Free Calculator

Construction Cost Estimator

Pick a finish level for a starting cost per square foot, then adjust it for your local market. Square footage × cost per square foot, plus a contingency buffer — a rough number to sanity-check before you get real bids.

Square footage

sq ft

Finish level — sets a starting cost per sq ft

Cost per sq ft — Editable

Regional adjustment — +/- your market

Contingency — Common buffer

Estimated construction cost

$423,500

$175 / sq ft × 2,200 sq ft, plus contingency

Adjusted cost / sq ft: $175
Hard construction cost: $385,000
Contingency: $38,500

Apply for financing

Estimate only. Construction cost per square foot varies enormously by region, site conditions, labor market, and material costs at the time of your build — the finish level presets here are generic industry starting points, not a quote or a market claim specific to any area. Get bids from local contractors for an accurate budget.

Next Steps

Once you have a project cost, size your loan and your draws.

See how much you could borrow against that cost Break that cost into a draw schedule