UK House Construction Cost Calculator (2026) | Instant Estimate

🏗️ House Build Cost Calculator

Instant, region-accurate 2026 estimates — with full cost breakdown

Property basics

Floor area

Unit

Region Greater London South East England South West England Midlands East of England North England Scotland Wales Northern Ireland

House type Detached Semi-detached Terraced Bungalow (single storey) Self-build / Custom

Storeys

2

Quality specification

Budget

Standard

Premium

Luxury

⚙️ Advanced options (site, energy, fees, VAT…)

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Ground / site conditions Easy (flat, good soil) Average (some slope/clay) Difficult (steep/poor access)

Energy efficiency level Standard building regs EPC A-rated / high insulation Passivhaus / net-zero

Contingency buffer 5% (low risk) 10% (recommended) 15% (complex project)

Land cost (optional)

Demolishing existing structureRemoving an existing building first

Structure area to demolish (m²)

Site access Easy (open access) Average Difficult (tight/terraced)

New utility connectionsWater, electric, gas & drainage from mains

Site type On mains (typical plot) Long run from road / rural Off-mains (septic/private supply)

Professional feesArchitect, structural engineer, QS (~12%)

Planning & building regsApplication + regs fees

Renovation / extensionAdds 20% VAT (off = new-build, 0% VAT)

Mortgage / loan estimateShow monthly repayment based on deposit & rate

Deposit 10% 15% 20% 25% 30% 40%

Interest rate (APR)

Loan term 15 years 20 years 25 years 30 years 35 years