Last update: Oct 2026

Cost of Living Comparison Between Hong Kong and Tumon

For one person, living is cheaper in Tumon: $429 a month against $3,005 in Hong Kong, rent and utilities included – about $30,900 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Hong Kong
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Hong Kong Living Index

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Hong Kong

🇭🇰 Hong Kong (China)

$3,005

/mo nomad

Tumon

🇬🇺 Guam

$429

/mo nomad

Monthly Cost of Living

How much you'll spend in Hong Kong and in Tumon

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

A single person spends $3,005 per month in Hong Kong vs $429 in Tumon, rent included.

Hong Kong $3,005
Tumon $429

A couple spends around $4,643 per month in Hong Kong vs $2,002 in Tumon, rent included.

Hong Kong $4,643
Tumon $2,002

A family of three spends $6,281 per month in Hong Kong vs $3,574 in Tumon, rent included.

Hong Kong $6,281
Tumon $3,574

Hong Kong costs about 601% more than Tumon, and outside of rent the biggest gap is in groceries.

Hong Kong sits 122% above the global median, while Tumon is 68% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.80 HK$61.2

$25.37 $25.37

-69.26%

Three-Course Dinner for Two, Mid-Range

$64.7 HK$508

$51.7 $51.7

25.21%

Fast Food Meal (McDonalds, etc)

$6.24 HK$48.97

$12.95 $12.95

-51.81%

Cappuccino

$5.01 HK$39.34

$6.01 $6.01

-16.64%

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

$1.29 HK$10.12

$3.05 $3.05

-57.70%

Water (0.33 liter bottle)

$1.11 HK$8.74

$3.03 $3.03

-63.37%

Local Beer (0.5 liter draught)

$7.77 HK$61.0

$7.12 $7.12

9.13%

Imported Beer (0.33 liter bottle)

$6.41 HK$50.3

$8.88 $8.88

-27.82%

Milk (1 liter)

$2.90 HK$22.79

White Bread (500g)

$2.33 HK$18.29

Rice (white) (1kg)

$2.23 HK$17.51

Eggs

$3.45 HK$27.04

Local Cheese (1kg)

$24.96 HK$196

Chicken Fillets (1kg)

$8.79 HK$69.0

Beef Round Steak (1kg)

$17.71 HK$139

Apples (1kg)

$4.15 HK$32.59

Banana (1kg)

$2.63 HK$20.62

Oranges (1kg)

$4.54 HK$35.65

Tomato (1kg)

$4.09 HK$32.08

Potato (1kg)

$3.22 HK$25.25

Onion (1kg)

$3.26 HK$25.56

Lettuce (1 head)

$1.65 HK$12.94

Water (1.5 liter bottle)

$1.74 HK$13.62

Cigarettes 20 Pack (Marlboro, Camel)

$13.45 HK$106

Wine (Bottle)

$15.16 HK$119

Local Beer (0.5 liter bottle)

$1.97 HK$15.44

Imported Beer (0.33 liter bottle)

$2.22 HK$17.42

One-way Ticket (Public Transport)

$1.28 HK$10.04

$6.87 $6.87

-81.37%

Public Transport Monthly Pass (Regular Price)

$90.1 HK$707

Taxi Start (Normal Tariff)

$3.67 HK$28.84

Taxi (Normal Tariff) (1km)

$1.35 HK$10.60

$1.94 $1.94

-30.41%

Taxi 1hour Waiting (Normal Tariff)

$16.21 HK$127

Gasoline (1 liter)

$4.20 HK$32.94

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

$44.9K HK$352.2K

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

$36.8K HK$288.9K

$29.1K $29.1K

26.41%

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

$238 HK$1,865

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

$15.70 HK$123

Internet (50+ Mbps, Unlimited Data)

$21.91 HK$172

Gym Membership (Monthly)

$91.1 HK$715

Tennis Court (1 Hour on Weekend)

$9.14 HK$71.8

Cinema Ticket

$12.96 HK$102

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

$1,172 HK$9,201

International Primary School, 1 Child (Yearly)

$22.2K HK$174.2K

Jeans (Levis 501 Or Similar)

$67.9 HK$533

Summer Dress (H&M, Zara, etc)

$43.57 HK$342

Sport Shoes (Adidas, Nike)

$83.1 HK$652

Men's Leather Business Shoes

$123 HK$963

1-bedroom Apartment, City Center (Monthly)

$2,255 HK$17.7K

1-bedroom Apartment, Outside City Center (Monthly)

$1,752 HK$13.7K

3-bedroom Apartment, City Center (Monthly)

$5,173 HK$40.6K

3-bedroom Apartment, Outside City Center (Monthly)

$3,543 HK$27.8K

$2,433 $2,433

45.62%

Buy Apartment in City Center (m2)

$29.3K HK$229.7K

Buy Apartment Outside City Center (m2)

$17.5K HK$137.1K

Average Monthly Net Salary (After Tax)

$3,285 HK$25.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.79

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

Last update for Hong Kong: October 17, 2026

Last update for Tumon: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Hong Kong

$1.8K 58.3%

Tumon

–

Groceries & Markets

Hong Kong

$410 13.7%

Tumon

–

Monthly Utilities & Internet

Hong Kong

$275 9.2%

Tumon

–

Eating Out

Hong Kong

$203 6.7%

Tumon

–

Clothing & Footwear

Hong Kong

$143 4.8%

Tumon

–

Sport & Entertainment

Hong Kong

$117 3.9%

Tumon

–

Getting Around

Hong Kong

$106 3.5%

Tumon

–

Cost Breakdown

A mid-range dinner for two costs $65.0 in Hong Kong versus $52.0 in Tumon. Use this as a proxy for overall food spending across the two cities.

Good to know

🇭🇰 Hong Kong

🇬🇺 Tumon

🕒 Local time

03:35 3:35 AM

05:35 5:35 AM

2 h ahead of Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

44,943

💱 Currency

Hong Kong Dollar HKD $

United States Dollar USD $

📈 Exchange rate

1 HKD = 0.127 USD

1 HKD = 0.113 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to HKD – Hong Kong Dollar Converter

🇺🇸 United States Dollar ($)

🇭🇰 Hong Kong Dollar ($)

Hong Kong Dollar exchange rates as of October 20, 2026: 1 USD = 7.85 HKD (1 HKD = 0.127 USD). 1 EUR = 8.82 HKD (1 HKD = 0.113 EUR).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to HKD in detail →

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Between locations

Hong Kong Tumon 3,380 km ≈ 4 h 45 min nonstop flight

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Hong Kong
Tumon

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

Hong Kong vs Tumon: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,005 in Hong Kong, $429 in Tumon – roughly 601% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,508 per month in Hong Kong and $643 in Tumon. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $3,005 in Hong Kong and $429 in Tumon. That's a gap of about 601%.

A mid-range dinner for two costs $65.0 in Hong Kong and $52.0 in Tumon. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Tumon, where all-in costs run around $429, than in Hong Kong at $3,005. In Tumon it covers expenses comfortably, while in Hong Kong it requires careful planning or may not stretch far enough.

It depends on your priorities. Hong Kong has an edge in some lifestyle areas, with costs from $429 in Tumon to $3,005 in Hong Kong. Climate, culture, job market, and personal taste all factor in.

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 Tumon. If higher salaries, better infrastructure, or specific career opportunities are the priority, Hong Kong makes more sense. Both are solid long-term options with distinct trade-offs.