Assessment New Construction 2025/2026 - BW Rural Area

Thank you very much for the controversial discussion and the exciting suggestions, which I had hoped for due to the contribution in the forum. I think it is good and sensible to create a list once and then use it as a basis for exchanging experiences with others. Therefore, thanks for the feedback.

However, it is not the case that we are building a house for 750 TEUR, but this is the total sum where I have tried to factor in everything as much as possible. The attentive reader will also have noticed that the sum (Provider 2 in the Excel screenshot) is at 737 TEUR. The 737 TEUR already includes a buffer of 10%, i.e. 58 TEUR. Without the buffer, we are therefore at just under 679 TEUR. In my opinion, 35 TEUR should also be sufficient for the outdoor area, since the plot does not have a slope or similar and part of it can be done by oneself. Also not yet considered are any own services which could possibly also have an effect of -20 TEUR. A few years ago, we completely gutted and rebuilt our apartment by ourselves, so I would trust myself, for example, with painting, laying floors, etc. Overall, however, it was important to me to calculate with a corresponding buffer. It is therefore quite possible that we will ultimately end up at around 650 TEUR including demolition etc.

I cannot quite understand the statements that we are building an "exaggerated place" here. In our district, houses from the 70s are sold for 400 - 600 TEUR—and much renovation is still required there. Realistically, in 2025 it is difficult to build for under 500-600 TEUR (and yes, we have talked to many providers of prefabricated houses, solid houses, etc., and even among acquaintances and friends, no one was able to realize this below the stated amount—mind you, no one built a huge place but everything in the range of 140-160 m²).

If we somehow manage to get the monthly rate towards 2,300-2,400 € and end up at around 675 TEUR, I would consider the project realistic. Construction prices, ancillary construction costs, craftsmanship services, etc., have risen massively in recent years. Of course, we considered saving for a few more years to have more equity—but presumably, this balances out with the continuing rising costs.

Realistically, it is hardly possible to build under 500-600 thousand euros in 2025

That is not true.

no one built a huge house but everything in the range of 140-160 m²).

And THAT is exactly what determines the final price. 160 sqm "have to" be the standard nowadays. Then, plus the upscale desires, you also cannot build cheaply. Not a big deal. You just have to be able to afford it. But it is simply wrong that you "have to" spend exorbitant sums on a house. The family of four also manages well in 125 sqm including a study. Nobody who seeks support here wants that though.

That's not true. And THAT is exactly what determines the final price. Nowadays, 160 sqm "have to" be the standard. Then, on top of the upscale wishes, you can't build cheaply either. It's not a big deal. You just have to be able to afford it. But it's simply wrong that you "have to" spend horrendous sums on a house. A family of four can manage well with 125 sqm including a study. It's just that no one seeking support here wants that.

The cheapest house with the size you mentioned, 125 sqm, costs 270,000 EUR from the provider we listed. That is exactly 100,000 EUR less than the building listed in our price list as the base price. The surrounding costs should not change significantly, so we would still be at a total sum well over 500,000 EUR for the overall project. By the way, the provider is a completely normal prefabricated house supplier. So I will gladly stick to my opinion that spending under 500,000 EUR in 2025 is hardly possible.

That is exactly 100,000 EUR less than what we have on the list

You pay 450€ less every month. Then trade the double garage for a carport, give up a few more extras, etc., and you don’t have to finance another 50-100k. That’s how the amounts add up.
That’s my point. You can build cheaply. Then you get subsidies because you earn little, and that works out for most people. Excluding metropolitan areas with very high land prices.

Indeed, it makes sense to plan things in a differentiated and targeted manner to avoid ending up with a scattergun-like development. For example, we completely gave up on some things but afforded others that were important to us. If you’re not careful, 100,000 can quickly be gone and the house is not noticeably better or more beautiful because of it. Therefore, you have to find out for yourself what is really important to you and what isn’t, and that is precisely the problem with the constant bombardment from the environment, house providers, builders in your circle of acquaintances, etc.; the supposed necessities and prices add up accordingly. What seems indispensable to one person can possibly be completely omitted by another. For example, in our first house, I had neither garage nor carport and lived well there for 25 years; today I have a simple wooden carport. The same applies to the upgrades in bathrooms, kitchen, etc. Here too, you can achieve much more with imagination than with financial upgrades alone. For us, a heating fireplace and wooden floors were important, so there was no heat pump or underfloor heating, but instead an air conditioning system. I like it when you equip selectively and with high quality where you personally perceive a noticeable added value and simply omit other things (for us fences, elaborate but not really more beautiful garden landscaping, up to expensive mailbox systems, cameras, KNX, automation and other stuff). Mediocrity in everything would never be my choice; rather, implement wonderful/high-quality things here and there and otherwise equip mainly in a functional basic way. What I have read from you so far sounds understandable to me and by no means pretentious (don’t be annoyed by individual, biting remarks – people here in the forum are familiar with their origin); you are still searching for your personal way and it would be surprising if you already had a flawless concept (which nobody has, even after several projects).

The attentive reader will also not have missed that the total (provider 2 in the Excel screenshot) stands at 737 TEUR. The 737 TEUR already includes a buffer of 10%, i.e. 58 TEUR.

The attentive reader, meaning the one who is dealing here with future homeowners and house building costs, also knows what is very likely not included in the BLB and thus a buffer is quickly used up.
Moreover, in the rare cases that a house builder would actually trust themselves to do exactly this

e.g. painting, laying floors, etc., by themselves. In any case, it was important to me to calculate with a corresponding buffer.

this is not included in the BLB, so the buffer is additionally eaten up by the own contributions you mentioned, meaning materials, equipment, and possibly the double burden after final acceptance and the time needed for the own contributions. Painting or even wallpapering a house, possibly with puttying and sanding the walls, is not something you do in a week. And where helping hands are involved, money has to flow again.

I can’t really understand the statements that we’re planning an "excessive mansion" here.

Well, you only see your calculation or your table. The attentive readers and respondents have been following the market for several years, have built themselves (multiple times) and actually started rather small at exactly the age you are at.

You set the standard that it must be just under 160 sqm, that you want to pay less than €2,500 in installments and that you want to keep saving on the side with your salary — not us. The bar is very high. Not only the house but also the circumstances.

Honestly, I have never read that anyone spends €10,000 on fly screens. My three windows (out of about 20), the ones for ventilation if necessary, have nicely taut, manually installed fly screens for €5.95, which you don’t see from outside or inside. And when you read about the €10,000 extra, I want to doubt that there aren’t even more such planned and overpriced gadgets that make the house unnecessarily expensive. The 160 sqm are also rare in this neighborhood.

It’s not a big deal. You just have to be able to afford it.

There are plenty of building enthusiasts who can only afford a terraced house or duplex with less land and living space, only to maybe look for something else later if more children really come or if they want to downsize.
I agree with the post by that many nowadays want to measure themselves by a flagpole that is actually too high for them. In other words: the equity capital is not enough and thus does not fit the dream house.
Now this forum is a bit more realistic and not intended for Sims or Instagram houses. If you can afford it: fine!

Maybe read some more threads from users who come here with a similar question.