Last update: Oct 2026

Cost of Living Comparison Between Baguio and Naga

For one person, living is cheaper in Naga: $552 a month against $737 in Baguio, rent and utilities included – about $2,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Baguio
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Baguio Living Index

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Baguio

🇵🇭 Philippines

$737

/mo nomad

Naga

🇵🇭 Philippines

$552

/mo nomad

Monthly Cost of Living

How much you'll spend in Baguio and in Naga

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 Naga actually costs, broken down by who's living it.

Monthly costs for one person with rent: $737 in Baguio versus $552 in Naga.

Baguio $737
Naga $552

Estimated couple costs with rent: $1,148 in Baguio versus $845 in Naga.

Baguio $1,148
Naga $845

Monthly costs for a family of three with rent: $1,558 in Baguio versus $1,138 in Naga.

Baguio $1,558
Naga $1,138

Living in Baguio is roughly 34% more expensive than in Naga, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Baguio 46% lower, Naga 59% lower.

Meal at Budget Restaurant

$3.92 ₱251

$5.10 ₱326

-23.14%

Three-Course Dinner for Two, Mid-Range

$16.66 ₱1,064

$13.37 ₱854

24.61%

Fast Food Meal (McDonalds, etc)

$2.73 ₱174

$2.77 ₱177

-1.44%

Cappuccino

$1.80 ₱115

$2.74 ₱175

-34.31%

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

$0.55 ₱35.21

$0.67 ₱42.90

-17.91%

Water (0.33 liter bottle)

$0.33 ₱21.28

$0.22 ₱14.03

50.00%

Local Beer (0.5 liter draught)

$0.99 ₱63.6

$1.31 ₱83.4

-24.43%

Imported Beer (0.33 liter bottle)

$1.54 ₱98.2

$3.09 ₱198

-50.16%

Milk (1 liter)

$1.59 ₱101

$1.95 ₱125

-18.46%

White Bread (500g)

$1.14 ₱73.1

$0.80 ₱51.1

42.50%

Rice (white) (1kg)

$0.97 ₱61.7

$0.77 ₱49.27

25.97%

Eggs

$1.99 ₱127

$1.68 ₱107

18.45%

Local Cheese (1kg)

$5.11 ₱326

$10.06 ₱643

-49.20%

Chicken Fillets (1kg)

$3.27 ₱209

$4.12 ₱264

-20.63%

Beef Round Steak (1kg)

$7.63 ₱487

$6.84 ₱437

11.55%

Apples (1kg)

$2.19 ₱140

$1.90 ₱121

15.26%

Banana (1kg)

$1.55 ₱99.3

$1.66 ₱106

-6.63%

Oranges (1kg)

$2.26 ₱144

$2.41 ₱154

-6.22%

Tomato (1kg)

$1.02 ₱65.1

$2.37 ₱152

-56.96%

Potato (1kg)

$1.73 ₱110

$2.53 ₱162

-31.62%

Onion (1kg)

$1.69 ₱108

$2.21 ₱141

-23.53%

Lettuce (1 head)

$0.65 ₱41.24

$4.63 ₱296

-85.96%

Water (1.5 liter bottle)

$0.51 ₱32.75

$0.60 ₱38.38

-15.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.94 ₱188

$2.76 ₱176

6.52%

Wine (Bottle)

$8.50 ₱543

$3.77 ₱241

125.46%

Local Beer (0.5 liter bottle)

$0.95 ₱60.5

$1.53 ₱97.6

-37.91%

Imported Beer (0.33 liter bottle)

$2.05 ₱131

One-way Ticket (Public Transport)

$0.22 ₱14.05

Public Transport Monthly Pass (Regular Price)

$12.90 ₱825

Taxi Start (Normal Tariff)

$0.81 ₱51.9

$0.58 ₱36.83

39.66%

Taxi (Normal Tariff) (1km)

$0.24 ₱15.39

Taxi 1hour Waiting (Normal Tariff)

$1.90 ₱121

Gasoline (1 liter)

$1.19 ₱76.2

$1.19 ₱76.0

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

$21.3K ₱1.4M

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

$18.8K ₱1.2M

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

$136 ₱8,684

$97.7 ₱6,243

39.10%

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

$17.08 ₱1,091

$23.84 ₱1,523

-28.36%

Internet (50+ Mbps, Unlimited Data)

$23.01 ₱1,470

$25.59 ₱1,635

-10.08%

Gym Membership (Monthly)

$20.76 ₱1,326

$7.73 ₱494

168.56%

Tennis Court (1 Hour on Weekend)

$5.23 ₱334

Cinema Ticket

$5.03 ₱322

$4.80 ₱307

4.79%

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

$132 ₱8,465

International Primary School, 1 Child (Yearly)

$10.6K ₱674.1K

$7,801 ₱498.4K

35.26%

Jeans (Levis 501 Or Similar)

$28.91 ₱1,847

Summer Dress (H&M, Zara, etc)

$19.53 ₱1,248

Sport Shoes (Adidas, Nike)

$71.5 ₱4,568

Men's Leather Business Shoes

$54.9 ₱3,507

1-bedroom Apartment, City Center (Monthly)

$393 ₱25.1K

$158 ₱10.1K

148.49%

1-bedroom Apartment, Outside City Center (Monthly)

$192 ₱12.3K

$85.9 ₱5,487

123.80%

3-bedroom Apartment, City Center (Monthly)

$819 ₱52.3K

$240 ₱15.4K

240.86%

3-bedroom Apartment, Outside City Center (Monthly)

$463 ₱29.6K

$195 ₱12.5K

137.00%

Buy Apartment in City Center (m2)

$3,156 ₱201.6K

Buy Apartment Outside City Center (m2)

$1,526 ₱97.5K

Average Monthly Net Salary (After Tax)

$179 ₱11.4K

$138 ₱8,843

29.39%

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: October 25, 2026

Last update for Naga: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Baguio

$192 26.1%

Naga

–

Monthly Utilities & Internet

Baguio

$176 23.9%

Naga

–

Groceries & Markets

Baguio

$171 23.2%

Naga

–

Clothing & Footwear

Baguio

$79 10.7%

Naga

–

Eating Out

Baguio

$73 9.9%

Naga

–

Sport & Entertainment

Baguio

$31 4.2%

Naga

–

Getting Around

Baguio

$16 2.1%

Naga

–

Cost Breakdown

A one-bedroom apartment in the center runs $393 in Baguio and $158 in Naga. Housing cost is often the main lever when comparing two cities.

Baguio pays 29% 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 in Baguio vs $13 in Naga. Groceries flip the comparison at $171 vs $202, with Baguio cheaper for home cooking.

Good to know

🇵🇭 Baguio

🇵🇭 Naga

🕒 Local time

06:11 6:11 AM

Same time as Baguio

🌤 Weather

👥 Population

366,358

115,750

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Baguio Naga 420 km

From you

Baguio
Naga

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 Naga: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 25% 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 29% 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: $393 in Baguio versus $158 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $737 per month in Baguio versus $552 in Naga – Naga is about 25% cheaper, which adds up to real savings over time.

Shoppers in Baguio pay roughly 15% 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.

Safety-wise, Baguio and Naga are both considered safe, so it’s unlikely to be the deciding factor between them.

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.