So How Much Does It Cost To Build?

Answer:  It Depends!

To be sure, it is not possible to describe each and every design variation and engineering concept that drives cost.   No one can describe the perfect final finish budget.  What one can do if one has the time is determine the cost to do each thing that it takes to build a home.   This first article in  long series is a generalization to get you to think about it and ask questions if you really want to pursue it.  Dive in with me as I conclude each portion for you to review.

When I first say it is easy, don't judge or scoff.  It is easy.   Just like it is easy to walk 10 miles...easy yes....but it takes time.   Just because something is easy does not mean it takes little or no time.  This takes time!

Builders, in my view, get paid for time.   What they do can be learned and done by many people if that is their passion.   But make no mistake about it, a builder earns his or her money in many ways.   The question isn't what is fair or not fair for profit, the question is, can you do it yourself or not?  Is the process transparent enough for you?

This article presumes that you are among the probably very few that could do it yourself.   You have time.  You are well organized.  You know how to do research.  You can learn fast.   If you have a full time job in Atlanta, you cannot build a home yourself here on 30-A.  You will need supervisory help or a builder to do it for you.   Building a home as home owner without the help of a supervisory consultant or a builder is a nearly full time job particularly if it is the first time you have ever done it.

It is best if you have done it a time or two yourself anywhere.   Renovations if significant could count for your experience.

So how does one build their own home in Walton County?  Lets define the project a bit so we can be on the same page.  Let's take a concrete pier / garage slab and block foundation and wood frame construction with concrete fiberboard exterior and standing seam metal roof in a community where there is no restriction on architects that you can use (this is important for cost).

You need land, plans, a permit, a foundation, framing, windows and doors, siding and exterior trim,  You need a roof and exterior painting.  You need plumbing, HVAC and electric.  You need insulation and drywall.  You need interior paint done in the proper sequence.  You need interior trim and doors.  You need floors and cabinets, surfaces (counters) and appliances.  You have to select all the fixtures both plumbing and electric.  You need shower pans and decorative tile and backsplashes.....and you need.......

I think by now you are getting the drift.   This is easy, but it takes time.   So these primers will get you to think that maybe you can.  Let's look at the detail one post at a time.  Are you ready? By the way, an indication of cost is no good.  Contracted values are all that matters.   Watch out for squirrels if you know what I mean.   Find the honest Joe's and do business with them.

(if it is a link, I have published that section)


  1. Lot Selection
  2. Plans
  3. Engineering
  4. Permitting
  5. Clearing
  6. Foundation/Inspection
  7. Framing
  8. Windows/Doors
  9. Plumbing - Rough
  10. Electric - Rough
  11. HVAC - Rough
  12. Fire Suppression - Yes it is required on true 4 story structures - Rough
  13. Final Framing Inspection
  14. Insulation
  15. Drywall
  16. Paint Rafter Tails
  17. Exterior Trim and Siding
  18. Selective Exterior Paint
  19. Roof
  20. Shower Pans
  21. Plumbing - Finals
  22. HVAC - Finals
  23. Electric - Finals
  24. Power the House/Inspection for Electric/Chelco or Gulf Power
  25. Exterior Paint
  26. First Interior Paint
  27. Decorative Tile work/Showers
  28. Deliver Floors
  29. Interior Trim/Doors
  30. Install Floors/First Finish
  31. Cabinets
  32. Surfaces
  33. Fixtures Plumbing and Electric
  34. Appliances
  35. Kitchen Backsplash Tile
  36. Final Interior Paint
  37. Final Floor Finish
  38. Certificate to Occupy








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