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 tha

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

What if the reason you’re still not building isn’t money… but the idea that you must finish everything before you can start? A lot of CDO lot owners delay for years waiting for a “complete budget.” Meanwhile, prices rise, rent continues, and the dream keeps moving farther. The smarter move is Phase 1: build the livable core now—upgrade later. What a Phase 1 House Really Means (Simple + Livable) Phase 1 is the minimum complete home  you can live in comfortably: strong foundati

Have you been asking, “Magkano ba talaga?”—but every answer feels like a guess, a sales talk, or a “depende” that doesn’t help? Here’s the truth: “Affordable” in CDO isn’t a fixed price.  It’s a realistic range based on your lot + your design + your finish level + your timeline.  If you don’t lock those, your budget will keep drifting. What Actually Controls the Price (Not Just “Cost Per Sqm”) 1) Your Finish Level (This changes everything) Pick one early: Bare/Core:  livable

You already have the lot. So why does building your house still feel like a “someday” plan—something you keep postponing even when you’re tired of renting, tired of waiting, and tired of watching prices climb? If you’re stuck, it’s rarely because you’re lazy or “not ready.” Most lot owners in CDO delay for 3 very real reasons: unclear budget , fear of going over , and no step-by-step plan . The good news: you can fix all three without needing a massive lump sum. Common Reason

If you already own a lot in Cagayan de Oro, you should feel excited. But most lot owners feel the opposite: stuck, hesitant, and overwhelmed. One month becomes one year. The dream house stays in your head because one question keeps repeating: “What if I start… and the cost explodes?” That fear is valid. Construction is one of the biggest financial decisions you’ll ever make. The good news: you don’t need blind confidence. You need a system that protects you before the first h