The Improbable Bulk
Join Date: Jul 2005
Location: Wilkes-Barre, PA
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Depending on shop rate, and bike build, it may cost $100+ I saw a thread somewhere and someone had 2 estimates for their build and as I recall the estimates were $200 and $300... but apparently he happened to pick the 2 most expensive shops in the city.
To build your own is not that hard. I did it when I was a teenager, and since, but there is some comfort in having it professionally done. I just got my bike built, full 105 on an old (but great condition) Schwinn Voyageur frame. Custom wheels, plus group, plus framesaver (with application), plus assembly was about the retail cost of a new entry level bike with Sora...
I would have built it myself, but I simply wanted them to build it this time. Once I get into a home and have a more reasonable shop area, then the bike shop will do less and less.
You can walk the line in between doing it yourself and having the shop do it. To avoid the need for special tools you can have a shop chase/face and install the BB and headset. After that, the need for specialty tools is pretty much done.
If you are comfortable with bolting on components, running cables and wrapping bars, there is little else to building a bike once the BB and headset are installed. Of course, the hardest part is fine tuning, and making sure you do the installation right which just takes time, and you can find the "how to" online, or ask in a forum.
So, in short... You do have options.