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Planning ranges (construction only):

Tier

CDO 2026 budget range (₱/sqm)

What it usually means

BASIC

₱25,000–₱30,000

Clean, durable essentials; standard materials/fixtures

STANDARD

₱30,000–₱40,000

Better tiles/fixtures, nicer look, more detail work

PREMIUM

₱35,000–₱60,000+

High-end finishes/custom details; widest variance

These ranges are anchored on recent CDO contractor guidance (e.g., basic ₱25–28k, mid ₱29–33k, high-end ₱34–40k+)  and PH-wide high-end finish bands that often land ₱40–60k/sqm when you go premium/luxury selections.

Quick total budget examples (construction only)

Floor area

BASIC (25–30k)

STANDARD (30–40k)

PREMIUM (35–60k+)

60 sqm

₱1.50M–₱1.80M

₱1.80M–₱2.40M

₱2.10M–₱3.60M+

80 sqm

₱2.00M–₱2.40M

₱2.40M–₱3.20M

₱2.80M–₱4.80M+

100 sqm

₱2.50M–₱3.00M

₱3.00M–₱4.00M

₱3.50M–₱6.00M+

What’s typically INCLUDED (fast checklist)

BASIC

  • Structure + roof + exterior paint

  • Basic electrical & plumbing rough-ins + basic fixtures

  • Standard tiles (common areas), basic doors/windows, basic ceiling (often simple)

STANDARD

  • Upgraded tiles, better ceiling/lighting layout, nicer kitchen/toilet finish level

  • More design detailing (façade lines, trims), better fixture brands (allowances)

PREMIUM

  • Larger-format tiles / premium paint systems / upgraded aluminum & glass

  • Custom cabinetry, higher-end sanitary/lighting, feature walls, more complex rooflines/details (cost jumps fast)


What’s commonly EXCLUDED (don’t get surprised)


  • Land cost

  • design fees

  • permits/processing

  • utility connections

  • fences/gates

  • landscaping

  • furniture/appliances—often outside the “per sqm construction” quote unless stated.


If you tell me floor area + number of storeys + target tier, I’ll compute a one-line budget + contingency that’s tight enough to use for quoting.

CDO 2026 construction cost (BASIC • STANDARD • PREMIUM)
CDO 2026 construction cost (BASIC • STANDARD • PREMIUM)
 
 
 

If you only budget for “construction,” you’re setting yourself up for the most painful surprise: the real bill shows up in the extras—permits, siteworks, utility connections, and furniture you need just to live.

Here’s the all-in cost formula smart homeowners use:


All-In = Construction + Permits/Design Fees + Siteworks + Utilities + Furniture/Appliances + Contingency

What usually gets missed:

  • Permits & professional plans (processing + signed/sealed requirements)

  • Siteworks (excavation, backfill, drainage, hauling—this can swing big)

  • Utilities (power/water connection, rough-ins, upgrades, internet conduits)

  • Furniture & essentials (beds, cabinets, curtains, lighting fixtures, appliances)


The solution: stop guessing. Lock floor area + finish tier, then request a BOQ with written inclusions/exclusions. Add a 10–15% contingency so “unexpected” doesn’t break you.


Want a copy-paste All-In Budget Checklist (with line items + allowances)?

Comment/DM “ALL-IN” and I’ll send it.



How much will it cost all-in to build a house?
How much will it cost all-in to build a house?

 
 
 

Budget Build Rule: If It’s Not Written, It Will Cost You Later

 

 Most “overbudget” builds aren’t caused by bad luck. They’re caused by unclear scope. If scope is fuzzy, cost becomes elastic.

  

Do this first: lock floor area. Don’t “add a meter” repeatedly. That’s how budgets die slowly.

 

Next: demand a BOQ by phase. Even a basic BOQ forces clarity: foundation, structure, roof, walls, MEP, finishes, external works.

 

Then: confirm inclusions/exclusions in writing. This is where surprise costs hide: hauling, temporary power/water, septic, permits, gate, landscaping.

 

Now the real weapon: a written variation order process. No verbal changes. Every change must show: added cost + added days before approval.

 

Finally: pay by milestones, not dates. Your payment schedule should match completed work. If work isn’t complete, payment doesn’t move. This single rule keeps projects honest and predictable.

 

 Want a BOQ-style checklist you can use even if you’re not an engineer?

DM ‘BOQ’ for the printable checklist.

 

Budget Blowout Prevention (BOQ + Scope + Milestones)
Budget Blowout Prevention (BOQ + Scope + Milestones)





 
 
 

Contact Us

Wallpro Systems & Const Inc

2F RPM Bldg. Golden Glow North Commercial Macapagal Rd., Upper Carmen Cagayan de Oro

9000, Philippines

+63917-5156755

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Mon - Fri: 8:00 AM - 5:00 PM

Sat: 8:00 AM - 12:00 PM

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