7) Step 7: Budget framework and how to avoid surprise costs
Whole-home remodel budgets vary widely because “scope” can mean anything from cosmetic upgrades to structural redesigns.
Major budget drivers
- Layout changes and structural work
- Kitchen and bathroom scope (wet rooms cost more)
- Window/door upgrades and opening changes
- Flooring throughout the home
- Electrical and plumbing upgrades
- Finish level: basic durable vs custom/luxury
Smart budgeting strategy
- Set priorities: which rooms matter most?
- Decide where to invest: “hero” spaces vs supporting spaces
- Build a contingency buffer for surprises
- Use a clear scope document so change orders are intentional, not accidental
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