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How Much Does It Cost to Build a Pole Barn House?

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Pole Barn Costs, Payment Options & FAQs

There’s a lot of buzz about pole barn houses lately – and for good reason. They’re durable, built quickly, and customizable. Plus, they typically less costly than regular homes, but you may still be wondering how you can afford your own. Acorn Finance makes comparing pole barn financing offers simple so you can spend more time taking action and working toward building your new pole barn house.

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Is a pole barn house worth the cost?

Pole barn houses are an attractive option for many homeowners due to their affordability and relative ease of construction. With a little extra effort, you can design and build a pole barn house that provides spacious and comfortable living. The materials used, such as steel, wood, and concrete, are sturdy, durable, and can withstand the elements, making pole barn houses a sensible choice for those looking to invest in a cost-effective home. Furthermore, a pole barn house can be customized to fit individual needs and taste, allowing the homeowner the flexibility to design a living space that suits their lifestyle.

Keep reading to learn more about the cost to build a pole barn house, and how you may be able to afford it.

Pole Barn Building Costs: Frequently Asked Questions

How much does it cost to build a pole house/barn house?

The cost to build a pole barn house can vary widely depending on several factors, such as location, size, design, materials used, and labor costs. Generally, the cost to build a pole barn house can range from $50 to $200 per square foot.

For example, a simple pole barn house with a basic design and standard materials can cost around $30,000 to $50,000 for a small house with one or two bedrooms. However, a larger, more complex pole barn house with custom features, such as high-end finishes and appliances, can cost $150,000 to $500,000 or more.

It's important to note that the cost of site preparation, such as grading, foundation work, and utilities installation, can significantly affect the total cost of building a pole barn house. Additionally, the cost of labor and local building permits and fees should also be factored into the total cost.

Are pole barn homes a good investment?

Pole barn homes can be a good investment if they are built in an area where the demand for housing is high, and the property can be rented out or resold for a profit. Additionally, pole barn homes can be a cost-effective option for those looking to build a home, as they are typically less expensive to construct than traditional homes.

Is it a good idea to finance a new pole barn house with a loan?

Financing a new pole barn house with a loan can be a good idea for many people, especially if they do not have the cash on hand to pay for the project upfront. It can provide the necessary funds to start construction, and payments can be spread out over several years.

As with any loan, it's essential to consider the terms and conditions of the loan, including the interest rate, repayment period, and monthly payments. It's recommended to shop around for different lenders and compare the terms and conditions of each loan before making a decision.

Acorn Finance puts you in control of selecting the best pole barn offer based on your circumstances. Within 60 seconds or less you can check loan offers up to $100,000, depending on credit score. But it gets even better. Receive funding in as little as 1-2 business days, although funding times can vary.

Pole Barn Costs - What You Should Know

What should you know before building a pole barn house?

Before building a pole barn house, here are some important things you should know:

  • Building codes and permits. This is a big one. Check with your local building department to determine the building codes and permits required for pole barn houses in your area.
  • Site preparation. Site preparation is an important step in building a pole barn house. Proper site preparation includes clearing the land, leveling the ground, and preparing the foundation.
  • Design and customization. Pole barn houses can be customized to fit a variety of styles and purposes. Work with a designer or architect to create a design that meets your specific needs and preferences.
  • Materials and construction. Choose high-quality materials for your pole barn house to ensure durability and longevity. Hire experienced and licensed contractors for the construction process.
  • Utilities and infrastructure. Plan for utilities such as electricity, plumbing, and heating and cooling systems. Determine the best location for these utilities and work with licensed professionals for their installation.
  • Budget and financing. Most importantly, determine your budget for the project and explore your financing options. Factor in all costs, including land acquisition, site preparation, construction, utilities, and furnishings when seeking a lender. Pole barn homes are trending but they still call for alternative financing methods. Personal loans are commonly used. To explore personal loan offers for pole barn financing, visit Acorn Finance.

What are the different types of pole barn houses?

There are a few different types of pole barn houses from prefabricated kits to custom pole barns. Here's about what you can expect them to cost.

  • Basic pole barn house. Nothing fancy - simple design and materials typically cost between $50 and $80 per square foot.
  • Custom pole barn house. You can expect to pay extra for high-end finishes, custom features, and advanced technologies. The cost of a custom pole barn house can range from $100 to $200 per square foot.
  • Metal pole barn house. A metal pole barn house can cost between $70 and $100 per square foot.
  • Hybrid pole barn house. A hybrid pole barn house combines traditional building materials with pole barn construction methods. The cost of a hybrid pole barn house can vary depending on the materials used and the level of customization.
  • Barndominium. A barndominium is a type of pole barn house that combines living quarters with a barn or workshop space. The cost of a barndominium can range from $80 to $150 per square foot.

These are, of course, general ideas of cost and the cost of your pole barn house can vary depending on the level of customization and materials used. Consider your needs and shop around to find the pole barn that meets your needs and budget. Pole barn financing can help expand your budget, thus allowing you to invest wisely in something that will last.

See More Home Improvement Cost-Related Content:

Conclusion

Considering building your own pole barn house? Take advantage of Acorn Finance's network of top national lending partners that are ready to earn your business. With competitive loan offers and rates as low as 4.49% (depending on credit score) you'll be constructing the pole barn of your dreams in no time. Skip countless Google searches leading to the same place and jump right to the best source for personal loan offers.

What are the pros and cons of pole barn houses?

Pole barn houses, like any other housing type, have their own advantages and disadvantages. Here are some of the pros and cons of pole barn houses:

Pros

  • Cost-effective. Pole barn houses are generally cheaper to construct than traditional homes, as they require fewer materials, labor, and time to build.

 

  • Customizable. Pole barn houses can be designed and customized to fit a wide range of styles and purposes, from residential homes to commercial buildings.

 

  • Energy-efficient. Pole barn houses can be designed to be energy-efficient, with proper insulation and ventilation.

 

  • Durability. The use of high-quality materials such as wood, steel, and concrete can make pole barn houses strong and durable.

 

Cons

  • Zoning restrictions. Pole barn houses may not be allowed in certain areas due to zoning and building codes.

 

  • Limited design options. While pole barn houses can be customized, the design options may be limited compared to traditional homes.

 

  • Maintenance. Like any other home, pole barn houses require regular maintenance to keep them in good condition.

 

  • Resale value. Pole barn houses may have a lower resale value than traditional homes, as some buyers may prefer more conventional housing types.

 

Frequently Asked Questions

What makes pole barn houses affordable?

As pole barn houses increase in popularity, it’s no wonder why. Their affordability makes the American Dream a reality for many families. If you’re asking yourself “how much does it cost to build a pole barn and what makes them so affordable?” Let us help break it down for you.

  • DIY friendly: Perhaps one of the largest contributors to cost savings when it comes to building a pole barn house is the ability to complete some of the finishing yourself. While some opt out of any DIY endeavors, many pole barn homeowners choose to tackle some of the more manageable feats such as flooring, insulation, paint etc. It is recommended to leave electrical and plumbing (at least) to the pros, though. 
  • Wallet friendly materials: Pole barn homes are often built with cost effective materials such as steel siding and roofing. This is much cheaper than, say, brick and concrete. The materials used in pole barn homes are also typically easier and faster to install, saving on labor costs. 
  • Foundation: Pole barn houses rely on the poles that keep the home secured to the ground, meaning concrete pads or any other costly foundation isn’t typically necessary. 
  • Property tax savings: This depends on your municipality, but often, pole barn home owners save on property taxes since these homes may be considered agricultural buildings. 

Pole barn costs can vary widely, but they do typically leave more room for savings than other housing options. 

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What are alternatives to pole barn houses?

There are many alternatives to pole barn houses. Stick built homes, or site built homes, typically use wood framing, concrete foundation, and expensive materials to build a sturdy, long lasting home. Some alternatives that are more comparable in expense to pole barn cost include:

  • Tiny homes: This is an umbrella term for any smaller than usual dwelling. By common definition, although this is loose, a tiny home is anything under 400 square feet. These can be built in the same manner as a stick built traditional home, or by using cheaper materials such as steel siding and roofing. 
  • Manufactured or modular homes: Manufactured and modular homes are most often purchased from a home dealer and built in pieces in their factory. Those pieces are then assembled on the property in which the house will remain. Modular homes are very similar to traditional homes, and manufactured homes are not far off either. Materials may be cheaper, but the real savings comes with factory construction. 
  • Shed conversion: Shed homes may be less popular simply due to zoning regulations, but converting a shed is another alternative to pole barn houses. 

Obtaining estimates that cater to your housing goals is the best way to figure that out if an alternative makes sense. Any of these options will likely require a good chunk of funds, but will likely be much cheaper than building a traditional home. Exactly how much to build a barn house will vary based on your location, intended size, and any special features of your dream home. 

Can you finance the costs for building a pole barn house?

Some individuals choose to use financing to finance the construction of a pole barn house. Retailers that sell prefabricated pole barns may have financing available. Alternatively some individuals opt for a personal loan. With few spending restrictions, personal loans can fund the grading of the land to the appliances inside your pole barn. Plus, most do not require collateral. At Acorn, you can check rates with no credit score impact.

What are the best loans for financing pole barn costs in [October 2023]? 

The best loans for financing pole barn costs may look different from person to person. The best loan for you might depend on a number of factors, including:

  • How much you need: Finding out how much you need to complete your pole barn project is a great place to begin. Keep that number in mind when shopping for a pole barn loan. 
  • What your budget is: It is advised to have thorough knowledge of what your budget looks like, and exactly how much you can afford towards a new payment each month. 
  • Your credit score: Utilize an online credit monitoring site to check in with your score and see how your credit profile may look in the eyes of a lender. This can give you an idea of how strong your approval odds are for a loan in the amount you might need. When in doubt, turn to Acorn to check offers with no credit score impact.

Why choose Acorn Finance for comparing loans for pole barn costs?

Acorn Finance is home to the best home improvement loan offers. We understand the stress and endless decisions that come with home improvement projects such as building a pole barn. To help homeowners, we’ve created a platform that allows you to check home improvement loan rates in seconds with no credit score impact. With access to top national lenders and home improvement loan offers up to $100,000, depending on credit score, Acorn Finance empowers borrowers. Our platform creates a sense of competition for lenders, while borrowers get to loan shop with no outside noise. If you value your time, and money, visit Acorn to find the best home improvement loan offers.

Pros and cons of lenders for pole barn cost financing:

LightStream

Best for large pole barn house loans up to $100,000, depending on credit score.

Minimum qualifications: 

  • Minimum credit score requirement of 660 or above 
  • Minimum income requirement of $50,000/year

Pros:

  • No origination fees
  • Funding as soon as one business day on approved loans, although funding times can vary
  • Competitive loan offers
  • Allows co-signer
  • Large personal loans available 
  • Flexible repayment periods up to 12 years

Cons:

  • Strict qualification requirements
  • No access to pre-qualify through the LightStream website

SoFi

Best for large pole barn house loans borrowers with a very good credit score.

Minimum qualifications:

  • Minimum credit score requirement of 680 or above 
  • Minimum income requirement of $50,000/year

Pros:

  • Flexible loan amounts and repayment terms
  • No origination fees
  • Competitive interest rates
  • Funding as soon as one business day on approved loans, although funding times can vary
  • Allows cosigner applications
  • Unemployment protection available

Cons:

  • High credit score requirement
  • Approvals may take 3 days or more

Best Egg

Best for pole barn house loans up to $50,000.

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • No minimum income requirement 

Pros:

  • Fair credit scores can qualify
  • No minimum income requirement
  • Same or next day funding available, although funding times can vary

Cons:

  • Not available in some states
  • Origination fees between 0.99% and 6.99%
  • Higher APRs

Prosper

Best for peer-to-peer pole barn house loans. 

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • No minimum income requirement 

Pros:

  • Low threshold for credit score
  • No minimum income requirement
  • Flexibility to change payment dates
  • Offers peer-to-peer lending

Cons:

  • Origination and late fees may apply
  • No rate discount for autopay is available
  • Restrictive repayment periods
  • Funding may take about 5 business days 

Upgrade

Best for pole barn house loans for bad credit borrowers. 

Minimum qualifications:

  • Minimum credit score requirement of 560 or above 
  • No minimum income requirement

Pros:

  • Low credit score requirement
  • No early payoff penalty
  • Joint applications allowed
  • Funding as soon as one business day on approved loans, although funding times can vary

Cons:

  • Origination fees between 2.9% to 8%
  • Higher APRs, especially for subprime borrowers

Axos Bank

Best for refinancing existing personal loans.

Minimum qualifications:

  • Minimum credit score requirement of 700 or above 
  • Minimum income requirement $48,000/year

Pros:

  • Low origination fees
  • Mobile app to manage loans
  • Fast funding times
  • Funding as soon as one business day on approved loans, although funding times can vary

Cons:

  • High credit score requirement
  • Origination fee up to 2%

OneMain Financial

Best for borrowers with bruised credit that pole barn house loans.

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • Minimum income requirement $7,200/year

Pros:

  • Low credit score requirement
  • Offers secured loan option
  • Low income requirement
  • Flexibility to choose your payment date
  • Fast funding times

Cons:

  • High interest compared to similar lenders
  • Origination fee between 1% – 10% (or flat fee up to $500 depending on state)

LendingPoint

Best for pole barn house loans for fair credit borrowers that need fast funding. 

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • Minimum income requirement $30,000/year

Pros:

  • Low origination fees
  • Relaxed credit score and income requirements
  • Same or next-day funding is available, although funding times can vary

Cons:

  • No joint applications
  • High loan costs
  • Short repayment periods 

Lending USA

LendingUSA offers fast approval decisions and loans as small as $1,000. One advantage of obtaining a loan with LendingUSA is if your balance is paid off within six months, no interest will be added to the principal. 

Reprise Financial

Reprise Financial helps consumers streamline the personal loan process and find the loan that works for them. 

Universal Credit

With a minimum credit score requirement of only 560, Universal Credit may be able to help borrowers that may have difficulty finding funding elsewhere.

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