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: $764 in Baguio versus $692 in Toledo City.

Estimated couple costs with rent: $1,128 in Baguio versus $1,103 in Toledo City.

Monthly costs for a family of three with rent: $1,491 in Baguio versus $1,513 in Toledo City.

Living in Baguio is roughly 10% more expensive than in Toledo City, driven mainly by Groceries & Markets.

Both cities sit below the global median: Baguio 43% lower, Toledo City 48% lower.

Meal at Budget Restaurant

$3.51 ₱216

$2.61 ₱160

34.48%

Three-Course Dinner for Two, Mid-Range

$13.35 ₱822

$21.49 ₱1,323

-37.88%

Fast Food Meal (McDonalds, etc)

$2.67 ₱165

$3.56 ₱219

-25.00%

Cappuccino

$2.35 ₱145

$1.99 ₱123

18.09%

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

$0.69 ₱42.28

$0.56 ₱34.72

23.21%

Water (0.33 liter bottle)

$0.37 ₱23.01

$0.30 ₱18.32

23.33%

Local Beer (0.5 liter draught)

$1.44 ₱88.4

$0.93 ₱57.3

54.84%

Imported Beer (0.33 liter bottle)

$1.93 ₱119

$1.75 ₱108

10.29%

Milk (1 liter)

$1.92 ₱118

$1.77 ₱109

8.47%

White Bread (500g)

$1.19 ₱73.3

$1.21 ₱74.7

-1.65%

Rice (white) (1kg)

$1.06 ₱65.3

$0.88 ₱54.3

20.45%

Eggs

$2.17 ₱134

$2.15 ₱132

0.93%

Local Cheese (1kg)

$9.41 ₱579

$6.00 ₱369

56.83%

Chicken Fillets (1kg)

$3.72 ₱229

$4.20 ₱259

-11.43%

Beef Round Steak (1kg)

$8.61 ₱530

$7.08 ₱436

21.61%

Apples (1kg)

$2.72 ₱168

$2.36 ₱145

15.25%

Banana (1kg)

$1.79 ₱110

$1.20 ₱73.6

49.17%

Oranges (1kg)

$2.35 ₱145

$1.95 ₱120

20.51%

Tomato (1kg)

$1.17 ₱72.1

$1.55 ₱95.6

-24.52%

Potato (1kg)

$1.81 ₱112

$2.49 ₱154

-27.31%

Onion (1kg)

$2.20 ₱135

$1.15 ₱71.0

91.30%

Lettuce (1 head)

$0.68 ₱41.60

$1.69 ₱104

-59.76%

Water (1.5 liter bottle)

$0.78 ₱47.77

$0.91 ₱55.8

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.33 ₱205

$1.20 ₱73.7

177.50%

Wine (Bottle)

$8.71 ₱536

$4.19 ₱258

107.88%

Local Beer (0.5 liter bottle)

$1.06 ₱65.4

$1.22 ₱75.0

-13.11%

Imported Beer (0.33 liter bottle)

$2.34 ₱144

$1.92 ₱118

21.87%

One-way Ticket (Public Transport)

$0.28 ₱17.26

$0.26 ₱15.80

7.69%

Public Transport Monthly Pass (Regular Price)

$10.81 ₱665

Taxi Start (Normal Tariff)

$0.92 ₱56.7

$0.73 ₱44.82

26.03%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.54

$0.23 ₱14.04

-4.35%

Taxi 1hour Waiting (Normal Tariff)

$2.35 ₱145

$2.68 ₱165

-12.31%

Gasoline (1 liter)

$1.11 ₱68.1

$1.14 ₱70.1

-2.63%

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

$31.7K ₱1.9M

$23.8K ₱1.5M

32.94%

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

$20.5K ₱1.3M

$19.4K ₱1.2M

5.81%

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

$144 ₱8,877

$67.2 ₱4,134

114.73%

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

$34.02 ₱2,094

$30.92 ₱1,903

10.03%

Internet (50+ Mbps, Unlimited Data)

$25.86 ₱1,592

$30.16 ₱1,857

-14.26%

Gym Membership (Monthly)

$22.30 ₱1,373

$33.48 ₱2,061

-33.39%

Tennis Court (1 Hour on Weekend)

$4.23 ₱261

$4.34 ₱267

-2.53%

Cinema Ticket

$5.79 ₱356

$1.80 ₱111

221.67%

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

$151 ₱9,286

$89.8 ₱5,531

67.90%

International Primary School, 1 Child (Yearly)

$4,640 ₱285.6K

$4,365 ₱268.7K

6.28%

Jeans (Levis 501 Or Similar)

$48.90 ₱3,010

$45.99 ₱2,831

6.33%

Summer Dress (H&M, Zara, etc)

$27.56 ₱1,697

$22.57 ₱1,390

22.11%

Sport Shoes (Adidas, Nike)

$74.1 ₱4,560

$63.2 ₱3,888

17.28%

Men's Leather Business Shoes

$45.63 ₱2,809

$80.3 ₱4,942

-43.15%

1-bedroom Apartment, City Center (Monthly)

$349 ₱21.5K

$413 ₱25.4K

-15.41%

1-bedroom Apartment, Outside City Center (Monthly)

$145 ₱8,936

$175 ₱10.8K

-17.10%

3-bedroom Apartment, City Center (Monthly)

$543 ₱33.4K

$582 ₱35.8K

-6.76%

3-bedroom Apartment, Outside City Center (Monthly)

$265 ₱16.3K

$394 ₱24.2K

-32.73%

Buy Apartment in City Center (m2)

$2,392 ₱147.2K

$2,400 ₱147.8K

-0.36%

Buy Apartment Outside City Center (m2)

$925 ₱57.0K

$986 ₱60.7K

-6.15%

Average Monthly Net Salary (After Tax)

$183 ₱11.3K

$318 ₱19.6K

-42.51%

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: July 14, 2026

Last update for Toledo City: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $349 in Baguio and $413 in Toledo City. Housing cost is often the main lever when comparing two cities.

Toledo City pays 74% 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 $206 vs $182, 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 10% 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, salaries run 74% lower in Toledo City. 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: $349 in Baguio versus $413 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 $764 per month in Baguio versus $692 in Toledo City – a 10% 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 10% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.