Budget Categories Explained

Full list of standard construction budget categories with descriptions and typical ranges.

Standard NAHB Categories

OwnerDraw uses the NAHB cost code system, which is the industry standard recognized by banks and lenders. Here are the major categories:

Site Work & Foundation

Structure

Mechanical, Electrical, Plumbing (MEP)

Interior Finishes

> TIP: Don't forget soft costs: permits, insurance, loan fees, architectural plans, and surveys. These typically add 10-15% on top of hard construction costs.