Building vs 买房: Which is more cost-effective?

建房还是买房是许多潜在房主都会遇到的问题. The financial implications of each option can be significant, making it a key consideration in the homeownership journey.

Building a new home

建造房屋为您提供了根据您的具体需求和愿望进行定制的机会. However, it's important to underst和 the costs involved. Homeadvisor reports that, on average, the cost of building a new home in 2022 in the United 状态s was a little over $300,000. This estimation is for a typical stick-built home, 但重要的是要知道，其他房屋建筑的选择可能在成本上有所不同.

Stick built homes

木结构房屋是一种传统的建筑方法，房屋全部或大部分是在现场建造的. 根据 Homeguide, 2023年，不包括土地成本，一套木结构房屋的平均成本为每平方英尺100至155美元. 根据设计的位置和复杂程度，成本可能会上升.

Concrete block homes

另一方面，混凝土砌块住宅提供了一种更节能、更耐用的选择. 这些房屋是用混凝土砌块建造的，通常填充有钢筋等增强材料. 根据 Homeguide在美国，它们的平均价格在每平方英尺110美元到250美元之间. Aside from their durability, they also provide better insulation, potentially reducing energy costs in the long run.

Prefabricated homes

Prefabricated homes, also known as prefab or modular homes，是传统木结构或混凝土砌块房屋的替代品. 它们在现场外建造，然后运送到所需的位置. 根据 Homeguide, 完全安装的预制房屋的成本从每平方英尺80美元到160美元不等, not including l和 or site development costs. 这种经济高效的选择可以提供更快的施工时间和更少的现场中断.

Other building expenses

在考虑建造房屋时，还需要考虑其他成本:

• 土地
• Site preparation
• 许可证
• 公用事业公司
• 景观

Buying an existing home

One of the benefits of 买房 is convenience. An existing home may be move-in ready; you do not have to wait for months to move into your house as you would need to with a newly built home. 现有住宅也可能带有成熟的景观和成熟的社区, offering a sense of community. 此外，这些房子往往有独特的魅力和性格，许多人觉得很有吸引力. 通常, 与建造新房相比，现有房屋往往更便宜, making them a more affordable option.

建造新房与购买二手房的其他考虑因素

在比较买房和建房时，有几个因素需要考虑. 一个新的家允许定制，以满足您的特定偏好和需求. Whether it's the layout, the number of rooms, 或者带有车库或现代厨房等特殊功能, 建造自己的家意味着你可以完全按照自己的意愿设计它. 另外, 新房子通常更节能，最初需要的维护也更少，因为一切都是新的. 然而，这需要更高的代价和更多的时间.

相比之下，虽然购买现房可能会节省成本和时间，但它可能需要更多 保养 而且可能没有一些房主想要的现代布局或功能.

决定是买房还是建房取决于几个因素. These include your budget, preferred construction materials, desired location 和 specific needs. 了解这些不同建筑方案的成本影响可以帮助您做出最适合您的财务状况和生活方式的明智决定.

After you have decided which option might fit you best, 和 begin to look for financing, we have some information about fixed 和 adjustable rate mortgages 和 private mortgage insurance that can help you through the process. And keep in mind, t在这里 are typically hidden costs that occur with the home buying process.

Last, but not least, don’t forget to make insurance changes for your new home 和 also consider contacting a 状态 Farm® agent to learn about different homeowners coverage options or potential for insurance bundling.