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You can call up some local architects who will often be more than happy to give you rough guidelines for pricing for new construction.  The ranges I've seen vary widely, from about $120-$150 at the low end (think cheap floors, trim, and appliances), up to over $400/sq. ft...  and it can go way...

I've always wondered about prepaying mortgages because it seems counter to my rational thinking.  For example, you buy a house for 500k and finance 400k.  The value goes up to 600k after a few years and you want to sell.  Your gain is 100k regardless of whether you made the minimum montly...