Last update: Oct 2026

Cost of Living Comparison Between Cagayan de Oro City and Baguio

For one person, living costs are similar in Cagayan de Oro City and in Baguio: $771 and $757 a month, rent and utilities included.

37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index
37

Cost of Living Index in Baguio
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Baguio Living Index

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Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Baguio

🇵🇭 Philippines

$757

/mo nomad

Monthly Cost of Living

How much you'll spend in Cagayan de Oro City and in Baguio

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cagayan de Oro City and in Baguio actually costs, broken down by who's living it.

Monthly costs for one person with rent: $771 in Cagayan de Oro City versus $757 in Baguio.

Cagayan de Oro City $771
Baguio $757

Estimated couple costs with rent: $1,141 in Cagayan de Oro City versus $1,171 in Baguio.

Cagayan de Oro City $1,141
Baguio $1,171

Monthly costs for a family of three with rent: $1,511 in Cagayan de Oro City versus $1,585 in Baguio.

Cagayan de Oro City $1,511
Baguio $1,585

Living in Cagayan de Oro City is roughly 2% more expensive than in Baguio, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cagayan de Oro City 43% lower, Baguio 44% lower.

Meal at Budget Restaurant

$3.68 ₱232

$4.04 ₱255

-8.91%

Three-Course Dinner for Two, Mid-Range

$12.80 ₱806

$16.77 ₱1,056

-23.67%

Fast Food Meal (McDonalds, etc)

$3.05 ₱192

$2.85 ₱180

7.02%

Cappuccino

$2.33 ₱147

$1.86 ₱117

25.27%

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

$0.76 ₱47.93

$0.59 ₱37.36

28.81%

Water (0.33 liter bottle)

$0.64 ₱40.00

$0.30 ₱19.18

113.33%

Local Beer (0.5 liter draught)

$1.38 ₱86.9

$0.97 ₱61.3

42.27%

Imported Beer (0.33 liter bottle)

$1.98 ₱124

$1.57 ₱99.0

26.11%

Milk (1 liter)

$1.48 ₱93.5

$1.69 ₱106

-12.43%

White Bread (500g)

$0.89 ₱56.2

$1.12 ₱70.7

-20.54%

Rice (white) (1kg)

$0.92 ₱58.0

$0.96 ₱60.5

-4.17%

Eggs

$2.17 ₱137

$2.03 ₱128

6.90%

Local Cheese (1kg)

$8.67 ₱546

$5.22 ₱329

66.09%

Chicken Fillets (1kg)

$3.29 ₱207

$3.34 ₱210

-1.50%

Beef Round Steak (1kg)

$5.76 ₱363

$8.04 ₱506

-28.36%

Apples (1kg)

$2.05 ₱129

$2.31 ₱145

-11.26%

Banana (1kg)

$1.08 ₱68.3

$1.59 ₱100

-32.08%

Oranges (1kg)

$2.38 ₱150

$2.35 ₱148

1.28%

Tomato (1kg)

$1.14 ₱71.9

$1.08 ₱67.8

5.56%

Potato (1kg)

$1.92 ₱121

$1.69 ₱107

13.61%

Onion (1kg)

$2.53 ₱159

$1.76 ₱111

43.75%

Lettuce (1 head)

$0.76 ₱47.89

$0.62 ₱38.87

22.58%

Water (1.5 liter bottle)

$0.48 ₱30.31

$0.50 ₱31.34

-4.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.02 ₱190

$2.87 ₱181

5.23%

Wine (Bottle)

$3.97 ₱250

$9.00 ₱567

-55.89%

Local Beer (0.5 liter bottle)

$1.22 ₱77.0

$0.92 ₱57.9

32.61%

Imported Beer (0.33 liter bottle)

$1.93 ₱122

$2.02 ₱127

-4.46%

One-way Ticket (Public Transport)

$0.41 ₱26.00

$0.25 ₱15.85

64.00%

Public Transport Monthly Pass (Regular Price)

$9.84 ₱620

$12.90 ₱812

-23.72%

Taxi Start (Normal Tariff)

$0.63 ₱39.59

$0.77 ₱48.37

-18.18%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.19

$0.23 ₱14.45

-8.70%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱122

$1.93 ₱121

0.52%

Gasoline (1 liter)

$1.08 ₱67.8

$1.25 ₱78.7

-13.60%

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

$21.1K ₱1.3M

$21.5K ₱1.4M

-1.54%

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

$18.9K ₱1.2M

$19.0K ₱1.2M

-0.56%

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

$137 ₱8,604

$138 ₱8,686

-0.94%

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

$22.77 ₱1,434

$17.71 ₱1,116

28.57%

Internet (50+ Mbps, Unlimited Data)

$30.51 ₱1,922

$23.76 ₱1,497

28.41%

Gym Membership (Monthly)

$20.70 ₱1,304

$21.05 ₱1,326

-1.66%

Tennis Court (1 Hour on Weekend)

$2.87 ₱181

$5.19 ₱327

-44.70%

Cinema Ticket

$4.55 ₱286

$5.30 ₱334

-14.15%

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

$66.4 ₱4,183

$135 ₱8,490

-50.73%

International Primary School, 1 Child (Yearly)

$2,257 ₱142.2K

$10.7K ₱674.1K

-78.91%

Jeans (Levis 501 Or Similar)

$31.71 ₱1,998

$28.76 ₱1,812

10.26%

Summer Dress (H&M, Zara, etc)

$13.08 ₱824

$19.76 ₱1,244

-33.81%

Sport Shoes (Adidas, Nike)

$52.4 ₱3,302

$71.1 ₱4,481

-26.31%

Men's Leather Business Shoes

$39.65 ₱2,498

$56.4 ₱3,553

-29.70%

1-bedroom Apartment, City Center (Monthly)

$377 ₱23.8K

$409 ₱25.8K

-7.78%

1-bedroom Apartment, Outside City Center (Monthly)

$229 ₱14.4K

$200 ₱12.6K

14.50%

3-bedroom Apartment, City Center (Monthly)

$693 ₱43.7K

$836 ₱52.6K

-17.03%

3-bedroom Apartment, Outside City Center (Monthly)

$452 ₱28.5K

$466 ₱29.3K

-2.93%

Buy Apartment in City Center (m2)

$1,604 ₱101.0K

$2,647 ₱166.7K

-39.42%

Buy Apartment Outside City Center (m2)

$951 ₱59.9K

$930 ₱58.6K

2.22%

Average Monthly Net Salary (After Tax)

$302 ₱19.0K

$182 ₱11.4K

66.40%

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 Cagayan de Oro City: October 13, 2026

Last update for Baguio: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cagayan de Oro City

$229 29.6%

Baguio

$200 26.4% 12.7% $29

Monthly Utilities & Internet

Cagayan de Oro City

$190 24.6%

Baguio

$179 23.7% 5.5% $11

Groceries & Markets

Cagayan de Oro City

$165 21.4%

Baguio

$176 23.3% 6.5% $11

Eating Out

Cagayan de Oro City

$83 10.8%

Baguio

$75 9.9% 9.8% $8.1

Clothing & Footwear

Cagayan de Oro City

$62 8%

Baguio

$79 10.5% 28.6% $18

Sport & Entertainment

Cagayan de Oro City

$30 3.9%

Baguio

$32 4.2% 6.2% $1.9

Getting Around

Cagayan de Oro City

$13 1.7%

Baguio

$16 2.1% 20.1% $2.7

Cost Breakdown

A one-bedroom apartment in the center runs $377 in Cagayan de Oro City and $409 in Baguio. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 66% 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: $13.00 in Cagayan de Oro City vs $17.00 in Baguio for a mid-range dinner for two. Groceries echo the gap at $165 vs $176 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇵🇭 Cagayan de Oro City

🇵🇭 Baguio

🕒 Local time

20:01 8:01 PM

Same time as Cagayan de Oro City

🌤 Weather

👥 Population

728,402

366,358

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Cagayan de Oro City Baguio 990 km ≈ 1 h 45 min nonstop flight

From you

Cagayan de Oro City
Baguio

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

Cagayan de Oro City vs Baguio: Cost of Living - Frequently Asked Questions

Baguio wins on cost – living expenses run 2% lower than in Cagayan de Oro City. Housing and daily spending are where you'll feel the difference most, making Baguio the obvious pick if budget is a priority.

Average pay runs 66% higher in Cagayan de Oro City, 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: $377 in Cagayan de Oro City versus $409 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $771 per month in Cagayan de Oro City versus $757 in Baguio – a 2% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Baguio runs roughly 31% less than in Cagayan de Oro City. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Baguio gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both work as nomad bases, but Baguio delivers better value – similar infrastructure at $757 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Baguio hard to pass up.

Safety-wise, Cagayan de Oro City and Baguio 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 Baguio gentler on the wallet – expenses run 2% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.