Mythbusters: Debunking New Construction vs. Resale Home Purchase Costs in Florida

October 15, 2025  |  Industry News, Market Info, Real Estate

Buying a home in Florida is exciting whether you’re dreaming of coastal living, a quiet inland retreat, or a more urban resort-style community full of sunshine and amenities. But when comparing new construction homes to resale homes, misconceptions often get in the way of smart decisions.

Holiday Builders separates fact from fiction to bust a few common myths Florida homebuyers hear all the time.

Myth #1: “New construction homes are more expensive.”

Truth: The sticker price can be misleading.

While a resale home might seem cheaper upfront, new construction homes often win out over time. Why? Everything is brand-new and under warranty from the roof to the ground including HVAC, appliances, plumbing, and more. You won’t face costly repairs or surprise replacements right after moving in.

Florida’s heat, humidity, and hurricane seasons can be tough on older homes. New homes are built to current Florida Building Codes, designed for energy efficiency, wind resistance, and moisture protection. That translates to lower energy bills and fewer headaches in the long run.

Bottom line: The true cost of owning a new home in Florida is often less than a resale once you factor in maintenance and utility savings. Plus, if you’re getting a loan to finance your home, Holiday Builders offers lower interest rates for qualified buyers when using our Lending Partner for incredible savings over the life of the loan.

Myth #2: “New homes take forever to close.”

Truth: Not anymore.

Holiday Builders offers move-in ready or quick move-in homes that can close in as little as 30 days, sometimes faster than resale transactions bogged down by inspections, appraisals, or seller contingencies.

If you do choose to build from the ground up, the timeline is clear and structured. Your Holiday Builders’ Construction Manager will provide regular updates on the completion of your home. Furthermore, your closing date is planned and not dependent on another homeowner’s move-out schedule.

Myth #3: “You can’t negotiate with a builder.”

Truth: Builders in Florida often provide valuable incentives instead of price cuts.

Holiday Builders, in partnership with Coastal Loans, may offer to pay a portion of closing costs, offer an interest rate buydown, or design upgrades. This can save you thousands of dollars and make your monthly payment more affordable.

And with resale homes, bidding wars can drive prices above list price while builder pricing tends to be transparent and consistent.

Myth #4: “New homes lack character.”

Truth: Florida’s new home designs are anything but bland.

Holiday Builders’ new homes blend modern architecture with regional style from coastal inspired exteriors to bright, open-concept interiors perfect for entertaining. Buyers can personalize colors, flooring, countertops and cabinets to suit their personal style.

The result? A home that embraces your taste and Florida lifestyle.

Myth #5: “New communities aren’t in convenient locations.”

Truth: Florida’s growth means new communities are popping up near shopping, schools, dining, and beaches.

Holiday Builders offers new homes in many deed-restricted communities with resort-style amenities like pools, clubhouses, fitness centers, and pickleball courts. These are features not often found in older neighborhoods. Plus, Holiday Builders offers many scattered lot communities with easy access to major highways, making commuting or day trips to Orlando, Tampa, or the Gulf Coast, a breeze.

The Takeaway

When it comes to value, convenience, and peace of mind, Holiday Builders’ new construction homes in Florida often outperform resale options. You’ll enjoy modern features, fewer maintenance worries, and a home built for today’s lifestyle and tomorrow’s weather.

Ready to explore new homes in Florida? Whether you’re looking for a quick move-in or want to design your dream home from the ground up, there’s never been a better time to discover what “new” really means in the Sunshine State. Visit HolidayBuilders.com for plans, pricing and incredible sunny locations.

Note: Photographs in this blog post are of the Eden Floorplan in Navarre, Florida. 

This post was written by Tina Suiter.