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: $763 in Baguio versus $557 in Naga.

Estimated couple costs with rent: $1,175 in Baguio versus $854 in Naga.

Monthly costs for a family of three with rent: $1,586 in Baguio versus $1,151 in Naga.

Living in Baguio is roughly 37% more expensive than in Naga, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Baguio 45% lower, Naga 60% lower.

Meal at Budget Restaurant

$3.95 ₱248

$5.32 ₱334

-25.75%

Three-Course Dinner for Two, Mid-Range

$16.48 ₱1,033

$13.41 ₱841

22.89%

Fast Food Meal (McDonalds, etc)

$2.88 ₱180

$2.81 ₱176

2.49%

Cappuccino

$1.77 ₱111

$2.78 ₱175

-36.33%

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

$0.61 ₱37.95

$0.75 ₱46.90

-18.67%

Water (0.33 liter bottle)

$0.32 ₱19.93

$0.25 ₱15.79

28.00%

Local Beer (0.5 liter draught)

$0.98 ₱61.2

$1.27 ₱79.9

-22.83%

Imported Beer (0.33 liter bottle)

$1.56 ₱98.1

$3.10 ₱194

-49.68%

Milk (1 liter)

$1.69 ₱106

$1.97 ₱124

-14.21%

White Bread (500g)

$1.16 ₱72.6

$0.85 ₱53.5

36.47%

Rice (white) (1kg)

$1.02 ₱63.9

$0.85 ₱53.2

20.00%

Eggs

$2.07 ₱130

$1.69 ₱106

22.49%

Local Cheese (1kg)

$5.15 ₱323

$10.51 ₱659

-51.00%

Chicken Fillets (1kg)

$3.40 ₱213

$4.08 ₱256

-16.67%

Beef Round Steak (1kg)

$8.09 ₱507

$7.14 ₱447

13.31%

Apples (1kg)

$2.31 ₱145

$2.01 ₱126

14.93%

Banana (1kg)

$1.57 ₱98.1

$1.71 ₱107

-8.19%

Oranges (1kg)

$2.41 ₱151

$2.33 ₱146

3.43%

Tomato (1kg)

$1.07 ₱66.9

$2.43 ₱152

-55.97%

Potato (1kg)

$1.76 ₱110

$2.51 ₱157

-29.88%

Onion (1kg)

$1.77 ₱111

$2.33 ₱146

-24.03%

Lettuce (1 head)

$0.62 ₱38.90

$4.82 ₱302

-87.14%

Water (1.5 liter bottle)

$0.53 ₱33.24

$0.62 ₱38.98

-14.52%

Cigarettes 20 Pack (Marlboro, Camel)

$2.87 ₱180

$2.85 ₱179

0.70%

Wine (Bottle)

$9.02 ₱565

$3.90 ₱244

131.28%

Local Beer (0.5 liter bottle)

$0.96 ₱60.1

$1.59 ₱99.5

-39.62%

Imported Beer (0.33 liter bottle)

$2.10 ₱131

One-way Ticket (Public Transport)

$0.25 ₱15.71

Public Transport Monthly Pass (Regular Price)

$12.99 ₱814

Taxi Start (Normal Tariff)

$0.84 ₱52.4

$0.55 ₱34.43

52.73%

Taxi (Normal Tariff) (1km)

$0.25 ₱15.69

Taxi 1hour Waiting (Normal Tariff)

$1.97 ₱123

Gasoline (1 liter)

$1.15 ₱72.2

$1.16 ₱72.7

-0.86%

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

$21.0K ₱1.3M

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

$19.6K ₱1.2M

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

$139 ₱8,708

$101 ₱6,316

37.88%

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

$17.39 ₱1,090

$24.23 ₱1,519

-28.23%

Internet (50+ Mbps, Unlimited Data)

$23.64 ₱1,482

$26.46 ₱1,659

-10.66%

Gym Membership (Monthly)

$21.34 ₱1,338

$7.82 ₱490

172.89%

Tennis Court (1 Hour on Weekend)

$5.20 ₱326

Cinema Ticket

$5.10 ₱320

$4.66 ₱292

9.44%

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

$134 ₱8,395

International Primary School, 1 Child (Yearly)

$10.6K ₱662.1K

$7,917 ₱496.3K

33.40%

Jeans (Levis 501 Or Similar)

$28.47 ₱1,785

Summer Dress (H&M, Zara, etc)

$19.81 ₱1,242

Sport Shoes (Adidas, Nike)

$70.8 ₱4,438

Men's Leather Business Shoes

$56.6 ₱3,547

1-bedroom Apartment, City Center (Monthly)

$411 ₱25.7K

$157 ₱9,817

162.20%

1-bedroom Apartment, Outside City Center (Monthly)

$198 ₱12.4K

$86.8 ₱5,442

127.85%

3-bedroom Apartment, City Center (Monthly)

$849 ₱53.2K

$250 ₱15.6K

240.23%

3-bedroom Apartment, Outside City Center (Monthly)

$465 ₱29.1K

$199 ₱12.4K

134.18%

Buy Apartment in City Center (m2)

$2,662 ₱166.9K

Buy Apartment Outside City Center (m2)

$900 ₱56.4K

Average Monthly Net Salary (After Tax)

$179 ₱11.3K

$144 ₱9,027

24.64%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

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

Last update for Baguio: September 5, 2026

Last update for Naga: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $411 in Baguio and $157 in Naga. Housing cost is often the main lever when comparing two cities.

Baguio pays 25% 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: $16.00 in Baguio vs $13.00 in Naga. Groceries flip the comparison at $178 vs $208, with Baguio 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 37% 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.

Average pay runs 25% 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: $411 in Baguio versus $157 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $763 per month in Baguio versus $557 in Naga – a 37% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Baguio pay roughly 17% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

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 37% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.