Total cost for a 190 sqm house (flat plot, without basement)

20k is too high, that is no longer a standard for a long time. For that, you have to go for very expensive fronts/handles, appliances, and countertops in the mid-range. Our kitchen (Leicht, just under 8 linear meters, compact countertop, induction, Berbel, etc.) is at 17k.

Yes, it's also a matter of the size of the kitchen. We have 7m plus a cooking island from Schmidt, normal countertop, and Miele with induction and were at 19. Of course, Schmidt is already upper mid-range, but with 12 it also gets tough at Nolte and Co. You have to go more to the cheap ones, which I do not recommend for a single-family house. Unless you don't care about the kitchen...