Cost of Living Comparison Between Baguio and Cebu Cost of Living Comparison Between Baguio and Cebu

Monthly Cost of Living

Monthly costs for one person with rent: $748 in Baguio versus $936 in Cebu.

Estimated couple costs with rent: $1,182 in Baguio versus $1,427 in Cebu.

Monthly costs for a family of three with rent: $1,616 in Baguio versus $1,918 in Cebu.

Living in Baguio costs roughly 20% less than in Cebu, driven mainly by Groceries & Markets.

Both cities sit below the global median: Baguio 46% lower, Cebu 32% lower.

Meal at Budget Restaurant

$4.03 ₱252

$3.09 ₱193

30.42%

Three-Course Dinner for Two, Mid-Range

$16.79 ₱1,051

$23.80 ₱1,490

-29.45%

Fast Food Meal (McDonalds, etc)

$2.77 ₱174

$4.10 ₱257

-32.44%

Cappuccino

$1.79 ₱112

$2.60 ₱163

-31.15%

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

$0.55 ₱34.74

$1.55 ₱97.1

-64.52%

Water (0.33 liter bottle)

$0.35 ₱21.61

$0.54 ₱33.50

-35.19%

Local Beer (0.5 liter draught)

$1.02 ₱63.9

$1.73 ₱108

-41.04%

Imported Beer (0.33 liter bottle)

$1.64 ₱103

$2.19 ₱137

-25.11%

Milk (1 liter)

$1.62 ₱101

$1.92 ₱120

-15.62%

White Bread (500g)

$1.12 ₱70.0

$1.39 ₱87.2

-19.42%

Rice (white) (1kg)

$0.98 ₱61.4

$0.97 ₱60.9

1.03%

Eggs

$2.11 ₱132

$2.00 ₱125

5.50%

Local Cheese (1kg)

$5.00 ₱313

$9.93 ₱622

-49.65%

Chicken Fillets (1kg)

$3.36 ₱210

$4.38 ₱274

-23.29%

Beef Round Steak (1kg)

$8.12 ₱508

$7.41 ₱464

9.58%

Apples (1kg)

$2.29 ₱143

$3.46 ₱217

-33.82%

Banana (1kg)

$1.62 ₱102

$1.47 ₱91.9

10.20%

Oranges (1kg)

$2.33 ₱146

$2.41 ₱151

-3.32%

Tomato (1kg)

$1.08 ₱67.4

$1.54 ₱96.6

-29.87%

Potato (1kg)

$1.68 ₱105

$2.36 ₱148

-28.81%

Onion (1kg)

$1.71 ₱107

$1.91 ₱120

-10.47%

Lettuce (1 head)

$0.62 ₱39.05

$1.24 ₱77.4

-50.00%

Water (1.5 liter bottle)

$0.49 ₱30.63

$0.66 ₱41.48

-25.76%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱187

$3.00 ₱188

-0.33%

Wine (Bottle)

$8.98 ₱562

$6.08 ₱381

47.70%

Local Beer (0.5 liter bottle)

$0.95 ₱59.7

$1.31 ₱81.9

-27.48%

Imported Beer (0.33 liter bottle)

$2.11 ₱132

$1.73 ₱108

21.97%

One-way Ticket (Public Transport)

$0.25 ₱15.66

$0.25 ₱15.67

Public Transport Monthly Pass (Regular Price)

$12.67 ₱794

$12.73 ₱797

-0.47%

Taxi Start (Normal Tariff)

$0.76 ₱47.90

$0.75 ₱46.85

1.33%

Taxi (Normal Tariff) (1km)

$0.25 ₱15.73

$0.23 ₱14.43

8.70%

Taxi 1hour Waiting (Normal Tariff)

$1.96 ₱122

$4.60 ₱288

-57.39%

Gasoline (1 liter)

$1.20 ₱75.1

$1.34 ₱83.8

-10.45%

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

$21.4K ₱1.3M

$21.8K ₱1.4M

-1.68%

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

$19.6K ₱1.2M

$19.4K ₱1.2M

0.84%

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

$144 ₱8,987

$121 ₱7,575

18.65%

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

$17.30 ₱1,083

$14.86 ₱931

16.42%

Internet (50+ Mbps, Unlimited Data)

$23.28 ₱1,458

$27.84 ₱1,743

-16.38%

Gym Membership (Monthly)

$21.30 ₱1,334

$32.06 ₱2,008

-33.56%

Tennis Court (1 Hour on Weekend)

$5.36 ₱336

$6.43 ₱403

-16.64%

Cinema Ticket

$5.19 ₱325

$5.64 ₱353

-7.98%

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

$131 ₱8,203

$273 ₱17.1K

-52.09%

International Primary School, 1 Child (Yearly)

$10.6K ₱664.4K

$8,017 ₱502.0K

32.34%

Jeans (Levis 501 Or Similar)

$29.51 ₱1,848

$48.77 ₱3,054

-39.49%

Summer Dress (H&M, Zara, etc)

$19.29 ₱1,208

$25.49 ₱1,596

-24.32%

Sport Shoes (Adidas, Nike)

$73.0 ₱4,574

$78.1 ₱4,890

-6.48%

Men's Leather Business Shoes

$55.4 ₱3,471

$57.8 ₱3,622

-4.17%

1-bedroom Apartment, City Center (Monthly)

$411 ₱25.7K

$500 ₱31.3K

-17.83%

1-bedroom Apartment, Outside City Center (Monthly)

$198 ₱12.4K

$300 ₱18.8K

-33.98%

3-bedroom Apartment, City Center (Monthly)

$851 ₱53.3K

$1,089 ₱68.2K

-21.78%

3-bedroom Apartment, Outside City Center (Monthly)

$466 ₱29.2K

$632 ₱39.6K

-26.32%

Buy Apartment in City Center (m2)

$2,650 ₱165.9K

$2,888 ₱180.9K

-8.25%

Buy Apartment Outside City Center (m2)

$919 ₱57.5K

$1,877 ₱117.5K

-51.03%

Average Monthly Net Salary (After Tax)

$180 ₱11.2K

$346 ₱21.7K

-48.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

7.2

-6.25%

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

Last update for Baguio: August 31, 2026

Last update for Cebu: August 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $411 in Baguio and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 93% 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: $17.00 in Baguio vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $175 vs $208 per month, with Baguio cheaper across the board.

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 Cebu: Cost of Living - Frequently Asked Questions

Baguio wins on cost – living expenses run 25% lower than in Cebu. 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 93% lower in Cebu. 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: $411 in Baguio versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $748 per month in Baguio versus $936 in Cebu – a 25% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Baguio runs roughly 0% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $748 in Baguio versus $936 in Cebu, a $1,000 budget is realistic in Baguio but tight or insufficient in Cebu. The gap between the two cities makes Baguio the clear choice for anyone on this budget.

Both work as nomad bases, but Baguio delivers better value – similar infrastructure at $748 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Baguio hard to pass up.

Safety-wise, Baguio and Cebu 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 Baguio gentler on the wallet – expenses run 25% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.