Current rule of thumb is $150 x Total SF (anything with a roof or foundation)
Includes Builder & everyone/everything
Excludes lot, structural engineer if required, travel time exceeding 15-25minutes one way
Some items may be on backorder or to be substituted
Some reductions may be had for cheaper items but some of these will cost more in the long run.
Easy to spend more, so many temptations and rationale if a forever home.
If you can't do $150 then you may postpone Custom for your forever house later & today buy from Realtor, new or used.
"In 5 years" - judging from the past, there's no way we can predict future costs ... it was a rocky road.
Also, no one saw the mid-80's housing bankruptcies coming and gurus predict heavy inflation ahead.
Avoid barndominiums and Prefabs as solid investments, so no hedge there.
Preparation today might be to start then stop an Architect Spartan plan and read some from the book series The Not So Big House.
Update 02.11.22 Best bid ~$1million 7507 TotalSF, 5937 LivingSF just outside city limits College Station but lots of clearing costs = $133/TSF under what I suggested at $150 ... most seem to be misreading LivingSF obviously but if your only way is LivingSF, then do the math. Yes this is one of the top builders, if not THE top. I hope our design efforts also helped with costs.
We use TOTAL SF when designing within a budget - makes more sense in this era of huge porches & garages.
Short-hand answers here ... long-hand help here ....
http://pages.suddenlink.net/tgivaughn/