Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Cagayan de Oro City

For one person, living is cheaper in Cagayan de Oro City: $771 a month against $2,663 in Austin, TX, rent and utilities included – about $22,700 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Cagayan de Oro City

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Cagayan de Oro City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $771 in Cagayan de Oro City.

Austin, TX $2,663
Cagayan de Oro City $771

Estimated couple costs with rent: $4,133 in Austin, TX versus $1,141 in Cagayan de Oro City.

Austin, TX $4,133
Cagayan de Oro City $1,141

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $1,511 in Cagayan de Oro City.

Austin, TX $5,603
Cagayan de Oro City $1,511

Living in Austin, TX is roughly 245% more expensive than in Cagayan de Oro City, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Austin, TX is 97% above, Cagayan de Oro City is 43% below.

Meal at Budget Restaurant

$20.77 $20.77

$3.68 ₱231

464.40%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$12.80 ₱806

560.86%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$3.05 ₱192

303.93%

Cappuccino

$5.63 $5.63

$2.33 ₱147

141.63%

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

$3.72 $3.72

$0.76 ₱47.91

389.47%

Water (0.33 liter bottle)

$2.50 $2.50

$0.64 ₱39.98

290.62%

Local Beer (0.5 liter draught)

$8.05 $8.05

$1.38 ₱86.9

483.33%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$1.98 ₱124

355.05%

Milk (1 liter)

$1.12 $1.12

$1.48 ₱93.4

-24.32%

White Bread (500g)

$3.75 $3.75

$0.89 ₱56.2

321.35%

Rice (white) (1kg)

$3.26 $3.26

$0.92 ₱58.0

254.35%

Eggs

$4.17 $4.17

$2.17 ₱137

92.17%

Local Cheese (1kg)

$12.90 $12.90

$8.67 ₱546

48.79%

Chicken Fillets (1kg)

$14.16 $14.16

$3.29 ₱207

330.40%

Beef Round Steak (1kg)

$16.22 $16.22

$5.76 ₱363

181.60%

Apples (1kg)

$4.33 $4.33

$2.05 ₱129

111.22%

Banana (1kg)

$1.46 $1.46

$1.08 ₱68.3

35.19%

Oranges (1kg)

$4.51 $4.51

$2.38 ₱150

89.50%

Tomato (1kg)

$4.34 $4.34

$1.14 ₱71.9

280.70%

Potato (1kg)

$2.58 $2.58

$1.92 ₱121

34.38%

Onion (1kg)

$2.35 $2.35

$2.53 ₱159

-7.11%

Lettuce (1 head)

$1.78 $1.78

$0.76 ₱47.87

134.21%

Water (1.5 liter bottle)

$2.22 $2.22

$0.48 ₱30.30

362.50%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$3.02 ₱190

227.15%

Wine (Bottle)

$15.08 $15.08

$3.97 ₱250

279.85%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$1.22 ₱77.0

139.34%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$1.93 ₱122

79.27%

One-way Ticket (Public Transport)

$1.49 $1.49

$0.41 ₱25.99

263.41%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$9.84 ₱620

323.98%

Taxi Start (Normal Tariff)

$2.73 $2.73

$0.63 ₱39.57

333.33%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$0.21 ₱13.18

690.48%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$1.94 ₱122

1719.59%

Gasoline (1 liter)

$0.95 $0.95

$1.08 ₱67.8

-12.04%

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

$36.0K $36.0K

$21.1K ₱1.3M

70.47%

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

$27.1K $27.1K

$18.9K ₱1.2M

43.29%

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

$229 $229

$137 ₱8,600

67.64%

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

$59.4 $59.4

$22.77 ₱1,433

160.83%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$30.51 ₱1,921

129.14%

Gym Membership (Monthly)

$57.2 $57.2

$20.70 ₱1,303

176.52%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$2.87 ₱181

468.99%

Cinema Ticket

$14.28 $14.28

$4.55 ₱286

213.85%

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

$1,506 $1,506

$66.4 ₱4,181

2167.54%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$2,257 ₱142.1K

850.59%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$31.71 ₱1,997

66.54%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$13.08 ₱824

235.02%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$52.4 ₱3,300

61.71%

Men's Leather Business Shoes

$103 $103

$39.65 ₱2,496

159.80%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$377 ₱23.8K

405.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$229 ₱14.4K

457.51%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$693 ₱43.7K

428.44%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$452 ₱28.5K

461.50%

Buy Apartment in City Center (m2)

$7,614 $7,614

$1,604 ₱101.0K

374.76%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$951 ₱59.9K

232.02%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$302 ₱19.0K

1593.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

6.75

0.59%

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

Last update for Austin, TX: October 12, 2026

Last update for Cagayan de Oro City: October 13, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.3K 47.8%

Cagayan de Oro City

$229 29.6% 82.1% $1K

Groceries & Markets

Austin, TX

$405 15.2%

Cagayan de Oro City

$165 21.4% 59.1% $239

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Cagayan de Oro City

$190 24.6% 47% $168

Eating Out

Austin, TX

$354 13.3%

Cagayan de Oro City

$83 10.8% 76.6% $271

Clothing & Footwear

Austin, TX

$128 4.8%

Cagayan de Oro City

$62 8% 51.9% $66

Sport & Entertainment

Austin, TX

$86 3.2%

Cagayan de Oro City

$30 3.9% 65.3% $56

Getting Around

Austin, TX

$59 2.2%

Cagayan de Oro City

$13 1.7% 77.6% $46

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $377 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 1594% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $85.0 in Austin, TX vs $13.00 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $405 vs $165 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇵🇭 Cagayan de Oro City

🕒 Local time

17:32 5:32 PM

06:32 6:32 AM

13 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

728,402

💱 Currency

United States Dollar USD $

Philippine Peso PHP ₱

📈 Exchange rate

1 USD = 0.89 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, EUR to USD – United States Dollar Converter

🇵🇭 Philippine Peso (₱)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

PHP to USD in detail →

On the map

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Highest

Between locations

Austin, TX Cagayan de Oro City 13,770 km ≈ 18 h nonstop flight

From you

Austin, TX
Cagayan de Oro City

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Cagayan de Oro City: Cost of Living - Frequently Asked Questions

Cagayan de Oro City wins on cost – living expenses run 245% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Cagayan de Oro City the obvious pick if budget is a priority.

Average pay runs 1594% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,907 in Austin, TX versus $377 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,663 per month in Austin, TX versus $771 in Cagayan de Oro City – a 245% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cagayan de Oro City runs roughly 324% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $771 in Cagayan de Oro City versus $2,663 in Austin, TX, a $2,000 budget is realistic in Cagayan de Oro City but tight or insufficient in Austin, TX. The gap between the two cities makes Cagayan de Oro City the clear choice for anyone on this budget.

Both work as nomad bases, but Cagayan de Oro City delivers better value – similar infrastructure at $771 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Cagayan de Oro City hard to pass up.

Safety-wise, Austin, TX and Cagayan de Oro City are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Cagayan de Oro City gentler on the wallet – expenses run 245% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.