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Construction Loans by State

What it takes to finance a median-size new build with land in each state: the cash at 20% down and the monthly principal and interest at today's 7.4% 30-year rate. The 2026 conforming loan limit is $832,750 in most counties.

$2,329/mo at 20% down

$4,843/mo at 20% down

$2,737/mo at 20% down

$2,177/mo at 20% down

$6,657/mo at 20% down

$3,414/mo at 20% down

$5,879/mo at 20% down

$3,309/mo at 20% down

District of Columbia

$6,640/mo at 20% down

$3,370/mo at 20% down

$2,498/mo at 20% down

$8,533/mo at 20% down

$2,635/mo at 20% down

$3,142/mo at 20% down

$2,330/mo at 20% down

$2,217/mo at 20% down

$2,157/mo at 20% down

$2,270/mo at 20% down

$2,559/mo at 20% down

$3,963/mo at 20% down

$4,269/mo at 20% down

$6,704/mo at 20% down

$2,561/mo at 20% down

$2,934/mo at 20% down

$2,079/mo at 20% down

$2,208/mo at 20% down

$2,859/mo at 20% down

$2,144/mo at 20% down

$2,758/mo at 20% down

$4,848/mo at 20% down

$5,761/mo at 20% down

$2,468/mo at 20% down

$6,494/mo at 20% down

$2,652/mo at 20% down

$2,282/mo at 20% down

$2,489/mo at 20% down

$2,324/mo at 20% down

$3,805/mo at 20% down

$3,559/mo at 20% down

$5,550/mo at 20% down

$2,515/mo at 20% down

$2,173/mo at 20% down

$2,511/mo at 20% down

$2,722/mo at 20% down

$3,213/mo at 20% down

$3,892/mo at 20% down

$3,629/mo at 20% down

$4,243/mo at 20% down

$2,244/mo at 20% down

$2,647/mo at 20% down

$2,732/mo at 20% down

Rate: Freddie Mac PMMS via FRED, week of 2026-10-08. Loan limits: FHFA. Build costs: HouseBuildCalc per-state model plus FHFA land share.