Cost of Living in Cagayan de Oro City - Updated Prices & Insights

Name: Cagayan de Oro City
Address: Cagayan de Oro City, PH

Solo nomad: Estimated monthly costs are $469 (excluding rent), and $764 including rent.

Family of 3: Estimated monthly costs are $1,084 (excluding rent), and $1,491 including rent.

Meal at Budget Restaurant

$3.68 ₱215

$1.73 ₱101

$8.64 ₱504

Three-Course Dinner for Two, Mid-Range

$13.94 ₱814

$13.6 ₱793

$34.85 ₱2,034

Fast Food Meal (McDonalds, etc)

$3.34 ₱195

$2.78 ₱163

$4.83 ₱282

Cappuccino

$2.62 ₱153

$1.26 ₱73.7

$3.25 ₱190

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.04 ₱60.5

$0.55 ₱32.37

$2.23 ₱130

Water (0.33 liter bottle)

$0.36 ₱20.79

$0.27 ₱15.73

$2.56 ₱149

Local Beer (0.5 liter draught)

$1.41 ₱82.2

$0.88 ₱51.6

$4.4 ₱257

Imported Beer (0.33 liter bottle)

$2.37 ₱138

$1.46 ₱85.5

$5.16 ₱301

Milk (1 liter)

$1.64 ₱95.9

$1.04 ₱60.9

$1.96 ₱114

White Bread (500g)

$0.92 ₱54

$0.76 ₱44.32

$2.07 ₱121

Rice (white) (1kg)

$0.96 ₱56.3

$0.72 ₱42.08

$1.58 ₱92.5

Eggs

$2.38 ₱139

$1.46 ₱85

$3.41 ₱199

Local Cheese (1kg)

$6.05 ₱353

$2.67 ₱156

$13.72 ₱801

Chicken Fillets (1kg)

$3.49 ₱204

$1.72 ₱101

$5.71 ₱333

Beef Round Steak (1kg)

$6.49 ₱379

$2.64 ₱154

$15.17 ₱885

Apples (1kg)

$2.26 ₱132

$1.55 ₱90.3

$2.64 ₱154

Banana (1kg)

$1.14 ₱66.6

$0.54 ₱31.58

$1.92 ₱112

Oranges (1kg)

$2.38 ₱139

$0.72 ₱41.94

$4.48 ₱262

Tomato (1kg)

$1.24 ₱72.3

$0.44 ₱25.46

$1.76 ₱102

Potato (1kg)

$2.22 ₱129

$1.32 ₱76.9

$3.51 ₱205

Onion (1kg)

$2.85 ₱166

$1.34 ₱78.5

$4.48 ₱261

Lettuce (1 head)

$0.92 ₱53.7

$0.45 ₱26.55

$1.83 ₱107

Water (1.5 liter bottle)

$0.51 ₱29.59

$0.36 ₱21.14

$0.92 ₱53.8

Cigarettes 20 Pack (Marlboro, Camel)

$2.49 ₱145

$1.81 ₱105

$3.16 ₱185

Wine (Bottle)

$4.34 ₱253

$4.07 ₱237

$10.42 ₱608

Local Beer (0.5 liter bottle)

$1.36 ₱79.6

$0.73 ₱42.66

$2.5 ₱146

Imported Beer (0.33 liter bottle)

$1.56 ₱91.2

$1.08 ₱63.2

$2.72 ₱159

One-way Ticket (Public Transport)

$0.4 ₱23.45

$0.17 ₱10.05

$0.51 ₱29.59

Public Transport Monthly Pass (Regular Price)

$8.52 ₱497

$6.21 ₱363

$10.81 ₱631

Taxi Start (Normal Tariff)

$0.74 ₱43.39

$0.93 ₱54.4

Taxi (Normal Tariff) (1km)

$0.24 ₱14.04

$0.23 ₱13.43

$0.32 ₱18.92

Taxi 1hour Waiting (Normal Tariff)

$2.11 ₱123

$1.76 ₱102

$4.39 ₱256

Gasoline (1 liter)

$1.11 ₱64.6

$1.05 ₱61.1

$1.14 ₱66.3

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$20.5K ₱1.2M

$17.7K ₱1M

$23K ₱1.3M

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$19.3K ₱1.1M

$17.9K ₱1M

$28.6K ₱1.7M

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$105 ₱6,117

$53.4 ₱3,118

$192 ₱11.2K

SIM Card Monthly Plan (Calls and 10GB+ Data)

$39.52 ₱2,307

$8.72 ₱509

$43.59 ₱2,544

Internet (50+ Mbps, Unlimited Data)

$33.57 ₱1,959

$23.28 ₱1,359

$44.59 ₱2,602

Gym Membership (Monthly)

$22.26 ₱1,299

$14.36 ₱838

$35.91 ₱2,096

Tennis Court (1 Hour on Weekend)

$3.32 ₱194

$1.99 ₱116

$3.32 ₱194

Cinema Ticket

$4.61 ₱269

$3.63 ₱212

$7.25 ₱423

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$190 ₱11.1K

$59.7 ₱3,486

$538 ₱31.4K

International Primary School, 1 Child (Yearly)

$2,442 ₱142.5K

$1,396 ₱81.5K

$4,361 ₱254.5K

Jeans (Levis 501 Or Similar)

$35.37 ₱2,065

$22.38 ₱1,306

$53.7 ₱3,135

Summer Dress (H&M, Zara, etc)

$14.37 ₱839

$8.85 ₱516

$53.1 ₱3,099

Sport Shoes (Adidas, Nike)

$57.7 ₱3,369

$40.17 ₱2,345

$99.5 ₱5,805

Men's Leather Business Shoes

$43.45 ₱2,536

$32.05 ₱1,871

$62.3 ₱3,637

1-bedroom Apartment, City Center (Monthly)

$359 ₱21K

$179 ₱10.4K

$626 ₱36.5K

1-bedroom Apartment, Outside City Center (Monthly)

$213 ₱12.5K

$105 ₱6,129

$315 ₱18.4K

3-bedroom Apartment, City Center (Monthly)

$587 ₱34.3K

$265 ₱15.5K

$883 ₱51.5K

3-bedroom Apartment, Outside City Center (Monthly)

$383 ₱22.4K

$217 ₱12.6K

$542 ₱31.6K

Buy Apartment in City Center (m2)

$1,599 ₱93.3K

$856 ₱50K

$2,998 ₱175K

Buy Apartment Outside City Center (m2)

$884 ₱51.6K

$428 ₱25K

$1,711 ₱99.9K

Average Monthly Net Salary (After Tax)

$332 ₱19.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

Citycost data is based on AI and user input – minor inaccuracies may occur.

Last update: November 29, 2025

Digital Nomad Cost of Living Index

City tags:

⛩️ Asia

Cost of Living in Cagayan de Oro City - Frequently Asked Questions

Cost of Living in Cagayan de Oro City, Philippines is generally approachable for many budgets. You can find affordable guesthouses and midrange apartments in different neighborhoods, with a strong balance between lower costs and quality of life. Daily costs for food and local transport tend to be reasonable, and you can tailor your living pattern to save – cook at home, shop at markets, or share accommodation. Seasonal events and tourism can shift demand briefly but won't derail long stays. Tip: Use a short-term rental while you scout neighborhoods to avoid long commitments.

Day-to-day life centers on practical choices you can tailor to your pace. Housing ranges from affordable furnished units to longer-term rentals in both busy and quieter pockets; co-living can simplify setup. Food options span markets, casual eateries, and affordable street food; cooking at home helps stretch weekends too. For transport, jeepneys, multicabs, trikes, and ride-hailing apps cover most routes, and biking or walking is viable in compact areas. Co-working spaces and cafes provide reliable work spots, and plan errands by neighborhood to reduce backtracking. Cagayan de Oro City, Philippines living cost varies by area but supports steady daily routines. Tip: map a few core neighborhoods first and test them with short visits.

A simple budgeting framework helps you tailor choices. Try a lightweight approach that prioritizes essentials, flexible spending, and savings, then adjust by season. In practice, track daily habits, estimate food and transport, and set a buffer for occasional splurges. Seasonality matters: holidays and festivals can shift crowding and prices, so consider shoulder periods for longer stays or shorter leases. Neighborhood fit matters more than the glossy center; look for walkability, access to groceries, and reliable internet for work. When shopping, favor local markets, consider shared utilities, and negotiate rents for longer commitments. Tip: test move-in timing with short-term stays to compare neighborhoods.