A Guide to Building Your Dream Home in Minnesota

Everybody has a few ideas that spring to mind when it comes to picturing what their dream house would look and feel like. Whether it’s a big and beautiful backyard perfect for hosting weekend get-togethers on the patio or designing an open-space kitchen that rivals any nearby fine dining restaurants, there are endless possibilities when it comes to daydreaming the details of your ideal home. 

But what if building your own dream home wasn’t as impossible as it sounds like it’d be? What if building your own home was easier than you assumed it’d be? 

As the biggest housing development company in Southern Minnesota, we know a thing or two about helping our fellow Minnesotans build their dream home. But while building your own home might be easier to do than ever, it still takes plenty of time, money, and energy to invest. 

If you’re seriously considering building your own house, here’s our go-to guide for what you need to know when it comes to building your dream home in Minnesota! 

Step #1: Start Considering Costs

Ah, yes, money. What else would hold you back from building your very own dream home? Before you assume that there’s no way you can afford to build your own house, let’s at least take a step back and assess what you’d hypothetically be spending before you cross it off your bucket list! 

Preparing yourself for upfront expenses and long-term savings is an essential part of planning for building your dream home. According to recent statistics, the average cost to build a home in Minnesota is anywhere between $180,000 to $600,000, depending on size, type, materials, and location. 

While generally speaking, it’s usually cheaper to buy an existing home upfront, there are a variety of factors that can make building your own home cheaper in the long run:

• Building a new home is often made with energy-efficient building materials, meaning your utility bills will be lower in the long run. 

• Building your new home generally means fewer repairs and fewer maintenance costs over time. 

• When it comes time to sell your home, you can expect a better return for a home you built compared to a house you bought. 

Step #2: Start Assessing Your Budget & Lending Options 

Once it becomes clear what your estimated home building costs will be, it’s time to start assessing your budget and appropriately preparing your finances. Remember: It’s never too early to start covering all the bases of your financial obligations and necessities for building your dream home. 

Let’s start by establishing a few simple questions you should ask yourself when estimating your budget requirements: 

• Precisely how much money can you / want to spend? 

• What are the square footage costs for the locations you’re considering? 

• What other expenses are you factoring into your budget? (materials, labor, lot fees, property taxes, furniture, décor, landscaping, etc.) 

• Are there any tax credits you want to qualify for? (Solar-powered materials, energy-efficient appliances, etc.) 

When all of your total costs become clearer, it’s time to begin mulling over all your lending options. Start contacting banks in the location you’re considering building your home and inquire about their real estate lending options, specifically the criteria for their construction and land loans. 

Step #3: Choose Your Location 

Perhaps the best part of building your own house? Choosing exactly where you want to build it! 

Building the dream home for you and your family involves more than just designing a great, comfortable, and highly functional space. It means having the power to construct your house in an environment that perfectly matches your living needs, interests, and values! 

Are you looking for somewhere family-friendly and full of outdoor activities and adventures? Or maybe you need a residence with a speedy commute to work? Constructing your own home comes with many advantages, from finding the ideal school district near where you live to settling down in a place that complements the way of life you aspire to. 

Here are a few of the emerging Southern Minnesota cities that offer unique charm, amenities, and lifestyle opportunities for aspiring homeowners looking to settle down.

Zumbrota: A Quaint Haven 

Nestled along the Zumbro River, Zumbrota offers a picturesque setting for your dream home. Known for its small-town charm, Zumbrota provides a tranquil environment while ensuring easy access to essential amenities. 

Homeowners here can enjoy the benefits of a tight-knit community, excellent schools, and a thriving arts scene. With parks and nature trails nearby, Zumbrota combines the comfort of rural living with modern conveniences. 

Byron: A Family-Friendly Gem 

For families seeking a welcoming community, Byron is an ideal choice to build your dream home. Boasting top-rated schools and a family-friendly atmosphere, this city provides a secure and nurturing environment for your dream home. 

Residents who live here cherish the convenience of local parks, recreational facilities, and a range of community events. Byron seamlessly blends the charm of a small town with the amenities necessary for modern family living. 

Rochester: Urban Comforts, Suburban Serenity 

As the largest city in the region, Rochester offers a perfect balance between urban comforts and suburban serenity. Home to the renowned Mayo Clinic, this vibrant city provides excellent healthcare facilities along with a thriving economy. 

Rochester's diverse cultural scene, shopping districts, and recreational opportunities make it an attractive location for younger homeowners looking for a more dynamic lifestyle combined with the peace of suburban living. 

Kasson: A Tranquil Retreat 

Nestled amidst the serene landscapes of Minnesota, Kasson provides a tranquil retreat for those seeking a peaceful living experience. Known for its friendly community, Kasson offers a slower pace of life while ensuring proximity to Rochester's amenities. 

This is a place where homeowners can reap the benefits of quality schools, local parks, and a close-knit neighborhood. Kasson is the perfect location for those desiring a serene escape without sacrificing convenience. 

Kenyon: Quaint Living Amidst Nature's Beauty 

Kenyon's charming small-town atmosphere provides an ideal backdrop for your dream home. Nestled amid the natural beauty of Minnesota, this city offers a tranquil living experience that’s perfect for anyone looking to relocate out of the big city. 

Living in Kenyon offers plenty of opportunities to enjoy the serenity of nearby lakes and parks, making it a haven for nature enthusiasts. Kenyon's close-knit community, quality schools, and local amenities make it a welcoming location for those seeking a peaceful retreat. 

Mantorville: Historic Elegance Meets Small-Town Charm 

Mantorville is a perfect choice for those drawn to historic elegance and small-town charm. Known for its well-preserved 19th-century architecture, this city provides a unique setting for your dream home. 

Homeowners here can spend year after year exploring the scenic beauty of Mantorville's parks and enjoying the vibrant cultural scene. With excellent schools and a rich history, Mantorville offers a blend of charm and sophistication for your dream living experience. 

Oronoco: Riverside Living & Community Spirit 

Oronoco, situated along the banks of the Zumbro River, offers a picturesque setting for your dream home. Riverside living and a strong sense of community make Oronoco an attractive location, especially for families looking for a more outdoor-oriented living situation. 

Oronoco is ideal for anyone looking to enjoy outdoor activities, community events, and the scenic beauty that surrounds the city. Oronoco provides a perfect blend of natural beauty and community spirit for those seeking an idyllic living experience. 

Pine Island: A Family-Focused Haven 

Pine Island's family-focused atmosphere provides a welcoming haven for your dream home. The city offers excellent schools, recreational opportunities, and a warm community atmosphere. 

For homeowners who want to reap the benefits of local parks, family-friendly events, and a close-knit neighborhood, Pine Island is an ideal choice for families seeking a tight-knit community and a comfortable lifestyle. 

Wabasha: Riverside Serenity & Cultural Richness 

Wabasha, nestled along the Mississippi River, offers a serene riverside setting with a touch of cultural richness. This city provides a unique blend of natural beauty and vibrant cultural activities. 

Every Minnesotan needs to explore the scenic riverfront, enjoy cultural events, and experience the community spirit of Wabasha. If you seek a tranquil yet culturally enriched living experience, Wabasha is the perfect location for your dream home. 

Wanamingo: Tranquil Living in a Rural Oasis 

Wanamingo, surrounded by Minnesota's rural beauty, offers a tranquil living experience in a rural oasis. This is an ideal location for any homeowners looking to escape the hustle and bustle and enjoy the peace and quiet of Wanamingo. 

With quality schools, local parks, and a tight-knit community, Wanamingo provides the perfect setting for those seeking a peaceful retreat. Those looking for a tranquil lifestyle in a rural haven will thrive building a home in Wanamingo! 

Choosing the right location is pivotal in turning your dream home into a reality. Be sure to research and explore all the beautiful places in Minnesota that you could eventually call home! 

Step #4: Find Your Home Builder 

You’ve done your daydreaming and started your research, and now you need to find the team that can make your homebuilding dreams come true. When considering what home builder company to work with, finding the best match for your homebuilding needs is important.

Here are a few qualities and credentials to consider: 

• How much experience does this company have? 

• Have they previously built homes in the location you’re considering? 

• Do they have any referrals you can contact? 

• Are their online reviews generally positive? 

• Are they certified, licensed, and insured? 

• Are they willing to meet you in person for an initial consultation? 

Be patient when considering which homebuilder you want to work with, as you can’t trust simply anyone to help you build your Minnesota dream home! 

Step #5: Work With Your Home Builder

Collaborating with a reputable home builder is the cornerstone of bringing your dream home to life. Skilled in translating your vision into reality, a trusted builder will work closely with you from the initial design stages to the final touches. 

They will actively listen to your ideas, preferences, and aspirations, ensuring that every aspect of your dream home is accounted for in the plans. From architectural styles and layout preferences to the selection of premium materials and finishes, your builder will guide you through each decision, offering expert insights and practical solutions along the way. 

Their experience and attention to detail will ensure that your home-building journey is both smooth and fulfilling, resulting in a home that captures your unique personality and meets your functional needs.

Step #6: Finalize Plans & Permits

Once your home builder has refined your vision and gathered all the essential design details, they will begin the process of finalizing plans and obtaining the necessary permits. Working in collaboration with architects and engineers, your builder will create detailed blueprints that meet building codes and regulations in your area. 

These comprehensive plans serve as the foundation for the construction process and ensure that every element of your dream home is meticulously accounted for. Simultaneously, your builder will navigate the complex process of securing building permits from the local authorities, ensuring compliance with zoning laws and safety regulations. 

Their expertise in this critical stage expedites the process, enabling the construction to commence smoothly.

Step #7: Obtain Necessary Housing Permits

Obtaining the required housing permits is a crucial step in the home-building process. Your builder will handle the necessary paperwork, submitting detailed plans and documents to the relevant authorities. 

This process involves approvals from different departments, such as planning, zoning, and building departments, ensuring that your home adheres to all legal and safety requirements. Your builder's expertise in navigating these administrative processes saves you time and ensures that your home construction proceeds according to schedule.

Step #8: Conduct Housing Inspections

Throughout the home construction journey, housing inspections play a pivotal role in ensuring that your dream home meets quality and safety standards. Your home builder will coordinate with licensed inspectors to assess the various stages of construction, including the foundation, framing, electrical, plumbing, and overall structural integrity. 

These inspections provide valuable feedback, helping your builder address any potential issues proactively, resulting in a well-built and secure home. Your builder's proactive approach to inspections reflects their commitment to delivering a home of exceptional craftsmanship and quality.

Step #9: Oversee the Home Construction Process

As the future homeowner, your involvement in the home construction process is encouraged and welcomed. Your builder will maintain open lines of communication, keeping you informed about the progress and milestones achieved. 

Regular site visits enable you to witness the transformation of your dream home and provide opportunities to discuss any adjustments or additional details you might desire. Whether it's selecting finishes, customizing features, or making design decisions, your builder values your input and actively incorporates your preferences into the construction process. 

Your partnership with the builder ensures that your dream home is a true reflection of your taste, making the experience of building your home an enjoyable and rewarding journey.

Let Bigelow Homes Help You Build Your Dream Home! 

The biggest step of building your dream home is working with an experienced, proven homebuilder company with the team and resources necessary to make your dream house a reality. At Bigelow Homes, we’ve been helping our fellow Minnesotans build their dream homes for over 40 years! 

Ready to get started on building your new house? Contact Bigelow Homes today to schedule a consultation with our homebuilding experts!