How can I build a decent PC on a tight budget right now?

Use the secondhand market for the CPU and graphics card, but buy a new power supply and NVMe drive.

Buy the CPU and graphics card used, but buy the power supply and storage new. That split puts secondhand savings into parts that deliver performance while keeping the components most likely to threaten stability or data under a fresh warranty. In 2026, entry-level new parts often offer small gains for a large premium, while the used market still has capable last-generation hardware.1.

Define the job before the shopping list. Choose a firm total and a target such as 1080p gaming, schoolwork, or basic video editing. Include the case, cooling, Windows or Linux needs, Wi-Fi, monitor, and tax so the “cheap” build does not drift upward.2.

Start with a proven CPU platform. A used Ryzen 5 3600- or 5600-class processor is a strong value target because inexpensive DDR4 motherboards and memory remain widely available. Confirm the exact board supports the chip and whether it needs a BIOS update.3.

Let the GPU take the largest performance share. A used RTX 3060-class card can be a practical 1080p target. Ask for a current stress-test video, temperatures, and clear photos; favor a seller who accepts returns.

Avoid listings with no test evidence, unclear history, or a price far below comparable cards—especially a heavily mined card sold “as is.”4. Buy the power supply new. Pick a reputable model with the correct connectors and comfortable wattage headroom.

A questionable used PSU can make the entire system unstable or damage other parts.5. Use a new NVMe SSD. Choose at least 500GB, though 1TB is easier to live with for games.

Fresh storage reduces uncertainty about drive wear and protects the part holding your files.6. Assemble methodically. Test the board, CPU, one memory kit, GPU, and power supply before cable-managing the case.

Then update the BIOS if required and install fresh chipset and graphics drivers.Pro tip: DDR4 is completely sensible for a budget build. Do not trade power-supply quality, storage capacity, or GPU performance for RGB lighting.