Budgeting · 7 min

How to set a realistic remodel budget

The fastest way to a stressful project is a budget built on hope. Here is how to set a number that survives contact with real bids and real finishes.

What you'll learn

  • Where remodel money actually goes
  • Why you need a 10 to 15 percent contingency
  • How to compare bids without getting fooled by a low number

Step by step

  1. Break the project into bucketsCabinetry, counters, labor, plumbing and electrical, permits, and finishes. Seeing the buckets keeps any one of them from blowing up.
  2. Build in a contingencySet aside 10 to 15 percent for the unknowns behind the walls, especially in older San Diego homes. You hope not to use it.
  3. Get apples-to-apples bidsMake sure each contractor is quoting the same scope and the same grade of materials. A low bid often means something was left out.
  4. Confirm what is allowance vs fixedAsk which numbers are real and which are placeholders for finishes you have not picked yet, that is where budgets drift.
Heads up

A bid much lower than the others is a red flag, not a deal. Ask what is missing before you sign anything.

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