A mansion is a symbol of wealth — but just because a house is big doesn’t mean it’s a mansion. While there aren’t official qualifications, there are a few rules of thumb when it comes to determining what makes a home a mansion.
Here’s a look at the definition of a mansion, what features it usually has, and how to finance one.
- Mansions are big — but just how big depends on whom you ask.
- A mansion also has high-end features, such as luxury architecture and well-kept grounds.
- Financing a mansion will usually take a jumbo loan.
What Is a Mansion?
A mansion is “a large imposing residence,” according to Merriam-Webster. The Cambridge Dictionary defines it as “a very large, expensive house.”
These vague definitions highlight the fact that there aren’t official mansion qualifications. There’s no checklist or central authority that examines properties and declares them to be mansions. The definition is relative.
“It seems that the definition of a mansion is one that varies based on individual opinion and by geographic area,” says Ken Sisson, a Realtor and associate broker with Coldwell Banker Realty in Studio City, California.
Still, there are rules of thumb that distinguish mansions from regular homes, including:
- Size. Mansions are large — much bigger than typical homes. Many real estate professionals would disqualify properties smaller than 5,000 square feet from being considered a mansion.
- Number of rooms. Mansions have many more rooms than a typical home.
- Leisure space. Most mansions have specialized rooms dedicated to leisure and entertainment, such as billiard rooms, libraries, home theaters, or gyms.
- Grounds. Mansions have large, well-kept grounds with lawns, gardens, and outbuildings. Some properties may be large enough to have walking or hiking trails.
- Materials. The construction materials used — like carpets and counters — are typically very high in quality.
“Much like the term mansion, the luxury market can no longer be defined as a ‘million-dollar home,’” Sisson says. “The luxury market is probably best defined as the top 10% of the market for an area as far as home price.”
How big is a mansion?
One of the key factors that distinguishes a mansion from a typical home is its size. Mansions are massive buildings that dwarf typical homes, condos, or townhouses.
The minimum square footage for a home to count as a mansion depends on whom you ask. For example, some say that 5,000 square feet is the minimum, while others claim that a home must be at least 7,000 square feet or 8,000 square feet to count as a mansion.
Mansions vs. manors
Mansions and manors are very similar. Both terms refer to exceptionally large homes. However, manors have historical context that gives them a more specific meaning.
Historically, a manor was a large estate, or the main building located on an estate owned by a local lord or wealthy individual. A manor home typically sat on a vast amount of land for agriculture, hunting, or other activities. Laborers would work the land around the manor, providing income for the owner.
Mansions vs. estates
A mansion refers specifically to the main building located on a piece of land. An estate is the large piece of land where a mansion is located. If a person owns a large estate, the land will typically include a mansion, as well as outbuildings and amenities like a large garden, a pool, or tennis courts.
Like manors, estates are associated with nobility or wealthy landowners who profited from laborers working their land.
Mansions vs. ‘McMansions’
“McMansion” is a modern, often derisive term that refers to very large homes built in suburban America. Critics argue that these homes lack unique, appealing architecture or are built using low-quality materials — the opposite of true mansions. McMansions also may be ostentatious or oversized compared to other homes in the neighborhood.
Who Is a Mansion For?
Both a $130 million property and a $3 million property can qualify as a mansion, so different types of buyers have options that vary widely in affordability, size, and amenities.
At the same time, mansions are ultra-luxury properties, so they’re not designed with the average homeowner in mind. They’re typically purchased by celebrities, business executives, and other wealthy individuals or families.
What Are the Features of a Mansion?
Mansions are more than just large homes. You can’t just build a 10,000-square-foot structure and call it a mansion. They also come with high-end features that make them feel luxurious.
Each mansion will have its own unique design and use different architectural elements, but the unifying characteristic is that the building looks grandiose and impressive from the outside.
“There’s a feeling of opulence or grandeur that goes along with the term,” Sisson says.
For example, the mansion on the Hampton estate — now a national historic site in Maryland — was built in Georgian style, which emphasizes clean lines and symmetry. It features stucco on the exterior, a cupola, porticos, and decorative urns and scrolls on the dormer windows.
Rooms for leisure and entertainment
Mansions have dedicated rooms for leisure and entertainment. For example, in addition to bedrooms, bathrooms, and living areas, a mansion might have a gym, library, billiard room, movie theater, and bowling alley.
Upscale and well-kept grounds
Most mansions have grounds that are well kept and feature upscale amenities. For example, a mansion will have a perfectly manicured lawn and may offer gardens, a pool, tennis courts, a spa, and more.
Outdoor amenities have become even more popular in recent years, with the “outdoors reimagined as an adult playscape” being one of the top luxury home trends, according to Luxury Portfolio International.
A mansion may offer a variety of other high-end amenities, like smart-home features that include intercom systems, electric vehicle chargers, digital doorbells, voice-controlled speakers, and customizable lights.
How To Finance a Mansion
There’s no question that mansions are more expensive than typical homes on the market. Given the hefty price tag on most mansions, you’ll likely struggle to find one you can buy with a conventional loan. That’s why a jumbo loan is the most likely option for financing a mansion purchase.
Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac, which are government-sponsored enterprises. For 2023, amounts over $726,200 are considered jumbo loans in most parts of the country. Some higher-cost areas have higher limits.
Jumbo loans often have stricter requirements than conventional mortgages, but their limits are set by individual mortgage lenders.
What is a mansion tax?
A mansion tax is levied on property sales over a certain dollar amount. For example, Los Angeles adds a 4% tax on property sales over $5 million.
Mansion taxes are often considered a misnomer because they can apply to apartment complexes as well as retail and industrial buildings. They are also controversial and rare in most counties and states.
Can You Convert a Normal House Into a Mansion?
While anything is possible, there are roadblocks to converting an average home into a mansion.
The most obvious issue is space. Mansions are immense buildings and usually have sizable grounds surrounding the main residence. Even if there’s enough space to build a large home, the grounds and outdoor amenities that are hallmarks of a mansion will be missing.
If you have a large plot of land, you could upgrade your home into a mansion — or demolish the existing residence and build a mansion from the ground up. Doing so will allow you to design your mansion, similar to the process of customizing a new-construction home. However, the cost of upgrading or rebuilding will be substantial.
Another key consideration is building regulations. “It is important to understand the local building regulations and zoning regulations to ensure that your conversion does not violate any laws,” says Boyd Rudy, a Brighton, Michigan-based real estate broker.
For example, a lot zoned for single-family housing might have size limits or required distances between the residence and the edge of the lot that could complicate the process of building a mansion.
Mansions are unique pieces of real estate, so it’s important to understand how they work before you think about buying one.
Mansion is derived from the Latin word “mansio,” which means “dwelling,” as well as the Old English word “manse,” which was a property large enough for a priest to maintain himself.
According to the U.S. Census Bureau, it takes an average of 8.3 months to build a typical single-family home. Mansions are much larger and have a longer construction timeline — often two years or more.
The Bottom Line on Mansions
Mansions are massive, luxurious homes that the average buyer won’t be able to afford. However, if you’re looking to buy or build a large, unique property that has upscale amenities, and you can afford the cost, a mansion might be the right choice for you.