That is an excellent question.
Some people do build their own web sites.
There are product reviews in almost every computer magazine for new web construction tools. Well, the answer depends on how professional you would like the finished product to be, how much money you are willing to spend, and how long you are willing to wait. Then you will either need a training course or two on how to use them all, and use them together to achieve the desired results, or you will need to spend at least a few dozen hours with trial and error. A course on your image editing package is a must. Although we might exaggerate certain elements a little bit, it should show you that you need to spend a lot of effort and money before you are able to layout and build your very own web site graphics and HTML codes.