How much does it cost to build a home in Florida?
Reference market: Central Florida (Orlando metro). Build a planning range from your living area, garage, covered outdoor space, build level, layout, and upgrades. This is an early budgeting tool, not a quote.
Home size
Total living area in square feet
Build level
This choice sets the structural systems, roof, and exterior. You can customize the interior at every level.
Bedrooms and bathrooms
Bedrooms and baths help us understand your plan. They don't change the range.
Design complexity
Choose the option that best matches the rooflines, structural spans, and layout you have in mind.
Garage
Choose the garage size you want included. Garage area is calculated separately from living area.
Covered outdoor space
Add the approximate covered lanai or rear patio area. This is calculated separately from living area and paver finishes.
Additional features
Select any upgrades you would like included in your planning range.
We'll review your configuration and follow up within 1 business day.
This is an early Central Florida planning range, not a quote. Land, financing, permits, utilities, unusual site conditions, and owner changes are not included. Coastal and flood zone projects typically cost more. A formal proposal follows plan and site review.
Estimated monthly payment
If you own your lot, its appraised equity may reduce or replace the cash down payment required by a lender. The amount depends on the appraisal, total project cost, borrower qualifications, and loan program; it is not guaranteed.
We use the difference as estimated lot equity. Your lender will confirm it after appraisal.
Enter a dollar amount, or use 10% or 20% as a quick starting point.
Based on the planning midpoint and your cash down payment. Lot equity may help meet lender requirements.
Default example rate: Freddie Mac PMMS, September 24, 2026. Edit the rate to model another scenario.
During construction, many programs charge interest only on funds already disbursed. Timing and payment structure vary by lender and loan terms.
*Estimate for illustrative purposes only. Does not include property taxes, homeowners insurance, or HOA fees. Contact a lender for exact rates and qualification.
Included in every build
- Permit processing and engineering coordination
- Full construction management
- Standard slab foundation
- All inspections
- Final walkthrough
- One year builder warranty
- Licensed GC (CGC #1537163)
- Design team guidance
Not included: Land/lot cost, government permit and impact fees (billed at cost), well/septic (if not on city utilities), land clearing, fill, or tree removal, stem wall or elevated foundations, pool, fencing, window treatments.
Every BuilderK home includes a one year builder warranty covering workmanship and materials, in addition to the structural protections Florida law provides. Full terms are provided in your construction agreement.
Ready to build? Let's talk numbers.
Get a detailed, personalized quote based on your lot, your plans, and your vision. No obligation.
Get my free consultation