Is Building a Home in Chaffee County Right for You?

Here’s What to Know

When searching for property in Salida or the surrounding areas of Chaffee County, some buyers look beyond existing homes and consider building a custom home or purchasing a new construction project. Whether you're envisioning a modern mountain retreat or a remote homestead, here are some key considerations to help you decide if building is right for you.

Why Consider Building Your Own Home?

Building a home allows you to design a space that matches your lifestyle—whether it’s an open-concept layout, energy-efficient systems, or a specific architectural style. Custom homes offer unmatched flexibility. While remodeling an existing home can get you part of the way there, new construction lets you start fresh and create exactly what you want.

Pros and Cons of Custom Home Construction

The Pros:

• Full control over layout, finishes, and systems

• Opportunity to incorporate sustainable or energy-efficient designs

• Avoid costly renovations or compromises

The Cons:

• Extended timeline—often 12 to 16+ months

• Requires design, permitting, and approvals before construction begins

• Additional costs not typically associated with resale homes (e.g., architectural fees, infrastructure, and site work)

A custom build is a rewarding process, but one that requires planning, patience, and the right team.

Rural Building Considerations

If you're looking to build outside Salida city limits or in unincorporated Chaffee County, there are several important factors to keep in mind:

• Wells and Water Rights: Many rural properties do not have access to municipal water. You may need to drill a private well. Augmentation, well permits, and drilling costs should be evaluated before purchase.

• Septic Systems: Instead of city sewer service, rural homes typically rely on septic systems. The suitability of a site for septic depends on soil type and topography. A percolation test and proper permitting are required to install a system.

• Access and Utilities: Some parcels may lack year-round road access, power, or broadband service. It's important to understand the cost and feasibility of bringing in utilities—or to consider off-grid options.

• Zoning and Land Use: Chaffee County’s zoning regulations vary by location and may restrict what you can build, the size of your home, whether you can add an accessory dwelling unit (ADU), or use the property for agriculture, short-term rental, or home-based business.

How I Can Help?

As a local real estate professional with deep experience in land sales, rural property development, and new construction in Chaffee County, I help clients:

• Identify suitable land based on goals, budget, and feasibility

• Connect with trusted builders, architects, well drillers, septic professionals, and surveyors

• Understand local zoning and building regulations

• Navigate water rights, easements, and utility access

• Coordinate due diligence and help avoid common pitfalls

I can also help you evaluate financing options, including construction loans, which are short-term loans used to fund the building process. These loans differ from traditional mortgages and typically require a detailed set of plans, a contractor bid, and a timeline for completion.

What is New Construction?

Not every buyer wants to start from scratch. New construction can include:

• Stock Plan Homes: Builders use pre-approved plans, reducing design time while still allowing for some personalization.

• Spec Homes: These are homes currently being built or recently completed. Buyers may be able to choose finishes if construction isn’t too far along.

Thinking About Building in Salida or Rural Chaffee County?

Whether you’re dreaming of a custom home in the mountains, exploring land for off-grid living, or looking into spec homes and new construction neighborhoods, I’m here to help. With a clear understanding of local land use, development requirements, and construction options, I can guide you every step of the way. Let’s talk about your goals and find the right path forward. Visit LiveInSalida.com to browse available land listings, explore building options, or get in touch.