Staying Within Your Budget: Custom Homes Starting at $120K

     

    I recently met with a realtor that we’ve had a successful referral relationship with for over five years. His team has sent us families who wanted something truly different, and we’re currently working with two of those referrals right now.

    While talking with the broker, he was surprised to learn that we customize homes starting from just $120,000 and up. He couldn’t believe we were designing and building homes that are both affordable and efficient in that price range. No other builder in our area is doing that—and it matters for families who want more than cookie-cutter plans.


    Why Staying Within Your Budget Matters

    Most builders give you a few pre-made plans to choose from. If you want changes, you’ll likely be directed to an architect. While architects are creative, they’re not focused on construction costs. Their goal is function and design—not keeping your dream home within reach.

    That’s where homeowners often get stuck. Beautiful drawings turn into projects that are tens of thousands of dollars over budget. At Turner & Son, we believe the design should never outpace your budget. Instead, we work backwards from what you want to invest, shaping a home that is both functional and affordable.


    Builders See Cost Differently

    There’s a saying in our industry: “Every problem is solved by adding square feet.” Architects and designers often lean on that approach—but every extra foot adds extra cost.

    As builders, we see the trade-offs differently. We focus on the features you value most and find smarter ways to make them fit without overspending. That might mean adjusting a layout, refining finishes, or repurposing space creatively.


    Staying Within Your Budget While Going Custom

    What sets Turner & Son apart is the scope of customization we offer without inflating the price. Other builders might design from scratch but then tack on a hefty premium. We take pride in giving families with any budget—from $120k to $600k—the chance to have a say in their home.

    A budget shouldn’t determine whether you deserve a home tailored to your lifestyle. Our team specializes in designing homes that balance personalization with affordability.

    Ready to see what’s possible within your budget?

    We’re proud of the fact that we build homes at an affordable price point—starting at $120k—without forcing you into “standard” plans that don’t fit your life. Whether you’re a young family, downsizing, or building your forever home, we make sure the process is transparent, budget-focused, and stress-free.


    Don’t let cost keep you from the home you’ve always imagined. At Turner & Son, we’ll show you how to maximize every dollar without sacrificing the features that matter most. Your budget deserves respect—and your family deserves a home that fits.


    Is $200,000 enough to build a house?

    Yes, $200,000 can be enough to build a house, depending on size, location, and finishes. With the right builder, you can maximize space, prioritize essentials, and keep your project within budget.

    Should I tell my builder my budget?

    Absolutely. Being transparent with your builder about your budget helps them design a home that meets your needs without pushing you into unaffordable plans.

    Do custom home builders negotiate prices?

    Some builders may negotiate, but the real savings often come from design choices, efficient layouts, and smart material selections. A good builder shows you how to stretch your budget without cutting quality.

    What should you not skimp on when building a house?

    Don’t cut corners on structural integrity, energy efficiency, or quality materials in high-use areas like kitchens and bathrooms. These decisions protect your long-term investment and save you money over time.

    2 minute read