Most Affordable Way to Build a House

A story of an affordable tiny home constructed from the waste stream.

By Wayne Bowman
Updated on February 10, 2026
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by Wayne Bowman
The completed house and deck, costing the author less than $2,500 to build.

The most affordable way to build a house is to aim for a tiny home and use materials that would otherwise go to the waste stream.

There’s a lot of talk about the lack of affordable housing. Years ago, my ambition to build an affordable house was stimulated by a story of a lumberyard having problems staying open during the depression of the 1930s. Business was very slow, so the owner avoided layoffs by having his workers collect damaged and surplus building materials to build a house using an assortment of mismatched or damaged doors, windows, and flooring. The building project was completed during a single winter. The income from the sale of the house prevented layoffs and allowed the lumberyard to survive the depression.

I decided to build one. My version could be built by almost anyone with basic building skills. As a retiree, I drew from a variety of lifetime experiences, especially growing up on an Iowa farm. I combined the ingenuity powers of the farm boy, summer jobs, and mechanical aptitude with YouTube research on plumbing and electrical skills to complete the project. I had the time of my life designing, collecting, and prepping building materials for this. I hope the concept can be used to address the housing shortage in rural areas and to keep usable materials out of the landfill.

The Plan

This floor plan has an efficient use of space by having only one window and no hallways. It has three exterior French doors with full-length pane glass, making it possible to maximize wall space and still have a good view, natural light, and ventilation. The living room seems larger than it is because of the open alley kitchen. A mini-split heating and air-conditioning unit could be installed above the patio door.

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