Tool

Reverse Calculator

Know your budget? Find out exactly how much house you can build. Adjust state, style, and quality to see your options.

Your Total Budget

$100K$2M

State

Home Style

With $400,000 in Texas (Two-Story style)

2,450 sq ft

of mid-range construction at ≈$164/sq ft

State multiplier

0.92×

Style modifier

0.95×

Effective $/sq ft

$164

Estimate only. Does not include land, permitting, landscaping, or design fees. Add 10-15% contingency for cost overruns.

How to Use Your Budget Wisely

The reverse calculator shows construction costs only — not land, permits, architect fees, or landscaping. Budget an additional 30–45% beyond construction cost for total project delivery.

$300K Budget

Builder-grade2,100 sq ft

Mid-range1,550 sq ft

Premium1,100 sq ft

*National average; state multiplier applies

$500K Budget

Builder-grade3,500 sq ft

Mid-range2,600 sq ft

Premium1,900 sq ft

*National average; state multiplier applies

$750K Budget

Builder-grade5,200 sq ft

Mid-range3,900 sq ft

Premium2,900 sq ft

*National average; state multiplier applies

Figures above use national average construction costs. Use the calculator to adjust for your specific state.

Cost data: RSMeans 2026, NAHB Cost of Constructing a Home. For planning purposes only — get professional quotes before committing to a budget.