Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Naga

For one person, living is cheaper in Naga: $558 a month against $2,663 in Austin, TX, rent and utilities included – about $25,300 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
38

Cost of Living Index in Naga
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Naga Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Naga

🇵🇭 Philippines

$558

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Naga

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 Naga actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $558 in Naga.

Austin, TX $2,663
Naga $558

Estimated couple costs with rent: $4,133 in Austin, TX versus $852 in Naga.

Austin, TX $4,133
Naga $852

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $1,147 in Naga.

Austin, TX $5,603
Naga $1,147

Living in Austin, TX is roughly 378% more expensive than in Naga, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Austin, TX is 97% above, Naga is 59% below.

Meal at Budget Restaurant

$20.77 $20.77

$5.26 ₱331

294.87%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$13.42 ₱845

530.33%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$2.70 ₱170

356.30%

Cappuccino

$5.63 $5.63

$2.67 ₱168

110.86%

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

$3.72 $3.72

$0.71 ₱44.50

423.94%

Water (0.33 liter bottle)

$2.50 $2.50

$0.25 ₱15.80

900.00%

Local Beer (0.5 liter draught)

$8.05 $8.05

$1.32 ₱83.3

509.85%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$3.14 ₱197

186.94%

Milk (1 liter)

$1.12 $1.12

$1.95 ₱123

-42.56%

White Bread (500g)

$3.75 $3.75

$0.85 ₱53.3

341.18%

Rice (white) (1kg)

$3.26 $3.26

$0.82 ₱51.7

297.56%

Eggs

$4.17 $4.17

$1.70 ₱107

145.29%

Local Cheese (1kg)

$12.90 $12.90

$10.19 ₱642

26.59%

Chicken Fillets (1kg)

$14.16 $14.16

$4.07 ₱256

247.91%

Beef Round Steak (1kg)

$16.22 $16.22

$6.99 ₱440

132.05%

Apples (1kg)

$4.33 $4.33

$1.98 ₱125

118.69%

Banana (1kg)

$1.46 $1.46

$1.63 ₱102

-10.43%

Oranges (1kg)

$4.51 $4.51

$2.44 ₱154

84.84%

Tomato (1kg)

$4.34 $4.34

$2.43 ₱153

78.60%

Potato (1kg)

$2.58 $2.58

$2.57 ₱162

0.39%

Onion (1kg)

$2.35 $2.35

$2.22 ₱140

5.86%

Lettuce (1 head)

$1.78 $1.78

$4.76 ₱300

-62.61%

Water (1.5 liter bottle)

$2.22 $2.22

$0.62 ₱39.28

258.06%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$2.89 ₱182

241.87%

Wine (Bottle)

$15.08 $15.08

$3.77 ₱237

300.00%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$1.61 ₱101

81.37%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

Taxi Start (Normal Tariff)

$2.73 $2.73

$0.57 ₱36.08

378.95%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

Gasoline (1 liter)

$0.95 $0.95

$1.26 ₱79.4

-24.60%

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

$36.0K $36.0K

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

$27.1K $27.1K

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

$229 $229

$99.1 ₱6,242

130.98%

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

$59.4 $59.4

$23.41 ₱1,474

153.70%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$26.23 ₱1,651

166.53%

Gym Membership (Monthly)

$57.2 $57.2

$8.07 ₱508

609.29%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

Cinema Ticket

$14.28 $14.28

$4.80 ₱302

197.50%

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

$1,506 $1,506

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$8,052 ₱507.0K

166.47%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

Sport Shoes (Adidas, Nike)

$84.8 $84.8

Men's Leather Business Shoes

$103 $103

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$158 ₱9,919

1110.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$85.9 ₱5,411

1382.52%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$251 ₱15.8K

1358.91%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$194 ₱12.2K

1210.55%

Buy Apartment in City Center (m2)

$7,614 $7,614

Buy Apartment Outside City Center (m2)

$3,157 $3,157

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$145 ₱9,126

3432.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

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

Last update for Austin, TX: October 12, 2026

Last update for Naga: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.8%

Naga

$86 15.4% 93.3% $1.2K

Groceries & Markets

Austin, TX

$405 15.2%

Naga

$206 * 36.9% 49.1% $199

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Naga

$149 26.7% 58.5% $210

Eating Out

Austin, TX

$354 13.3%

Naga

$99 17.7% 72% $255

Clothing & Footwear

Austin, TX

$128 4.8%

Naga

- * 0% 100%

Sport & Entertainment

Austin, TX

$86 3.2%

Naga

$18 3.2% 79.4% $68

Getting Around

Austin, TX

$59 2.2%

Naga

$0.6 * 0.1% 99% $58

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $158 in Naga. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 3433% 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 Naga for a mid-range dinner for two. Groceries echo the gap at $405 vs $206 per month, with Naga cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇵🇭 Naga

🕒 Local time

09:39 9:39 AM

22:39 10:39 PM

13 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

115,750

💱 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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Philippine Peso exchange rates as of October 19, 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 Naga 13,460 km ≈ 17 h nonstop flight

From you

Austin, TX
Naga

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 Naga: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 378% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Naga the obvious pick if budget is a priority.

Average pay runs 3433% 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 $158 in Naga. 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 $558 in Naga – a 378% gap that adds up to real savings over time for anyone picking the cheaper option.

Supermarket bills run roughly 97% higher in Austin, TX. For households that cook at home regularly, that difference adds up over a month.

At $558 in Naga versus $2,663 in Austin, TX, a $2,000 budget is realistic in Naga but tight or insufficient in Austin, TX. The gap between the two cities makes Naga the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Austin, TX and Naga 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 Naga gentler on the wallet – expenses run 378% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.