How much does it cost to build a house?

cost to build a house

It seems building your own house is a trend that’s on the rise, but just how much does it cost to build a house?

Last year there were 12,500 custom and self-build homes completed in the UK; an increase of 6% from the previous year.

It’s a common dream many homeowners share, but how much does it cost to build a house?

Building your own home is something that many people dream of, but thinking about the reality of project management and financial planning often put them off before they’ve really looked into it.

The government is committed to making it easier for normal people to build their own properties and aim to have 20,000 custom and self-build properties being completed every year by 2020.

If you’re not experienced in managing building projects, the idea of working out how much it will cost to build your own house can be quite intimidating. We’ve put together some key facts and information to help you work out how much it will cost to build your own house.

When considering building your own house, one aspect that will massively affect the budget required is how much of the work you are willing or able to do yourselves. When building a house, people usually take one of four routes:

  1. The DIY approach: A large proportion of the work is done yourself on a DIY basis. Materials are purchased directly from suppliers and project management is a role you take on yourself. This is the least expensive method, but obviously has significant implications in terms of skill level required and time available.
  2. The trade approach: Those who don’t have the trade skills, but are happy to take on the management of the project may take the trade approach. Most materials will still be purchased directly, but tradespeople are brought on site to carry out skilled work.
  3. The weathertight approach: A contractor is brought on to see the construction through to the point of the building being weathertight, at which point you will take over the management and oversee all of the remaining work.
  4. The contractor approach: A contractor will be hired to manage the entire build. They will be responsible for purchasing all materials and managing both the project and any subcontractors through to completion. This is obviously the most expensive approach, but if you’re an inexperienced self-builder it may be a wise move to bring in the experts.

Another significant factor in establishing how much it costs to build a house is the level of finish you choose, from basic through to luxury. Most people who choose to build their own house end up spending between £300 and £3,000 per m2.

On top of that, you’ll need to consider the other costs associated with building a house, including:

  • Initial plot purchase fee (if you don’t already own the plot you plan to build on)
  • Stamp Duty Land Tax when purchasing a plot – for up to date figures on Stamp Duty Land Tax payable visit the Money Advice Service.
  • Legal fees (estimate £500-£1,000)
  • Site survey (estimate £350-£500)
  • Architectural/design fees (expect to pay around 7-15% of the total build cost for architectural and design services)
  • Structural Engineer’s costs (estimate £400-£500)
  • Planning application fees (currently £335)
  • Building regulations fees (estimate £500-£1,000)
  • Insurance (estimate £500-£800)
  • Any demolition costs to clear site
  • Other external works
  • Additional services

If you’re looking for a greater idea of required budget, there are a range of online calculators available to help you work out how much it will cost to build your own house, and we particularly like this one from Build It.

You can also find more information about available finance and self-build mortgages on the Build It website.

This content was written by Quick Move Now
Published on 3rd May 2016
Last updated on 17th August 2018


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