Last update: Oct 2026

Cost of Living Comparison Between Baguio and Toledo City

For one person, living is cheaper in Toledo City: $644 a month against $737 in Baguio, rent and utilities included – about $1,100 less a year. Higher rent and utilities in Baguio outweigh lower spending on other living expenses.

36

Cost of Living Index in Baguio
Learn more

Baguio Living Index
31

Cost of Living Index in Toledo City
Learn more

Toledo City Living Index

Jump to prices

Baguio

🇵🇭 Philippines

$737

/mo nomad

Toledo City

🇵🇭 Philippines

$644

/mo nomad

Monthly Cost of Living

How much you'll spend in Baguio and in Toledo City

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

Monthly costs for one person with rent: $737 in Baguio versus $644 in Toledo City.

Baguio $737
Toledo City $644

Estimated couple costs with rent: $1,148 in Baguio versus $1,018 in Toledo City.

Baguio $1,148
Toledo City $1,018

Monthly costs for a family of three with rent: $1,558 in Baguio versus $1,391 in Toledo City.

Baguio $1,558
Toledo City $1,391

Living in Baguio is roughly 14% more expensive than in Toledo City, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Baguio 46% lower, Toledo City 53% lower.

Meal at Budget Restaurant

$3.92 ₱250

$2.77 ₱176

41.52%

Three-Course Dinner for Two, Mid-Range

$16.66 ₱1,062

$18.50 ₱1,179

-9.95%

Fast Food Meal (McDonalds, etc)

$2.73 ₱174

$3.15 ₱201

-13.33%

Cappuccino

$1.80 ₱115

$1.84 ₱117

-2.17%

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

$0.55 ₱35.11

$0.68 ₱43.14

-19.12%

Water (0.33 liter bottle)

$0.33 ₱21.22

$0.33 ₱21.26

Local Beer (0.5 liter draught)

$0.99 ₱63.4

$1.09 ₱69.2

-9.17%

Imported Beer (0.33 liter bottle)

$1.54 ₱97.9

$1.67 ₱107

-7.78%

Milk (1 liter)

$1.59 ₱101

$1.65 ₱105

-3.64%

White Bread (500g)

$1.14 ₱72.9

$1.19 ₱75.8

-4.20%

Rice (white) (1kg)

$0.97 ₱61.5

$0.81 ₱51.5

19.75%

Eggs

$1.99 ₱127

$1.82 ₱116

9.34%

Local Cheese (1kg)

$5.11 ₱326

$5.83 ₱371

-12.35%

Chicken Fillets (1kg)

$3.27 ₱209

$3.88 ₱247

-15.72%

Beef Round Steak (1kg)

$7.63 ₱486

$6.14 ₱391

24.27%

Apples (1kg)

$2.19 ₱140

$3.14 ₱200

-30.25%

Banana (1kg)

$1.55 ₱99.1

$1.06 ₱67.6

46.23%

Oranges (1kg)

$2.26 ₱144

$2.80 ₱179

-19.29%

Tomato (1kg)

$1.02 ₱64.9

$1.41 ₱90.1

-27.66%

Potato (1kg)

$1.73 ₱110

$2.25 ₱143

-23.11%

Onion (1kg)

$1.69 ₱108

$2.78 ₱177

-39.21%

Lettuce (1 head)

$0.65 ₱41.13

$1.43 ₱91.3

-54.55%

Water (1.5 liter bottle)

$0.51 ₱32.66

$0.76 ₱48.48

-32.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.94 ₱187

$0.82 ₱52.1

258.54%

Wine (Bottle)

$8.50 ₱542

$6.35 ₱405

33.86%

Local Beer (0.5 liter bottle)

$0.95 ₱60.3

$1.07 ₱68.3

-11.21%

Imported Beer (0.33 liter bottle)

$2.05 ₱131

$1.27 ₱80.7

61.42%

One-way Ticket (Public Transport)

$0.22 ₱14.02

$0.25 ₱15.63

-12.00%

Public Transport Monthly Pass (Regular Price)

$12.90 ₱822

$11.41 ₱727

13.06%

Taxi Start (Normal Tariff)

$0.81 ₱51.7

$0.76 ₱48.32

6.58%

Taxi (Normal Tariff) (1km)

$0.24 ₱15.35

$0.36 ₱22.65

-33.33%

Taxi 1hour Waiting (Normal Tariff)

$1.90 ₱121

$2.30 ₱147

-17.39%

Gasoline (1 liter)

$1.19 ₱76.0

$1.17 ₱74.5

1.71%

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

$21.3K ₱1.4M

$21.1K ₱1.3M

0.67%

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

$18.8K ₱1.2M

$19.1K ₱1.2M

-1.78%

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

$136 ₱8,660

$62.0 ₱3,950

119.25%

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

$17.08 ₱1,088

$9.21 ₱587

85.45%

Internet (50+ Mbps, Unlimited Data)

$23.01 ₱1,466

$26.62 ₱1,696

-13.56%

Gym Membership (Monthly)

$20.76 ₱1,323

$31.01 ₱1,976

-33.05%

Tennis Court (1 Hour on Weekend)

$5.23 ₱333

$5.14 ₱328

1.75%

Cinema Ticket

$5.03 ₱321

$1.52 ₱97.1

230.92%

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

$132 ₱8,442

$79.8 ₱5,082

66.12%

International Primary School, 1 Child (Yearly)

$10.6K ₱672.3K

$8,998 ₱573.3K

17.27%

Jeans (Levis 501 Or Similar)

$28.91 ₱1,842

$32.98 ₱2,102

-12.34%

Summer Dress (H&M, Zara, etc)

$19.53 ₱1,244

$18.94 ₱1,207

3.12%

Sport Shoes (Adidas, Nike)

$71.5 ₱4,556

$54.1 ₱3,449

32.11%

Men's Leather Business Shoes

$54.9 ₱3,497

$69.4 ₱4,423

-20.93%

1-bedroom Apartment, City Center (Monthly)

$393 ₱25.1K

$254 ₱16.2K

55.01%

1-bedroom Apartment, Outside City Center (Monthly)

$192 ₱12.2K

$170 ₱10.8K

13.35%

3-bedroom Apartment, City Center (Monthly)

$819 ₱52.2K

$497 ₱31.7K

64.69%

3-bedroom Apartment, Outside City Center (Monthly)

$463 ₱29.5K

$355 ₱22.6K

30.47%

Buy Apartment in City Center (m2)

$3,156 ₱201.1K

$2,669 ₱170.1K

18.24%

Buy Apartment Outside City Center (m2)

$1,526 ₱97.2K

$1,128 ₱71.9K

35.24%

Average Monthly Net Salary (After Tax)

$179 ₱11.4K

$318 ₱20.2K

-43.62%

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: October 25, 2026

Last update for Toledo City: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Baguio

$192 26.1%

Toledo City

$170 26.3% 11.8% $23

Monthly Utilities & Internet

Baguio

$176 23.9%

Toledo City

$98 15.2% 44.4% $78

Groceries & Markets

Baguio

$171 23.2%

Toledo City

$182 28.3% 6.5% $11

Clothing & Footwear

Baguio

$79 10.7%

Toledo City

$79 12.3% 0.4% $0.3

Eating Out

Baguio

$73 9.9%

Toledo City

$66 10.3% 8.6% $6.3

Sport & Entertainment

Baguio

$31 4.2%

Toledo City

$34 5.3% 10.5% $3.2

Getting Around

Baguio

$16 2.1%

Toledo City

$15 2.3% 5.5% $0.9

Cost Breakdown

A one-bedroom apartment in the center runs $393 in Baguio and $254 in Toledo City. Housing cost is often the main lever when comparing two cities.

Toledo City pays 77% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $17 in Baguio vs $19 in Toledo City for a mid-range dinner for two. Groceries echo the gap at $171 vs $182 per month, with Baguio cheaper across the board.

Good to know

🇵🇭 Baguio

🇵🇭 Toledo City

🕒 Local time

20:03 8:03 PM

Same time as Baguio

🌤 Weather

👥 Population

366,358

206,692

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Baguio Toledo City 750 km ≈ 1 h 30 min nonstop flight

From you

Baguio
Toledo City

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 Toledo City: Cost of Living - Frequently Asked Questions

Toledo City wins on cost – living expenses run 13% 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 44% lower in Baguio. 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: $393 in Baguio versus $254 in Toledo City. 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 $644 in Toledo City – Toledo City is about 13% cheaper, which adds up to real savings over time.

A monthly transit pass in Toledo City runs roughly 12% less than in Baguio. The price difference matters if you commute daily and watch 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.