House Construction Cost Philippines 2025: Finishes Guide - Basic, Mid-Range, and High-End Options Explained

For many Filipinos, building a house is a lifelong dream. But when it comes to planning, one of the biggest questions is: “How do finishes affect the cost of construction?”

In our earlier article — How Much Does It Cost to Build a House in the Philippines in 2025? — we discussed the general construction cost per square meter. In this blog, we go deeper: focusing on finishes and showing how the same house can look and cost differently depending on the level of detail you choose.

🏠 Average Construction Cost per Square Meter in 2025 (by Finish)

Updated estimates for 2025 show:

• ₱30,000 – ₱35,000 per sqm → Basic Finish

• ₱36,000 – ₱45,000 per sqm → Mid-Range Finish

• ₱46,000 – ₱60,000+ per sqm → High-End Finish

🔹 Basic Finish (₱30K – ₱35K per sqm)

If affordability is the main goal, basic finish is the most practical choice.

Typical Features:

• Plain painted walls (white/off-white)

• Concrete flooring or simple tiles

• GI sheet or plain long-span roofing

• Standard aluminum sliding windows

• Functional, no decorative trims

• Bare concrete pavement, no landscaping

  
  

Who is it for? Homeowners who want a safe, livable, and budget-friendly house — ideal for starter homes or rental units.

🔹 Mid-Range Finish (₱36K – ₱45K per sqm)

This is the most common choice for Filipino families, balancing affordability with comfort and modern aesthetics.

Typical Features:

• Neutral-colored walls with subtle accent trims

• Ceramic or porcelain tiled flooring

• Pre-painted long-span roofing with insulation

• Powder-coated aluminum or UPVC windows (darker frames)

• More customized layouts with balconies or trims

• Tiled walkways, small grass patches, and minimal plants

Who is it for? Families who want a durable home with a clean modern look without overspending.

🔹 High-End Finish (₱46K – ₱60K+ per sqm)

For those who want a home that reflects luxury and long-term value, the high-end finish provides premium quality.

Typical Features:

• Combination of textured paint, wood accents, or stone cladding

• Imported tiles, natural stone, or engineered wood floors

• Premium roofing (roof tiles or insulated panels)

• Sleek floor-to-ceiling glass windows with dark frames

• Designer kitchens and bathrooms

• Modern fence, landscaped frontage, accent lighting

Who is it for? Homeowners who value design, comfort, and sustainability. Perfect for signature residences or investment properties.

📊 Example Computation (100 sqm House)

• Basic Finish → ₱3.0M – ₱3.5M

• Mid-Range Finish → ₱3.6M – ₱4.5M

• High-End Finish → ₱4.6M – ₱6.0M+

📝 Important Notes

• These figures are estimates only. Final costs depend on location, design complexity, and contractor pricing.

• The guide covers construction only (labor + materials). Excluded are:

  • Architectural & engineering design fees

  • Building permits & clearances

  • Site works (driveway, fence, landscaping)

  • Utility connections (Meralco, Maynilad, internet)

  • Furnishings & appliances

For a broader overview of overall house construction cost in 2025 (not just finishes), check out our original blog: How Much Does It Cost to Build a House in the Philippines in 2025?.

🎯 Conclusion

Your house’s cost is not just about size — it’s about finishes. The same 100 sqm house can cost ₱3M or ₱6M depending on the materials and details you choose.

At KDA Design + Architecture, we guide homeowners in choosing the right balance between budget and vision. After all, your house isn’t just built — it’s built with vision and designed with purpose.

📚 References

• United Architects of the Philippines (UAP) construction cost guides

• National Building Code of the Philippines (NBCP)

• Local contractor and supplier price surveys (2024–2025)

• KDA Design + Architecture project database