ᐅ Home Construction 2026 – Cost Estimate

Created on: 6 May 2026 16:12
J
Jonirupp00
Hello everyone,

My fiancée and I would like to build a house as soon as possible. Here are our requirements and what we have to offer:
  • We already own a roughly 800 m² (8600 sq ft) completely flat plot of land (not yet connected to utilities)
  • Equity expected to be around 120K (The house we currently live in belongs to my father and is planned to be sold – I will receive one third of the sale)
We would like:
  • 140 m² (1507 sq ft) of living space plus a usable basement
  • A hipped roof
  • Photovoltaic system plus battery storage, if possible
  • A total budget of 600K (garden can be developed later)
  • Two parking spaces in front of the house
Currently, my fiancée is in teacher training, so we have a net household income of about 4.4K at the moment, which is expected to increase to around 7K in about two years. We plan to have children in approximately 5 to 8 years.

Do you think this is feasible at the moment?
J
Jonirupp00
7 May 2026 07:33
Yes, there is a lot of talk, but that’s only because the current situation is driving me crazy. I really don’t want to rent a 70m² (750 sq ft) apartment here for an average of 1,400 per month.

The plot can definitely be connected to utilities. It is located in a residential area.
H
hanghaus2023
7 May 2026 14:25
Jonirupp00 schrieb:
The plot can definitely be developed. It is located in a residential area.

How do you know that? There are also plots in residential areas that are not ready for connection. It's best to check with the utility providers just to be sure.
M
Medium
7 May 2026 16:55
Jonirupp00 schrieb:
The plot can definitely be connected to utilities. It is located in a residential area.
hanghaus2023 schrieb:
How do you know that?

I assume that the wrong terms are being used here. The plot is indeed connected to utilities, but the house itself is not yet supplied because it is not yet built.
G
gsn24
9 May 2026 14:43
If you want to finance a house, the bank will require proof of the equity you have, which in your case is mostly tied up in your father's house where you currently live—and it's uncertain if or at what price it will even be sold. This simply doesn’t add up.

Here’s what I would suggest: move out of the house and rent an apartment to get away from this stressful living situation. In the meantime, help your father with selling the house and continue saving up your own equity. Your fiancée can complete her teacher training, and then in about two years, you can build your own house on your nice plot of land that you’ve been using as a garden and where you can even start planting some strawberries 🙂