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The traditional ranch style home is a low profile, one level architectural design featuring wide open spaces and all main living areas on a single level. While optional finished lower levels or added Eagle’s Nest options can expand available square footage, a true ranch-style home provides one-level mobility from room to room with few or no stairs.

The ranch floor plan is in high demand due to its overall convenience and exceptional good looks.

The ranch is best suited for buyers looking to make their new home their forever home. Aging in place and wheelchair-accessible options can expand mobility for disabled or aging residents. At the other end of the spectrum, many young families opt for a ranch style home fearing for young children and the hazard of playing on or near stairs.

Payne Family Homes offers 14 different, equally appealing ranch floor plans across the Vision, Lifestyle I, Lifestyle II, and New Urban series of homes.

LP Montego II View of Main Living Areas and Staircase to Loft

1.5 Story

Some markets don’t have a term for what we in the St. Louis market call the 1.5 story. Others simply call this popular 2-story floor plan design a ‘Main Floor Master.’ That’s exactly what it is. The 1.5 story home positions the owner’s suite on the main floor of the home and all secondary bedrooms on the upper level. Sometimes additional sleep spaces are added to a finished lower level.

The one-and-a-half story home has become increasingly popular prompting Payne Family Homes to offer an expanded floor plan offering. The Adelaide, Adelaide II, Haverhill, Edison, Montego, and Montego II are each natural 1.5 story homes. Payne Family Homes introduced a popular option it calls, The Eagle’s Nest. The Eagle’s Nest is available on the DaVinci, Denmark, and Hamilton ranch plans. The Eagle’s Nest adds a generous bedroom (or two ilo the added living space), a living space, and a full bath to convert these popular ranch models to 1.5 story plans.

Families with older children often lean towards the 1.5 story over the ranch in order to give parents a greater level of privacy from the children. We are also seeing families opt for the 1.5 story, giving the in-laws the primary owner’s suite on the main floor and moving the remainder of the family upstairs. This arrangement really makes the grandparents feel safe and comfortable in their own space.

SC Breckenridge 2 Story Display Home Entry

2 Story

The traditional two-story home typically places all bedrooms on the second floor making it a popular choice for growing families.

It is common to see the main floor of a Payne Family Homes 2-story dedicated to gathering, dining, entertaining and home office, while the upper level hosts sleep quarters and laundry facilities. Finished lower level options are available to extend added living space, added bedroom(s), and additional storage.

Two-story home design provides more square footage in a smaller footprint than a one story home. Payne Family Homes offers eleven 2-story floor plans ranging in size from 1,766 square feet to 3,388 square feet.

The two-story home is often less expensive to heat. That is especially true with a Payne Family home because of our Dual Zone HVAC Systems. Dual Zone Systems are installed in our 1.5 and 2-story Lifestyle series homes and available in other collections. Dual Zone System means two furnaces and two air conditioning units, as well as two fully programmable thermostats for maximum comfort and energy efficiency.

Talamore Square Townhome Display Frontenac


Fairly new in the Payne Family Homes lineup of products is the Townhome. At present, Uptown Townhomes are offered in Frontenac at Talamore Square.

Uptown Townhomes are 3-story structures presenting a traditional exterior and modern interior floor plan. The main floor features private parking, powder room, and a single living space that can be used as a bedroom, home office, living area, or unfinished storage.

The second floor hosts an open kitchen layout with generously-sized pantry, dining space, great room, and powder room.

The third floor provides the choice of two owner’s suites or three bedrooms, private baths, and plenty of closet space.

Townhomes have gained such popularity that Payne Family Homes is expanding its townhomes offerings in both St. Charles County and St. Louis County. Watch for new townhomes communities coming soon to O’Fallon and Richmond Heights.

Still don’t know what fits you best? Visit a Payne Family Homes neighborhood to learn more or enjoy a virtual home tour from the comfort of your favorite chair.