Cost of Living Comparison Between Cagayan de Oro City and Baguio Cost of Living Comparison Between Cagayan de Oro City and Baguio

Monthly Cost of Living

Monthly costs for one person with rent: $758 in Cagayan de Oro City versus $748 in Baguio.

Estimated couple costs with rent: $1,126 in Cagayan de Oro City versus $1,182 in Baguio.

Monthly costs for a family of three with rent: $1,494 in Cagayan de Oro City versus $1,616 in Baguio.

Living in Cagayan de Oro City is roughly 1% more expensive than in Baguio, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Cagayan de Oro City 45% lower, Baguio 46% lower.

Meal at Budget Restaurant

$3.54 ₱221

$4.03 ₱251

-12.16%

Three-Course Dinner for Two, Mid-Range

$12.65 ₱789

$16.79 ₱1,047

-24.66%

Fast Food Meal (McDonalds, etc)

$3.05 ₱190

$2.77 ₱173

10.11%

Cappuccino

$2.31 ₱144

$1.79 ₱111

29.05%

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

$0.71 ₱44.38

$0.55 ₱34.62

29.09%

Water (0.33 liter bottle)

$0.86 ₱53.7

$0.35 ₱21.53

145.71%

Local Beer (0.5 liter draught)

$1.43 ₱89.5

$1.02 ₱63.7

40.20%

Imported Beer (0.33 liter bottle)

$1.95 ₱122

$1.64 ₱103

18.90%

Milk (1 liter)

$1.54 ₱96.3

$1.62 ₱101

-4.94%

White Bread (500g)

$0.83 ₱52.1

$1.12 ₱69.8

-25.89%

Rice (white) (1kg)

$0.97 ₱60.7

$0.98 ₱61.2

-1.02%

Eggs

$2.13 ₱133

$2.11 ₱131

0.95%

Local Cheese (1kg)

$8.69 ₱542

$5.00 ₱312

73.80%

Chicken Fillets (1kg)

$3.33 ₱208

$3.36 ₱210

-0.89%

Beef Round Steak (1kg)

$6.05 ₱377

$8.12 ₱507

-25.49%

Apples (1kg)

$2.07 ₱129

$2.29 ₱143

-9.61%

Banana (1kg)

$1.08 ₱67.4

$1.62 ₱101

-33.33%

Oranges (1kg)

$2.94 ₱184

$2.33 ₱145

26.18%

Tomato (1kg)

$1.18 ₱73.8

$1.08 ₱67.2

9.26%

Potato (1kg)

$2.23 ₱139

$1.68 ₱105

32.74%

Onion (1kg)

$2.65 ₱165

$1.71 ₱107

54.97%

Lettuce (1 head)

$0.78 ₱48.77

$0.62 ₱38.92

25.81%

Water (1.5 liter bottle)

$0.49 ₱30.59

$0.49 ₱30.52

Cigarettes 20 Pack (Marlboro, Camel)

$2.72 ₱170

$2.99 ₱186

-9.03%

Wine (Bottle)

$3.99 ₱249

$8.98 ₱560

-55.57%

Local Beer (0.5 liter bottle)

$1.65 ₱103

$0.95 ₱59.5

73.68%

Imported Beer (0.33 liter bottle)

$1.93 ₱120

$2.11 ₱132

-8.53%

One-way Ticket (Public Transport)

$0.42 ₱25.97

$0.25 ₱15.61

68.00%

Public Transport Monthly Pass (Regular Price)

$9.71 ₱606

$12.67 ₱791

-23.36%

Taxi Start (Normal Tariff)

$0.67 ₱41.59

$0.76 ₱47.73

-11.84%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.40

$0.25 ₱15.68

-8.00%

Taxi 1hour Waiting (Normal Tariff)

$2.44 ₱152

$1.96 ₱122

24.49%

Gasoline (1 liter)

$1.05 ₱65.3

$1.20 ₱74.8

-12.50%

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

$21.1K ₱1.3M

$21.4K ₱1.3M

-1.25%

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

$19.9K ₱1.2M

$19.6K ₱1.2M

1.76%

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

$135 ₱8,431

$144 ₱8,956

-5.86%

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

$22.36 ₱1,395

$17.30 ₱1,079

29.25%

Internet (50+ Mbps, Unlimited Data)

$30.65 ₱1,913

$23.28 ₱1,453

31.66%

Gym Membership (Monthly)

$20.16 ₱1,258

$21.30 ₱1,329

-5.35%

Tennis Court (1 Hour on Weekend)

$2.75 ₱171

$5.36 ₱335

-48.69%

Cinema Ticket

$4.41 ₱275

$5.19 ₱324

-15.03%

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

$67.0 ₱4,179

$131 ₱8,174

-48.87%

International Primary School, 1 Child (Yearly)

$2,215 ₱138.2K

$10.6K ₱662.1K

-79.12%

Jeans (Levis 501 Or Similar)

$32.42 ₱2,023

$29.51 ₱1,841

9.86%

Summer Dress (H&M, Zara, etc)

$13.40 ₱836

$19.29 ₱1,204

-30.53%

Sport Shoes (Adidas, Nike)

$52.0 ₱3,242

$73.0 ₱4,558

-28.87%

Men's Leather Business Shoes

$39.35 ₱2,455

$55.4 ₱3,458

-29.00%

1-bedroom Apartment, City Center (Monthly)

$380 ₱23.7K

$411 ₱25.6K

-7.48%

1-bedroom Apartment, Outside City Center (Monthly)

$226 ₱14.1K

$198 ₱12.3K

14.03%

3-bedroom Apartment, City Center (Monthly)

$707 ₱44.1K

$851 ₱53.1K

-17.01%

3-bedroom Apartment, Outside City Center (Monthly)

$452 ₱28.2K

$466 ₱29.1K

-2.99%

Buy Apartment in City Center (m2)

$1,590 ₱99.2K

$2,650 ₱165.4K

-39.98%

Buy Apartment Outside City Center (m2)

$950 ₱59.3K

$919 ₱57.3K

3.40%

Average Monthly Net Salary (After Tax)

$309 ₱19.3K

$180 ₱11.2K

72.07%

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: August 29, 2026

Last update for Baguio: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $380 in Cagayan de Oro City and $411 in Baguio. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 72% 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 $173 vs $175 per month, with Cagayan de Oro City 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

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

Baguio wins on cost – living expenses run 1% 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 72% 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: $380 in Cagayan de Oro City versus $411 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $758 per month in Cagayan de Oro City versus $748 in Baguio – a 1% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Baguio runs roughly 30% 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 $748 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 1% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.