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House construction cost estimate
Floor area × cost per sq m, labor and materials, permits, contingency and payment by stage
Owner: [YOUR NAME]
Location of the lot: [ADDRESS]
House: [TYPE: BUNGALOW / TWO-STOREY, BEDROOMS]
1. The estimate
What Amount
Floor area [AREA] sq m
Construction cost per sq m (contractor's quote) ₱ [AMOUNT]
Construction = area × cost per sq m ₱ [AMOUNT]
of which materials ₱ [AMOUNT]
of which labor ₱ [AMOUNT]
Plans, permits and supervision ₱ [AMOUNT]
Contingency ₱ [AMOUNT]
Total to prepare ₱ [AMOUNT]
Cost per sq m with everything: ₱ [AMOUNT]. Average spending per month while building ([MONTHS] months): ₱ [AMOUNT].
2. Payment by stage
Stage Share Amount Paid
Mobilization, site clearing and layout 4% ₱ [AMOUNT] ☐
Excavation, footings and foundation 14% ₱ [AMOUNT] ☐
Columns, beams and slab 22% ₱ [AMOUNT] ☐
Walls (CHB) and plastering 14% ₱ [AMOUNT] ☐
Roof framing and roofing 12% ₱ [AMOUNT] ☐
Electrical and plumbing rough-in 10% ₱ [AMOUNT] ☐
Doors and windows 8% ₱ [AMOUNT] ☐
Tiles, ceiling, paint and fixtures 14% ₱ [AMOUNT] ☐
Clean-up and turnover 2% ₱ [AMOUNT] ☐
Construction total 100% ₱ [AMOUNT]
The shares are an example. Write the ones in your contract, and pay each stage only when it is done and checked.
3. Building permit checklist
Done To do
☐ Application for building permit on the prescribed form, with a description of the work (PD 1096, s. 302)
☐ Certified true copy of the title (TCT) of the lot; if you are not the owner, the owner's consent or lease (s. 302)
☐ Latest tax declaration and real property tax receipt of the lot
☐ Plans and specifications signed and sealed by a licensed architect or civil engineer: architectural, structural, electrical, plumbing (s. 302)
☐ Barangay clearance for the construction
☐ Bill of materials and cost estimate; structural computations if the Building Official asks
☐ Electrical, plumbing and other ancillary permits filed together with the building permit
☐ Contractor's licence (PCAB) and the construction contract, if you hire a contractor
4. Before signing with a contractor
Done To do
☐ Two or three written quotations for the same plans
☐ A contract with the scope, the materials, the price, the stages and the completion date
☐ Who buys the materials — and who keeps the receipts
☐ Retention: an amount kept until the house is turned over and checked
☐ Who gets the permits, and who pays for them
☐ Warranty for defects after turnover
The rules No one may build, alter, repair or demolish a building without first getting a building permit from the Building Official of the city or municipality (PD 1096, National Building Code, s. 301). The application needs a description of the work, a certified true copy of the lot's title (TCT), and plans and specifications by licensed professionals (PD 1096, s. 302). The cost per square meter is not set by any law: it depends on the design, finishes, location and contractor. The figures here are examples — get written quotations. Labor and materials split, plans and supervision, contingency: your choices, shown as percentages so you can match your contractor's breakdown.
An estimate, not engineering advice. The cost per sq m is an example, not a market price; the lot, furniture and appliances are not included. Checked 21 October 2026.