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Prefabricated houses up to 400,000 EUR compared

A new build on a fixed budget up to 400,000 EUR is achievable - above all through your own labour, compact floor plans and the right finishing stage. These six houses carry a starting price within this range.

Anyone planning with a budget up to 400,000 EUR has to set priorities on a new build - and still has real choice. In this category six houses with a fixed starting price up to 400,000 EUR are available, from the shell-house variant ComfortStyle 10.01 W from 134,999 EUR to the turnkey Linus duplex by Kern-Haus for 397,900 EUR. Living areas range between 103 and 136 m2 - compact, but family-friendly.

The decisive factor for the price is above all the finishing stage: the two shell houses by massa haus (134,999 EUR and 156,999 EUR) require your own labour, while turnkey offers such as the Natalie 2 by Dammann-Haus (358,600 EUR, KfW Efficiency House 40 EE) or the Doppelhaus 35-130 by Hanse Haus (378,970 EUR) hand everything over finished. Note: all amounts quoted are starting prices for the house itself - plot, ancillary building costs (Baunebenkosten) and outdoor works come on top.

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All prices are non-binding "from" prices from the manufacturers (guide values, excluding land and incidental construction costs). Only the written manufacturer quote is binding.

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How to keep your house under 400,000 EUR

The biggest levers for a budget up to 400,000 EUR are living area, finishing stage and house type. All six houses in this selection stay under 140 m2 - every extra square metre costs money that is quickly missing from the budget. Anyone who can contribute their own labour cuts the price the most: the ComfortStyle 10.01 W by massa haus is 134,999 EUR as a shell house, because the interior fit-out is done by the owner.

The house type also plays a part: three of the six houses are semi-detached units. Thanks to the shared plot and the common party wall, the total cost of the building project comes out noticeably lower. The solid Linus duplex by Kern-Haus proves that turnkey living on 110 m2 is achievable under 400,000 EUR too.

What the starting price does not cover

Honestly, the starting price of a house is only part of the total bill. As a rule, it excludes the plot, the ancillary building costs (notary, real-estate transfer tax, surveying, building permit), earthworks, floor slab or basement, and the outdoor works. Depending on region and plot, these items make up a considerable part of the overall budget.

Calculate conservatively therefore and set aside a buffer. With shell houses, the material purchase for the interior fit-out is added too - here the starting price covers only the building envelope. A grant-eligible KfW efficiency house such as the Natalie 2 by Dammann-Haus, by contrast, can ease the financing through low-interest loans.

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Frequently asked questions: Prefabricated houses up to 400,000 EUR compared

Can you still build a house for under 400,000 EUR in 2024?
For the house itself this is feasible - six models in this selection carry a starting price up to 400,000 EUR, the cheapest from 134,999 EUR as a shell house. It is important that this amount covers only the house price. Plot, ancillary building costs and outdoor works are added and raise the overall budget considerably. Anyone who has these items covered cheaply or already gets by realistically within the range.
What is the most effective way to lower the house price?
The biggest lever is your own labour: as a shell house the manufacturer supplies only the building envelope, and you handle the interior fit-out yourself. That way the ComfortStyle 10.01 W by massa haus costs under 140,000 EUR. The second lever is the living area - every square metre costs extra. Third, the house type helps: semi-detached units as offered by Kern-Haus or Hanse Haus lower costs through the shared plot.
Is a grant-eligible efficiency house possible within this budget?
Yes. The Natalie 2 by Dammann-Haus is a KfW Efficiency House 40 EE and, at 358,600 EUR, is clearly under 400,000 EUR. As a grant-eligible standard it qualifies for low-interest KfW loans, which eases the financing. That combines energy-efficient, turnkey building with a limited budget. You should check the exact funding conditions before signing the contract.
Are the starting prices binding?
No, starting prices are the manufacturers' guide values and serve for an initial comparison. The actual price depends on features, region, ground conditions and chosen options. With shell houses, the material purchase for the interior fit-out is added. Obtain an individual quote for your specific situation before you calculate firmly.

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