The adoption of renewable energy systems, especially photovoltaic (PV) technology, is rising in response to growing concerns about pollution and global warming. However, temperature accumulation during operation causes typical PV systems to lose efficiency, hence efficient thermal management techniques are required. This study introduces a comprehensive framework to evaluate and compare hybrid PV cooling technologies that utilize phase change materials (PCMs) under the climatic conditions of Baalbek, Lebanon. The originality of the study is due to the use of a thorough parametric analysis that combines different PV/PCM hybrid cooling methods, such as nano-PCMs, fin-enhanced PCMs, and photovoltaic thermal (PV/T) systems, into a single assessment framework. The current novel methodology integrates energetic, economic, and environmental (3E) impacts into a single scalable model. This provides a unified performance benchmark that has a significant advance over previous research focused on single metrics. A total of seven PV cooling systems were the subject of a theoretical investigation utilizing literature-based efficiency improvement values. The consumption ratio (R), which represents home energy demand in relation to solar irradiation, was used to analyze performance measures such as energy output, cost savings, and CO2 emissions reduction. The photovoltaic thermal system with enhanced PCM (PV/T-NPCM) showed the highest performance where it produced 110,724 × R kg of CO2 reduction, $71,153 × R in savings, and 202,719 × R kWh at minimum enhancement levels. These figures rose to 224,723 × R kWh, $74,304 × R, and 122,744 × R kg, respectively, at maximum augmentation. The study offers a scalable paradigm for hybrid PV-based energy planning in the future.