In 2026, €100,000 buys a 48 m² semi-finished prefab home. €200,000 buys a 142 m² semi-finished home, or a turnkey 48 m² home plus its base site costs. €300,000 buys a turnkey 95 m² home; with its site costs, house and site together start at €297,100. The next turnkey models sit beyond the €200,000 and €300,000 cutoffs. All figures below are published BioBuilds list prices, including an illustrative 19% German VAT, with transport included for Ireland and quoted separately by destination elsewhere.
Most budget guides answer "what can I afford?" with a per-square-meter range and a quote form. This guide answers it with a price list. BioBuilds, the European manufacturer behind this guide, is among the most competitively priced in the certified segment. It publishes every model price, so each budget tier below maps to specific homes, not estimates. And because an honest budget guide has to say both things, each tier also states plainly what that money does not buy.
Scope, in one paragraph: this article answers a single question: what your budget buys. It assumes the 2026 baseline we argue for elsewhere: a timber-frame structure with real energy certification. For the full price breakdown per model, finish level, and country, read the prefab price guide. For everything outside the house itself, including land, foundation, permits, and utility hookups, read the site-cost guide.
How far does a prefab budget go in 2026?
The full list, current as of 02.10.2026:
| Model | Size | Bedrooms | Semi-finished | Turnkey |
|---|---|---|---|---|
| Wanderlust | 48 m² | 1–2 (two on request) | from €78,000 | from €128,000 |
| Serenity | 95 m² | up to 3 | from €138,000 | from €248,000 |
| Sanctuary | 142 m² | up to 4 | from €198,000 | from €358,000 |
| Bloom | 190 m² | 4–6 | from €248,000 | from €458,000 |
Every model, at either finish level, is built on the same Passivhaus-certified system: 35 cm timber-frame walls, STEICO wood-fiber insulation, triple-glazed windows with Passivhaus-certified frames, with MVHR ventilation included in Turnkey and optional in Exterior Finished. The budget decides size and finish level, never the construction quality underneath.
These prices cover the home in its standard configuration. Transport is included in Irish storefront prices and quoted separately by destination elsewhere; on-site assembly is included through our partners. Land and site costs (foundation, crane, hookups, permits) are additional. Each list price is indicative; the personalized offer confirms your configured figure before signing and is valid for 30 days, and the signed contract holds the price for a period agreed in advance.
Each additional €100,000 opens the next size class, but the cutoffs are not round: Serenity turnkey is €48,000 above €200,000, and Sanctuary turnkey is €58,000 above €300,000. Because the price per square meter falls as the home grows (€2,667/m² at 48 m², €2,411/m² at 190 m²), stretching to the next size class buys more home per euro than adding extras to a smaller one.
The €100,000 tier: 48 m² you finish yourself
At €100,000, you have two realistic configurations:
- Wanderlust 48 m² semi-finished, €78,000. With one to two bedrooms (two on request). It arrives with the complete envelope, windows and factory-installed cables and conduits, plus preselected removable plumbing and electrical panel upgrades. Ventilation equipment, ducts and installation are optional; you handle the surface finishing yourself: painting, installing wall panels, and laying parquet. The remaining €22,000 has to cover both that finishing and the site costs (from €32,400).
What €100,000 does not buy: a turnkey 48 m² home. The Wanderlust turnkey lists at €128,000, which is €28,000 over, and the list price is public and identical for every buyer, so there is no negotiating across that line. It also does not buy any 95 m² home at any finish level, and it does not include land anywhere in Europe.
The €200,000 tier: 142 m² semi-finished or 48 m² turnkey plus site costs
This is the tier where the BioBuilds list starts covering a full family home:
- Wanderlust 48 m² turnkey, €128,000, plus its site costs from €32,400, leaves up to €39,600 toward land. At €200,000, this is the only configuration that fits land, house, and site inside one budget.
- Sanctuary 142 m² semi-finished, €198,000. Up to four bedrooms. Taking the do-the-finishing-yourself route leaves €2,000 for finishing and site work.
- Serenity 95 m² turnkey, €248,000. Three bedrooms, finished interior, at €2,611/m². It sits €48,000 above this tier before site costs.
What €200,000 does not buy: the Sanctuary turnkey (€358,000). Nor does it buy the Serenity turnkey with its site costs on top; that combination starts at €297,100.
The €300,000 tier: 95 m² turnkey
At €300,000, the list stops being the constraint:
- Serenity 95 m² turnkey, €248,000. Three bedrooms, finished interior. With site costs from €49,100, house and site together start at €297,100.
- Sanctuary 142 m² turnkey, €358,000. Up to four bedrooms at €2,521/m². The house alone is €58,000 above this tier. With site costs from €60,300, the total starts at €418,300.
What €300,000 does not buy: the Bloom 190 m² turnkey at €458,000, which is also the lowest per-square-meter price on the list at €2,411/m². Nor land, which comes on top in every configuration above, or a basement. These homes usually stand on ground-screw foundations, which are faster and cheaper than excavated concrete but leave no room for a cellar; the foundation guide covers what that changes. Above the Sanctuary, the catalog continues to the Bloom; past that, more budget buys options and site scope rather than floor area.
Budget rules that apply at every tier
- Check the VAT basis. The prices in this guide are shown including an illustrative 19% German VAT; your offer applies the rate of your delivery country to the house and the site costs alike.
- Cash flow follows production, not the calendar. Payments are staged: 10% at signing, 40% at production-slot allocation, 40% at production start, and the final 10% when the home arrives at your destination, inspected on the trailer before unloading.
- The price you sign is the price you pay. The personalized offer confirms the configured figure and is valid for 30 days; the signed contract holds the price for a period agreed in advance.
- Site costs start from a base. The figures quoted above (€32,400 to €60,300 by model) are base estimates; the plot, the access and the services you hire decide how far above them a project lands.
- The factory does not care about your tier. Whichever budget you land on, production takes about 3 weeks, and every home carries the same 5-year structural guarantee, in addition to your statutory defect rights.
The fastest way to test a real configuration against your budget is the online configurator: it prices every model, finish level, and option live. Irish prices include transport. For Germany, Austria and Romania, a transport estimate is added after you enter a valid delivery postcode; other destinations are quoted separately.
