One of the first questions every client asks us is: “How much will it cost to build my home?” The honest answer is that it depends — but we believe you should walk into that conversation with real data, not vague ballparks. So here’s a look at two actual custom home builds, broken down category by category, to show you exactly where your investment goes.

Two homes, two budgets, total transparency

The examples below represent two finished Hillco custom homes at different scales. Both are full custom builds with high-quality finishes, professional contractors, and no shortcuts. The difference in cost per square foot might surprise you.

Where does the money actually go?

Every custom home budget covers dozens of line items. Here are some of the major categories that show up in both builds, so you can start thinking about where your priorities lie:

• Foundation & footings 4–4.3%
• Framing 3.7–6.2%
• General contractor fee ~12.7–12.8%
• Electrical 5.9–6.5%
• Plumbing 2.4–2.7%
• HVAC 3.2–3.7%
• Cabinets 5.6–6.4%
• Masonry & stonework 3.5–4.3%
• Roofing 1.7–1.8%
• Sheetrock 1.3–1.5%

What this means for your build

No two homes are exactly alike, and your final cost will depend on your lot, your selections, your square footage, and the specific finishes you choose. What these examples show is that a thoughtfully managed custom home can be built for $150–$180 per square foot under roof — and that a larger home often delivers better value per square foot than a smaller one.

At Hillco Custom Homes, we walk every client through a detailed pre-construction budget before a single nail is driven. You’ll see every line item, understand every cost, and make decisions with full confidence. That’s what building custom should feel like.