What Is a Loft? Architects Explain Costs, Uses, and Value

This article was prepared from the source material provided, which includes attributed quotes from Rachael Grochowski and Patty Cassidy and cost and value estimates from the original article.

A loft is an elevated area inside a home, reached by stairs and typically overlooking a main living space such as a living room or kitchen. Unlike a finished attic, it generally lacks four standard plaster walls and instead uses railings, similar to an outdoor balcony. Lofts are most common in contemporary and industrial-style homes and in smaller city apartments, where vertical space can be converted into an additional room even when square footage is limited.

Credit: The Spruce / Christopher Lee Foto

Common Uses and Design Choices

Because lofts sit above the main level, they are often used as offices, lounges, libraries, or overlooks. Rachael Grochowski, principal architect and designer at RHG A+D in Montclair, NJ, said a loft office lets an adult work while keeping an eye on the family downstairs. Some loft offices are enclosed with glass, she added. Lofts can also serve as bedrooms, though the lack of standard walls means this setup is most often found in single-occupancy apartments or couples' homes where privacy is less of a concern. An en-suite bathroom may or may not be present; in some cases the only bathroom is on the main level. Others use the space for storage—off-season clothing, decorations, entertaining supplies, or crafting gear—or convert a small loft into a walk-in closet with clothing racks and shoe holders.

Klaus Vedfelt / Getty Images

Patty Cassidy, director of interiors at Ike Baker Velten in Oakland, CA, said lofts prioritize open space with an emphasis on aesthetics and functionality. Designers often furnish them with neutral pieces, plants, and sleek accents. Because lofts are visible from below, the design should feel cohesive with the rest of the home and avoid clutter.

lechatnoir / Getty Images

Loft vs. Finished Attic

A finished attic is more secluded than a loft because it has standard walls. Attics also tend to have a more rustic aesthetic, while lofts lean modern and industrial. Industrial-style lofts often feature black metal staircases and railings, exposed brick, and exposed beams or ductwork. The open design of a loft means sound carries, which can make conversation between floors easy.

Vasyl Cheipesh / Getty Images

Cost and Property Value

Building a loft typically costs between $10,000 and $35,000, depending on the scope of the project and location, according to the source. A loft can increase a home's value by 10% to 25%. Lofts are often popular when seen as added space, particularly with an industrial or modern look, but may not appeal to all buyers if the loft replaces a closed bedroom. The source notes that lofts can feel overly warm or cold depending on the season and require heating and cooling for year-round comfort.