I’m not sure if your home is a ranch or two story level house. Where the specs showed 5th room out in model house? If it’s building up (aka to make 2 story) or building out from excising foundation? That makes a difference on your estimate and 100K makes sense for the building up from scratch.
Our house was build as 5 bedroom/2.5 bath home when we bought it. All 4 bedrooms are upstairs while 5th with windows and closets is downstairs is our home office. I would 100 percent make that 5th room into a “bedroom” with windows and a closet. More resale value when it’s billed as a true bedroom vs. a room.
We already have existing walk up attic that isn’t finished. Our estimates for that is 80K just to finish it with proofing the room, insulation, heating, AC, and making existing windows bigger with closets.
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Mummy to DS1-6/11 and DS2-1/14