Upgrades and finish selections: where the money is worth spending

Builder upgrade pricing is generally above retail, so the question is not whether an upgrade is good value in isolation, but whether you can do it later.

Worth considering: anything structural or behind the walls - additional electrical outlets, rough-ins for a bathroom or kitchen island, upgraded insulation or soundproofing where offered, smooth ceilings, and window or door changes. These are expensive or impossible to add after occupancy.

Usually not worth it: appliance packages, light fixtures, backsplashes, mirrors, blinds and paint colours. You can buy and install those yourself for less. Also confirm what you are actually getting in writing, including model numbers, and remember that upgrade amounts are typically due as additional deposits.