What a budget up to €400,000 makes possible
Short answer: The €400,000 threshold refers to the manufacturers' catalogue "from" price – the pure house body in the advertised construction stage. Compared with the €300,000 class, you gain noticeably more living area, two-storey floor plans and the option of turnkey, upscale fittings. Currently 35 houses meet this criterion, from €55,000 to €389,000. The plot and additional building costs are not included – the total costs lie above this.
More budget does not automatically mean more house, but above all more freedom of choice: you can invest in living area, in a representative town villa, in a better efficiency house level with a heat pump and photovoltaics, or in a turnkey handover without own work. Because here too the catalogue price only describes the house body, the same principle applies as on the tighter budget – first calculate the realistic final price, then decide.
What a larger budget provides: €300,000 compared with €400,000 catalogue price.
| What more budget brings | Up to €300,000 | Up to €400,000 |
|---|---|---|
| Typical living area | compact, space-efficient | more generous, often two-storey |
| Representative house types | bungalow, compact single-family home | town villa, large single-family home, multi-generation |
| Construction stage | often a shell house for own work | turnkey more often possible |
| Fittings | standard, prioritise selectively | upscale fittings feasible |
| Energy scope | solid standard efficiency | higher efficiency level, PV & heat pump |
All house prices are the providers' catalogue "from" prices, without the plot and additional building costs. You check your realistic final price and the bearable monthly instalment in the real construction cost calculator including an integrated financing stress test.
35 prefabricated houses up to €400,000 – sorted by price
The selection is sorted purely factually in ascending order by the catalogue "from" price – not an editorial ranking. Shown are the 12 cheapest of 35 suitable houses. Larger and higher-quality designs up to €389,000 are found in the full overview.
Use more budget cleverly: the planning checklist
At €400,000 catalogue price, the temptation is great to max out area and fittings at the same time. These seven points help to plan the larger budget deliberately rather than casually:
- Calculate the final price before choosing: even at €400,000 catalogue price, 25–45% is added for the floor slab/basement, additional building costs, kitchen and outdoor works.
- Weigh living area against fittings: every additional square metre costs – consider where more area and where more quality is more sensible.
- Choose the floor plan to match the plot: a town villa needs different plot dimensions than an elongated bungalow.
- Set the energy level deliberately: higher efficiency costs more but lowers operating costs and often improves eligibility for funding.
- Compare the scope of services: 'turnkey' is not uniformly defined – check the trades included in detail.
- Secure the financing with a stress test: the instalment must remain bearable for the follow-up financing even at higher interest rates.
- Plan a reserve: a fixed buffer for the unforeseen belongs in every serious calculation.
Note: surcharges, eligibility for funding and plot prices differ regionally and depending on the provider – reliable figures are provided only by the individual offer comparison.
You can go deeper into this in the house-building costs guide and with the construction financing calculator – especially in this price class, sound financing planning pays off.
Which house types suit the €400,000 budget?
Typical for this price class are the representative town villa, the generous single-family home and the multi-generation floor plan with an additional granny flat. Anyone who deliberately plans more compactly and cheaply will find what they need on the page prefabricated house up to €300,000.
All price classes at a glance are shown by prefabricated houses by budget, and you find all designs with a price in the house overview.
Compare prefabricated house offers within the budget up to €400,000
Answer a few short questions about the desired size, fittings and region – we match with 140 providers in a detailed comparison and send you up to 3 suitable offers free of charge. At the same time, you check your realistic final price and the bearable instalment in the real construction cost calculator.
