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: $763 in Baguio versus $644 in Toledo City.

Estimated couple costs with rent: $1,175 in Baguio versus $1,034 in Toledo City.

Monthly costs for a family of three with rent: $1,586 in Baguio versus $1,424 in Toledo City.

Living in Baguio is roughly 18% more expensive than in Toledo City, driven mainly by Groceries & Markets.

Both cities sit below the global median: Baguio 45% lower, Toledo City 53% lower.

Meal at Budget Restaurant

$3.95 ₱248

$2.88 ₱180

37.15%

Three-Course Dinner for Two, Mid-Range

$16.48 ₱1,033

$19.11 ₱1,198

-13.76%

Fast Food Meal (McDonalds, etc)

$2.88 ₱180

$3.17 ₱199

-9.15%

Cappuccino

$1.77 ₱111

$1.95 ₱122

-9.23%

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

$0.61 ₱37.95

$0.66 ₱41.35

-7.58%

Water (0.33 liter bottle)

$0.32 ₱19.93

$0.32 ₱20.05

Local Beer (0.5 liter draught)

$0.98 ₱61.2

$1.06 ₱66.5

-7.55%

Imported Beer (0.33 liter bottle)

$1.56 ₱98.1

$1.81 ₱113

-13.81%

Milk (1 liter)

$1.69 ₱106

$1.68 ₱105

0.60%

White Bread (500g)

$1.16 ₱72.6

$1.20 ₱75.5

-3.33%

Rice (white) (1kg)

$1.02 ₱63.9

$0.91 ₱57.0

12.09%

Eggs

$2.07 ₱130

$1.95 ₱123

6.15%

Local Cheese (1kg)

$5.15 ₱323

$5.90 ₱370

-12.71%

Chicken Fillets (1kg)

$3.40 ₱213

$4.09 ₱257

-16.87%

Beef Round Steak (1kg)

$8.09 ₱507

$6.06 ₱380

33.50%

Apples (1kg)

$2.31 ₱145

$3.28 ₱206

-29.57%

Banana (1kg)

$1.57 ₱98.1

$1.03 ₱64.8

52.43%

Oranges (1kg)

$2.41 ₱151

$2.92 ₱183

-17.47%

Tomato (1kg)

$1.07 ₱66.9

$1.45 ₱90.8

-26.21%

Potato (1kg)

$1.76 ₱110

$2.41 ₱151

-26.97%

Onion (1kg)

$1.77 ₱111

$2.76 ₱173

-35.87%

Lettuce (1 head)

$0.62 ₱38.90

$1.46 ₱91.6

-57.53%

Water (1.5 liter bottle)

$0.53 ₱33.24

$0.76 ₱47.76

-30.26%

Cigarettes 20 Pack (Marlboro, Camel)

$2.87 ₱180

$0.79 ₱49.45

263.29%

Wine (Bottle)

$9.02 ₱565

$6.48 ₱406

39.20%

Local Beer (0.5 liter bottle)

$0.96 ₱60.1

$1.10 ₱69.0

-12.73%

Imported Beer (0.33 liter bottle)

$2.10 ₱131

$1.31 ₱81.9

60.31%

One-way Ticket (Public Transport)

$0.25 ₱15.71

$0.27 ₱17.04

-7.41%

Public Transport Monthly Pass (Regular Price)

$12.99 ₱814

$11.01 ₱690

17.98%

Taxi Start (Normal Tariff)

$0.84 ₱52.4

$0.75 ₱47.01

12.00%

Taxi (Normal Tariff) (1km)

$0.25 ₱15.69

$0.36 ₱22.63

-30.56%

Taxi 1hour Waiting (Normal Tariff)

$1.97 ₱123

$2.36 ₱148

-16.53%

Gasoline (1 liter)

$1.15 ₱72.2

$1.09 ₱68.5

5.50%

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

$21.0K ₱1.3M

$21.4K ₱1.3M

-1.59%

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

$19.6K ₱1.2M

0.19%

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

$139 ₱8,708

$62.9 ₱3,944

120.77%

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

$17.39 ₱1,090

$9.41 ₱590

84.80%

Internet (50+ Mbps, Unlimited Data)

$23.64 ₱1,482

$27.68 ₱1,736

-14.60%

Gym Membership (Monthly)

$21.34 ₱1,338

$31.56 ₱1,979

-32.38%

Tennis Court (1 Hour on Weekend)

$5.20 ₱326

$4.73 ₱297

9.94%

Cinema Ticket

$5.10 ₱320

$1.58 ₱98.9

222.78%

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

$134 ₱8,395

$79.9 ₱5,009

67.59%

International Primary School, 1 Child (Yearly)

$10.6K ₱662.1K

$8,197 ₱513.9K

28.85%

Jeans (Levis 501 Or Similar)

$28.47 ₱1,785

$32.20 ₱2,019

-11.58%

Summer Dress (H&M, Zara, etc)

$19.81 ₱1,242

$19.59 ₱1,228

1.12%

Sport Shoes (Adidas, Nike)

$70.8 ₱4,438

$55.0 ₱3,445

28.84%

Men's Leather Business Shoes

$56.6 ₱3,547

$55.9 ₱3,505

1.22%

1-bedroom Apartment, City Center (Monthly)

$411 ₱25.7K

$272 ₱17.1K

50.71%

1-bedroom Apartment, Outside City Center (Monthly)

$198 ₱12.4K

$173 ₱10.9K

14.27%

3-bedroom Apartment, City Center (Monthly)

$849 ₱53.2K

$509 ₱31.9K

66.85%

3-bedroom Apartment, Outside City Center (Monthly)

$465 ₱29.1K

$347 ₱21.7K

34.12%

Buy Apartment in City Center (m2)

$2,662 ₱166.9K

$2,614 ₱163.9K

1.83%

Buy Apartment Outside City Center (m2)

$900 ₱56.4K

$1,060 ₱66.4K

-15.09%

Average Monthly Net Salary (After Tax)

$179 ₱11.3K

$324 ₱20.3K

-44.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

12.50%

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

Last update for Baguio: September 5, 2026

Last update for Toledo City: September 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $411 in Baguio and $272 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: $16.00 in Baguio vs $19.00 in Toledo City for a mid-range dinner for two. Groceries echo the gap at $178 vs $187 per month, with Baguio cheaper across the board.

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 18% 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 81% 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: $411 in Baguio versus $272 in Toledo City. 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 $644 in Toledo City – a 18% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Toledo City runs roughly 18% less than in Baguio. Both cities have functional networks, but the price difference matters if you're watching your budget.

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 18% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.