For the longest time, buying a house was just a matter of picking out a planned development. There is no shortage of pre-selected houses out there. This includes their models, add-ons and even finishes. Over time, another kind of home has emerged: the custom built home.

What Is A Custom Build Home?

When a custom home build happens, it means that you’re going to end up working hand-in-hand with a homebuilder and maybe even an architect for designing, planning and choosing every detail of the home. It includes construction, layout, finish and so much more. 

Customizing a home basically involves every single aspect of it. Detail-oriented people and rather particular people will enjoy this. A number of consultants will likely be involved to achieve the groundwork before any construction actually starts, like plan development and permissions. The process takes quite some time, but it can be fun and somewhat rewarding as well.

Consider Budget and Financing

It’s important to establish a total budget. Keep in mind that before anything home-related at all can even begin, the land has to be purchased first! Only then can the construction planning start, which will quickly bring on a clear picture of how much the build will cost. Note down, realistically, how much you can pay out of pocket. Get an exact figure of how much you have to borrow, too.

Don’t forget to have some “wiggle room” in the overall budget. Account for possible delays, issues, or other situations that may lead to needing more funding.

  • Hard Costs (Construction & Landscaping) – Ask contractors for the average cost per square foot. That cost will not involve septic, retaining walls, utilities, landscaping and/or a well. Landscaping estimates are a whole other consultation, wither either a design firm or a landscape architect.
  • Soft Costs (Consultants & Permitting) – This will come to 10 to 20% of the construction cost as a whole. So if you have a million set aside, there has to be an additional $100,000 to $200,000 at hand. That will serve as payment for permitting fees and your structural engineer, architect, civil engineer, as well as other consultants.

Consider the Land

As previously mentioned, you will have to buy the land that the custom home of your dreams will be built on. Is it sloped or flat? How will that affect your dream home design as a whole? 

Be sure to research the zoning limitations of the area where the land is. Look into whether there are utilities onsite and, if not, whether you will be able to connect to city utilities. Otherwise, there’s going to be a lot of things you might have to get done:

  • Drill a well
  • Add a septic tank
  • Add a propane tank
  • Bring in power lines

The more sloped and raw land is, the more expensive development will be overall. A good rule of thumb is to get a local contractor on board to visit the site. They will be able to give you a rough idea of construction costs, which will help with the budget.


There are more options when it comes to becoming a homeowner nowadays. Aside from the traditional developments, it’s also possible to get custom build homes. The latter allows for full customization of every single detail.

Need to speak with a custom home builder for your dream home to come to life? Reach out to Banner Custom Homes today! We’ve got decades of experience in residential household design, home construction and general home contracting.