10-year cost of ownership

What your home
costs to live in.

Beyond construction, your home will spend the next decade running. See your true monthly bill — and the payback of solar, efficiency, and design choices.

01

3 minutes. Seven quick steps about your home and lifestyle.

02

PH-specific. Tiered Meralco rates, Maynilad cost, PH labor for household help, Amilyar tax.

03

10-year horizon. Total cost of ownership with utility escalation factored in.

04

Solar payback. Numbers behind the solar PV decision — when it earns back.

Your home

Home basics

Size and occupancy drive most of the monthly bill.

Home size (sqm GFA)

Construction cost (PHP)

Occupants

02Couple

03Couple + 1

04Family of 4

06+Large household

Location

MMetro Manila

CCebu / Davao

PProvince

HVAC

Aircon load

Aircon is typically 40-60% of the monthly Meralco bill.

Number of split-type aircon units

5

Aircon type

Non-inverterOlder / cheaper

InverterModern · 30-40% less power

Usage pattern

Light3-4 h/day

Typical6-8 h/day · nights

Heavy10-14 h/day

Systems

Cooking, hot water & pool

Different systems drive different monthly costs.

Cooking gas

LPG11kg tanks · typical PH

ElectricInduction / electric stovetop

Hot water

Point-of-useElectric per bath

Central LPGMulti-point gas heater

Swimming pool

Pump + chemicals + cleaning

Help & security

Household help & security

For PH residential households.

Maids (live-in)

1

Drivers

0

Security

SDSubdivision (HOA-included)

HiredContracted agency

24h on-siteMultiple guards

Property costs

Tax, dues, insurance

Recurring property-related costs.

HOA / subdivision dues

—None

Basic~₱40/sqm

Mid~₱120/sqm

Premium~₱250/sqm

Property insurance (recommended)

Fire + earthquake + all-risk · ~0.4% of construction value annually

Maintenance reserve (recommended)

Set aside ~1.5% of construction value annually for repairs and system replacement

Lot area (sqm — for HOA calc)

Solar & efficiency

Solar PV / efficiency

Optional — see the payback math.

Install solar PV system

Net-metered grid-tied PV — generates ~4 kWh per kWp per day in PH

Energy-efficient envelope

Better insulation, low-E glass, deep eaves → ~15% less aircon load

Monthly Operating Cost

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Year 1 total

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10-year TCO

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Monthly cost breakdown

Total monthly

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Where your money goes

10-year cost (with 5% utility escalation)

Insights

What your homecosts to live in.