Custom vs. Semi-Custom Homes in DeSoto, TX

By Steven J. Thomas

Introduction
If you're building a home in DeSoto, TX, you’re probably weighing your options: custom or semi-custom? The difference comes down to control, cost, and timeline. This guide breaks it all down so you can make the best decision for your budget and lifestyle.

Need help comparing builders or neighborhoods? Download the Lone Star Living App now to access real-time listings, builder incentives, and planning tools.

Key Takeaways

• Custom homes offer full design freedom and require more time and money.

• Semi-custom homes are faster to build and often more affordable.

• DeSoto has options for both, with local builders ready for either path.

Neighborhood Spotlights: Where Custom and Semi-Custom Homes Thrive

In DeSoto, newer subdivisions offer both types of builds:

• Mockingbird Hills: Semi-custom homes by Bloomfield Homes and First Texas Homes.

• Stillwater Canyon: Larger lots and a few fully custom builds.

• Frost Farms Estates: Known for its custom estate homes with gated access.

• Ten Mile Creek: A mix of move-in ready and customizable floor plans.

Want to see what these communities offer? Explore Dallas-Fort Worth New Construction Homes to browse live listings.

Local Market Trends (2024–2025)

In 2025, DeSoto's average new construction price sits around $395,000, with custom homes ranging $500,000+ depending on finishes and square footage. Semi-custom homes fall between $330,000–$425,000.

According to NTREIS (July 2025), construction timelines are trending 6–9 months for semi-custom and 9–14 months for full custom builds.

If you’re thinking of building new, our Rebate Program can help reduce closing costs.

Cost Breakdown: Custom vs. Semi-Custom Homes

Custom Homes:

• Full control over layout, finishes, lot use

• Higher architectural and design fees

• Longer timelines, more inspections

• Average cost per sq. ft. in DeSoto: $175–$225

Semi-Custom Homes:

• Choose from a builder’s base floor plans

• Some personalization of finishes (cabinets, flooring, etc.)

• Shorter build time

• Cost per sq. ft. in DeSoto: $130–$160

Ready to begin the process? Get Pre-Approved to understand what type of build fits your financing.

Builder and Community Insights

Custom Builders in DeSoto

• Local builders include Norris Custom Homes and Kennedy Custom Builders.

• Often work on estate lots or buyer-owned land.

Semi-Custom Builders Active in 2025

• First Texas Homes

• Bloomfield Homes

• Kindred Homes

Learn how to navigate builder contracts in our New Construction Webinar.

Financing & Builder Incentives

In 2025, interest rates on new construction loans are around 6.5%. Custom builds often require land financing plus a construction loan. Semi-custom homes usually qualify for traditional mortgages.

Builder incentives in DeSoto include:

• Paid closing costs

• Free upgrades (semi-custom)

• Lot premium waivers (custom)

Thinking of selling instead? Check your Home Seller Score to time your move.

Mini How-To: Choosing Between Custom and Semi-Custom

1. Set your total budget and timeline.

2. Decide how much control you want over design.

3. Tour both model homes and builder galleries.

4. Review all upgrade and lot premium fees.

5. Ask about financing requirements.

6. Compare incentives and resale value.

Conclusion
Custom and semi-custom homes both offer paths to personalizing your space in DeSoto. The right choice comes down to your timeline, budget, and design goals. Whether you want complete creative control or a move-in ready experience with room for upgrades, DeSoto has builders who can deliver.

Compare live listings and builder options in your area: Download the Lone Star Living App now.

Also check our New Construction Home Guide for detailed prep steps.

You're Always Home With Refind Realty!

FAQs

1. What is a semi-custom home?
A home based on a builder’s standard plan with limited changes to finishes and layout.

2. How long does a custom home take to build in DeSoto?
Usually 9–14 months depending on permitting and weather.

3. Are custom homes more expensive?
Yes, due to unique plans, higher-end materials, and longer build time.

4. Can I buy land and hire a builder in DeSoto?
Yes, most custom builders allow you to bring your own lot.

5. Is financing different for custom builds?
Yes, you’ll likely need a construction-to-perm loan with different approval steps.

6. Can I modify a semi-custom home floor plan?
Somewhat. You can request minor layout changes or upgrades.

7. Do builder incentives differ by home type?
Yes. Semi-custom often includes upgrade packages, while custom builds may offer lot discounts or design credits.