If you leave aside the price of the plot, how do houses of a similar size compare when built US style vs. European style? European seems to require more money u

If you leave aside the price of the plot, how do houses of a similar size compare when built US style vs. European style? European seems to require more money up front, but has lower maintenance costs and less wear and tear. But the money you spent up front is no longer available for investments, or you need to pay interests for a larger loan. After how many years is the break-even point reached?