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How To Build a Home: A 12 Step Guide

ooking to build your dream home? Or interested in purchasing new construction? Either way, our guide to building a house has everything you need to know.

Things To Consider Before You Build a House

The new home construction process can be both fun and challenging. As you consider if building a house is right for you, weigh the pros and cons of each option listed below. Is it cost-effective for you to build? Do you want to customize your entire house or just some amenities? What can you expect during the home construction process?

Cost: Is It Cheaper To Buy Or Build a House?

When you compare the cost of a new build versus an existing house, there’s more to consider than just the price tag. Let’s look at some of the variables involved, so you can decide which one is worth the cost.


Unless you pay in cash, you’ll finance your new construction through a construction loan. Since these loans have higher interest rates than a standard mortgage, this can increase your overall cost for the home. In addition, buyers are expected to put down between 20% – 25% of construction costs. Mortgages for existing homes have more flexibility with down payment requirements.

Price per Square Foot

Since new construction is often larger than older homes, it may skew your perception of the price. While initially a larger investment, the cost of building a new home is often cheaper per square foot and provides more space for your money. For example, a 1,500 square foot home built in the 1960’s costs on average $148 per square foot. New construction, with 2,467 square feet, costs only $103 per square foot.

Architect Costs

Some home building companies have architects as part of their team. If not, remember to include your architect’s fees into your plans, which usually range between 5%-15% of total project costs. Naturally, this wouldn’t be an expense associated with an existing home.

Maintenance and Landscaping

Newly built houses will initially need fewer repairs and will be more energy efficient, further keeping costs down. On the other hand, older homes will already have mature lawns and trees, saving you time and money in establishing your yard.

Time and Involvement

Are you prepared to be involved in the home building process? It takes time and energy, and a willingness to learn. Will that take away from your work or family responsibilities? While this doesn’t have a dollar value attached, it’s important to consider. So, is it cheaper to buy or build a house? While the sales price of a newly built home is typically higher (on average) than buying an existing home, they’re usually less expensive per square foot and you won’t have to worry about maintenance (for a while). On the other hand, financing can be more expensive and you might have added costs like an architect fee and landscaping for your new yard.

What Type of House You Want

When you build your own house, there are several different types: tract, speculative, and fully custom. The main difference between these choices is the level of customization.
  • Tract – With tract homes, builders choose specific floor plans, all of which will look similar and have shared amenities. Here, you’ll have very little chance to customize.
  • Speculative – Speculative (or spec for short) homes are similar to tract homes, yet some customization is available if you purchase early enough in the building process. While the builder chooses the floor plan, early buyers can select some personalized touches, such as paint color.
  • Custom homes – Custom homes provide you with the most options. Buyers can choose their own land, floor plan, and all amenities. You have complete control over every detail to build your dream home.

Level of Design Control

As noted above, if you decide to choose a tract or speculative house, the builder will determine the number of bedrooms and bathrooms, as well as the exterior style. However, when building from scratch, you have more control over the type of house design and features you’d like to include in your new home. Consider what works well for you now, in the future, and resale value. For example:
  • Is your family currently growing or downsizing? Will your aging parents need an in-law suite?
  • Will you need a one-story home due to mobility issues at some point? Perhaps a ranch-style house plan would be better than a colonial.
  • Will adding certain amenities (like a pool) set your house’s resell price point high above the neighborhood average?

What Are The Steps To Building a House?

There are many steps to building a house, from pouring the foundation to framing to choosing your paint colors. This guide will show you the process of building a house, so you’ll know what to expect each step of the way.

1. Building Site Preparation

Once your builder has acquired the appropriate permits, the first step in building a house is to prepare the land. During building site preparation, crews will clear the lot of rocks, debris, or trees. Their goal is to level the site prior to pouring the foundation.

2. Pouring the Foundation

Foundations are typically built on slabs, basements, or crawl spaces. They often consist of poured concrete with steel rods. Since concrete isn’t waterproof, your contractor will spray it with a waterproofing substance. City inspectors will examine the foundation before building continues.

3. Framing

During this step, the contractor will install walls, windows, and doors, as well as the floor and roof systems. What’s known as the skeleton of your new house is starting to take shape! Your builder will install a protective shield, known as a house wrap, to prevent moisture from affecting the structure, keeping mold and wood rot at bay.

4. Setting Up Plumbing, Electrical & HVAC

Once the house is considered “dried in” (i.e., covered with the house wrap), it’s time to move onto plumbing, electrical, and HVAC systems. After they’re installed, an inspector will approve your pipes, electrical wiring, and heating and cooling ducts. The builder will typically schedule wiring installation after the plumbing and HVAC ducts are in place because it’s easier for the electrician to work around the other two contractors’.

5. Adding Insulation

Adding insulation is an important step for controlling a house’s temperature and keeping cooling and heating costs low. Foam, fiberglass, and cellulose are common insulation materials. Your contractor will typically insulate exterior walls, and areas around a basement, crawl spaces, or attic.

6. Adding Drywall

Once the drywall goes up, your house’s interior will begin to look complete. Your builder will hang drywall and cover any raised surfaces, like seams or nails, with a spackling compound. They may use a texture spray to add interest to the walls. And finally, a coat of primer.

7. Interior Finishes

Once the drywall is in place, your builder will focus on interior finishes, such as the fireplace, mantle, internal doors and window sills, and decorative trim. You’ll finally get to see that paint color you’ve been agonizing over on the walls! (And trust us, it’ll look great!)

8. Exterior Finishes

Driveways, walkways, and patios, oh my! Things are really starting to take shape outside your new home too. The builder will complete exterior grading to ensure proper drainage away from the house and make sure your new yard is coming along nicely.

9. Installing Fixtures

In this step, your builder will install fixtures, such as light switches and faucets. You’ll also see your toilets and sinks added. Your HVAC system is now complete.

10. Installing Flooring

Next, your builder will install either hardwood flooring or carpets. When making your selections, consider which is right for you in each room of your home. For example, if you suffer from allergies, hardwood might be the way to go. Your new home will look move-in ready after this step!

11. Inspection

This final inspection, by a building code official, will give you a certificate of occupancy, which means it’s time to move in! If there are any problems, they’ll schedule a second inspection to confirm the builder corrected the issues. A pro tip for building your house – get an independent inspector as well.

12. Final Walkthrough

Also known slot bonus new member as a pre-settlement walkthrough, your builder will show you the new home’s amenities and cover your responsibilities under warranty. Now is your chance to spot anything you’d like them correct before moving in. Take your time and examine things closely. For example, check to make sure they’ve included all of the features you requested and that all of the electrical outlets are working.

How Long Does It Take To Build a House From Start To Finish?

On average, it takes three to six months to build a new home from start to finish. Remember, your builder’s schedule is more of a guideline than a hard-and-fast deadline. Inclement weather, subcontractor schedules, and permit delays are just a few reasons that owners of new construction need to keep flexibility in mind.

Summary: Should I Buy or Build a House?

The process of building a house is not right for everyone, but if you talk to someone who’s built a custom home, chances are they love it. Buying versus building depends on factors like timing, finances, and personal preferences. Regardless of what you decide, BHHS Fox & Roach is here to support you every step of the way.
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