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How to budget for a renovation in Budapest: step by step

📅 2026-07-07⏱ 5 min

On most renovation projects the final figure is higher than the client originally planned. This isn't always the contractor's fault — often the budget wasn't planned realistically. Here's how to do it right.

Step 1: Define the scope of work

Before anyone quotes, you need to know: what exactly do you want done? Make a list: which rooms, what renovation level (cosmetic/mid-range/full), does the plumbing stay, are windows being replaced? The more precise the scope, the more accurate the price.

Step 2: Get an itemised quote

Don't accept a "per m²" price without discussion. An itemised Excel quote shows you exactly what you're paying for. No line items = no transparency.

Step 3: Plan a contingency

Every renovation can reveal hidden problems: old pipes, moisture, poor floor base. Always plan at least 15–20% contingency on top of the main cost. Those who don't typically panic at the first unexpected item.

Rule of thumb: quoted price × 1.15 = realistic final budget for simple renovations. For older Budapest buildings (districts I–VII, pre-1900): × 1.20–1.25.

Step 4: Prioritise

If budget is limited, decide: what you must not cut corners on (plumbing, electrical, waterproofing), and where you can (surface finishes, furniture, decor). Never compromise on structural or mechanical work quality.

Step 5: Fixed price in the contract

The only way your budget is actually a budget: fixed price in the contract. No surprises at final invoice. At ConSol we guarantee this on every project.

Frequently asked questions

What is included in the total renovation cost?

Total cost: labour + materials + contractor coordination fee + permit costs (if applicable) + contingency (15–20%). Most people forget the last two items.

What payment order should I follow?

Recommended: 20–30% deposit at start, milestone payments (e.g. plumbing done, tiling done), and 10–20% at handover. Never pay everything upfront.

Can renovation be financed in instalments?

Yes — a bank personal loan, government subsidy programmes (if the property qualifies), or a payment schedule agreed with the contractor. Worth discussing before the project starts.

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