Cost of Living Comparison Between Baguio and Toledo City Cost of Living Comparison Between Baguio and Toledo City

Monthly Cost of Living

Monthly costs for one person with rent: $788 in Baguio versus $687 in Toledo City.

Estimated couple costs with rent: $1,154 in Baguio versus $1,095 in Toledo City.

Monthly costs for a family of three with rent: $1,520 in Baguio versus $1,502 in Toledo City.

Living in Baguio is roughly 15% more expensive than Toledo City, driven mainly by Groceries & Markets.

Both cities sit below the global median: Baguio 41% lower, Toledo City 49% lower.

Meal at Budget Restaurant

$3.57 ₱220

$2.69 ₱166

32.71%

Three-Course Dinner for Two, Mid-Range

$13.38 ₱825

$21.17 ₱1,305

-36.80%

Fast Food Meal (McDonalds, etc)

$2.64 ₱162

$3.47 ₱214

-23.92%

Cappuccino

$2.36 ₱145

$1.97 ₱122

19.80%

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

$0.65 ₱40.14

$0.53 ₱32.58

22.64%

Water (0.33 liter bottle)

$0.38 ₱23.18

$0.30 ₱18.41

26.67%

Local Beer (0.5 liter draught)

$1.39 ₱85.5

$0.96 ₱59.0

44.79%

Imported Beer (0.33 liter bottle)

$1.89 ₱117

$1.73 ₱106

9.25%

Milk (1 liter)

$1.88 ₱116

$1.79 ₱110

5.03%

White Bread (500g)

$1.19 ₱73.4

$1.17 ₱72.2

1.71%

Rice (white) (1kg)

$1.12 ₱68.8

$0.93 ₱57.5

20.43%

Eggs

$2.22 ₱137

$2.15 ₱133

3.26%

Local Cheese (1kg)

$9.21 ₱568

$5.85 ₱360

57.44%

Chicken Fillets (1kg)

$3.74 ₱231

$4.34 ₱267

-13.82%

Beef Round Steak (1kg)

$8.33 ₱514

$6.78 ₱418

22.86%

Apples (1kg)

$2.74 ₱169

$2.32 ₱143

18.10%

Banana (1kg)

$1.80 ₱111

$1.14 ₱70.3

57.89%

Oranges (1kg)

$2.39 ₱147

$2.03 ₱125

17.73%

Tomato (1kg)

$1.20 ₱74.3

$1.57 ₱96.5

-23.57%

Potato (1kg)

$1.81 ₱112

$2.39 ₱148

-24.27%

Onion (1kg)

$2.29 ₱141

$1.19 ₱73.4

92.44%

Lettuce (1 head)

$0.73 ₱45.12

$1.67 ₱103

-56.29%

Water (1.5 liter bottle)

$0.72 ₱44.25

$0.91 ₱55.9

-20.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.26 ₱201

$1.26 ₱77.9

158.73%

Wine (Bottle)

$9.08 ₱560

$4.19 ₱258

116.71%

Local Beer (0.5 liter bottle)

$1.06 ₱65.5

$1.23 ₱75.9

-13.82%

Imported Beer (0.33 liter bottle)

$2.31 ₱143

$1.89 ₱116

22.22%

One-way Ticket (Public Transport)

$0.26 ₱15.91

$0.28 ₱17.36

-7.14%

Public Transport Monthly Pass (Regular Price)

$10.85 ₱669

Taxi Start (Normal Tariff)

$0.92 ₱57.0

$0.69 ₱42.26

33.33%

Taxi (Normal Tariff) (1km)

$0.24 ₱14.88

$0.25 ₱15.53

-4.00%

Taxi 1hour Waiting (Normal Tariff)

$2.40 ₱148

$2.70 ₱166

-11.11%

Gasoline (1 liter)

$1.12 ₱69.0

$1.14 ₱70.2

-1.75%

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

$31.8K ₱2.0M

$24.3K ₱1.5M

31.08%

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

$20.3K ₱1.3M

$19.4K ₱1.2M

5.02%

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

$147 ₱9,087

$66.3 ₱4,090

122.18%

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

$35.37 ₱2,181

$30.65 ₱1,890

15.40%

Internet (50+ Mbps, Unlimited Data)

$26.43 ₱1,630

$29.80 ₱1,838

-11.31%

Gym Membership (Monthly)

$22.38 ₱1,380

$33.57 ₱2,070

-33.33%

Tennis Court (1 Hour on Weekend)

$4.18 ₱257

$4.34 ₱268

-3.69%

Cinema Ticket

$5.60 ₱346

$1.74 ₱108

221.84%

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

$154 ₱9,495

$87.2 ₱5,377

76.59%

International Primary School, 1 Child (Yearly)

$4,706 ₱290.2K

$4,309 ₱265.7K

9.24%

Jeans (Levis 501 Or Similar)

$47.79 ₱2,947

$46.53 ₱2,869

2.71%

Summer Dress (H&M, Zara, etc)

$27.10 ₱1,671

$22.63 ₱1,396

19.75%

Sport Shoes (Adidas, Nike)

$76.1 ₱4,690

$60.9 ₱3,753

24.95%

Men's Leather Business Shoes

$45.80 ₱2,824

$79.1 ₱4,877

-42.09%

1-bedroom Apartment, City Center (Monthly)

$345 ₱21.3K

$411 ₱25.3K

-15.98%

1-bedroom Apartment, Outside City Center (Monthly)

$145 ₱8,959

$177 ₱10.9K

-18.04%

3-bedroom Apartment, City Center (Monthly)

$549 ₱33.8K

$596 ₱36.8K

-7.97%

3-bedroom Apartment, Outside City Center (Monthly)

$261 ₱16.1K

$399 ₱24.6K

-34.53%

Buy Apartment in City Center (m2)

$2,417 ₱149.1K

$2,471 ₱152.4K

-2.18%

Buy Apartment Outside City Center (m2)

$933 ₱57.5K

$962 ₱59.3K

-2.99%

Average Monthly Net Salary (After Tax)

$181 ₱11.2K

$329 ₱20.3K

-44.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.5

-25.00%

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

Last update for Baguio: June 2, 2026

Last update for Toledo City: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $345 in Baguio and $411 in Toledo City. Housing cost is often the main lever when comparing two cities.

Toledo City pays 81% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $13.00 in Baguio vs $21.00 in Toledo City. Groceries flip the comparison at $205 vs $181, with Toledo City 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 Toledo City: Cost of Living - Frequently Asked Questions

Toledo City wins on cost – living expenses run 15% lower than in Baguio. Housing and daily spending are where you'll feel the difference most, making Toledo City the obvious pick if budget is a priority.

On paper, Toledo City earns 81% less. 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: $345 in Baguio versus $411 in Toledo City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 13% 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 $687 in Toledo City – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Toledo City 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 Toledo City 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 Toledo City gentler on the wallet – expenses run 15% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.