Last update: Oct 2026

Cost of Living Comparison Between Cagayan de Oro City and Makati

For one person, living is cheaper in Cagayan de Oro City: $771 a month against $1,228 in Makati, rent and utilities included – about $5,500 less a year. Other living expenses account for most of the difference.

37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index
60

Cost of Living Index in Makati
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Makati Living Index

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Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Makati

🇵🇭 Philippines

$1,228

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $771 in Cagayan de Oro City versus $1,228 in Makati.

Cagayan de Oro City $771
Makati $1,228

Estimated couple costs with rent: $1,141 in Cagayan de Oro City versus $2,028 in Makati.

Cagayan de Oro City $1,141
Makati $2,028

Monthly costs for a family of three with rent: $1,511 in Cagayan de Oro City versus $2,828 in Makati.

Cagayan de Oro City $1,511
Makati $2,828

Living in Cagayan de Oro City costs roughly 37% less than in Makati, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cagayan de Oro City 43% lower, Makati 9% lower.

Meal at Budget Restaurant

$3.68 ₱231

$6.22 ₱392

-40.84%

Three-Course Dinner for Two, Mid-Range

$12.80 ₱806

$39.57 ₱2,491

-67.65%

Fast Food Meal (McDonalds, etc)

$3.05 ₱192

$4.88 ₱307

-37.50%

Cappuccino

$2.33 ₱147

$2.55 ₱161

-8.63%

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

$0.76 ₱47.91

$1.06 ₱67.0

-28.30%

Water (0.33 liter bottle)

$0.64 ₱39.98

$0.50 ₱31.54

28.00%

Local Beer (0.5 liter draught)

$1.38 ₱86.9

$2.38 ₱150

-42.02%

Imported Beer (0.33 liter bottle)

$1.98 ₱124

$3.21 ₱202

-38.32%

Milk (1 liter)

$1.48 ₱93.4

$1.90 ₱120

-22.11%

White Bread (500g)

$0.89 ₱56.2

$1.29 ₱81.5

-31.01%

Rice (white) (1kg)

$0.92 ₱58.0

$1.06 ₱67.0

-13.21%

Eggs

$2.17 ₱137

$2.47 ₱155

-12.15%

Local Cheese (1kg)

$8.67 ₱546

$7.29 ₱459

18.93%

Chicken Fillets (1kg)

$3.29 ₱207

$4.86 ₱306

-32.30%

Beef Round Steak (1kg)

$5.76 ₱363

$7.03 ₱442

-18.07%

Apples (1kg)

$2.05 ₱129

$4.04 ₱254

-49.26%

Banana (1kg)

$1.08 ₱68.3

$1.94 ₱122

-44.33%

Oranges (1kg)

$2.38 ₱150

$3.22 ₱203

-26.09%

Tomato (1kg)

$1.14 ₱71.9

$2.29 ₱144

-50.22%

Potato (1kg)

$1.92 ₱121

$3.48 ₱219

-44.83%

Onion (1kg)

$2.53 ₱159

$3.59 ₱226

-29.53%

Lettuce (1 head)

$0.76 ₱47.87

$1.06 ₱66.8

-28.30%

Water (1.5 liter bottle)

$0.48 ₱30.30

$1.11 ₱69.7

-56.76%

Cigarettes 20 Pack (Marlboro, Camel)

$3.02 ₱190

$2.69 ₱169

12.27%

Wine (Bottle)

$3.97 ₱250

$8.11 ₱511

-51.05%

Local Beer (0.5 liter bottle)

$1.22 ₱77.0

$1.32 ₱82.9

-7.58%

Imported Beer (0.33 liter bottle)

$1.93 ₱122

$1.98 ₱124

-2.53%

One-way Ticket (Public Transport)

$0.41 ₱25.99

$0.90 ₱56.4

-54.44%

Public Transport Monthly Pass (Regular Price)

$9.84 ₱620

$56.8 ₱3,575

-82.67%

Taxi Start (Normal Tariff)

$0.63 ₱39.57

$0.67 ₱41.91

-5.97%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.18

$0.21 ₱13.16

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱122

$1.93 ₱121

0.52%

Gasoline (1 liter)

$1.08 ₱67.8

$1.25 ₱78.8

-13.60%

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

$21.1K ₱1.3M

$21.3K ₱1.3M

-0.53%

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

$18.9K ₱1.2M

$19.6K ₱1.2M

-3.42%

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

$137 ₱8,600

$153 ₱9,620

-10.60%

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

$22.77 ₱1,433

$16.06 ₱1,011

41.78%

Internet (50+ Mbps, Unlimited Data)

$30.51 ₱1,921

$32.37 ₱2,038

-5.75%

Gym Membership (Monthly)

$20.70 ₱1,303

$54.9 ₱3,456

-62.28%

Tennis Court (1 Hour on Weekend)

$2.87 ₱181

$14.14 ₱890

-79.70%

Cinema Ticket

$4.55 ₱286

$7.22 ₱454

-36.98%

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

$66.4 ₱4,181

$794 ₱50.0K

-91.64%

International Primary School, 1 Child (Yearly)

$2,257 ₱142.1K

$7,321 ₱460.9K

-69.17%

Jeans (Levis 501 Or Similar)

$31.71 ₱1,997

$61.2 ₱3,850

-48.14%

Summer Dress (H&M, Zara, etc)

$13.08 ₱824

$36.86 ₱2,321

-64.51%

Sport Shoes (Adidas, Nike)

$52.4 ₱3,300

$81.5 ₱5,129

-35.65%

Men's Leather Business Shoes

$39.65 ₱2,496

$103 ₱6,510

-61.65%

1-bedroom Apartment, City Center (Monthly)

$377 ₱23.8K

$815 ₱51.3K

-53.67%

1-bedroom Apartment, Outside City Center (Monthly)

$229 ₱14.4K

$417 ₱26.3K

-45.24%

3-bedroom Apartment, City Center (Monthly)

$693 ₱43.7K

$2,274 ₱143.2K

-69.50%

3-bedroom Apartment, Outside City Center (Monthly)

$452 ₱28.5K

$1,069 ₱67.3K

-57.71%

Buy Apartment in City Center (m2)

$1,604 ₱101.0K

$5,869 ₱369.5K

-72.68%

Buy Apartment Outside City Center (m2)

$951 ₱59.9K

$3,738 ₱235.4K

-74.56%

Average Monthly Net Salary (After Tax)

$302 ₱19.0K

$601 ₱37.9K

-49.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

7.5

-10.00%

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 Makati: 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%

Makati

$417 34% 82.6% $189

Monthly Utilities & Internet

Cagayan de Oro City

$190 24.6%

Makati

$201 16.4% 6% $11

Groceries & Markets

Cagayan de Oro City

$165 21.4%

Makati

$231 18.8% 39.9% $66

Eating Out

Cagayan de Oro City

$83 10.8%

Makati

$120 9.7% 44.1% $37

Clothing & Footwear

Cagayan de Oro City

$62 8%

Makati

$127 10.4% 107% $66

Sport & Entertainment

Cagayan de Oro City

$30 3.9%

Makati

$69 5.6% 133% $40

Getting Around

Cagayan de Oro City

$13 1.7%

Makati

$62 5.1% 371% $49

Cost Breakdown

A one-bedroom apartment in the center runs $377 in Cagayan de Oro City and $815 in Makati. Housing cost is often the main lever when comparing two cities.

Makati pays 99% 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 $40.00 in Makati for a mid-range dinner for two. Groceries echo the gap at $165 vs $231 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇵🇭 Cagayan de Oro City

🇵🇭 Makati

🕒 Local time

20:50 8:50 PM

Same time as Cagayan de Oro City

🌤 Weather

👥 Population

728,402

582,602

💱 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

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Between locations

Cagayan de Oro City Makati 780 km ≈ 1 h 30 min nonstop flight

From you

Cagayan de Oro City
Makati

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 Makati: Cost of Living - Frequently Asked Questions

Cagayan de Oro City and Makati differ by about 59% in total monthly costs ($771 vs $1,228 including rent). Cagayan de Oro City is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 99% lower in Makati. 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 $815 in Makati. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 40% higher in Makati. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cagayan de Oro City – a meal for two runs $13.00 versus $40.00 in Makati. If you eat out regularly, this makes a real dent in your monthly spending.

At $771 in Cagayan de Oro City versus $1,228 in Makati, a $2,000 budget is realistic in Cagayan de Oro City but tight or insufficient in Makati. The gap between the two cities makes Cagayan de Oro City the clear choice for anyone on this budget.

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 Makati 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 Cagayan de Oro City gentler on the wallet – expenses run 59% less than in Makati. Beyond cost, consider language, visa policies, and how big the international community is in each city.