Estimated Build Cost in Texas

$328,624

Range: $289,189 – $368,059

$164
per sq ft
$1,820/mo
est. mortgage

Configure Your Build

5004,0008,000

Upgraded finishes, quality materials

20% ($65,725)
3%20%50%

Mid-Range Finish Includes

  • • Quartz countertops
  • • Hardwood floors
  • • Semi-custom cabinets
  • • Upgraded fixtures
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Line-Item Estimate

2,000 sq ft · mid quality
🏗️Foundation & Concrete
Full basement or reinforced crawl space
$32,862
10%
🪵Framing & Structure
Advanced framing techniques, engineered lumber
$52,580
16%
🏠Exterior & Roofing
Fiber cement siding, architectural shingles
$42,721
13%
⚡HVAC / Plumbing / Electrical
High-efficiency HVAC, PEX plumbing, 200A service
$59,152
18%
🧱Insulation & Drywall
Blown-in insulation, smooth-finish drywall
$23,004
7%
🎨Interior Finishes
Quartz counters, hardwood floors, semi-custom cabinets
$52,580
16%
Total Estimate
Range: $289,189 – $368,059
$328,624
$164/sq ft avg

* Excludes land cost, which varies widely by location. Add $20,000–$200,000+ depending on your area.

Mortgage Estimate

7.40%Oct 8, 2026
$1,820
Monthly Payment
30-yr fixed 7.40%
$65,725
Down Payment
20% of total
$263K
Loan Amount
principal
$392K
Total Interest
+149% over 30 yrs
💡

Income Rule of Thumb

To keep housing costs under 28% of gross income, you'd need to earn at least $78,000/year to afford this 2,000 sq ft home.

Rate: 7.40% — Freddie Mac Primary Mortgage Market Survey, Oct 8, 2026. Does not include property taxes, insurance, or HOA fees.

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