The cost of plywood and waferboard is at a very high price right now... adding as much as 10k to the price of a home. It's expected to go down in november. Thus, your price will vary greatly just on when you commit to building. 100k seems awfully high for a starting price for that size house. (since it doesn't include the land). But, labor costs also depend on the area. Personally, I'm planning on a similar sized house, but don't expect to pay more than 60 or 70k, including 40 acres of land... I'm doing 90% of the construction myself (or with family or friends), and I'm doing it over a 3 or 4 year period to avoid having to finance much. (if any of it)