How Much Does It Cost to Build a House in Florida?

Typical Range:

$240,000 - $350,000

Find out how much your project will cost.

Cost data is based on research by HomeAdvisor.

Updated December 15, 2021

Written by HomeAdvisor.

The typical cost to build a home in Florida ranges from $240,000 to $350,000, with an average of $295,000. Factors that influence the cost of building a new home include the location, your home size, and unique features.

2021 Notice: Material Prices Are Surging

Demand for siding and other building materials has grown over the past year. And, as a result, manufacturers are increasing materials prices. Prices have gone up 5% to 10% this year, and many parts of the country are experiencing long delivery times. If you're planning a building project, we recommend starting as early as possible in the season, preparing for potential price fluctuations, and allowing extra time to order materials.

Average Costs to Build a House in Florida

Average$295,000
High$350,000
Low$240,000

Florida House Material Prices

Materials make up about 50% of the total cost of building a house, for an average of $147,500 when building a new home in Florida. For example, installing hardwood floors or stone veneer siding can increase your total materials price.

MaterialPrice
Lumber$25,000 – $65,000
Concrete$1,000 – $10,000
Drywall$10 per sheet
Flooring$1 – $5 per square foot
Siding$2 – $15 per square foot
Insulation$0.10 – $1 per square foot
Roofing$1,000 – $3,000 total

Florida House Labor Costs

Labor accounts for about 40% of the cost to build a new home, for a total of about $118,000. This includes the cost to build the physical structure of your home, as well as work performed by professionals like plumbers, electricians, and roofers. Some of the average labor rates to build a house include:

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Florida House Costs by Type

From modest cottages to seaside mansions, Florida house costs vary depending on the type you’re looking for.

  • Luxury: $150 per square foot

  • Average: $110 per square foot

  • Minimum standard: $60 per square foot

Florida House Costs by Style

The cost to build a home in Florida also varies depending on the style of home you choose. Common options include modular, Mediterranean- and Spanish-style, and ranch-style homes.

Modular Homes

The average cost to build a modular home is about $180,000 to $360,000. Modular homes are built in a factory almost to completion and then shipped to the final destination and are often less expensive than traditional homes because they require less labor and customization. However, costs can vary depending on the size and complexity of the house in question.

Mediterranean- and Spanish-Style Homes

Mediterranean-style homes cost an average of $60 to $150 per square foot in Florida, or about $82,500 to $206,350. These homes bring in elements from European architecture, like tiled roofs and stucco walls. They’re a natural fit for the Sunshine State, which shares many of the environmental conditions as the Mediterranean, including warm weather and its proximity to the water.

Ranch-Style Homes

Ranch-style homes typically cost $100 to $200 per square foot, or about $137,500 to $275,000. These homes are all on one level, making them easy to navigate for all ages. However, larger ranch-style homes may require additional foundation support since they have a bigger on-the-ground footprint.

Florida House Costs by Square Footage

It costs about $110 per square foot to build a new home in Florida. However, this cost can vary widely, with a range of $60 to $150 per square foot on average. The average home in Florida is about 2,700 square feet.

Florida House Costs Near You

Florida home costs also vary based on its location within the state. Below is a brief list of some average costs.

CityAverage Cost
Miami$558,333
Orlando$177,500
Tampa$421,250

Florida House Cost Factors

Factors that influence the cost to build a house in Florida include where you live, the size of your home, and any special materials or features you include.

Location

Building homes in areas with a higher cost of living is more expensive. For example, if you’re planning on building a home in a more populated city like Miami or Orlando, you can expect to pay more than if you were building a home in a more rural location with a lower cost of living. Depending on the location, some houses also require stronger building materials like concrete to protect against hurricanes. Areas including Southeast Florida, the Key West, and the Florida Keys tend to be especially hurricane-prone.

Size

It costs about $110 per square foot to build a Florida home. Unsurprisingly, home size is one of the main factors that influence the cost of building a new home.

Permit

Building permit costs vary widely depending on the particular location, but it generally falls between $10 to $500. You'll need to secure a permit before you can begin constructing your Florida home.

Land

If you plan to build a house rather than buy one, you’ll still need to purchase the land for your home. Land tends to come at a premium in high-density areas like cities, while rural sites tend to be more affordable. In addition to the small lot that your home sits on, you may want to purchase a larger plot of land for increased privacy or to maximize your available outdoor space.

Finishings

After you complete the basics of your home, you may want to pay extra for additional internal and external finishings, like custom paint jobs, appliances, and other accessories.

Special Materials or Features

Part of the appeal of building your own home is you can design it from scratch with an eye to special details and custom features that meet your needs. However, these customizations can add to the total cost of your home.

DIY vs. Hire a Housing Pro

In most cases, it's a good idea to hire a professional contractor to build your Florida home. Unless you're seriously handy and experienced with construction, it's not only safer but also more efficient and ultimately less expensive to let a professional handle the construction process. This can help you avoid costly mistakes and ensure everything is done correctly. Get in touch with a home builder near you to discuss your options.

Before you can build your dream home, you'll need to find and hire a good home builder. To ensure you find the best contractor to meet your needs, interview and get quotes from several companies before deciding. Before you embark on building a home, know what important building questions to ask about material types, special features, and design options.

FAQs

Is it cheaper to buy or build a home in Florida?

Whether it's cheaper to buy or build a home in Florida depends on the size and location of the house in question. While it's slightly more affordable to buy a home than to build one from scratch, building a home can sometimes be a better deal given the competitive housing market. On average, building a new home costs about $295,000 in Florida.

How much does it cost to build a concrete house?

The cost to build a concrete house ranges from $204,000 to $416,000. Concrete houses tend to be more expensive than homes built with other materials, but they're also more energy-efficient.

How much does it cost to build a metal house?

The cost to build a metal house is about $73,000 to $228,000. Metal homes tend to be relatively affordable and are also fire-resistant compared to wooden ones.

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