The Laguna Oaks home at dusk, gabled roofline against a lit sky with the entry walk glowing

County

Custom home builder in Cameron County, Texas

Fully Loaded rate
$120 to $130 / sq ft
Cities we build in
3
Service area
Cameron County
  • Since 1992

    Building trusted, quality custom homes in the RGV for over 30 years.

  • Family Owned & Operated

    A family led builder crafting custom homes with a personal touch.

  • Serving Hidalgo, Starr, Cameron & Jim Wells Counties

    Your local custom home builder for the entire Rio Grande Valley.

  • A+ Rated Service

    Delivering A+ rated craftsmanship and exceptional client care.

Cameron County runs $120 to $130 per square foot, five to ten dollars above the Hidalgo and Starr tier. The gap is not arbitrary. Cameron sits inside the Texas Windstorm Insurance Association designated catastrophe area, which changes what the structure has to prove and adds an insurance line most inland buyers never see.

01

Windstorm is the real difference

Cameron is a first tier coastal county in the TWIA catastrophe area. Windstorm coverage is quoted separately from your build contract, and windstorm certification requirements affect framing, fastening and openings. This is the single largest reason a Cameron build prices above the same house in McAllen.

02

Budget the difference honestly

On an 1,800 square foot home, the tier difference alone is roughly $9,000 to $18,000 more than the same house in Hidalgo or Starr County. We would rather you see that number now than discover it after you have picked a lot.

03

Three separate permit desks

Brownsville, Harlingen and San Benito each permit inside their own limits, and unincorporated Cameron County is a fourth path. Coastal review adds steps that inland cities do not run.

04

Gulf proximity drives material choice

Closer to the coast, salt air is hard on fasteners, hardware and exterior metal. Specifications that are perfectly reasonable in Edinburg are a maintenance bill in Brownsville, so the exterior schedule changes here.

Primary sources

Flood, windstorm and loan eligibility determinations come from these agencies, not from us. Verify your specific parcel before making a decision on it.

Pricing

What a build costs in Cameron County

Construction cost only. Land, site preparation, permits, utility connections and septic are quoted separately.

Construction cost only. Land, site preparation, permits, utility connections and septic are quoted separately. Rates shown are for single story homes; ask us for a two story quote.
Service regionFully Loaded rateWhy it differs
Hidalgo & Starr County (McAllen / RGV core)$115 to $120 / sq ftOur closest trade base and shortest supply runs.
Cameron CountyYou are here$120 to $130 / sq ftReflects coastal code requirements and longer crew travel.
Alice, TX & the Coastal Bend$130 to $145 / sq ftDistance from our McAllen supply base drives the difference.

Our work

Custom homes we have built near Cameron County

Every one of these was built by the same crews who would build yours, to the same standard, at the rate published for this region.

Every custom home we have built

Questions

Building in Cameron County

All questions
What is the cost per square foot to build in the Rio Grande Valley?

We price every home the same way, one premium Fully Loaded standard, with the rate adjusted by service region. For 2026: Hidalgo and Starr County $115 to $120 per square foot, Cameron County $120 to $130, and Alice and the Coastal Bend $130 to $145.

Every tier includes the same finishes. Nothing is removed to reach a lower number; the difference reflects code requirements, crew travel and supply distance. Your final rate depends on your lot, plan complexity and any upgrades you choose. These rates currently apply to single story homes, ask us for a two story quote.

What is included in the cost of building with South Texas Builders?

Every home is built to the Fully Loaded standard as the baseline, not as an upgrade. Your contract includes a custom kitchen in paint grade materials; a custom exterior in siding, board and batten or EIFS stucco with cedar accents; 9 ft walls throughout with a 10 to 14 ft ceiling allowance in the front areas; granite or quartz countertops through the kitchen, pantry and baths; 3×6 walk in showers; a custom front door with a $2,500 allowance; custom ceiling designs in the dining, living and primary bedroom; a custom entertainment or fireplace wall; custom closets and pantry; 6′8″ interior doors with a $100 per door allowance; and three interior and two exterior paint colours.

Also included on every contract regardless of region: open cell spray foam insulation throughout, a windows allocation of 1.5% of sale price, recessed lighting within your electrical allowance, all permits except windstorm where it applies by zone, ten dirt hauls of 14 yards each, and free custom blueprints with the purchase of your new home.

Quoted separately: land, septic tank, windstorm insurance, appliances, utility connections, dirt hauls beyond the ten included, awnings at $500 each, a concrete pump if your site needs one, and driveway area beyond your garage allowance. We review every line, included and excluded, before you sign.

Do you build in rural areas of the Rio Grande Valley?

Yes, in both incorporated cities and unincorporated county land across Hidalgo, Starr and Cameron Counties, plus Jim Wells County around Alice.

Rural sites bring their own line items: a water well where there is no city service, a permitted septic system outside sewer areas, longer electrical runs from the pole, and sometimes road improvements so equipment can reach the pad. Many rural parcels also qualify for USDA zero down financing, which can more than offset the site work.

What do I need to know about my land before starting construction?

Seven things, and we check all of them: soil type and bearing capacity, which determines foundation design; drainage, elevation and FEMA flood status; utility availability or the alternatives; zoning, deed restrictions and HOA rules; lot dimensions and required setbacks; equipment access from the road; and a current boundary survey, which is typically required before permits can be filed.

You do not need to gather any of it yourself. Send us the parcel address and we take it from there.

What should I know about building a home in South Texas specifically?

Five things shape every build here. Heat and humidity, which drive insulation, window specification, HVAC sizing and moisture resistant materials. Expansive clay soils, which require engineered post tension foundations. Wind exposure from Gulf weather systems, which sets structural requirements. Termite pretreatment, which is standard in our build process. And FEMA flood zones, which determine foundation elevation before design is finalized.

None of it is exotic. It is simply the difference between a builder who works here and one who brings a plan from somewhere else.

Next step

Build in Cameron County

Tell us the parcel address or the neighborhood you have in mind. We answer with what the land will actually allow, and what it will cost.

Prefer to talk to a person?(956) 594-6936

Free blueprints with your build

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