Many homebuyers do not consider the zoning of a property they are interested in purchasing. However, it is important to check for zoning restrictions in certain circumstances. Some properties may be located in areas with mixed zoning, such as both residential and commercial zoning, which could pose issues when seeking a home mortgage. 

There are a few things to consider when factoring in zoning requirements to your home purchase:

Working from home

For individuals who work from home, some municipalities have specific zoning requirements for home office work. Even if you work in computer coding, telemarketing, or data entry and do not have clients visiting your home during business hours, it is important to ensure that your city or town meets local business licensing requirements. 

Business zoning

Other businesses that deal directly with customers, like pet grooming, hairdressers, nail technicians, or day care providers, must ensure their physical location is zoned accordingly. In some cities and towns, having a home business that involves customers coming to your residence may conflict with zoning regulations, so it is a crucial factor to consider before purchasing a home.

Tax considerations

Buyers should also consider how zoning laws may impact their taxes. For instance, different tax rates may apply to properties that are zoned residential or commercial, or mixed. Commercial zoning typically entails higher taxes. It is not uncommon to find multi-family homes built in commercial or mixed-zone areas.

If you’re unsure how local zoning rules might affect your buying decision, consult a real estate agent for advice.