If you already own a lot, the biggest question is simple: “How much will it cost to build my house—total? The most accurate answer comes from breaking your budget into (1) construction cost   (2) outside-the-contract costs   (3) contingency . This guide gives you a realistic budget range  so you can plan without surprises. A safe way to estimate your total  budget is: TOTAL BUDGET = Construction Cost + Outside Costs + Contingency Most lot owners should plan: Construction cos