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What to Do When Your House is Falling Apart and You Can’t Afford to Fix It: 20 Tips

Facing the overwhelming reality that your house is falling apart and you can’t afford to fix it can be incredibly stressful. Home is where the heart is, and it’s disheartening when financial constraints prevent you from maintaining it. However, all hope is still possible. This blog provides 20 practical and creative tips to help you manage when your house is falling apart and you can’t afford to fix it. From prioritizing the most critical repairs to exploring alternative funding options, you will discover strategies to keep your home safe and livable while navigating these challenging times.

One approach is to seek advice from experienced real estate investors like Steve Daria and Joleigh, who often have insights into cost-effective repair solutions. Their expertise can be invaluable in identifying which repairs are necessary and which can be deferred. By leveraging their knowledge, you may discover innovative ways to manage your home maintenance without breaching your budget.

What to Do When Your House is Falling Apart and You Can’t Afford to Fix It?

Explore 20 practical tips for when your house is falling apart and you can’t afford to fix it.

1. Understanding the Signs of a House Falling Apart

Recognizing the early signs of your house falling apart is the first step toward fixing it. 

Look out for:

  • Cracked walls and ceilings
  • Leaking roofs
  • Peeling paint

These indicators often point to more significant underlying problems. 

Disregarding them can lead to more expensive repairs later on.

house is falling apart and you cant afford to fix it

2. Prioritize Repairs

When funds are low, it’s essential to prioritize what needs fixing first. 

Focus on issues that affect safety and structural integrity:

  • Foundation cracks
  • Electrical problems
  • Plumbing leaks

These issues should be fixed immediately to prevent further damage. 

3. DIY Repairs

For minor issues, consider taking the DIY route. 

YouTube and DIY blogs are excellent resources for learning how to:

  • Patch drywall
  • Fix leaky faucets
  • Replace broken tiles

DIY repairs can save you considerable money and give you a sense of accomplishment. 

4. Use Affordable Materials

When doing repairs, opt for budget-friendly materials. For instance:

  • Use peel-and-stick tiles instead of ceramic tiles
  • Consider laminate flooring instead of hardwood
  • Opt for paint instead of wallpaper

These alternatives can be more affordable and still offer a good finish.

5. Seek Financial Assistance

There are several programs available to help homeowners with repair costs. Look into:

  • Government grants
  • Low-interest loans
  • Non-profit organizations

These resources can provide the financial assistance you need to make necessary repairs.

6. Prioritize Energy Efficiency

Investing in energy-efficient improvements can save you money in the long run. Consider:

  • Insulating your home
  • Sealing windows and doors
  • Installing energy-efficient appliances

These changes reduce utility bills and increase your home’s value.

7. Maintain Regularly

Regular maintenance can avoid minor issues from becoming significant problems. 

Make it a habit to:

  • Inspect the roof annually
  • Clean gutters regularly
  • Check for leaks and fix them promptly

Scheduled maintenance can save you money by avoiding costly repairs.

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8. Improve Curb Appeal

Improving curb appeal can make a huge difference even if your house is falling apart. 

Simple actions like:

  • Mowing the lawn
  • Planting flowers
  • Painting the front door

It can make your home look more inviting without costing a lot.

9. Use Recycled Materials

Opt for recycled or reclaimed materials for repairs and renovations. 

These can be more affordable and environmentally friendly.

Examples include:

  • Reclaimed wood for flooring
  • Second-hand fixtures
  • Upcycled furniture

With recycled materials, it can give your home a unique and stylish look.

10. Consult Professionals

While DIY is great for minor issues, consult professionals for significant repairs.

Look for contractors who offer:

  • Free estimates
  • Payment plans
  • Discounts for bulk work

Getting professional advice can ensure that repairs are done correctly and safely. 

11. Rent Out a Room

If you’re struggling financially, consider renting out a room.

This can generate additional income to fund repairs. Make sure to:

  • Screen tenants carefully
  • Set clear terms and conditions
  • Maintain good communication

Renting out a room can be a win-win situation. 

12. Declutter and Organize

A cluttered home can make problems seem worse than they are. Take time to:

  • Declutter each room
  • Organize storage spaces
  • Donate or sell unused items

A well-organized home can be easier to maintain and show if you decide to sell. 

13. Utilize Community Resources

Many communities offer resources to help homeowners. Look for:

  • Local repair clinics
  • Volunteer organizations
  • Community grants

These resources can provide both financial aid and practical assistance for home repairs.

14. Focus on High-Impact Areas

When funds are limited, prioritize home repairs by focusing on high-impact areas that can significantly enhance your living space. 

Start with essential structural issues like roof leaks, foundation cracks, or plumbing problems to prevent further damage and maintain the integrity of your home. 

15. Plan for Long-Term Improvements

While immediate repairs are necessary, long-term improvements should also be planned.

Create a list of:

  • Major repairs needed
  • Estimated costs
  • Timeframes

Having a plan can help you budget and prioritize future projects.

16. Explore Alternative Financing

If traditional loans are not an option, explore alternative financing methods like:

  • Home equity lines of credit
  • Personal loans
  • Financing through contractors

These options can provide the necessary funds to make essential repairs.

house is falling apart and cant afford to fix it

17. Engage with Online Communities

Join online forums and communities for homeowners. These platforms offer:

  • Advice and tips
  • DIY project ideas
  • Support from fellow homeowners

Engaging with fellow homeowners allows you to share experiences, seek home maintenance and repair advice, and stay informed on industry trends and best practices.

18. Sell Unused Assets

Consider selling unused or unwanted assets to generate funds for repairs:

  • Old furniture: Items gathering dust in your garage or attic can fetch a decent price in online marketplaces or local consignment shops.
  • Unused electronics: Outdated smartphones, laptops, or gaming consoles can bring significant cash if sold through platforms like eBay or Craigslist.
  • Collectibles: Vintage toys, coins, or memorabilia might be valuable to collectors, providing you with extra funds to address essential home repairs.

19. Stay Positive and Motivated

Dealing with a falling-apart house can be overwhelming, but staying positive and motivated is crucial. 

Remember that every small improvement counts and brings you closer to a better home.

20. Seek Professional Advice

Lastly, don’t hesitate to ask for professional advice when needed. 

Whether consulting a financial advisor for budget management, hiring a contractor for a thorough inspection and repair estimate, or engaging a real estate expert to explore selling or refinancing options, professional guidance can help you make informed decisions. 

Expert advice can also help you avoid costly mistakes, ensuring you choose the best course of action for your specific situation.


Dealing with a home falling apart requires careful planning, resourcefulness, and a proactive approach. By following these tips on what to do when your house is falling apart and you can’t afford to fix it, you can address the most critical issues, make improvements within your budget, and ultimately maintain a comfortable and functional home. 

If you’re overwhelmed, consider contacting community resources or professionals for additional support. Remember, investing in your home is investing in your future.

**NOTICE:  Please note that the content presented in this post is intended solely for informational and educational purposes. It should not be construed as legal or financial advice or relied upon as a replacement for consultation with a qualified attorney or CPA. For specific guidance on legal or financial matters, readers are encouraged to seek professional assistance from an attorney, CPA, or other appropriate professional regarding the subject matter.

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