Owning a $800,000 house is a dream for many. These luxury homes offer ample space, high-end finishes, and amenities that take living to the next level. If you’ve wondered what it would be like to live in an $800,000 house, you’ve come to the right place.

If you’re short on time, here’s a quick answer: $800,000 houses are large, often 4-6 bedrooms with luxury touches like gourmet kitchens, media rooms, and smart home technology throughout. They are found in desirable locations and exclusive neighborhoods with amenities like pools, fitness centers, and golf courses.

In this comprehensive guide, we’ll give you an inside look at what $800,000 buys you in today’s luxury home market. You’ll learn about the features, locations, neighborhoods, and what it takes to afford an $800,000 dream home.

Typical Features of an $800,000 Home

When it comes to $800,000 homes, there are certain features that you can expect to find. These houses are often designed to provide luxury and comfort to their owners, with a range of amenities and high-end finishes.

Let’s take a closer look at some of the typical features you can find in an $800,000 home.

Square Footage Over 3,000 sq ft

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One of the key features of an $800,000 home is its size. These properties typically have a square footage of over 3,000 sq ft, offering ample space for families and individuals alike. With spacious rooms and open floor plans, these homes provide plenty of room for entertaining guests or simply enjoying a comfortable lifestyle.

4-6 Bedrooms

Another characteristic of $800,000 homes is their number of bedrooms. These houses often have 4-6 bedrooms, providing enough space for a growing family or for those who enjoy having extra rooms for guests or hobbies.

The bedrooms are typically well-sized and may include features such as walk-in closets or en-suite bathrooms.

3+ Bathrooms

In addition to multiple bedrooms, $800,000 homes also often boast 3 or more bathrooms. This allows for convenience and privacy, particularly for larger households. These bathrooms are often designed with high-quality fixtures and finishes, providing a luxurious and spa-like experience.

Gourmet Kitchens

One of the highlights of an $800,000 home is its gourmet kitchen. These kitchens are typically equipped with high-end appliances, ample counter space, and custom cabinetry. Whether you’re an aspiring chef or simply enjoy cooking, these kitchens provide all the tools and space you need to create culinary masterpieces.

Media/Entertainment Rooms

800,000 Dollar Houses
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For those who enjoy movie nights or entertaining guests, $800,000 homes often feature dedicated media or entertainment rooms. These rooms are designed with state-of-the-art audiovisual equipment, comfortable seating, and soundproofing to enhance the viewing experience.

Whether you’re watching the latest blockbuster or hosting a game night, these rooms provide the perfect space for entertainment.

Smart Home Technology

In the modern world, smart home technology has become increasingly popular, and $800,000 homes often feature these advanced systems. From smart thermostats and lighting to security systems and home automation, these houses offer the convenience and efficiency of a connected home.

With just a few taps on your smartphone, you can control various aspects of your home, making your life easier and more comfortable.

Luxury Materials and Finishes

When it comes to $800,000 homes, the materials and finishes used are often of the highest quality. From hardwood flooring and marble countertops to custom millwork and high-end appliances, every detail is carefully considered to create a luxurious living space.

These finishes not only enhance the aesthetic appeal of the home but also contribute to its overall value and durability.

Prime Locations and Desirable Neighborhoods

When it comes to purchasing an $800,000 house, location is key. These high-end properties are typically found in prime locations and desirable neighborhoods that offer a luxurious lifestyle and a strong return on investment. Let’s explore some of the top locations where you can find these houses:

Coastal Cities

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Coastal cities are a popular choice for those seeking luxury homes. With stunning ocean views, access to beautiful beaches, and a vibrant coastal lifestyle, these cities attract buyers looking for the ultimate waterfront living.

Cities like Malibu, Newport Beach, and Miami Beach are well-known for their multimillion-dollar properties, but you can also find impressive $800,000 houses in these locations.

Mountain Resort Towns

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If you prefer a serene and scenic setting, mountain resort towns might be the perfect choice. These locations offer breathtaking views, access to outdoor activities like skiing and hiking, and a peaceful atmosphere.

Destinations like Aspen, Park City, and Lake Tahoe are renowned for their luxury mountain properties, including some that fall within the $800,000 range.

Metro Suburbs

For those who want to be close to the hustle and bustle of a major city while enjoying a suburban lifestyle, metro suburbs are an excellent option. These areas offer a balance between urban amenities and a quieter residential environment.

Suburbs like Bethesda near Washington D.C., Palo Alto near San Francisco, and Evanston near Chicago are known for their upscale homes and top-rated school districts.

Gated Golf Communities

If you’re a golf enthusiast, living in a gated golf community can be a dream come true. These communities provide residents with access to world-class golf courses, exclusive amenities, and a tight-knit community.

Some notable gated golf communities where you can find $800,000 houses include PGA National in Palm Beach Gardens, The Ridges in Las Vegas, and Reynolds Lake Oconee in Georgia.

Downtown High-Rises

New York City
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For those who crave the excitement of city living, downtown high-rises offer a luxurious and convenient lifestyle. These sleek and modern buildings often come with stunning city views, top-notch amenities, and easy access to dining, shopping, and entertainment.

Cities like New York, Los Angeles, and Chicago boast impressive high-rise properties that can be found within the $800,000 price range.

Historic Districts

If you appreciate the charm and character of historic homes, exploring neighborhoods in historic districts can lead you to hidden gems. These areas often feature beautifully preserved architecture, tree-lined streets, and a sense of history.

Locations like Charleston, Savannah, and New Orleans are known for their historic homes, and you can find $800,000 properties in these charming districts.

Remember, prices and availability may vary based on factors such as market conditions, property size, and amenities. It’s crucial to work with a knowledgeable real estate agent who specializes in luxury homes to find the best options that meet your preferences and budget.

Outdoor Spaces and Amenities

When it comes to luxurious $800,000 houses, the outdoor spaces and amenities play a crucial role in enhancing the overall living experience. These houses are designed to provide homeowners with a perfect blend of comfort and relaxation amid nature.

Let’s explore some of the incredible outdoor features you can expect to find in these properties.

Swimming Pools

A stunning swimming pool is often the centerpiece of the outdoor area in these houses. Whether you are a fitness enthusiast or simply enjoy a refreshing dip on a hot summer day, a well-maintained pool can be a fantastic addition to your home.

Imagine spending evenings lounging by the poolside, sipping a cocktail, and enjoying the beautiful sunset.

Patios and Decks

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Many $800,000 houses offer spacious patios and decks that serve as perfect outdoor entertainment areas. These areas are designed to accommodate gatherings and provide ample space for outdoor furniture, barbecue grills, and even outdoor televisions.

Hosting a barbecue party or a casual get-together with friends and family becomes a breeze with these well-designed spaces.


Beautifully landscaped gardens and yards add charm and aesthetic appeal to these houses. Lush green lawns, colorful flowers, and well-manicured shrubs create a serene environment where you can unwind and connect with nature.

The landscaping is often professionally done, ensuring that every corner of the outdoor space looks impeccable.

Outdoor Kitchens

For those who love to cook and entertain, outdoor kitchens are a dream come true. These houses often feature fully equipped outdoor kitchens that include grills, refrigerators, sinks, and even pizza ovens.

Cooking in the open air while enjoying the company of your loved ones can truly elevate your culinary experience.

Fire Pits

Fire Pit
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Fire pits are becoming increasingly popular in outdoor spaces, and $800,000 houses are no exception. These cozy and inviting areas are perfect for gathering around with friends and family on cool evenings.

Roasting marshmallows, telling stories, and stargazing by the warm glow of a fire pit create unforgettable memories.

Sports Courts

If you’re a sports enthusiast, you’ll be delighted to find that some of these houses offer sports courts. Whether it’s a basketball court, a tennis court, or a multi-purpose sports court, having a dedicated space for physical activities right at your doorstep can be a game-changer.

You can enjoy your favorite sports without having to leave the comfort of your home.

These are just a few examples of the outdoor spaces and amenities you can expect to find in $800,000 houses. The combination of these features creates a truly luxurious living experience that allows homeowners to make the most of their investment.

Affording a $800,000 Home

Buying an $800,000 house may seem like an unattainable dream for many people, but with careful planning and the right financial strategies, it is possible to make it a reality. Here are some key steps to consider when affording a $800,000 home.

Save for a Down Payment

One of the first steps towards affording an $800,000 home is saving for a sizable down payment. While the exact amount may vary depending on the lender and your financial situation, generally a down payment of 20% is recommended. This means you would need to save $160,000.

Consider cutting back on expenses, increasing savings, and exploring other sources of income to help you reach this goal.

Secure a Jumbo Mortgage

When buying a home in the $800,000 price range, you will likely need a jumbo mortgage. These loans are specifically designed for higher-priced properties and typically have stricter requirements. It’s important to shop around and compare rates from different lenders to ensure you get the best deal.

Additionally, having a solid credit score and a low debt-to-income ratio will increase your chances of approval.

Consider an ARM Loan

An adjustable-rate mortgage (ARM) is another option to consider when affording an $800,000 home. ARM loans typically offer lower interest rates in the early years of the loan, which can help lower your monthly payments.

However, it’s important to carefully evaluate the terms and potential future interest rate adjustments before choosing this type of loan.

Make Tradeoffs on Features

When looking for an $800,000 home, it’s essential to be flexible and willing to make tradeoffs on certain features. Consider prioritizing your needs over wants and focus on finding a home that meets your essential criteria.

This might mean compromising on the size, location, or amenities to fit within your budget.

Look for Price Reductions

Keep an eye out for price reductions or homes that have been on the market for a longer period. Sellers may be more willing to negotiate on the price of an $800,000 home if it has been listed for a while.

Working with a knowledgeable real estate agent who can help you identify these opportunities can be beneficial.

Remember, affording an $800,000 home requires careful financial planning and a realistic assessment of your budget. It’s important to thoroughly research your options, consult with financial experts, and make informed decisions based on your circumstances.

The Costs of Owning an $800,000 Home

Owning a home is a dream for many, but it’s important to understand the costs associated with it. When it comes to an $800,000 home, there are several expenses that homeowners need to be aware of. Let’s take a closer look at each of these costs:

Mortgage Payments

One of the largest expenses of owning a $800,000 home is the mortgage payment. Depending on the interest rate and the length of the loan, these payments can vary greatly. It’s important to shop around and compare different mortgage options to find the best rates and terms.

Websites like Bankrate.com can help you compare mortgage rates and calculate monthly payments.

Property Taxes

Property taxes are another significant expense for homeowners. The amount you’ll pay in property taxes can vary depending on the location of your home. To get an estimate, you can visit the website of your local tax assessor’s office.

Keep in mind that property taxes can increase over time, so it’s important to budget for potential increases.

Homeowners Insurance

Protecting your investment with homeowners insurance is crucial. The cost of homeowners insurance can vary based on factors such as the age and location of your home. It’s important to shop around and compare different insurance providers to find the best coverage at the most affordable price.

Websites like Progressive.com can help you compare insurance quotes.

HOA Fees

If your $800,000 home is located in a community with a homeowners association (HOA), you’ll likely have to pay HOA fees. These fees can vary greatly depending on the amenities and services provided by the HOA.

It’s important to factor in these fees when considering the overall cost of owning the home.


Utilities such as electricity, water, and gas are ongoing expenses that homeowners need to budget for. The cost of utilities can vary depending on factors such as the size of the home and the energy efficiency of its appliances.

It’s a good idea to consider energy-saving measures, such as installing energy-efficient appliances and improving insulation, to reduce these costs.

Maintenance and Repairs

Owning a home comes with the responsibility of maintenance and repairs. From routine tasks like lawn care to unexpected repairs like a leaky roof, homeowners need to budget for these expenses. It’s recommended to set aside a portion of your budget each month for maintenance and repairs, as they can add up over time.

By understanding the costs associated with owning an $800,000 home, you can make informed decisions and budget accordingly. Remember to consider all these expenses when determining if an $800,000 home is within your financial reach.

800,000 Dollar Houses – Conclusion

While $800,000 homes are certainly a luxury, they offer amenities and features that make everyday living more enjoyable. With strategic planning and budgeting, they can be within reach as your next residence.

We hope this overview gives you a better idea of what $800,000 buys in the world of upscale real estate.

Owning a home of this caliber takes hard work and financial diligence, but the payoff is enjoying all the comforts and conveniences these grand homes provide. The next step is deciding which $800,000 dream home is right for you and your lifestyle.

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