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Top-Rated Custom home builders in Charlo - Updated Nov 2026

Avatar for R&T Services
R&T Services
5.0(
5
)
Find a Custom Home Builder

Serving Charlo, MT and surrounding areas

Free estimates

Warranties offered

"They are excellent contractors. They listen to what we wanted done, made suggestions as to how to improve upon our ideas and did excellent work. They have a great eye for detail . They exceeded our expectations and did it at a fair price."
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+17

Response time2 days
Recommended by100%of homeowners
Avatar for Lundgren Homes
Lundgren Homes
4.6(
14
)
Find a Custom Home Builder

Serving Charlo, MT and surrounding areas

In business since 2003

Free estimates

Emergency services offered

"Very very good, took two hours, but it was NO easy task either! We tried for a week Chayse did within x2 HRS! He's coming back in the future to assemble shelves and a chest of drawers, Ikea style. Thank you Angie's List for having close to our home Service Handyperson! PLEASE Change your title as females, LBT or not can ALSO DO THE JOB!"
Bathroom before picture. The existing sink sticks out a couple of inches into the doorway.
A functional sink was installed that did not come out into the doorway. A custom cabinet needed to be built for the plumbing.
Tiny Old Bathroom Remodel
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+26

Recommended by100%of homeowners
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Custom Home Builders FAQs, answered by experts

One of the best ways to negotiate with a homebuilder is to forgo price reductions. Instead, negotiate over upgrades and incentives, as many builders are more willing to go down that road than to decrease their own fee. Even if they were willing to take a cut, a reputable homebuilder often knows their worth, so a willingness to negotiate could be a red flag. Beyond that, builders are typically willing to negotiate closing costs instead of offering a discount on the base price.

The average cost to build a modular home is around $270,000, and most modular homes total between $180,000 and $360,000. Of course, this price varies significantly by location, and the price tends to follow the cost of living in the area. There are quite a few other factors at play that can affect your pricing, including the following:

  • Number of bedrooms and bathrooms

  • Site preparation, including land clearing and leveling

  • Type of foundation

  • Utility connections

  • Cost of building permits

The term “cottage” is subjective, so there’s no rigid definition, but it generally refers to a small home with simple and purposeful architecture that embraces nature and focuses on charm over everything else. Cottages are typically 1 or 1 1/2-stories tall, usually with gabled roofs, and are built out of natural materials that help make the structure a part of the surrounding nature rather than something that stands out from it. A big part of what makes a cottage a cottage is the decor, which includes natural materials from the nearby area.

A-frame homes are on the smaller side. While there’s no set square footage amount it has to be, it will usually come in around 1,000 square feet or smaller.

A custom home is one that you design from the ground up, allowing you to customize everything from the square footage to the interior layout to all of the materials used. A spec home is one that a builder has designed and gotten approvals for. Spec homes may give you some limited options for the layout and materials, but most of the build is pre-set. Custom homes cost more and take longer to build.

The Charlo, MT homeowners’ guide to custom home building

From average costs to expert advice, get all the answers you need to get your job done.