A house for PLN 400,000 – prefabricated or traditional technology?

Is it worth building a prefabricated house for up to PLN 400,000?

A budget of PLN 400,000 is the threshold at which many people begin to wonder: should they choose a prefabricated house or build traditionally? In 2025, this budget still doesn't allow for "everything," but it offers a real chance of owning your own home—provided you make the right choices.

Let's compare what prefabricated technology offers and what classic brick construction offers – with the same budget .

🔷 Prefabricated house for PLN 400,000 – what do you get?

Within the 400,000 PLN you can receive:

• prefabricated house with an area of 45–60 m²,

• in developer standard or with partial finishing ,

• quick delivery time (8–12 weeks from order to installation),

• full documentation, design and delivery included in the price,

• often: prepared foundations or a comprehensive package.

Additional advantages:

• no price surprises – cost known in advance,

• low energy consumption,

• modern finishes (HPL board, wood, glass),

• leasing or payment option in stages.

🧱 Traditional construction for PLN 400,000 – what will you realistically achieve?

With brick technology you can:

• build a house of approx. 70–80 m² in an open or closed shell ,

• partially finish it (without kitchen, bathroom, internal installations),

• expect a longer construction time (usually 6–12 months),

• accept the risk of additional costs (material changes, weather, delays).

Risks:

• difficulties with construction crews,

• rising material prices (no final price guarantee),

• extended implementation = higher rental/living costs "for two houses",

• stress associated with construction supervision.

📊 Comparison Table

Parameter	Prefabricated	Traditional construction
Surface	45–60 m²	70–80 m² (shell)
Standard	developer or turnkey	raw closed / partially finished
Lead time	8–12 weeks	6–12 months
Cost risk	low	high
Price stability	Yes	NO
Convenience	very high	low – requires commitment

Who is prefabricated for and who is traditional technology for?

🏡 Choose prefab if:

• you care about time and peace,

• you have a limited budget and do not want to exceed 400,000,

• you want to have control over the end result,

• you value aesthetics, energy efficiency and simplicity.

🔨 Choose a traditional build if:

• you have access to a team and cheaper materials (e.g. family resources),

• you want a larger surface, even at the expense of finishing,

• you accept risk, long process and unpredictability,

• you plan to finish the interior yourself for several years.

Conclusion: 400,000 is a realistic budget – but not for everything

Both prefab and traditional construction have their place. But if time, peace of mind, and financial stability are important to you, prefab is the solution of the future .

It is also the best choice for investors who want to quickly generate a rental return or create a home ready to show off to clients.

📩 Want to find out which prefab house will fit your budget? Contact: dorota@domkimarysia.com
🌐 See available prefab models at www.domkimarysia.pl

The article was prepared by Dorota Burzec – creator of the Domki Marysia™ brand