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: $779 in Baguio versus $779 in Naga.

Estimated couple costs with rent: $1,147 in Baguio versus $1,145 in Naga.

Monthly costs for a family of three with rent: $1,514 in Baguio versus $1,510 in Naga.

Monthly costs are close between Baguio and Naga; which city is cheaper depends on the spending category.

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

Meal at Budget Restaurant

$3.63 ₱223

$3.45 ₱212

5.22%

Three-Course Dinner for Two, Mid-Range

$13.43 ₱825

$18.03 ₱1,107

-25.51%

Fast Food Meal (McDonalds, etc)

$2.69 ₱165

$3.29 ₱202

-18.24%

Cappuccino

$2.36 ₱145

$2.46 ₱151

-4.07%

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

$0.66 ₱40.50

$0.83 ₱50.9

-20.48%

Water (0.33 liter bottle)

$0.38 ₱23.03

$0.37 ₱22.43

2.70%

Local Beer (0.5 liter draught)

$1.39 ₱85.1

$1.36 ₱83.6

2.21%

Imported Beer (0.33 liter bottle)

$1.94 ₱119

$2.17 ₱133

-10.60%

Milk (1 liter)

$1.82 ₱112

$1.90 ₱117

-4.21%

White Bread (500g)

$1.21 ₱74.1

$1.27 ₱77.9

-4.72%

Rice (white) (1kg)

$1.07 ₱66.0

$0.86 ₱52.9

24.42%

Eggs

$2.28 ₱140

$1.72 ₱105

32.56%

Local Cheese (1kg)

$9.14 ₱561

$8.23 ₱506

11.06%

Chicken Fillets (1kg)

$3.87 ₱238

$4.20 ₱258

-7.86%

Beef Round Steak (1kg)

$8.46 ₱519

$7.50 ₱460

12.80%

Apples (1kg)

$2.75 ₱169

$2.90 ₱178

-5.17%

Banana (1kg)

$1.84 ₱113

$1.57 ₱96.6

17.20%

Oranges (1kg)

$2.37 ₱145

$2.70 ₱166

-12.22%

Tomato (1kg)

$1.16 ₱71.1

$1.55 ₱95.4

-25.16%

Potato (1kg)

$1.82 ₱112

$2.32 ₱142

-21.55%

Onion (1kg)

$2.27 ₱139

$2.54 ₱156

-10.63%

Lettuce (1 head)

$0.68 ₱42.04

$1.06 ₱65.1

-35.85%

Water (1.5 liter bottle)

$0.72 ₱44.51

$0.76 ₱46.86

-5.26%

Cigarettes 20 Pack (Marlboro, Camel)

$3.36 ₱206

$2.60 ₱159

29.23%

Wine (Bottle)

$9.18 ₱563

$3.85 ₱237

138.44%

Local Beer (0.5 liter bottle)

$1.08 ₱66.3

$1.21 ₱74.2

-10.74%

Imported Beer (0.33 liter bottle)

$2.27 ₱139

$1.97 ₱121

15.23%

One-way Ticket (Public Transport)

$0.28 ₱17.40

$0.28 ₱17.38

Public Transport Monthly Pass (Regular Price)

$10.43 ₱641

Taxi Start (Normal Tariff)

$0.86 ₱52.8

$0.81 ₱49.87

6.17%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.42

$0.22 ₱13.47

Taxi 1hour Waiting (Normal Tariff)

$2.44 ₱150

$2.08 ₱128

17.31%

Gasoline (1 liter)

$1.12 ₱68.6

$1.11 ₱67.9

0.90%

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

$32.2K ₱2.0M

$26.9K ₱1.7M

19.95%

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

$20.6K ₱1.3M

$20.2K ₱1.2M

1.95%

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

$149 ₱9,136

$113 ₱6,937

31.70%

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

$34.55 ₱2,121

$32.32 ₱1,985

6.90%

Internet (50+ Mbps, Unlimited Data)

$26.35 ₱1,618

$26.39 ₱1,620

-0.15%

Gym Membership (Monthly)

$21.84 ₱1,341

$34.42 ₱2,114

-36.55%

Tennis Court (1 Hour on Weekend)

$4.07 ₱250

Cinema Ticket

$5.87 ₱360

$5.76 ₱354

1.91%

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

$149 ₱9,137

$153 ₱9,418

-2.99%

International Primary School, 1 Child (Yearly)

$4,683 ₱287.5K

$4,369 ₱268.2K

7.20%

Jeans (Levis 501 Or Similar)

$47.86 ₱2,939

$45.11 ₱2,770

6.10%

Summer Dress (H&M, Zara, etc)

$27.14 ₱1,666

$27.01 ₱1,659

0.48%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,622

$75.4 ₱4,630

-0.17%

Men's Leather Business Shoes

$46.11 ₱2,831

$53.7 ₱3,299

-14.18%

1-bedroom Apartment, City Center (Monthly)

$336 ₱20.6K

$267 ₱16.4K

25.98%

1-bedroom Apartment, Outside City Center (Monthly)

$142 ₱8,704

$173 ₱10.6K

-18.20%

3-bedroom Apartment, City Center (Monthly)

$556 ₱34.1K

$323 ₱19.8K

72.04%

3-bedroom Apartment, Outside City Center (Monthly)

$262 ₱16.1K

$266 ₱16.3K

-1.44%

Buy Apartment in City Center (m2)

$2,408 ₱147.8K

Buy Apartment Outside City Center (m2)

$919 ₱56.4K

Average Monthly Net Salary (After Tax)

$188 ₱11.5K

$147 ₱9,033

27.59%

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: July 27, 2026

Last update for Naga: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $336 in Baguio and $267 in Naga. Housing cost is often the main lever when comparing two cities.

Baguio pays 28% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $13.00 in Baguio vs $18.00 in Naga. Groceries flip the comparison at $206 vs $196, 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

Average pay runs 28% higher in Baguio, 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: $336 in Baguio versus $267 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% higher in Baguio. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Naga – a meal for two runs $18.00 versus $13.00 in Baguio. If you eat out regularly, this makes a real dent in your monthly spending.

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.

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