I built my last home in central Vermont on land that was on my family property, with existing septic. I calculated that I spent roughly 150k when all was said and done and used the help of a contractor friend for the framing and finish work. On top of all of my freetime dedicated to this house I also spent the majority of my vacation time managing this build. If you are paying ‘retail’ by using a team or well known builder/developer I’m sure that you’ll spend twice this amount. The real question is, would I do it again? My answer is probably not. While it sounds like a good way to beat the system there are just too many variables when trying to do it yourself and I was lucky to know so many contractors and tradespeople to help along the way and even still there were plenty of things that went wrong and I spent 3+ years completing is house.