Last update: Oct 2026

Cost of Living Comparison Between Cagayan de Oro City and Kharkiv

For one person, living is cheaper in Kharkiv: $689 a month against $771 in Cagayan de Oro City, rent and utilities included – about $980 less a year. Higher rent and utilities in Cagayan de Oro City outweigh lower spending on other living expenses.

37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index
33

Cost of Living Index in Kharkiv
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Kharkiv Living Index

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Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Kharkiv

🇺🇦 Ukraine

$689

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $771 in Cagayan de Oro City versus $689 in Kharkiv.

Cagayan de Oro City $771
Kharkiv $689

Estimated couple costs with rent: $1,141 in Cagayan de Oro City versus $1,063 in Kharkiv.

Cagayan de Oro City $1,141
Kharkiv $1,063

Monthly costs for a family of three with rent: $1,511 in Cagayan de Oro City versus $1,437 in Kharkiv.

Cagayan de Oro City $1,511
Kharkiv $1,437

Living in Cagayan de Oro City is roughly 12% more expensive than in Kharkiv, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cagayan de Oro City 43% lower, Kharkiv 49% lower.

Meal at Budget Restaurant

$3.68 ₱231

$6.79 ₴305

-45.80%

Three-Course Dinner for Two, Mid-Range

$12.80 ₱806

$30.48 ₴1,368

-58.01%

Fast Food Meal (McDonalds, etc)

$3.05 ₱192

$4.97 ₴223

-38.63%

Cappuccino

$2.33 ₱147

$1.66 ₴74.7

40.36%

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

$0.76 ₱47.91

$1.06 ₴47.37

-28.30%

Water (0.33 liter bottle)

$0.64 ₱39.98

$0.51 ₴22.77

25.49%

Local Beer (0.5 liter draught)

$1.38 ₱86.9

$1.01 ₴45.48

36.63%

Imported Beer (0.33 liter bottle)

$1.98 ₱124

$1.63 ₴73.0

21.47%

Milk (1 liter)

$1.48 ₱93.4

$1.14 ₴51.2

29.82%

White Bread (500g)

$0.89 ₱56.2

$0.70 ₴31.33

27.14%

Rice (white) (1kg)

$0.92 ₱58.0

$1.24 ₴55.6

-25.81%

Eggs

$2.17 ₱137

$1.73 ₴77.9

25.43%

Local Cheese (1kg)

$8.67 ₱546

$8.45 ₴379

2.60%

Chicken Fillets (1kg)

$3.29 ₱207

$4.10 ₴184

-19.76%

Beef Round Steak (1kg)

$5.76 ₱363

$7.11 ₴319

-18.99%

Apples (1kg)

$2.05 ₱129

$1.41 ₴63.4

45.39%

Banana (1kg)

$1.08 ₱68.3

$1.59 ₴71.2

-32.08%

Oranges (1kg)

$2.38 ₱150

$1.68 ₴75.2

41.67%

Tomato (1kg)

$1.14 ₱71.9

$2.13 ₴95.8

-46.48%

Potato (1kg)

$1.92 ₱121

$0.71 ₴31.74

170.42%

Onion (1kg)

$2.53 ₱159

$0.52 ₴23.55

386.54%

Lettuce (1 head)

$0.76 ₱47.87

$1.21 ₴54.2

-37.19%

Water (1.5 liter bottle)

$0.48 ₱30.30

$0.65 ₴29.10

-26.15%

Cigarettes 20 Pack (Marlboro, Camel)

$3.02 ₱190

$2.73 ₴122

10.62%

Wine (Bottle)

$3.97 ₱250

$4.56 ₴205

-12.94%

Local Beer (0.5 liter bottle)

$1.22 ₱77.0

$0.85 ₴38.07

43.53%

Imported Beer (0.33 liter bottle)

$1.93 ₱122

$1.18 ₴52.8

63.56%

One-way Ticket (Public Transport)

$0.41 ₱25.99

Public Transport Monthly Pass (Regular Price)

$9.84 ₱620

Taxi Start (Normal Tariff)

$0.63 ₱39.57

$1.41 ₴63.4

-55.32%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.18

$0.34 ₴15.28

-38.24%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱122

$2.19 ₴98.5

-11.42%

Gasoline (1 liter)

$1.08 ₱67.8

$1.76 ₴78.9

-38.64%

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

$21.1K ₱1.3M

$29.7K ₴1.3M

-28.74%

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

$18.9K ₱1.2M

$22.0K ₴986.7K

-14.05%

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

$137 ₱8,600

$95.2 ₴4,273

43.50%

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

$22.77 ₱1,433

$6.22 ₴279

266.08%

Internet (50+ Mbps, Unlimited Data)

$30.51 ₱1,921

$7.22 ₴324

322.58%

Gym Membership (Monthly)

$20.70 ₱1,303

$22.30 ₴1,001

-7.17%

Tennis Court (1 Hour on Weekend)

$2.87 ₱181

$13.81 ₴620

-79.22%

Cinema Ticket

$4.55 ₱286

$4.67 ₴210

-2.57%

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

$66.4 ₱4,181

$281 ₴12.6K

-76.34%

International Primary School, 1 Child (Yearly)

$2,257 ₱142.1K

$2,685 ₴120.5K

-15.94%

Jeans (Levis 501 Or Similar)

$31.71 ₱1,997

$55.6 ₴2,496

-42.99%

Summer Dress (H&M, Zara, etc)

$13.08 ₱824

$42.27 ₴1,897

-69.06%

Sport Shoes (Adidas, Nike)

$52.4 ₱3,300

$92.0 ₴4,129

-43.01%

Men's Leather Business Shoes

$39.65 ₱2,496

$103 ₴4,618

-61.46%

1-bedroom Apartment, City Center (Monthly)

$377 ₱23.8K

$239 ₴10.7K

58.11%

1-bedroom Apartment, Outside City Center (Monthly)

$229 ₱14.4K

$147 ₴6,589

55.68%

3-bedroom Apartment, City Center (Monthly)

$693 ₱43.7K

$521 ₴23.4K

33.17%

3-bedroom Apartment, Outside City Center (Monthly)

$452 ₱28.5K

$204 ₴9,136

122.09%

Buy Apartment in City Center (m2)

$1,604 ₱101.0K

$1,057 ₴47.4K

51.71%

Buy Apartment Outside City Center (m2)

$951 ₱59.9K

$583 ₴26.2K

63.03%

Average Monthly Net Salary (After Tax)

$302 ₱19.0K

$525 ₴23.6K

-42.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

17.89

-62.27%

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 Kharkiv: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cagayan de Oro City

$229 29.6%

Kharkiv

$147 21.3% 35.8% $82

Monthly Utilities & Internet

Cagayan de Oro City

$190 24.6%

Kharkiv

$109 15.8% 42.8% $81

Groceries & Markets

Cagayan de Oro City

$165 21.4%

Kharkiv

$163 23.7% 1.5% $2.5

Eating Out

Cagayan de Oro City

$83 10.8%

Kharkiv

$104 15.1% 25.1% $21

Clothing & Footwear

Cagayan de Oro City

$62 8%

Kharkiv

$132 19.1% 114% $70

Sport & Entertainment

Cagayan de Oro City

$30 3.9%

Kharkiv

$32 4.6% 6.2% $1.9

Getting Around

Cagayan de Oro City

$13 1.7%

Kharkiv

$3.1 * 0.5% 76.3% $10

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $377 in Cagayan de Oro City and $239 in Kharkiv. Housing cost is often the main lever when comparing two cities.

Kharkiv 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 Cagayan de Oro City vs $30.00 in Kharkiv. Groceries flip the comparison at $165 vs $163, with Kharkiv cheaper for home cooking.

Good to know

🇵🇭 Cagayan de Oro City

🇺🇦 Kharkiv

🕒 Local time

20:45 8:45 PM

15:45 3:45 PM

5 h behind Cagayan de Oro City

🌤 Weather

👥 Population

728,402

1,447,652

💱 Currency

Philippine Peso PHP ₱

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

UAH, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Ukrainian Hryvnia exchange rates as of October 17, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.47 UAH (100 UAH = 1.98 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cagayan de Oro City Kharkiv 9,170 km ≈ 12 h nonstop flight

From you

Cagayan de Oro City
Kharkiv

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 Kharkiv: Cost of Living - Frequently Asked Questions

Cagayan de Oro City and Kharkiv differ by about 12% in total monthly costs ($771 vs $689 including rent). Kharkiv is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 74% lower in Kharkiv. 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: $377 in Cagayan de Oro City versus $239 in Kharkiv. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $66.4 in Cagayan de Oro City versus $281 in Kharkiv. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Kharkiv – a meal for two runs $30.00 versus $13.00 in Cagayan de Oro City. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $800 a month, though Kharkiv 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, Cagayan de Oro City and Kharkiv 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 Kharkiv gentler on the wallet – expenses run 12% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.