We’ve all seen the renovation shows where a massive kitchen overhaul costs $30,000 and takes three days. But when homeowners sit down to plan their own projects, the real numbers can be a jarring wake-up call. This phenomenon is known as "sticker shock," and it usually happens because a renovation budget is far more than just the cost of lumber and tile.

From the often-overlooked fees of structural and civil engineers to the complexities of impervious coverage, setback requirements, and stormwater management, the "invisible costs" add up fast. Add in contractor markups, permit fees, and the inevitable change orders, and a budget can quickly derail if you aren't prepared.

In this guide, Robert Smith of Fresh Start Designs breaks down exactly where the money goes during a remodel or addition. Learn how to distinguish between "Construction Cost" and "Project Cost," why you need a contingency fund, and how to educate yourself so you can build with confidence—not anxiety.