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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.

You may need a local building permit and written permission from your homeowner’s association to install a shed, especially if you’re doing any substantial land clearing or installing electricity or plumbing. Permit requirements vary between municipalities, so research the local laws before starting your project. If you hire a contractor to build the shed, they can help determine which permits will be necessary.

It is almost always more affordable to buy an existing home than to build a new one. Building a home involves numerous costs, including labor, permits, inspections, utility hookups, and brand-new materials, finishes, and appliances. Additionally, new construction loans can have higher interest rates than traditional mortgages, and property taxes on new homes are often higher, increasing long-term costs. An exception is a DIY house build, which can be cheaper than buying an existing home if you do the labor yourself. While building is generally more expensive, a new custom home offers complete control over the layout and design. Furthermore, new construction is typically worth more than a comparable pre-owned home and may provide a better return on investment if sold quickly.

Rustic and modern farmhouse styles are currently the most popular. These include rustic and antique furniture, muted colors, clean lines, eclectic decor, and natural materials. Some other popular farmhouse styles include the following:

• Coastal farmhouse: Creates a lighter, airier feel with soft colors and blue palettes, along with gold

• Colonial farmhouse: Focuses on real antique furniture and decor

• French farmhouse: Leans on French country architecture and design by including marble and lighter-colored metals, like zinc

• Industrial farmhouse: Includes thick, chunky furniture and dark metals

• Scandinavian farmhouse: Usually includes lighter wood colors and more refined furniture