Last update: Oct 2026

Cost of Living Comparison Between Guayaquil and Loja

For one person, living is cheaper in Loja: $676 a month against $1,136 in Guayaquil, rent and utilities included – about $5,500 less a year. Rent and utilities account for most of the difference.

55

Cost of Living Index in Guayaquil
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Guayaquil Living Index
33

Cost of Living Index in Loja
Learn more

Loja Living Index

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Guayaquil

🇪🇨 Ecuador

$1,136

/mo nomad

Loja

🇪🇨 Ecuador

$676

/mo nomad

Monthly Cost of Living

How much you'll spend in Guayaquil and in Loja

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

A single person spends $1,136 per month in Guayaquil vs $676 in Loja, rent included.

Guayaquil $1,136
Loja $676

A couple spends around $1,775 per month in Guayaquil vs $1,067 in Loja, rent included.

Guayaquil $1,775
Loja $1,067

A family of three spends $2,413 per month in Guayaquil vs $1,459 in Loja, rent included.

Guayaquil $2,413
Loja $1,459

Guayaquil costs about 68% more than Loja, and outside of rent the biggest gap is in eating out.

Both Guayaquil and Loja are more affordable than the global median – Guayaquil 16% lower, Loja 50% lower.

Meal at Budget Restaurant

$3.94 $3.94

$3.08 $3.08

27.92%

Three-Course Dinner for Two, Mid-Range

$52.6 $52.6

$20.71 $20.71

154.08%

Fast Food Meal (McDonalds, etc)

$9.15 $9.15

$5.44 $5.44

68.20%

Cappuccino

$2.82 $2.82

$2.22 $2.22

27.03%

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

$0.91 $0.91

$0.77 $0.77

18.18%

Water (0.33 liter bottle)

$0.74 $0.74

$0.45 $0.45

64.44%

Local Beer (0.5 liter draught)

$3.05 $3.05

$1.22 $1.22

150.00%

Imported Beer (0.33 liter bottle)

$4.15 $4.15

$3.17 $3.17

30.91%

Milk (1 liter)

$1.16 $1.16

$0.99 $0.99

17.17%

White Bread (500g)

$1.98 $1.98

$1.51 $1.51

31.13%

Rice (white) (1kg)

$1.47 $1.47

$1.32 $1.32

11.36%

Eggs

$2.07 $2.07

$1.92 $1.92

7.81%

Local Cheese (1kg)

$7.02 $7.02

$5.79 $5.79

21.24%

Chicken Fillets (1kg)

$5.18 $5.18

$4.15 $4.15

24.82%

Beef Round Steak (1kg)

$9.26 $9.26

$5.96 $5.96

55.37%

Apples (1kg)

$1.48 $1.48

$1.69 $1.69

-12.43%

Banana (1kg)

$1.14 $1.14

$1.05 $1.05

8.57%

Oranges (1kg)

$0.98 $0.98

$1.18 $1.18

-16.95%

Tomato (1kg)

$0.94 $0.94

$1.07 $1.07

-12.15%

Potato (1kg)

$1.22 $1.22

$1.06 $1.06

15.09%

Onion (1kg)

$0.98 $0.98

$1.07 $1.07

-8.41%

Lettuce (1 head)

$0.88 $0.88

$0.51 $0.51

72.55%

Water (1.5 liter bottle)

$0.94 $0.94

$1.13 $1.13

-16.81%

Cigarettes 20 Pack (Marlboro, Camel)

$5.91 $5.91

$5.23 $5.23

13.00%

Wine (Bottle)

$12.19 $12.19

$6.86 $6.86

77.70%

Local Beer (0.5 liter bottle)

$1.55 $1.55

$1.52 $1.52

1.97%

Imported Beer (0.33 liter bottle)

$2.19 $2.19

$3.05 $3.05

-28.20%

One-way Ticket (Public Transport)

$0.36 $0.36

$0.31 $0.31

16.13%

Public Transport Monthly Pass (Regular Price)

$19.61 $19.61

$30.33 $30.33

-35.34%

Taxi Start (Normal Tariff)

$2.77 $2.77

$1.27 $1.27

118.11%

Taxi (Normal Tariff) (1km)

$1.80 $1.80

$1.09 $1.09

65.14%

Taxi 1hour Waiting (Normal Tariff)

$12.16 $12.16

$9.88 $9.88

23.08%

Gasoline (1 liter)

$0.88 $0.88

$0.78 $0.78

12.82%

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

$21.1K $21.1K

$14.8K $14.8K

42.54%

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

$31.3K $31.3K

$28.7K $28.7K

9.03%

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

$131 $131

$19.65 $19.65

565.65%

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

$14.76 $14.76

$11.63 $11.63

26.91%

Internet (50+ Mbps, Unlimited Data)

$26.25 $26.25

$26.57 $26.57

-1.20%

Gym Membership (Monthly)

$46.30 $46.30

$30.27 $30.27

52.96%

Tennis Court (1 Hour on Weekend)

$26.54 $26.54

$14.88 $14.88

78.36%

Cinema Ticket

$7.29 $7.29

$7.46 $7.46

-2.28%

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

$378 $378

$183 $183

106.55%

International Primary School, 1 Child (Yearly)

$5,590 $5,590

$2,017 $2,017

177.15%

Jeans (Levis 501 Or Similar)

$66.2 $66.2

$52.8 $52.8

25.31%

Summer Dress (H&M, Zara, etc)

$41.10 $41.10

$47.03 $47.03

-12.61%

Sport Shoes (Adidas, Nike)

$124 $124

$79.1 $79.1

56.37%

Men's Leather Business Shoes

$93.8 $93.8

$71.2 $71.2

31.83%

1-bedroom Apartment, City Center (Monthly)

$476 $476

$237 $237

100.97%

1-bedroom Apartment, Outside City Center (Monthly)

$401 $401

$170 $170

135.78%

3-bedroom Apartment, City Center (Monthly)

$800 $800

$389 $389

105.43%

3-bedroom Apartment, Outside City Center (Monthly)

$740 $740

$310 $310

138.66%

Buy Apartment in City Center (m2)

$2,275 $2,275

$554 $554

311.04%

Buy Apartment Outside City Center (m2)

$1,451 $1,451

$323 $323

348.93%

Average Monthly Net Salary (After Tax)

$612 $612

$496 $496

23.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

10.05

8.5

18.24%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Guayaquil: October 12, 2026

Last update for Loja: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Guayaquil

$401 35.3%

Loja

$170 25.2% 57.6% $231

Groceries & Markets

Guayaquil

$200 17.6%

Loja

$167 24.7% 16.4% $33

Monthly Utilities & Internet

Guayaquil

$172 15.1%

Loja

$58 8.6% 66.3% $114

Clothing & Footwear

Guayaquil

$146 12.9%

Loja

$113 16.7% 23% $34

Eating Out

Guayaquil

$123 10.8%

Loja

$85 12.6% 30.9% $38

Sport & Entertainment

Guayaquil

$61 5.4%

Loja

$45 6.7% 25.8% $16

Getting Around

Guayaquil

$33 2.9%

Loja

$38 5.7% 16.5% $5.4

Cost Breakdown

A central one-bedroom costs $476 in Guayaquil versus $237 in Loja. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 23% higher in Guayaquil, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $53.0 in Guayaquil versus $21.00 in Loja. Monthly groceries follow the same trend: $200 vs $167 – making Loja the more affordable choice for daily food spending.

Good to know

🇪🇨 Guayaquil

🇪🇨 Loja

🕒 Local time

00:01 12:01 AM

Same time as Guayaquil

🌤 Weather

👥 Population

3,500,000

180,617

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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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

Guayaquil vs Loja: Cost of Living - Frequently Asked Questions

Yes – Guayaquil is pricier by about 68%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,704 per month in Guayaquil and $1,014 in Loja. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Loja, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $378 per month in Guayaquil and $183 in Loja. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 20% more in Guayaquil, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Loja, where all-in costs run around $676, than in Guayaquil at $1,136. In Loja it covers expenses comfortably, while in Guayaquil it requires careful planning or may not stretch far enough.

Families tend to lean toward Loja – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Loja. If higher salaries, better infrastructure, or specific career opportunities are the priority, Guayaquil makes more sense. Both are solid long-term options with distinct trade-offs.