Have you ever walked into a home and instantly felt cozy, even in the heart of a bustling city? It’s hard to pinpoint exactly why it feels so comfortable and serene amidst all the noise and chaos.
In this post, I’ll break down the key elements that create that warm, welcoming atmosphere. As we get older, our tolerance for chaos fades—and if you have kids, your need for peace, safety, and tranquility will only grow stronger.
Living in a big city often means peace and quiet are hard to come by. For many, the journey up the property ladder begins with renting an apartment, where noise can become a part of daily life. Whether it’s an upstairs neighbor dancing in their shoes or loud music from next door, these distractions can make finding tranquility difficult.
My first apartment was on 45 Wall Street in Manhattan, where the rumble of the subway shook my studio every 10 minutes. In San Francisco, I shared a one-bedroom apartment with my girlfriend in the Cow Hollow neighborhood. Unfortunately, we had an alcoholic upstairs neighbor who’d pass out with his bass music thumping until the next morning. That was no fun!
I had to tolerate the noise because I had little money. When I bought my first single-family home at 28, I finally realized how nice it was to come home unbothered after a long day’s work. Well, sorta.
A Single-Family Home on a Busy Street
My first single-family home in The Marina was a step up from apartment living, but it had its challenges. Located on a busy street in San Francisco, just next to the city’s busiest road, the noise was incessant. My neighbors were close enough that I could sometimes hear them through the walls.
We made it work for almost ten years by installing soundproof windows, thick curtains, and carpets to reduce the road noise. Over time, the hum of traffic faded into the background—except for the persistent rattle of a loose manhole cover that took the city ten months to fix.
Found A Cheaper Home Farther Away From Downtown
In 2014, two years after leaving finance, I found a fixer-upper in a quiet neighborhood nestled in the hills of Golden Gate Heights with panoramic ocean views. Despite being 400 square feet smaller and 50% cheaper, the peace and quiet of the location won me over.
This was the beginning of my appreciation for a truly cozy, nestled home on a quiet street. The tranquility not only made writing easier but also gave me a sense of safety and well-being.
In my 40s, I value a cozy home in a peaceful neighborhood to the maximum. So do others, which is why such homes will trade at growing premiums in the future.
Oh, but did I mention my neighbor got a motorbike a few years after we moved in? If you have an adult male neighbor who moves back home after college, be warned—he might have plenty of disposable income to splurge on toys, especially since he doesn’t have to worry about paying rent.
What Makes a Home Feel Cozy and Special
I’m sharing these experiences because I considered buying a home in St. Francis Wood, a neighborhood on San Francisco’s growing west side. It offered larger lots and was only a five-minute drive from my son’s new school. We could walk to school in only 15-20 minutes as well. The neighborhood is great, with its own playground and tennis courts too.
However, the neighborhood had busy streets surrounding it with Portola Drive, Santa Clara Ave, and Junipero Serra Blvd, all of which are main arteries that lead to the highway. In addition, to avoid backed-up Portola Drive traffic during the morning rush, drivers would take a left and cut south through smaller neighborhood streets in St. Francis Wood (vertical lines below).
Despite the larger lots, many of the homes didn’t feel cozy to me—unless you lived on a specific block in the middle away from the surrounding streets or up the hill. Ultimately, I passed on the neighborhood because there was no supply of a home I liked that was also recently remodeled. I continued my search for a more tucked-away and intimate neighborhood.
Let’s go through a few things that can make a home feel nestled, cozy, and comfortable. These qualities will become even more valuable as you get older or have children. The first three attributes of a home are something I never considered in my 20s and 30s.
1) A Deep Setback from the Road and Sidewalk
The farther your home is from the sidewalk and street, the cozier it will feel. In big cities like New York or San Francisco, many entrances open directly to the sidewalk. While this puts you right in the action, it takes away from the homey atmosphere you might crave if you work from home or have a family.
Ideally, your front door or gate should be at least six feet from the sidewalk—the farther, the better. Many planned communities have bylaws enforcing minimum setback distances for this reason. For example, the architectural standards and regulations for Forest Hill, an exclusive park-like neighborhood in San Francisco, requires each home shall be setback 15 feet from the property line. The setback is measured from the edge of the sidewalk closest to the house.
A large front yard can provide an even greater buffer, though these are rare in big cities. However, large yards can also attract unwanted visitors and animals if it is not gated. Still, the farther you are from the street, the more privacy and tranquility you’ll enjoy.
2) Plentiful Street Trees
A neighborhood with street trees feels peaceful and inviting, offering a sense of calm as you walk or drive through. The leafy canopy above provides dappled sunlight, casting soft shadows on the sidewalk, while the rustle of leaves in the breeze creates a gentle, soothing sound. The presence of trees brings the community closer to nature, making it feel more connected and alive.
The air feels fresher, and the trees act as a natural barrier to noise, giving the streets a quieter, more serene atmosphere. Especially in bustling urban areas, tree-lined streets create a sense of refuge, offering cool shade on hot days and vibrant colors in the fall.
The regulation in the Forest Hill neighborhood requires one 24 inch box tree for each 20 feet of frontage. Any remaining fraction of 10 feet or more requires an additional tree. I’m sure it’s the same with St. Francis Wood.
3) Lush Landscaping and Privacy Hedges
Landscaping transforms the visual appeal of a property, making it more inviting and visually pleasing. Lush greenery, vibrant flowers, and thoughtful design elements create an aesthetically pleasing environment.
Landscaped spaces also promote relaxation and well-being. Outdoor features like gardens, patios, and pathways create a peaceful retreat that encourages time spent outdoors, which can reduce stress and improve mental health.
Younger renters or homeowners often overlook the value of landscaping. I remember thinking a neighbor wasted $100,000 terracing her backyard, but 11 years later, her backyard looks amazing. She created usable space, and the greenery has softened the hillside, making the home more inviting as well as more valuable.
Landscaping not only enhances curb appeal but also provides privacy. Tall hedges in front of your home create a barrier between you and the outside world, offering a sense of seclusion. The more privacy you have from neighbors, the cozier your home will feel.
4) A Fully Enclosed Property
An enclosed property with a fence or wall makes your home feel more secure, especially if you have children or pets. It provides peace of mind, knowing they can play outside safely without the risk of running into the street.
When you have kids under five, the fear of them running into the street and getting hit by a car is especially high. Just like having an enclosed playpen for a toddler inside the house, you’ll appreciate a fully enclosed property for safety reasons.
If you can’t find a fully enclosed home, living in a gated community with a guard is another option. This adds an extra layer of security and fosters a sense of community, though it typically comes at a higher cost.
5) A Calming View For As Far As The Eye Can See
The higher your home is, the better your view. Ideally, you want a view of nature rather than the side of a building. A park across the street is great, but be mindful of noisy activities like pickleball or sports fields that could disrupt your tranquility.
Water views, particularly of the ocean, are among the most calming. Watching the sunset every evening can have a profound impact on your mental and physical health. Besides the ocean, views of a bay, lake, or river also offer a calming touch.
If you can find a perfect home with both a large enclosed lot and a great view, you’ve hit the jackpot. Hold onto that property for generations. They are hard to come by in a big city.
6) A Quiet Street
A quiet street can make a huge difference in how cozy your home feels. One day, tree trimming rerouted traffic from a busier road to our quiet street, and I was surprised by how much more tension I felt. The increased traffic brought noise, pollution, and more eyes on us. While playing with my kids in the garage, I eventually closed the door after one too many stares.
Before buying, park outside the house at different times of day and on different days of the week. Morning rush hour might reveal traffic patterns you hadn’t anticipated, as could evening rush hour or weekend events.
The biggest test of a quiet street is whether you can comfortably leave your windows open and sleep through the night. If you can, you’ve found a cozy home winner.
8) Wonderful Interior Design
Thoughtful interior decoration plays a significant role in creating a warm and inviting home.
Soft textures, such as plush rugs, comfortable throw blankets, and cozy cushions, can make any room feel more intimate. Incorporating warm lighting, like soft ambient lamps or candles, can also help establish a calming environment.
Natural materials, like wood and stone, add an earthy, grounded feel, while personal touches—family photos, artwork, and souvenirs—bring character and warmth.
Additionally, choosing a color palette with warm, neutral tones helps create a serene atmosphere that feels relaxing and comforting.
8) Thoughtful neighbors
The final element that creates a truly cozy home is having thoughtful neighbors who respect your privacy and peace. While you can’t control who lives next door, it’s all the more reason to spend time around the home you’re considering buying at different times of the day and week.
Imagine working from home while your neighbor’s dog barks nonstop for hours or listening to someone practice a musical instrument at full volume with their windows wide open. Worse yet, if your neighbor joins a Harley-Davidson bike gang and invites friends over with roaring engines every weekend, your nerves will be on edge.
Generally, pricier neighborhoods tend to have more considerate neighbors because homeowners have more at stake. Areas with fewer apartment buildings also tend to be quieter, as there’s less turnover and foot traffic.
However, in some high-end neighborhoods, frequent remodeling and construction projects can disrupt your peace. Rich neighborhoods are often buzzing with home improvement projects, so keep an eye out for neighbors adding another story or expanding their home’s footprint—it could be an ongoing disturbance.
Bringing the Cozy Country Home to the City
In a perfect world, you’d have the space and tranquility of a country home right in the heart of a big city. Unfortunately, such homes are rare and expensive.
But as you get older, wealthier, and start a family, you’ll likely prioritize finding a nestled home that feels peaceful and safe. Rather than seeking the hustle and bustle, you’ll long for a quiet retreat in the hills or on a large lot, away from prying eyes and noisy streets.
If you’re in search of a cozy home, look for one with as many of these above features as possible. And remember, spend time getting to know the area before making a decision. What seems peaceful one day could turn into a nightmare of noise and traffic the next.
Reader Questions And Suggestion
What makes a home cozy and peaceful to you? Why not move to the suburbs to find tranquility? Do you appreciate landscaping as much as I do now?
To invest in private real estate, take a look at Fundrise. They manage private real estate funds focused on the Sunbelt region, where valuations are lower, and yields are higher. Fundrise specializes in residential and industrial real estate, offering investors diversification and passive income potential.
Currently, Fundrise manages over $3.5 billion for more than two million investors. I’ve personally invested over $270,000 with Fundrise, and they’ve been a proud sponsor of Financial Samurai for years. With the Fed at the start of their interest-rate cut cycle, I expect real estate prices to increase over the next several years.
