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Andy, On top of the $90-$100k you need to add the additional footings costs, service connections, additions to standard inclusions (nice things that everyone includes like auto roller door, portico, slightly bigger this and that). 3x1x1 you should be looking at around $140k but depends on...

As DreamBig has said already, you'll be struggling to build anything for $100k. A villa/courtyard home will be $140k+ for a 3x2x1. With the building delays due to the FHOG demand it will take 15 month minimum at the moment too. As a rule of thumb I take the advertised price of a house build...