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No, hairline cracks in concrete are generally not a problem as they do not impact the strength and longevity of the concrete. Generally, cracks less than 0.3 millimeter wide don’t impact the structure. Hairline cracks can grow over time and weaken the structure, such as in a home foundation. Some hairline cracks can also cause leaks in a foundation. It’s important to watch the cracks to see if they grow. Contact a concrete contractor if you notice cracks exceeding 0.3 millimeter wide.

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.

Foundation repairs cost about $5,000, on average. Typically, prices range from $2,200 to $7,800, depending on the type and extent of repairs needed. Cost factors include foundation type, home size, soil stability, accessibility, and the ultimate cause of the problem and what methods and materials are required to fix it.

Minor hairline cracks in your concrete may not look pretty, but they’re often not serious. It’s when concrete cracks are larger—wide enough that you can slide a credit card into it—that you need to worry. If you monitor a crack and can trace its active expansion over time, you’ll definitely want to call in a pro to inspect it and, potentially, repair it. Want to prevent cracks in your garage and driveway concrete in the future? Stay on top of sealing. Here’s how to seal your concrete garage floor and driveway.