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At the end of that year as I wiped down my tacky Formica countertops and bathed in my 1950s seafoam green tub, I wondered if we had spent that money wisely.

If we had put our house up for sale, would potential buyers have really cared about the dry basement and reliable furnace?

Replacing roofs and windows were also high on the list, returning 80 percent or more at resale.

"Buyers want to take the basic systems for granted," says Sal Alfano, Remodeling's editorial director.

Siding replacement recouped 92.8 percent of its cost, according to the study.

Two key points to consider, however: First, don't spend money remodeling the bathroom if it's the only one you've got. Many people love "the charm of older homes," says Long Beach, Calif., based realtor Dick Gaylord.

"They assume the roof doesn't leak and the air conditioning and plumbing work.

Maintenance can chew up a lot of cash quickly, and people are afraid of that." That's not to say that granite counters and steam showers don't pay off; kitchen and bathroom remodels continue to be two of the best investments you can make in your house.

Think traditional: all-wood cabinets, commercial-look appliances, natural wood or stone floors and stone countertops.

Walk-in showers have replaced whirlpool tubs as the must-have cleaning machine in bathrooms, Straughan says.

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