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Last update on June 18, 2024

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Structural Engineering questions, answered by experts

Yes, a one-story house can have a load-bearing wall. The load-bearing walls in a single-story home are usually the exterior walls. If the house has a basement with exposed walls, the arrangement of the beams can help indicate what walls are load-bearing.

No, beams are the primary load-bearers for flooring or roofing systems, and they distribute the weight of the structure to your foundational supports, while joists bear far less weight and distribute their loads to the beams. Beams are usually thicker and longer, and they have support posts or foundation walls beneath them for support.

It depends on the bank and the extent of the issue. Some banks will lend against homes with minor foundation damage, but most won’t if the issue is structural since the home acts as collateral for the mortgage. Banks that offer renovation loans might still finance a home with structural problems. More minor issues like settling cracks and intermittent problems with humidity are unlikely to stop a bank from financing.

Any issue that affects the structural integrity or soundness of a home is considered a structural issue. In addition to foundation cracks, other signs of structural issues include roof leaks, bowing walls, sloping floors, gaps around windows and doors, and more.

Structural engineers can perform various inspections on different structures in your home. These inspections usually include a report detailing the engineer’s findings and recommendations for repairs so you can determine your next course of action for repairs, replacements, or new builds. Some of the most common structural engineering reports include:

  • Full home inspection: $350–$1,000

  • Foundation: $300–$800

  • Load-bearing walls: $300–$1,000

  • Roof: $150–$600

  • Chimney: $200–$500

The Outing, MN homeowners’ guide to structural engineering services

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