In-Law Suites Are Surging: Here’s Why (and What You Need to Know Before You Build)

Why Families Are Reconsidering Elder Care

Sticker shock is often what starts the conversation. In Pennsylvania today, assisted living averages about $6,100 per month. Nursing homes run $11,800 to $13,000 per month. Even part-time in-home care averages around $6,300 per month. Add that up, and many families are staring at $72,000–$156,000 per year in elder care expenses.

That’s why more families across Lancaster County and surrounding areas are rethinking their options. Instead of spending six figures year after year, they’re investing those dollars into their own property by building an in-law suite (sometimes called an accessory dwelling unit or accessory apartment).

It’s not just about the money. These suites allow loved ones to age with dignity, stay close to family, and maintain independence, while controlling long-term costs.

The Growing Trend of Multigenerational Living

The numbers back it up: multigenerational living in the U.S. has more than doubled since the 1970s, and it keeps rising. What used to be rare is now becoming normal again.

Here in Lancaster County, we’re seeing more requests than ever for in-law suites, whether it’s parents moving in with adult children, or families planning for future care needs. The emotional benefit is clear: families want to stay together, but they also want privacy and safety. A well-designed in-law suite provides both.

The Homework Checklist: What to Do Before You Build

Download Homework Checklist

Before you call a builder, there’s legwork that needs to be done. Every township and borough in Pennsylvania has its own rules, and skipping this homework can lead to costly delays.

1.  Zoning & Ordinances

• Look for terms like “Accessory Dwelling Unit (ADU),” “In-Law Suite,” or “Accessory Family Apartment.”
• Some municipalities allow them by right. Others require a special exception, conditional use approval, or even a variance.
• Some ordinances require that the property owner live on-site, either in the main home or the suite.
• Expect limits on square footage, setbacks, parking, and lot coverage.

Homework: Visit your township or borough website, pull the zoning ordinance, and search for the terms above. Don’t assume all municipalities handle this the same way.

2.  Building Code & Inspections

Pennsylvania enforces the Uniform Construction Code (UCC). As of today, we’re still under the 2018 version, even though the 2021 codes are waiting in the wings. That means:

• Fire separation between units (usually a 1-hour wall or floor assembly).
• Proper egress windows in bedrooms.
• Smoke and CO alarms, often interconnected between units.
• Basic accessibility features are not required by code, but smart families plan ahead. Wide doors, no-step entries, and curbless showers are wise investments.

3.  Utilities & Septic

• On public sewer? Adding a dwelling could trigger EDU (Equivalent Dwelling Unit) fees.
• On on-lot septic? Adding a bedroom often requires septic review and possible system expansion.
• Adding a driveway or parking spot? You may need township or PennDOT approval.

4.  Taxes, Insurance & Deed Restrictions

• Adding square footage or a second dwelling area will likely lead to a property reassessment.
• Your homeowner’s insurance must be updated, don’t wait until after construction.
• Some municipalities require an affidavit or deed restriction stating the unit can’t be sold separately or that an owner must live on-site.

5.  Financing & Elder Law Planning

• Medicare does not cover long-term custodial care. Medicaid may, but it has strict income and asset limits.
• Medicaid also has a 5-year “look-back period” for financial transfers. Families who transfer assets to qualify may face penalties.
• Talking to an elder-law attorney before you start building can prevent painful surprises later.
• This isn’t just about building permits, it’s also about planning for the future.

Design Must-Haves Families Appreciate (and Inspectors Respect)

A good in-law suite balances independence and safety. The best home floor plans we see include:

• Zero-step entry (ramp or grade-level).
• 36-inch doorways and 42-inch halls where possible.
• Curbless shower with blocking in walls for future grab bars.
• Bedroom and bathroom on the same level.
• Good lighting and contrast, rocker switches, night lights, under-cabinet lighting.
• Privacy through thoughtful layouts and soundproofing between units.

These features aren’t just code-friendly, they make daily life easier and safer for aging family members.

Why Families Are Choosing In-Law Suites

Elder care costs are climbing, and families are caught between high monthly bills and wanting the best for their loved ones. For many, the answer is to bring care closer to home through an in-law suite.

Done right, these projects offer dignity, privacy, safety, and financial sense. But success depends on doing the homework first; zoning, code, utilities, taxes, and elder law planning.

At Garman Builders Renovations, we walk families through the entire process so you don’t hit roadblocks halfway through construction. If you’re considering an in-law suite in Lancaster County or within an hour of Lititz, let’s talk.