What Does a New Home Cost?

As you begin planning your new home, Big Prairie Homes wants you to be aware of every potential cost that you may have. Purchasing a home is a large expense, so it's important that you have a total, accurate picture of your home building costs.

The home prices listed on this site -- Modular Plans and Prices and HUD Plans and Prices -- include the base model home, transported to your home site within Big Prairie's service area. set up and finished on your foundation. Many plans also include kitchen appliances. 

As part of the building process, you may need to factor in costs for some of the following items. For projects within 60 miles of our Kearney office, Big Prairie Homes offers an additional service of general contracting. We can oversee the subcontractors for you and manage your project as your general contractor, reducing hassle for you.  For projects farther away, or if you prefer to be your own general contractor, we provide you with the steps and information that you need to organize that work for yourself.

Costs that May Be Involved in the Building of Your New Home

  • House:  Modular Plans and Prices and HUD Plans and Prices 

  • Land

  • Basement or crawl space foundation

    • If basement, stairs that will be constructed on-site

  • Connection to electric service

  • Connection to city water/sewer

  • Septic tank (if no city water/sewer)

  • Well (if no city water/sewer)

  • Building or zoning permit

  • Front steps

  • Porch (if desired)

  • Sidewalks and driveways

  • Culvert for driveway

  • Gutters

  • Garage built on-site (if desired)

  • Back deck

What is a Modular Home?

Modular homes, sometimes referred to as pre-fabricated, systems-built or factory-built homes, are constructed in an indoor factory setting. Modular homes are built to the same building codes as site-built houses. A modular home can be a ranch, two-story home or Cape Cod floor plan.


Many modular homes are built in sections that are sometimes called boxes. These sections are built in a climate-controlled factory using construction methods that reduce waste both in materials and in time. The completed sections are moved to a home site where they are assembled on a foundation. Modulars can be moved by crane or rolled onto a basement foundation or crawl space. Carpenters then finish the roof and tie the home together inside and out. Once complete, it's hard to tell where the two sections came together.

Modular building methods are equal to--or superior to--on-site construction. Because they are built indoors, building materials aren't exposed to the elements. The craftsmen work in the same location each day, so they have access to all the necessary tools and materials to build.

One benefit of modular construction is the quick time to completion. Homes can often be completed in a couple of months, instead of the better part of a year. That's because modular construction isn't hindered by weather or delays caused by scheduling tradesmen and inspections. Since the homes are built in a factory setting, carpenters have the materials they need on-hand and don't waste time waiting for delivery of those items.


Once finished, your modular home is a permanent structure and qualifies for the same financing terms, rates and conditions as stick-built homes.

What is a HUD home?

A HUD home is also known as a manufactured home and is built to the Manufactured Home Construction and Safety Standards (HUD Code). A HUD home is built inside a factory-setting and is transported to its home site. These homes are built onto a permanent chassis for future transport.

The national HUD code has improved the quality and standards of today's manufactured home, making them safer, more comfortable and more durable. A HUD home will display a red certification label on the exterior of each transportable section. HUD homes do not qualify for traditional mortgage financing.