Enhancing the energy efficiency of urban housing is crucial for improving energy access in Ethiopia, where a persistent gap exists between energy demand and supply. The nationwide Integrated Housing Development Program (IHDP), implemented across diverse climatic zones with limited attention to local context and building energy performance, has inadvertently produced thermally uncomfortable and energy-inefficient urban dwellings. This study employs a scenario-based intelligent energy simulation framework to address this inefficiency by identifying energy-saving opportunities in urban housing, pioneering the smart meter data-driven ClimateStudio-EnergyPlus workflow-validated through machine-readable consumption analytics (R$^2$ = 0.79 in Addis Ababa; 0.64 in Adama) and on-site surveys across temperate highland Addis Ababa and hot-arid Adama. Appliance usage inventory reveals cooking dominance, accounting for 60-62.9% of total loads. Adama's 20% household fan-based thermal coping behavior signals a latent air-conditioning demand projected to surge 31% above baseline in arid lowlands versus 6% in temperate zones as affordability erodes overheating tolerance. Monthly consumption heatmaps reveal unit-size and seasonal interaction effects diverging sharply between cities, with Adama's studio units peaking at approximately 191~kWh/month in the dry season against a stable 150-190~kWh/month range in Addis Ababa. Envelope diagnostics expose a systemic performance gap, wall U-values of 1.61~W/m$^2$K and glazing SHGC of 0.86-0.87 exceeding best-practice targets by three- to fourfold, with Adama's larger glazed area compounding solar heat gain risk in the climate zone least suited to absorb it. Targeting dominant local cooking appliance upgrades yields immediate operational savings of 18-18.9%. Furthermore, these empirical benchmarks recommend region-tailored building envelopes in conjunction with Minimum Energy Performance Standards (MEPS) for cooking appliances, establishing foundational performance data for Ethiopia's unimplemented building codes and informing climate-affordability demand forecasting to achieve policy-aligned efficiency gains.