The dominant factor is never technology — it remains unclear scope. Each unanswered question in the requirements is converted into padding in the estimate. A vendor that has no visibility into what happens on the unhappy path has to assume the worst. Spending a week on a discovery phase often reduces the overall figure by far more than haggling over hourly rates.
Third-party integrations tend to be the second big multiplier. A form that saves data is easy to estimate; the same screen wired into an old accounting system is not. The cost hides in the other system: rate limits and sandbox access, hire php architect long certification processes, data that does not match your model. Ask each bidder to list every external system, as that is where the numbers slip.
The requirements nobody writes down quietly rewrite the estimate. An internal tool used by twenty people costs far less than the same functionality serving thousands of external customers. Audit and compliance requirements, high availability, performance under load, data retention rules and multi-language support add measurable effort. State them early or else expect the estimate to move later.
The team you are quoted matters. An hourly rate tells you little on its own: a senior engineer at a higher rate is often less expensive in the end than two juniors who require heavy code review. Also ask who else is billed: coordination, quality assurance, DevOps and UX design are legitimate costs, but they must be named rather than hidden inside a blended rate.
The build price is never what you will actually spend. Budget for infrastructure, paid APIs, monitoring and an ongoing support budget for flutter consulting services every year the software runs. A common working assumption says that software in active use consumes a recurring percentage of the original budget every year for updates, security patches and small improvements. Ignoring this has always been the most common budgeting mistake.