Building a house with 300,000€ is possible

Who says you have to live in the city to work?
I prefer to drive half an hour to work by car and live more quietly in return.
I also worked for a time in Munich but lived in Oberschleißheim.
The colleagues who lived directly in Munich often took longer with the S-Bahn and a few hundred meters on foot plus waiting time than I did.

That’s a point I always have to explain to many people. Currently, I still live in Hannover and work just before Braunschweig (60 km commute). For that distance, I usually only need 30-40 minutes... Some colleagues who come directly from Braunschweig need over 30 minutes by car for just 10 km commute! The traffic volume there is enormous.

Even better:
My wife, who lives and works in Hannover, takes exactly as long by public transport for her 6 km commute as I do for my 60 km. When our house is finished at the end of April, and we will live 30 km away from her workplace in the Hannover metropolitan area, she will still mysteriously need 30 minutes by public transport.

It’s nice to finally read someone who has the same experiences regarding time for commutes. You don’t necessarily save one hour every day just because you live in the city. Generalizing is wrong here. You have to look precisely at the transport connections. When, where, and how do the buses/trains run, where can you get through quickly by car in the morning, or not, etc.

I have to agree with Pandrion. Currently, I live in the city center and only 10km from my workplace in the nearby industrial area. The future home will be built in a small village, 35km away.

When I drive from the city center to work at half past five in the morning, of course I get there faster, there’s nothing going on on the roads. Almost 10-12 minutes and I’m in the office. From the construction site, I would need about 25 minutes.

In the evening, however, when traffic in the city reaches its peak again due to construction sites, accidents, and heavy traffic, it looks completely different. I have the choice to either leave very early or work late into the evening. If I want to go home between 4 and 6 pm, I inevitably get stuck in traffic. At that time, I still only need just under 25 minutes to get to the future home via the highway. Just last Friday, everything was congested again towards the city center from 2:30 pm. It cost me nearly 40 minutes and an unhealthily high blood pressure to get through the trip.

I’m glad when I live in the countryside again and no longer have the stress in the evenings.

I have to agree with Pandrion. At the moment I live in the city center, only 10km away from my workplace in the nearby industrial area. The future home will be built in a small village, 35km away.

If I drive from the city center to work at half past five in the morning, I obviously arrive faster since there is hardly any traffic on the roads. Basically 10-12 minutes and I’m at the office. From the construction site it would take me about 25 minutes.

In the evening, however, when due to construction sites, accidents, and heavy traffic the city traffic peaks again, it looks very different. Then I have the choice to either leave very early or work late into the evening. If I try to go home between 4 and 6 pm, I inevitably end up in a traffic jam. At that time, the trip to the future home only takes just under 25 minutes via the highway. Just last Friday from 2:30 pm everything was congested again heading into the city center. The drive cost me almost 40 minutes and an unhealthy high blood pressure.

I’m glad when I live in the countryside again and don’t have the stress in the evening anymore.

And the undoubtedly fresher air comes free of charge. Although the air in cities is partly significantly better thanks to cleaner cars, you can still smell the exhaust fumes, especially when there’s a traffic jam. Not to mention the noise; in our residential area, people are now almost annoyed if three cars pass by on a Sunday between 7 and 8 a.m., which you can hardly hear with the windows closed. Also constantly new construction sites in the cities, but whoever needs that. As I said, I can still understand it in younger years or as a student, but no longer from mid-30s to 40, when you have a family and want your child, for example, to be able to play outside alone without having to be afraid right away.

Hello,

back to the basic question: "Is it possible to build a house in the Stuttgart region (!!!) for €300,000?" In general: yes. But it depends on where. You are more likely to find an affordable plot in the Stuttgart region outside the city and a bit away from the highway/rail lines, for example in the Rems-Murr district or further out. But for example Rems-Murr district: Here, for instance, in Welzheim, Murrhardt or Auenwald, there are currently still building plots from the municipalities. The advantage is that there is no commission. The price per m² is between 160 - 300 euros, which is very cheap for us. You can calculate for yourself what 300 m² comes to. Note: Depending on where you work, of course, higher travel costs await you. No one knows how tax benefits for commuters will look in 1, 5, 10 or 20 years.

With additional costs, about 100,000 are gone. Remaining budget 200,000. That will probably be quite small, but possibly feasible without a basement and in a simple design. And add a buffer of at least 10% to that price. And do not finance the 200,000 too tightly, you should still have room to breathe. There are plenty of online calculators like "What can I afford?" and similar. Before that, honestly observe the daily expenses for a few months, list the annual bills, and then see what comes out.

Best to ask a creative architect.

#link removed by moderation

P.S.: There are also books with titles like "Dream Houses under €250,000" with suggestions. Just ask Amazon.

So Peanuts74 and co. but your argument cannot be right. That is completely illogical. If it takes me 30 minutes to get from A (home) to B (work) within the city and also 30 minutes from outside (C)... then C must be located completely elsewhere than A. But if C is located completely elsewhere... and I now live within the city coming from direction C, then the commute to work here should actually be significantly shorter.

Conclusion: Your argument is nonsense.

The fact is: Both have advantages and disadvantages. Outside the city I usually need two vehicles and that involves extra costs. As soon as the children are bigger (but not big enough) they probably want to participate in some leisure activities. Music, sports, etc. In other words, they have to be driven around. And so on...

But of course there are also many advantages: green, quiet, price, price!, price!!! etc. No question. We have dealt with the topic "Move out or not" for almost 3 years. "Move out" means village for us. It was about a price difference of around 250,000 EUR for the property. We then decided on the city and to this day I still find the cost for the property way too high. So why the decision? Two decisive reasons:

1. Location, location, location and once again: location. Possible resale in 10, 20 or 30 years is hopefully completely relaxed and unproblematic for us. In the village it already looks very different now. Currently our land is already worth more than at the purchase almost 1.5 years ago. Ok... that is of course a special time and no one knows how development will continue.

2. We talked to children (between 8 and 15)... from the city and from the "village". And what was the unanimous result? Children don’t care about “village.” Children want friends nearby and to play and quickly get to clubs and comfortably to school. Not a single child told me “it’s so nice and green and quiet here.” It looks really bad with teenagers. They obviously don’t want to live in the village either. What I actually want to say with this is: If “village,” then for yourself. Not for the children.