Going Up: What You Need to Know About Three-Story Houses

Friday, December 26, 2025

Why Three-Story Homes Are Growing in Popularity

A Three-Story Home design is a smart solution for gaining living space without a larger lot. They are increasingly popular in urban and suburban areas where land is at a premium but the desire for spacious, modern living remains high. Here’s a quick overview:

Key Benefits:

  • Maximized square footage on a smaller footprint
  • Better separation of living, sleeping, and entertainment zones
  • Improved views from upper floors
  • Increased property value and curb appeal

Important Considerations:

  • Local zoning and height restrictions
  • Higher construction costs compared to single-story homes
  • Accessibility needs (stairs, potential elevator)
  • Structural engineering requirements

Building up instead of out preserves outdoor space while creating distinct zones for family needs and opening up exciting architectural possibilities like rooftop terraces and dramatic windows. However, a three-story home requires careful planning around codes, accessibility, and long-term livability.

I’m Dan Keiser, founder of Keiser Design Group. With over three decades of experience in residential design, including many Three-Story Home projects across Ohio, I help clients steer these complexities to turn their vertical living vision into a beautiful reality.

Infographic showing three-story home layout with labeled floors: Ground floor featuring garage and flexible rec room or office space, second floor with open-concept kitchen and living areas plus outdoor deck access, third floor containing private bedroom suites and bathrooms with optimal views and natural light - Three-Story Home infographic

The Vertical Advantage: Key Benefits of a Three-Story Home

Designing a Three-Story Home is a strategic decision to maximize living space on a smaller footprint, offering benefits that improve your lifestyle and your home’s long-term value. Building up is an advantageous choice for several key reasons.

The most compelling benefit is achieving maximized square footage on a smaller footprint. In areas like Columbus or Indianapolis where lots can be constrained, a vertical design provides a spacious home while preserving yard space. This verticality also provides improved views from upper floors, offering unique perspectives of a city skyline or backyard that lower homes can’t match. We strategically place windows and balconies to frame these picturesque vistas.

A multi-level home creates a natural separation of zones, allowing for dedicated areas for different activities. Communal living spaces can be on one floor, private sleeping quarters on another, and a home office or entertainment zone on a third. This improves privacy and reduces noise transfer. The vertical structure also offers incredible design flexibility, allowing for unique facades, varied materials, and innovative window placements that create a true architectural statement. Finally, with more exterior wall surface and height, three-story homes excel at capturing increased natural light, creating a bright, airy atmosphere that reduces the need for artificial lighting.

rooftop terrace with city view - Three-Story Home

Defining Spaces Across Levels

Vertical segmentation allows us to craft a home that aligns with your lifestyle, offering both communal and private retreats. While every Keiser Design Group home is custom, a typical layout might include:

  • Ground Floor: The practical hub, often housing the garage, a mudroom, and a flexible space like a rec room, home office, or in-law suite.
  • Second Floor: The heart of the home, with the primary living areas. An open-concept kitchen, dining, and family room on this level often provides better views and can extend outdoors to a deck or balcony.
  • Third Floor: A private, tranquil retreat for bedrooms. Placing the master suite and other bedrooms here ensures quiet quarters away from the main living areas.

This structured approach ensures each floor serves a distinct purpose, creating a home that feels both expansive and organized.

Making an Architectural Statement

A Three-Story Home makes a bold statement with striking curb appeal. The height and proportion allow for dynamic and modern design interpretations. We can craft unique facades with varied materials and window patterns across levels to create visual interest.

Material options like stone, wood, stucco, and large expanses of glass can be used to define the home’s character. Window placement is also critical, designed to maximize views and light while contributing to the architectural composition. Inside, a central staircase can become a sculptural focal point, connecting the levels with artistic flair. This architectural freedom allows us to create homes that are not only functional but also inspiring.

unique modern staircase design - Three-Story Home

Important Considerations for Building a Three-Story Home

While a Three-Story Home is appealing, the project requires careful planning. At Keiser Design Group, we guide clients through these key factors to ensure a successful build.

Key considerations include potentially higher construction costs due to more complex structural engineering and foundation requirements. The project timeline may also be longer. However, the cost per square foot can be offset by the value of gaining significant space on a smaller, premium lot. We also emphasize accessibility and future-proofing in our designs. Thinking ahead about navigating stairs is crucial for long-term enjoyment, which might involve planning for a residential elevator or designing flexible ground-floor spaces.

Zoning and Building Codes for a Three-Story Home

Navigating local zoning and building codes is a critical first step. As an architecture firm serving Ohio, Indiana, and Kentucky, we are intimately familiar with the rules in our service areas. Key regulations for a three-story home include height restrictions, setbacks (minimum distance from property lines), and lot coverage limits. We consult comprehensive documents like the Residential Code of Ohio overview to ensure compliance. The permitting process is more involved for such a project, requiring detailed plans for review. We manage this entire process for our clients, making the regulatory landscape feel simple.

Accessibility and Vertical Circulation

In a Three-Story Home, how you move between floors is a fundamental design element. While a well-designed staircase can be a beautiful architectural feature, many clients consider an elevator installation for convenience and aging in place.

An elevator offers unparalleled ease of movement for carrying groceries or for anyone with mobility challenges. To help illustrate the choice, here’s a comparison:

Feature High-End Staircase Residential Elevator
Costs Material and craftsmanship dependent; can be substantial for custom designs Higher initial installation cost; ongoing maintenance and energy costs
Space Requires significant linear floor space and headroom across all levels Dedicated shaft space (typically 4 ft x 4 ft minimum footprint)
Benefits Architectural statement, promotes physical activity, traditional aesthetic Best accessibility, convenience, luxury, significant resale value boost
Accessibility Can be challenging for mobility issues; requires careful design for safety Full accessibility for all ages and abilities; future-proofs the home

The decision to include an elevator comes down to lifestyle, budget, and the desire to future-proof the home. It provides peace of mind that mobility will not become an obstacle to enjoying all three levels. We help clients weigh these factors to ensure their home is comfortable for every stage of life.

Designing Your Dream Three-Story House: Layouts and Ideas

Designing a Three-Story Home offers a wealth of creative opportunities. Our approach at Keiser Design Group focuses on innovative layouts and smart features that improve the vertical living experience. Popular ideas include open-concept living on a main floor to create flow, and reverse floor plans that place living areas on upper floors to capitalize on the best views. We also integrate outdoor spaces like rooftop decks and balconies on multiple levels. Finally, smart home integration for lighting, climate, and security adds convenience and efficiency across all three floors.

Popular Layouts for a Modern Three-Story Home

While every project is custom, certain layouts are popular for their effectiveness:

  • Ground-floor garage and rec room: This level is ideal for practical spaces like a garage, mudroom, and a versatile recreation room or home gym.
  • Second-floor main living and kitchen: Elevating the social hub of the home maximizes views and natural light. This floor often features an open-concept design with access to a deck or balcony.
  • Third-floor bedrooms and private suites: Placing sleeping quarters on the top floor offers the ultimate privacy and tranquility, buffered from the activity below.
  • Ground-floor home office or in-law suite: This provides a quiet, separate space for work or an independent living area for family members, making full use of the ground floor’s accessibility.

Maximizing Light and Views

One of the greatest advantages of a Three-Story Home is the opportunity for abundant natural light and stunning views. We treat light and views as fundamental design elements.

Our strategies include strategic window placement to frame specific vistas and follow the sun’s path. We often use floor-to-ceiling glass on main living levels to create a seamless connection to the outdoors. To bring light into the core of the home, we incorporate skylights and light wells, which are perfect for illuminating stairwells and central hallways. Using interior glass walls for spaces like a home office can also help light penetrate deeper into the floor plan while maintaining a sense of openness.

Frequently Asked Questions about Three-Story Homes

Building a Three-Story Home brings up many questions. As experienced architects, we’re here to provide clear answers.

How much more does it cost to build a three-story house versus a two-story?

Generally, a three-story home has a higher cost per square foot than a two-story home of the same size. Key factors include:

  • Foundation and Structure: The foundation must support more weight, and the structural engineering is more complex, requiring more robust materials and design.
  • Labor and Logistics: Vertical construction is more labor-intensive, involving scaffolding and hoisting materials to upper floors.
  • Land Cost Savings: While construction costs are higher, building on a smaller footprint can offer significant savings on land, especially in high-value areas.
  • Finishes: As with any custom home, the choice of finishes and fixtures is a major cost driver.

We work with clients to balance their vision and budget, ensuring value without compromising quality.

Is an elevator a necessary addition to a three-story house?

Whether an elevator is “necessary” is a personal decision based on lifestyle, budget, and future needs. Consider the following:

  • Convenience and Accessibility: An elevator is invaluable for moving groceries or luggage and is essential for anyone with mobility challenges, making it a key feature for aging in place.
  • Resale Value: An elevator is a luxury feature that can significantly boost resale value by appealing to a wider range of buyers.
  • Budget: It’s a substantial investment, so the cost must be factored into your overall budget.
  • Alternatives: If an elevator isn’t feasible, we can design wider stairs, plan for a future stairlift, or create a flexible ground-floor suite.

We highly recommend at least planning for a potential elevator during the design phase as a way to future-proof your home.

What are the biggest challenges when building a three-story home?

While rewarding, building a three-story home has unique challenges that require expert navigation:

  • Zoning Compliance: Meeting local zoning and building codes, especially height restrictions, is the first hurdle. Early verification is crucial.
  • Site Logistics: Smaller lots can complicate material staging and equipment access, requiring careful planning.
  • Structural Complexity: The engineering demands are greater, requiring meticulous design and execution to ensure long-term safety and stability.
  • Timeline and Budget: The complexity can lead to a longer construction timeline and requires diligent budget management to handle potential variables.

Our experience across Ohio, Indiana, and Kentucky equips us to anticipate and manage these challenges, ensuring a smooth project.

Begin Your Ascent to a Dream Home

The decision to build a Three-Story Home is an exciting one, offering maximized space, stunning views, and incredible design flexibility. While the project is complex, the rewards of vertical living—from improved natural light to distinct living zones—are immense.

Starting a custom home build of this scale can feel daunting, which is why expert guidance is so important. The Keiser Design Group team brings over three decades of experience in design and development across Columbus, Indianapolis, Louisville, and beyond. Our unique selling point is providing clients with custom designs through a simple, worry-free process.

We believe the design-build process should be collaborative and transparent. Our hands-on approach ensures your Three-Story Home is a reflection of your lifestyle, built to the highest standards. If you’re ready to explore the possibilities of a three-story home, let us be your trusted partner.

Start your custom home design journey with us