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looking for cost efficient to build house plan

Maybe I'm looking for too much. I know two stories are cheaper to build, so that's OK, but I want the master bed and bath downstairs. Either 3 bedrooms and bonus room, or 4 bedrooms. separate laundry room that isn't a walk through to the garage. a side entrance garage would be ideal for the particular lot.

When I look at plans they give low to high estimates on building costs (some of them anyway). They show Summerlake as $240,000 low estimate for my area, which is NC. Goes up from there. Houses with the master bdr upstairs can be found that are estimated at $158,000 to build on the low side.

So two questions: Anyone familiar with a plan that meets these criteria? I've been on dozens of websites looking. I know mightyanvil cautions to stay from house plan mills, but where do I go to look?

2nd question: Are those of you that are building Summerlake finding those kinds of costs? I don't have a way to gauge their accuracy at estimating.

Thanks for any help you can provide.

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