I STEP INTO THE OLD farmhouse where I grew up and am momentarily confused.
Where’s the blue sofa under the living room bay window with its plump pillows and cozy blankets that my mother likes to throw over her as she reads the morning paper? Where’s the coffee table with the covered pewter candy dish filled with M&Ms and Hershey Kisses? Where’s the rickety table where our family of eight crowded around for countless meals in the tiny but somehow adequate kitchen?
Then I remember: We took those items to Mom’s new apartment at the senior center when we moved her there six months ago, following her series of ministrokes. Since our father passed away in 2019, we’d done all we could to keep our 89-year-old mother in the house she loved—the house where she’d raised us and took care of my father after his own stroke.
But the game was up. She could no longer be on her own. The senior center was not home, but it was a nice place staffed with kind, competent people who could look after her. She was safe there. It was the right place for her.
And so now, after 56 years, the old farmhouse was empty, and we need to figure out what to do with it.
Deciding what to do with an empty homestead, and all the stuff in it, doesn’t often land among the list of life’s 10 biggest stressors. But for me and my five siblings, it’s one of the most difficult decisions we’ve ever had to face.
Yet, face it we must, for the family’s finances depend on it.
All that good care at the senior home comes at a steep price, after all—specifically $7,500 a month. That money has to come from somewhere, and my parents were not rich people. Right now, we’re funding Mom’s care by pulling from a small sum invested in certificates of deposit. But at the rate we’re going, those funds will be gone sooner rather than later.
Our parents’ only other substantial asset is the farmhouse and the six acres of ground that surround it. At 300 years old, the house is in dire need of updating and probably not worth much in its current condition. But the land, surrounded by developments in a busy southeastern Pennsylvania suburb, certainly is. Should we subdivide the property and sell off parcels? Fix up the house and try to sell or rent it? Sell the entire property as it is?
Right now, we siblings are divided on the best course to take. My older brother would like to go the development route. But that plan will take time and money to make it happen, and we don’t have a lot of time and money to work with.
A few of us favor selling the property as is and being done with it. But that will surely limit its value and, if we go that route, we’ll have no control over what happens to the property. For all we know, the buyer could raze the house and build a McMansion.
The good news is, we’re a close bunch and we’re not about to allow the emotions of a difficult situation divide us. The important thing is our mother’s health and happiness, and we’re committed to doing anything we need to do to provide for her in her time of need, just as she and Dad did all those years raising us.
And yet it’s hard to stay unemotional in a situation like this. After all, it isn’t just a house. This is our home, our ballast, the very foundation of our family. Pull it away and what do we have to stand on?
I wrestle with the thought as I walk through the empty house. Ghosts dwell in every room. The dining room where we sat for so many holiday dinners. The parlor where we set up Dad’s cot when he was too weak to sleep upstairs.
Up the squeaky old stairs that have carried so many feet over the decades and where, one terrible day so many years ago, my grandmother fell and broke her hip. I remember looking down at her little body crumpled on the landing and hearing her pitiful wailing as we waited for the ambulance to arrive.
The tiny bedroom I shared with my older brother—how did the two of us manage to live in here with so little space? My parents’ bedroom with the mirrored dresser, queen bed and corner desk—everything in its place, untouched, as if in a museum. The bathroom where we found our mother lying on the floor that morning before the ambulance came and took her away for the last time.
The old cast-iron radiators. The too-small and too-few closets. The chipping plaster walls. When I was little, this house felt like a castle. But looked at through modern eyes, this old farmhouse seems suddenly inadequate for a family of four, let alone a family of eight. Who would want it? How is it possible that a family other than our own could ever live here?
My tour of the upstairs complete, I go back down the steps and descend into the musty, low-ceilinged basement where I have to duck to make my way around. There is the freezer where my mother stored the vegetables she picked and bagged from the garden; the shelves once lined with jars of pears from the old tree behind the house; the chalkboard on the wall where we six kids would write our names and ages. My entry is frozen at the age of 19 when I was a sophomore in college.
Memories. Ghosts.
How do you part with a place that made you happy? I don’t know. All I know is that every detail of this place is so etched in my mind that even when I leave it physically for the last time, I will be able to walk it every day in my mind. Walk the rooms, hear the laughter, smell the meals, relive the joys and traumas imprinted there.
“What will you do with the house?” our mother asks us these days when we visit her at the senior center. She knows she isn’t going back there, that she’s too weak to go back there.
“We’ll figure that out when the time comes, Mom,” we tell her.
That time is fast approaching. It will be a day of reckoning, a day I don’t like to think about. In the meantime, the old house sits waiting, its rooms quiet for the first time in 56 years.
James Kerr led global communications, public relations and social media for a number of Fortune 500 technology firms before leaving the corporate world to pursue his passion for writing and storytelling. His debut book, “The Long Walk Home: How I Lost My Job as a Corporate Remora Fish and Rediscovered My Life’s Purpose,” was published in 2022 by Blydyn Square Books. Jim blogs at PeaceableMan.com. Follow him on Twitter @JamesBKerr and check out his previous articles.
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It’s sweet that your mother could stay in her home as long as possible with your help. It is a hard decision you all have to agree on but at least you alone are not responsible for it. In my case it was a homestead farm that has been in the family for almost 150 years. My bedroom was the same bedroom my father had growing up. My sister and I couldn’t agree and I wasn’t ready to let it go. Eventually I just kept some of the woods where we have a tree house and camp every year and the house and surrounding crop land were sold. I am not happy with the deterioration I see in the place but realize that I could NEVER improve the memories of my childhood and parents living there all their days so I honor that and let the current state of things evolve. Best to you!
When our parents moved off the farm to a retirement place, my brother and I were left dealing with the old farm house. As we were paying taxes on the house, we considered tearing it down, or inviting the local fire department to burn it as a training exercise.
However we decided to offer it to anyone for $1.00, if they would MOVE it. We placed a sign on the property along with ad in the local newspaper. We received numerous inquires. Most people thought this was a mobile home situation.
We sold it to a young couple who had land in the county already and were ready to build. They had a commercial moving company transport it to the property with no problem. We were pleased as we no longer paid taxes and were also a dollar richer.
After remodeling, the new owners invited my parents to a house-warming event several months later. Mom and Dad were so excited to see their house “”recycled”!
Another way to skin the cat.
I love your photo of your parents at home.
Beautifully written, James. Thank you for sharing this.
Thanks for your touching article. My youngest brother, and family, took care of my Mom in his home in the six years after my Dad died with the help of my nearby sister and family until the final months of Mom’s life when her health needs required a skilled nursing facility. Mom was in a wheelchair for the last 15 years of her life so deferring being in those high cost facilities allowed Mom to have great care and companionship.
I and their other three children who are geographically scattered across the country were fortunate for our parents advance planning and their disposal of their home and a majority of their tangible possession prior to Dad’s death at age 82. I will be forever grateful to my brother and family for Mom’s care and having been relieved of many of the hard decisions and actions your family is now facing.
I know that my Mom and Dad were able to utilize the IRC 121 gain exclusion when they sold the last home they were in for thirty plus years. I recommend your family consider the current tax home sale gain exclusion rules as they may impact your decision of how and when you sell your Mom’s real property. Also, as PA is not a community property state then I would typically expect the property tax basis would be stepped up to 50% of the FMV on your Dad’s portion as of his DOD. If your Mom’s $250K IRC 121 exclusion (for a single filer) is greater than your Mom’s gain then there should be no federal taxable gain if your Mom sells the property within the IRC 121 time limits after she moved out of her home. I am not familiar with PA tax law.
Careful consideration of the tax laws prior to sale can help avoid unwelcome tax surprises.
Best, Bill
Thanks for those suggestions, Bill. Super helpful!
I’m sorry if my comments seem callous. Put it on the market asap and get the cash to take care of your mom. In the end, the stuff and structure are far less important. I’ve seen this movie twice up close in the last decade. There were two completely different situations, but I think if you didn’t want to talk about it or plan it out before now, this is not the time, just rip off the bandaid and get it done now. Really, how much time and $$ risk can you afford to take in a development plan if the market declines?
If selling everything now results in $300k after you pay fees, and renting the house now but selling the lots individually later (through a broker or such) results in $3 million after fees, I might feel worth it to do the latter IF it means my mom’s nursing facility costs are covered.
All good points, Bo. Thank you.
Beautiful story Jim, one many of us have lived. We bought my parents home and they lived their last years with us. The home was in our family for 53 years. We sold it in 2021. The neighborhood had completely changed, and we knew it was not where we wanted to retire. Frankly, I was ready for someplace new after so many years. A nice young family is now making memories.
My father-in-law wanted to stay in his house until his last day. When he passed, we helped my mother-in-law sell her home of over 40 years. She waited a few years after her husband died. It became obvious to her that it was too much for her to take care of, even with all our help.
These experiences convinced me that having a well organized estate plan is a gift to our children. Taking care of your housing, downsizing, and, getting rid of decades of accumulated, and often unwanted stuff, can take years. As hard and emotional as it may be, planning for your señor years while you are still healthy and sentient, is a noble goal.
Thanks, Rick. What we’re going through is definitely a common human experience.
When my father died, we had to decide what to do with the house where we grew up. My Mom and Dad lived there from 1963 to 2009. We didn’t have your options. It was in suburbia – a ranch home with a full basement on a one-half acre lot. There had been few upgrades (modernizations?) through the years and substantial foundation repairs were required before it could be sold. As products of the Depression, my parents put anything not being used in the attic – because they couldn’t bear to throw something out. I was the executor, so I was the “owner” as far as all repairs and upgrades were concerned. Unfortunately, after all we had to go through to dispose of contents, clothes, memorabilia, and then manage the repairs, the only emotion I felt was relief. I wish you well on your journey, and am sure you and your siblings will make the right decisions.
My childhood home is etched in my memory. When I can’t go to sleep at night I imagine walking in the backdoor, up the three steps to the laundry, around the corner to the kitchen, and then I can explore the entire house. My parents lived there for 49 years. Dad wanted to move but Mom did not. She said, “I want the three children to have a home to come back to.” And we did. It’s the memories that count.
Yes, it’s the memories that count. It’s amazing how a home will etch itself into our memories. Shows the power of home in the human psyche.
I had a former co-worker who was in a similar situation. She hired a video production company to go into her childhood home and film it–I believe they used some type of virtual reality camera. It allowed her to ‘visit’ the home she grew up in and experience the memories without having to hold onto the home itself.
What a great idea! I’m going to talk to my siblings about this. Thanks!
You’re welcome!
Beautiful and poignant way to start my day here in NE PA. There was a family farmhouse where my mom grew up and we were blessed to also live there with our kids for a few years. We sold off lots and eventually the house. Now, another young family lives there. I love seeing their play equipment when I occasionally drive by. Perhaps you will be so fortunate. Thanks for sharing.
Thanks, Linda. Yes, we’re considering selling off the lots and renovating the farmhouse to maybe rent it. It’s so hard letting go of it.
Are your siblings ready to be landlords? You’re kicking the can down the road. Convert your beloved property to cash and eliminate all future headaches. Esp while your mom is alive. When the dreaded day arrives only having investments and cash accounts to disburse will make the executor’s life much easier.
PS Subdividing into lots and selling them seems like the most lucrative idea.
PPS create & sell the lots and have kids buy house via a LLC? Then you could win on both counts. Lots of $ for mom and her care, & the family home is preserved. Remodel and rent; remodel & flip. Or rent as is.
I had similar feelings upon selling our house of 45 years where we raised our four children. So many memories. Each of our children with their families came to see the house for one last time
When the house was empty and we had already moved my wife and I stood in the dining room, hugged and cried.
Shotly after there was the realization it was just a structure. All those great memories, all the past laughter and tears raising a family were still with us and always would be.
I drive by the old house 2-3 times a week and now I mostly think about the young couple who live in the house, a new baby and making their own memories.
The structure is once again doing its job- although I doubt any family will live there for 45 years as we did, it is after-all nearly 100 years old and yikes, no walk in closets.
You’re absolutely right – it’s just a structure. The ghosts are in our heads. 🙂
A beautiful story . I know you will walk through that house in your mind for years to come . You bear a remarkable likeness to your mother.. Your parents created a wonderful family .
Thank you, Paula. Yes, I’m very blessed.
Sad on so many levels, this wonderful story represents the ending of a particularly special American memory that future generations will not ever experience given the frequent changes in our culture.
Beautifully written. Thank you.
I’ve been through a similar situation. It is emotionally draining at first, but quickly improves once it is done.
You’ll always have nostalgic feelings about the old place. My advice is to take lots of pictures inside and out. You’ll appreciate viewing them when the old place is long gone.
Great suggestion. Thank you!
Reminded me of our old house and our family. Thanks for sharing.
Martymac, Me too – except that one sibling caused significant problems for the others and our parents…a good lesson to get these types of things sorted out calmly before a crisis creates urgency and unnecessary stress.