Many people have the misconception that a masonry  house is unaffordable. What people don't realize is that by building a masonry home, you can save money. You will save on utility bills in both  the summer and  the winter because of the mass thermal performance. There may be a savings on home owners insurance, because masonry is fire proof and termite free.  Not only will you save money, but you will save your time because of the low maintenance on a masonry home. Your savings will grow plus you'll have a beautiful home.