Barndominium Mortgage Calculator

Building a home is a fantastic way to get everything you want from a house without compromising. However, it can also be stressful and prohibitively expensive, especially if you are a first-time builder. That’s why building a barndominium is a fantastic alternative to the traditional home route. A barndominium mortgage calculator is a great way to see exactly why barndos are one of your best bets. 

When working on a plan to build a barndominium, you want to lay out your plans and budget as much as possible. Many people find the process of budgeting for a home build to be incredibly intimidating. However, it is crucial that you know what you can expect to spend and what you can afford. Setting a budget forth and figuring out how much your plans will cost will go a long way when it comes to your success. 

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barndominium mortgage calculator

A barndominium mortgage calculator is one of the best ways to narrow down your budget. Being able to see what features you can afford and what kind of home you can build is essential. Our barndominium mortgage calculator will give you a good idea of what you can expect to spend. Having this information before you get started will give you the best chance at success. 

What the Barndominium Mortgage Calculator Considers

The barndominium mortgage calculator allows you to choose different sizes and grades of various aspects of the build. These parameters allow you to budget for your project and work with the builder to create your dream home. The features laid out in the barndominium mortgage calculator will most likely come into play no matter what. They are universal to almost every barndominium project, so it is important to consider them. 

One of the most important things a barndominium mortgage calculator lays out is square footage. Depending on your needs and the needs of your family, you will have to know your potential square footage. Knowing how much you can expect to spend for different sizes will influence your decisions for the floor plan. It will also show you how many bedrooms and bathrooms you can afford. 

The barndominium mortgage calculator also shows how much you might spend on porch space. Ample porch space has a lot of benefits, especially if you live in an area with good weather year-round. You can get some extra living space as well as add some style and beauty to your barndo. The barndominium mortgage calculator accounts for covered and uncovered porch square footage. 

The barndominium mortgage calculator also allows you to choose different grades of countertops and cabinets. The grading system is set up to mean different types. 

The grades for cabinets are:

  • Grade 1: Ready to assemble
  • Grade 2: Stock
  • Grade 3: Semi-Custom
  • Grade 4: Custom

The higher the grade of the cabinets you choose, the more expensive they will be. If you want someone to build completely custom cabinets, it’s a good idea to expect to pay top dollar. 

The counter grades on the barndominium mortgage calculator include: 

  • Grade 1: Laminate or tile
  • Grade 2: Porcelain, wood, or concrete
  • Grade 3: Stainless steel, quartz, or limestone
  • Grade 4: Granite or marble 

The higher the grade of these furnishings is, the more expensive they will be. Depending on your taste and what you are looking for, you can save money on your barndo by choosing a lower grade. The barndominium mortgage calculator allows you to make the proper adjustments. 

What is Not Included in the Barndominium Mortgage Calculator

No matter what kind of barndominium you are building, there will be some variables that are particular to your design. It can be difficult to determine what your particular barndominium will cost. However, some of the constants, such as square footage and cabinetry, can be estimated. The things that can’t be will be entirely up to you to budget for and decide what is necessary. 

To help you figure out what your barndominium will cost, we have put together a list of some of these variables. Planning for these things and using the barndominium mortgage calculator will help you find a solid estimate. Other than the below items, you should be able to come up with a fairly tight budget with the barndominium mortgage calculator. This will help you plan for your barndominium build and ensure that your project will suit you perfectly. 


The location where you choose to build your barndominium will change the cost dramatically. Some of the most high-cost places, such as California and Texas, will translate to much higher home building costs. In some cases, the cost of building a barndominium will be almost twice as much in certain states. Knowing what the cost of living and building is in a particular area can help you nail down your budget. 

One of the ways you can decide on where to build is to find an area with the best value. Checking on things like local property taxes, schools, and gas prices is a great way to do this. It is important to remember that the cost of living in an area is a long-term value. Combining these things with the cost of your barndominium is crucial. 

barndominium mortgage calculator

The location of your property will also come into play. While it may be cheaper to buy a plot of land in a rural area, it may cost you more for other things. For example, if you have to bring utilities out to the property, this could drive up your construction costs. Taking all these costs and adding them to your construction budget will help you make the right decision. 

Interior and Exterior Materials 

The barndominium mortgage calculator also excludes some important aspects of your build’s interior. While the exterior framing and siding are crucial, it does not necessarily make your barndominium liveable. If you are going to be comfortable in your home, you need to take some extra things into consideration. To finish the interior, you will have to spend extra money on the essentials. 

Some of the most important interior and exterior materials you will have to consider are things like: 

  • Framing materials 
  • Electrical materials 
  • Siding 
  • Roofing
  • Drywall
  • Windows
  • HVAC

There are several ways that you can figure out how to pay for these materials. In some cases, you can even get them used or secondhand from dead stock. This is especially true with windows, which are incredibly easy to come by if you don’t want to buy them brand new. Used materials are an excellent way to save money on the final cost of your barndominium. 

If you don’t want to look for any of the above items used, buying them new is also an option. However, it is important to remember that the cost of materials will change daily. What might be a good deal when you are planning may not be a good deal when you start building. Because of this, any time you find a good price on the above items, it is best to move quickly. 

Variable Labor Costs 

The cost of labor is another variable expense that isn’t taken into consideration with the barndominium mortgage calculator. Labor is a crucial part of your barndominium build. This is especially true since most construction loans require you to use licensed and certified contractors. This means that you will have to budget for labor, even if you are planning on doing some of the building yourself. 

barndominium mortgage calculator

One of the most important things to remember is that the barndominium mortgage calculator includes labor. However, it does not consider that labor costs can change. Depending on where you live and what the market is like, you may be paying more for labor in one place than somewhere else. This makes it difficult for the barndominium mortgage calculator to come up with an estimate accurately. 

One of the ways you can save money on labor is to schedule things properly. Many people have to pay extra for labor because they need things done quickly to meet deadlines. If you keep a decent schedule and stick to it, you can avoid rush fees. Cutting costs wherever you can and adequately scheduling your labor can save you a lot of money in the long run. 

Type of Foundation 

The foundation is another area that the barndominium mortgage calculator does not consider. Your foundation will need to be installed before you can begin any work on your barndominium. Depending on your land, the weather, and your needs, you can choose from any kind of foundation. However, it is crucial that you choose correctly, as it is the base of your entire project. 

The most expensive type of foundation to build is the basement foundation. Basement foundations are built by digging large holes and then filling them with concrete. Then, the foundation itself is built on top of that. Most barndominiums do not use basement foundations, but if you want the extra square footage, it is a great choice. 

If you want to save as much money as possible, a slab foundation is your best bet. Most barndominiums are built on slab foundations due to their simplicity and low price. Plus, with a slab foundation, you can drive your poles into it to permanently affix them. This simple concrete slab can save you a lot of money and be incredibly effective for your barndominium. 

Electronics and Furniture 

Odds are, if you are building your dream home, you want top-of-the-line furniture and electronics. This is the part of building a barndominium that is the most fun. Picking out your extras and furnishings is your time to shine and show your personal style. However, it is essential to remember that these things are not included in the barndominium mortgage calculator. 

When picking out your electronics and furniture, this is a great time to try and figure out how to save some money. Many of these items can be purchased used if you spend enough time looking. In fact, buying these things on the used market is an excellent opportunity for you to make your home incredibly unique. While used items will be cheaper, they will also be more exciting and unlike anything else. 

Additional Cost Considerations

Aside from the things laid out in the barndominium mortgage calculator, there are other costs associated with building a barndo. For example, you will need to get insurance for your barndominium. This can be slightly difficult due to the unique nature of your barndominium and may cost more money than traditional homeowners insurance. However, with the right insurance agent, you should be able to find a high-quality policy. 

You will also most likely have to pay property taxes. The barndominium mortgage calculator doesn’t take these taxes into consideration, but they are an important part of owning your home. The state you live in, your income, and the land you build on will all affect the amount of taxes you pay. Speak with a tax professional to find out how much you should be paying every year. 

How to Get an Accurate Cost Estimate 

Although the barndominium mortgage calculator is beneficial, it will not be 100 percent accurate. Many factors go into the cost of your barndominium, so you will need to do some other research to get a reliable figure. Getting quotes and bids will be a big part of the planning process for your barndo. All the people involved in your construction project should be able to give you accurate estimates. 

One of the best ways to get started on your barndominium is to have a draftsman put together floor plans. Then, you can use these to work with the contractors you are thinking of hiring. This way, they can tell you how much the project will be and their timeline. Getting this information together with your estimate from the barndominium mortgage calculator is a great way to get started. 


With the barndominium mortgage calculator, you can get a good idea of how much your barndominium will cost. With a baseline, average goal, you can start looking for financing or saving to get your construction underway. Being informed is one of the best ways to ensure that your barndominium building project will be successful. 

If you would like more guides like this one, check out the rest of You will find all kinds of tips and tricks from the pros. You will also find individual state guides to help you finance a barndominium. With the right information, you can build your perfect dream home.