Buyers assume resale homes are the more affordable route—but that’s not always true in 2025. In Lubbock, some new builds come with lower monthly payments and upfront costs than comparable resales. The difference? Builder incentives and smart financing strategies.

If you're comparing options - a few things to consider before deciding which direction makes the most financial sense for you.

1. Builder Incentives Are Shifting the Numbers

Local builders are offering thousands in perks—like closing cost coverage, rate buydowns, or included upgrades. These aren’t surface-level bonuses. They directly reduce how much cash you need upfront and how much you’ll pay each month. A $285K new build with incentives can end up costing less than a $275K resale without them.

2. Resale Doesn’t Always Mean Ready

Older homes may seem cheaper, but unexpected repairs and energy inefficiencies add up. Factor in the cost of deferred maintenance, inspection issues, and lack of warranty coverage, and what looked like a deal might cost more long term.

3. You Deserve a Clear Comparison

Every buyer's priorities are different. What matters is understanding how the numbers actually play out based on your financing, timeline, and long-term goals. That’s where local insight—and the right questions—make all the difference.

Want Help Comparing Options?

We’ve created a short quiz to help you get matched with new construction homes that align with your goals—and offer real incentives that make a difference. It’s a simple first step toward finding a home built for you.