Dollars & Sense

5 High-Value Home Improvement Projects and How to Finance Them

Written by Peach State Federal Credit Union | Mar 3, 2025 9:13:31 PM

Blog Highlights

  • Maximizing Your Home Office: Learn how to enhance your workspace for maximum productivity and appeal, making it perfect for today's hybrid work environment.
  • Utilizing Unused Spaces: Discover how to transform unused areas of your home into valuable living spaces that increase both functionality and property value.
  • Boosting Energy Efficiency: Find out how to invest in energy-efficient upgrades that reduce your utility bills and attract eco-conscious buyers.

When it comes to adding value, home improvement and remodeling projects are definitely a great choice for homeowners. Choosing the best upgrades for your home can make all the difference in elevating the quality of your lifestyle while you're living in it, as well as they optimize it's value for when it comes time to resell.

 

Which Home Improvement Projects Are the Best Choice to Increase Value?


While the most popular home improvements typically include a standard kitchen or bathroom remodel, there are several alternative projects that can yield a strong return on your investment and make the property stand out when listed for sale. Consider these five high-value home improvement options for your home.

5 High-Value Home Improvement Projects for Your Home

 

1. Create or Expand a Functional Home Office


Hybrid and remote work environments are a popular option for today's workers, creating a need for a dedicated space or office within the home. A home with a functional workspace that's focused on a practical design to include proper lighting, noise control for privacy, and space to organize is key. Thoughtful planning in creating the perfect home office not only enhances productivity by offering a dedicated place to do your best work, but it also appeals to modern buyers who work remotely and want a functional, organized space to thrive.

 

2. Finish or Repurpose Unused Spaces


The best way to add functionality and value to your home is to utilize unused spaces. Turning an attic, basement, or other overlooked area into something more practical like a guest suite, home gym, or entertainment room is always a win-win for the homeowner and potential buyer. It turns underused spaces into functional areas that adds to your home's value. 

 

3. Improve Energy Efficiency


Everyone loves an energy-efficient home and it’s no secret as to why. High-value home improvements such as upgrading windows, a water heater, HVAC system, or replacing old insulation with a more eco-friendly product can reduce utility costs and attract eco-conscious buyers. In addition to the rewarding long-term financial benefits of lower energy bills, there are a variety of incentives and potential tax breaks for improving your home's energy efficiency.

 

4. Enhance Outdoor Spaces and Living Areas


When it comes to accentuating your home's appeal and value, don't underestimate the attraction of an amazing outdoor space or entertainment area. Refreshing landscapes or a patio area using quality materials that offer low maintenance and durability, provides the perfect oasis for both homeowners and future buyers who enjoy relaxing or spending time outside.

 

5. Invest in Smart Home Technology


Smart home technology is one of the things tech-savvy homeowners and buyers are demanding today. Convenient and modern edge features such as automated lighting, advanced security, and app-controlled appliances offers accessibility that simply cannot be beat. Not only does a smart home streamline our daily routines, but it also increases efficiency while giving the home the modern touch that tech-savvy buyers are looking for.

 

Peach State Can Help with Your High-Value Home Improvement Projects


There are a variety of ways to pay for high-value home upgrades. If you have the time to save money for the projects, paying cash can be an optimal choice. For those who require immediate improvements or need help funding these projects, Peach State offers a variety of affordable home improvement solutions to meet your needs.

  • Home Equity Loan – If you’re facing a large, one-time expense for your home improvement project, take advantage of the equity you have built with a Peach State Home Equity Loan. This low, fixed rate loan with possible tax deductions is a great option for large-scale home updates.
  • Home Equity Line of Credit (HELOC) – Best for ongoing or phased upgrades, a Peach State HELOC is a great choice that allows convenient access to use funds as you need them for renovations. This competitive adjustable rate HELOC offers low closing costs with funding up to $150k.
  • Low Rate Credit Cards – Using one of our low interest rate credit cards is a smart choice for smaller home improvement purchases. We offer a variety of credit card options for your home improvement projects and needs. In addition, there are no annual fees and we offer fee-free cash advances and balance transfers.

    Contact Peach State for help deciding which solution is right for you. Call our Loans By Phone Center at 770.580.6000 or visit any of our convenient branch locations. We look forward to helping you elevate and optimize the value in your home!