Project Basics
sq ft
Quality Grade
Economy
×0.75
Standard
×1.00
Premium
×1.35
Luxury
×1.85
Location & Labor
Custom Cost Override
$/sqft
15%
0%30%
Materials & Systems
Optional Additions
Soft Costs
$
Detailed Cost Breakdown
ℹ️ Run the calculator first to see your detailed breakdown.
Cost per Category (NAHB Framework)
Construction Loan & EMI Planner
$
20%
5%50%
%
Monthly EMI
—
Total Interest
—
Total Payable
—
ℹ️ Current avg. 30-yr construction loan rates hover around 7–8% (2026). Rates vary by lender,
credit score, and draw schedule.
Construction Timeline Estimator
⏰ Supply chain delays for HVAC & electrical can add 8–16 weeks in 2026. Build buffer time into
your plan.
Pre-Construction Checklist
During Construction Checklist
Money-Saving Tips & Pitfalls to Avoid
Regional Cost Comparison
| State/Region | Cost/sq ft | $2,000 sqft home | Trend |
|---|---|---|---|
| California (SF/LA) | $297–$660 | $594k–$1.32M | 📈 +7% |
| New York / NJ | $261–$522 | $522k–$1.04M | 📈 +6% |
| Texas (General) | $165–$330 | $330k–$660k | 📉 –2% |
| Florida | $160–$323 | $320k–$645k | 📈 +4% |
| Illinois (Chicago) | $198–$396 | $396k–$792k | → Flat |
| Georgia | $158–$317 | $317k–$634k | 📈 +3% |
| National Average | $189–$378 | $378k–$756k | 📈 +5% |