This study presents a detailed investigation of the energy and thermal performance of buildings in the Philippines’ metropolitan cities, targeting sustainability and indoor comfort against the backdrop of the country’s tropical maritime climate. Utilizing a blend of occupant surveys, energy audits, climate data analysis, and building envelope assessments, the research employs Computational Fluid Dynamics (CFD) simulations to accurately evaluate energy use and thermal behaviors in residential and commercial structures. Key findings include distinct nighttime energy consumption patterns in residential buildings and the identification of climatic challenges such as high temperatures and humidity. The study proposes effective design interventions like enhanced ventilation, shading solutions, and the integration of Phase Change Materials (PCMs) for improved thermal efficiency. Significantly, the research contributes to policy development by suggesting updates in building energy codes and advocating for energy-efficient practices. Overall, the study provides actionable insights for enhancing building sustainability and occupant comfort in urban Philippine settings.