Last update: Nov 2026

Cost of Living Comparison Between Baguio and Cagayan de Oro City

For one person, living is cheaper in Baguio: $734 a month against $760 in Cagayan de Oro City, rent and utilities included – about $310 less a year. Higher rent and utilities in Cagayan de Oro City outweigh lower spending on other living expenses.

35

Cost of Living Index in Baguio
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Baguio Living Index
36

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

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Baguio

🇵🇭 Philippines

$734

/mo nomad

Cagayan de Oro City

🇵🇭 Philippines

$760

/mo nomad

Monthly Cost of Living

How much you'll spend in Baguio 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 Baguio and in Cagayan de Oro City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $734 in Baguio versus $760 in Cagayan de Oro City.

Baguio $734
Cagayan de Oro City $760

Estimated couple costs with rent: $1,206 in Baguio versus $1,058 in Cagayan de Oro City.

Baguio $1,206
Cagayan de Oro City $1,058

Monthly costs for a family of three with rent: $1,677 in Baguio versus $1,355 in Cagayan de Oro City.

Baguio $1,677
Cagayan de Oro City $1,355

Living in Baguio costs roughly 3% less than in Cagayan de Oro City, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Baguio 46% lower, Cagayan de Oro City 44% lower.

Meal at Budget Restaurant

$3.10 ₱195

$3.09 ₱195

0.32%

Three-Course Dinner for Two, Mid-Range

$23.95 ₱1,508

$12.71 ₱801

88.43%

Fast Food Meal (McDonalds, etc)

$2.71 ₱171

$3.56 ₱224

-23.88%

Cappuccino

$1.69 ₱107

$2.42 ₱152

-30.17%

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

$0.67 ₱42.30

$0.83 ₱52.2

-19.28%

Water (0.33 liter bottle)

$0.39 ₱24.31

$0.34 ₱21.13

14.71%

Local Beer (0.5 liter draught)

$1.14 ₱71.8

$1.62 ₱102

-29.63%

Imported Beer (0.33 liter bottle)

$1.91 ₱120

$1.94 ₱122

-1.55%

Milk (1 liter)

$1.78 ₱112

$1.39 ₱87.6

28.06%

White Bread (500g)

$0.88 ₱55.3

$0.93 ₱58.6

-5.38%

Rice (white) (1kg)

$0.97 ₱60.9

$0.92 ₱58.0

5.43%

Eggs

$1.83 ₱115

$2.03 ₱128

-9.85%

Local Cheese (1kg)

$4.75 ₱299

$6.67 ₱420

-28.79%

Chicken Fillets (1kg)

$3.22 ₱203

$3.54 ₱223

-9.04%

Beef Round Steak (1kg)

$7.01 ₱442

$6.32 ₱398

10.92%

Apples (1kg)

$2.58 ₱163

$1.61 ₱101

60.25%

Banana (1kg)

$2.13 ₱134

$1.02 ₱64.4

108.82%

Oranges (1kg)

$2.79 ₱176

$1.37 ₱86.2

103.65%

Tomato (1kg)

$0.92 ₱57.7

$0.50 ₱31.33

84.00%

Potato (1kg)

$1.39 ₱87.5

$2.17 ₱137

-35.94%

Onion (1kg)

$1.37 ₱86.1

$1.24 ₱78.1

10.48%

Lettuce (1 head)

$0.65 ₱41.07

$0.76 ₱47.98

-14.47%

Water (1.5 liter bottle)

$0.35 ₱22.06

$0.52 ₱32.66

-32.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.81 ₱177

$3.09 ₱195

-9.06%

Wine (Bottle)

$6.99 ₱440

$4.05 ₱255

72.59%

Local Beer (0.5 liter bottle)

$0.77 ₱48.46

$1.28 ₱80.5

-39.84%

Imported Beer (0.33 liter bottle)

$2.98 ₱188

$1.60 ₱101

86.25%

One-way Ticket (Public Transport)

$0.25 ₱15.85

$0.21 ₱13.21

19.05%

Public Transport Monthly Pass (Regular Price)

$14.49 ₱913

$11.57 ₱729

25.24%

Taxi Start (Normal Tariff)

$1.00 ₱63.2

$0.83 ₱52.6

20.48%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.87

$0.20 ₱12.58

10.00%

Taxi 1hour Waiting (Normal Tariff)

$1.86 ₱117

$1.85 ₱116

0.54%

Gasoline (1 liter)

$1.30 ₱82.0

$1.08 ₱67.9

20.37%

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

$20.8K ₱1.3M

$21.3K ₱1.3M

-2.33%

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

$19.0K ₱1.2M

$19.1K ₱1.2M

-0.78%

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

$94.4 ₱5,946

$107 ₱6,724

-11.58%

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

$16.64 ₱1,048

$18.48 ₱1,164

-9.96%

Internet (50+ Mbps, Unlimited Data)

$30.88 ₱1,945

$29.94 ₱1,886

3.14%

Gym Membership (Monthly)

$27.58 ₱1,737

$29.26 ₱1,843

-5.74%

Tennis Court (1 Hour on Weekend)

$7.74 ₱487

Cinema Ticket

$4.72 ₱297

$3.20 ₱202

47.50%

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

$1,019 ₱64.2K

$66.3 ₱4,173

1437.73%

International Primary School, 1 Child (Yearly)

$5,258 ₱331.1K

$1,399 ₱88.1K

275.70%

Jeans (Levis 501 Or Similar)

$49.98 ₱3,148

$19.81 ₱1,247

152.30%

Summer Dress (H&M, Zara, etc)

$37.84 ₱2,383

$14.19 ₱893

166.67%

Sport Shoes (Adidas, Nike)

$71.8 ₱4,524

$40.17 ₱2,530

78.82%

Men's Leather Business Shoes

$79.8 ₱5,024

$39.37 ₱2,479

102.62%

1-bedroom Apartment, City Center (Monthly)

$387 ₱24.4K

$384 ₱24.2K

0.77%

1-bedroom Apartment, Outside City Center (Monthly)

$195 ₱12.3K

$273 ₱17.2K

-28.49%

3-bedroom Apartment, City Center (Monthly)

$1,031 ₱65.0K

$571 ₱35.9K

80.71%

3-bedroom Apartment, Outside City Center (Monthly)

$513 ₱32.3K

$395 ₱24.9K

29.60%

Buy Apartment in City Center (m2)

$4,025 ₱253.5K

$1,391 ₱87.6K

189.31%

Buy Apartment Outside City Center (m2)

$1,526 ₱96.1K

$740 ₱46.6K

106.22%

Average Monthly Net Salary (After Tax)

$180 ₱11.3K

$253 ₱16.0K

-28.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

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

Last update for Baguio: November 2, 2026

Last update for Cagayan de Oro City: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Baguio

$195 26.6%

Cagayan de Oro City

$273 35.9% 39.8% $78

Groceries & Markets

Baguio

$168 22.9%

Cagayan de Oro City

$150 19.7% 10.9% $18

Monthly Utilities & Internet

Baguio

$142 19.3%

Cagayan de Oro City

$155 20.4% 9.3% $13

Clothing & Footwear

Baguio

$108 14.7%

Cagayan de Oro City

$51 6.7% 52.6% $57

Eating Out

Baguio

$67 9.1%

Cagayan de Oro City

$81 10.7% 21.1% $14

Sport & Entertainment

Baguio

$37 5%

Cagayan de Oro City

$36 4.7% 3.6% $1.4

Getting Around

Baguio

$18 2.4%

Cagayan de Oro City

$14 1.9% 19% $3.4

Cost Breakdown

A one-bedroom apartment in the center runs $387 in Baguio and $384 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 41% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $24 in Baguio vs $13 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $168 vs $150 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇵🇭 Baguio

🇵🇭 Cagayan de Oro City

🕒 Local time

04:32 4:32 AM

Same time as Baguio

🌤 Weather

👥 Population

366,358

728,402

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Baguio Cagayan de Oro City 990 km ≈ 1 h 45 min nonstop flight

From you

Baguio
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

Baguio vs Cagayan de Oro City: Cost of Living - Frequently Asked Questions

Baguio wins on cost – living expenses run 3% lower than in Cagayan de Oro City. Housing and daily spending are where you’ll feel the difference most, making Baguio the obvious pick if budget is a priority.

On paper, salaries run 29% lower in Baguio. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $387 in Baguio versus $384 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 $734 per month in Baguio versus $760 in Cagayan de Oro City – Baguio is about 3% cheaper, which adds up to real savings over time.

A monthly transit pass in Cagayan de Oro City runs roughly 20% less than in Baguio. The price difference matters if you commute daily and watch your 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, Baguio and Cagayan de Oro City are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Baguio wins on affordability, Cagayan de Oro City on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.