Cost of Living Comparison Between Baguio and Naga Cost of Living Comparison Between Baguio and Naga

Monthly Cost of Living

Monthly costs for one person with rent: $788 in Baguio versus $770 in Naga.

Estimated couple costs with rent: $1,139 in Baguio versus $1,117 in Naga.

Monthly costs for a family of three with rent: $1,490 in Baguio versus $1,463 in Naga.

Living in Baguio is roughly 2% more expensive than Naga, driven mainly by Groceries & Markets.

Both cities sit below the global median: Baguio 41% lower, Naga 43% lower.

Meal at Budget Restaurant

$3.57 ₱217

$3.65 ₱222

-2.19%

Three-Course Dinner for Two, Mid-Range

$13.22 ₱802

$17.76 ₱1,078

-25.56%

Fast Food Meal (McDonalds, etc)

$2.65 ₱161

$3.40 ₱206

-22.06%

Cappuccino

$2.36 ₱143

$2.44 ₱148

-3.28%

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

$0.69 ₱41.93

$0.77 ₱46.49

-10.39%

Water (0.33 liter bottle)

$0.37 ₱22.55

$0.40 ₱24.15

-7.50%

Local Beer (0.5 liter draught)

$1.44 ₱87.5

$1.37 ₱83.0

5.11%

Imported Beer (0.33 liter bottle)

$1.90 ₱115

$2.15 ₱131

-11.63%

Milk (1 liter)

$1.89 ₱115

$1.90 ₱115

-0.53%

White Bread (500g)

$1.23 ₱74.8

$1.27 ₱76.9

-3.15%

Rice (white) (1kg)

$1.08 ₱65.3

$0.85 ₱51.4

27.06%

Eggs

$2.26 ₱137

$1.70 ₱103

32.94%

Local Cheese (1kg)

$9.14 ₱555

$8.00 ₱486

14.25%

Chicken Fillets (1kg)

$3.91 ₱237

$4.19 ₱255

-6.68%

Beef Round Steak (1kg)

$8.75 ₱531

$7.87 ₱478

11.18%

Apples (1kg)

$2.64 ₱160

$2.86 ₱174

-7.69%

Banana (1kg)

$1.80 ₱109

$1.54 ₱93.7

16.88%

Oranges (1kg)

$2.31 ₱140

$2.58 ₱157

-10.47%

Tomato (1kg)

$1.16 ₱70.2

$1.55 ₱93.9

-25.16%

Potato (1kg)

$1.84 ₱112

$2.31 ₱140

-20.35%

Onion (1kg)

$2.29 ₱139

$2.50 ₱152

-8.40%

Lettuce (1 head)

$0.67 ₱40.39

$1.06 ₱64.3

-36.79%

Water (1.5 liter bottle)

$0.76 ₱46.15

$0.73 ₱44.19

4.11%

Cigarettes 20 Pack (Marlboro, Camel)

$3.34 ₱203

$2.52 ₱153

32.54%

Wine (Bottle)

$8.91 ₱541

$3.80 ₱230

134.47%

Local Beer (0.5 liter bottle)

$1.04 ₱63.1

$1.15 ₱69.8

-9.57%

Imported Beer (0.33 liter bottle)

$2.32 ₱141

$2.04 ₱124

13.73%

One-way Ticket (Public Transport)

$0.28 ₱17.11

$0.26 ₱15.58

7.69%

Public Transport Monthly Pass (Regular Price)

$10.58 ₱642

Taxi Start (Normal Tariff)

$0.85 ₱51.7

$0.84 ₱51.0

1.19%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.32

$0.22 ₱13.27

Taxi 1hour Waiting (Normal Tariff)

$2.36 ₱143

$2.07 ₱126

14.01%

Gasoline (1 liter)

$1.10 ₱67.1

$1.15 ₱69.9

-4.35%

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

$31.9K ₱1.9M

$27.0K ₱1.6M

18.30%

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

$20.5K ₱1.2M

$20.2K ₱1.2M

1.46%

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

$146 ₱8,846

$110 ₱6,701

32.01%

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

$35.30 ₱2,143

$32.14 ₱1,951

9.83%

Internet (50+ Mbps, Unlimited Data)

$26.09 ₱1,584

$26.84 ₱1,630

-2.79%

Gym Membership (Monthly)

$21.90 ₱1,330

$33.57 ₱2,038

-34.76%

Tennis Court (1 Hour on Weekend)

$4.05 ₱246

Cinema Ticket

$5.82 ₱353

$5.92 ₱359

-1.69%

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

$154 ₱9,378

$152 ₱9,242

1.47%

International Primary School, 1 Child (Yearly)

$4,658 ₱282.9K

$4,349 ₱264.1K

7.12%

Jeans (Levis 501 Or Similar)

$48.66 ₱2,955

$46.62 ₱2,831

4.38%

Summer Dress (H&M, Zara, etc)

$28.00 ₱1,700

$26.17 ₱1,589

6.99%

Sport Shoes (Adidas, Nike)

$76.2 ₱4,624

$74.8 ₱4,544

1.78%

Men's Leather Business Shoes

$46.62 ₱2,831

$53.3 ₱3,236

-12.53%

1-bedroom Apartment, City Center (Monthly)

$340 ₱20.7K

$262 ₱15.9K

29.86%

1-bedroom Apartment, Outside City Center (Monthly)

$142 ₱8,635

$174 ₱10.6K

-18.43%

3-bedroom Apartment, City Center (Monthly)

$552 ₱33.5K

$326 ₱19.8K

69.07%

3-bedroom Apartment, Outside City Center (Monthly)

$264 ₱16.1K

$268 ₱16.3K

-1.47%

Buy Apartment in City Center (m2)

$2,390 ₱145.1K

Buy Apartment Outside City Center (m2)

$933 ₱56.7K

Average Monthly Net Salary (After Tax)

$184 ₱11.2K

$145 ₱8,823

26.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.5

6.67

-32.53%

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

Last update for Baguio: June 9, 2026

Last update for Naga: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $340 in Baguio and $262 in Naga. Housing cost is often the main lever when comparing two cities.

Baguio pays 27% 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: $13.00 in Baguio vs $18.00 in Naga. Groceries flip the comparison at $206 vs $194, with Naga cheaper for home cooking.

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 Naga: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 2% lower than in Baguio. Housing and daily spending are where you'll feel the difference most, making Naga the obvious pick if budget is a priority.

Baguio pays 27% more on average, 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: $340 in Baguio versus $262 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 6% higher in Baguio. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $788 per month in Baguio versus $770 in Naga – a 2% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Naga gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 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 2% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.