The expense in a house is the kitchen, bathrooms, flooring, trim, siding, windows, and doors. I am sure you could search the Inet and find the average percentage cost of the items in a house.
There is a program called RESFEN that uses parameters from your house design, such as square footage, window sizes, various Windows performance values, etc, and calculates the energy usage and cost of the house design. The program is free and I think created by the US Government.
LBNL Window & Daylighting Software -- RESFEN
I used RESFEN to pick the windows we used in our house. I plugged in the performance numbers for various window brands to see how they would effect our energy usage. Then compared those results to how much the various window brands cost and choose accordingly.
Designing passive heating and cooling into a house is not hard. For little to no cost you can get free heat gain in the winter. We have done this and it works well. I think passive cooling might cost more depending on the design and does nothing for HUMIDITY but it is worth investigation. To help with the heat we put in 10 foot tall ceilings to keep the heat away from us which does help. 10 feet is pretty short compared to older buildings.
We have 100 year old buildings in town and they look like they have 16' ceilings. If you look at old deep south/Florida houses they have very tall ceilings and often wrap around porches to shade the windows and trap breezes. Often the house is built quite a bit off the ground as well. None of which really deals with humidity.
We looked at an energy efficient house design when we were researching the house. The house was designed to use passive cooling and heating. The problem was that the designed required two or three stories. One of our requirements was that the master bedroom, kitchen, living room, etc. be on one level. To do this with the company's floor plan, you had to have a very large house. Over 6,000 sf large.

Not happening. :laughing:
I did talk with and read about people who had bought these houses. The passive solar worked just fine. The passive cooling was so so. The design just could not deal with humidity and the owners eventually put in central AC to handle the NC humidity in the summer.
On nights with low summer temps we open our windows to cool off the house and then run the AC as needed during the day. This works quite often. Last night was an exception because it was 82 degrees at 10:00pm.

The day temp was 96 so that is an exception.
We also have a whole house fan that we use from time to time to dump heat out of the house and to create a "breeze". We do not use the fan much. Good quality, quiet ceiling fans are a must.
Later,
Dan