One of the biggest decisions you'll make when building a custom home is where to build it. Each option has distinct advantages depending on your priorities.

On-Your-Lot Building

Pros:

Complete customization of location
No HOA fees or restrictions
Land as long-term investment
Privacy and space

Cons:

More complexity (site work, utilities)
Potential for site challenges
Longer timeline

Best for: People who value location choice and complete customization.

Subdivision Building

Pros:

Established infrastructure
Community amenities
Easier financing
Simpler process

Cons:

HOA fees and restrictions
Less customization
Similar homes nearby

Best for: People who want simplicity and community.

Cost Comparison

When comparing total costs, consider land prices in Floyd County, site development costs (clearing, grading, driveway, utilities), and the overall timeline differences between the two approaches.

Our Recommendation

If you've found the perfect piece of land or want complete control over your home's location and design, on-your-lot building is the way to go. We specialize in helping families build on their land with transparent pricing every step of the way.

Have land? Let's discuss building on it. Contact us for a free consultation.