My uncle used to do everything in house, even pour the concrete. Now he subs just about everything else, and while it hurts your margin a bit, you have more time to do more houses.
When people ask me I usualy tell them $90-$100 a SF, which is very fair for a higher priced market. But my actual costs are quite a bit lower than that.
Brian was quite surprised when he did the math on my last house.