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

Monthly Cost of Living

Monthly costs for one person with rent: $695 in Kharkiv versus $758 in Cagayan de Oro City.

Estimated couple costs with rent: $1,056 in Kharkiv versus $1,126 in Cagayan de Oro City.

Monthly costs for a family of three with rent: $1,418 in Kharkiv versus $1,494 in Cagayan de Oro City.

Living in Kharkiv costs roughly 8% less than in Cagayan de Oro City, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Kharkiv 49% lower, Cagayan de Oro City 45% lower.

Meal at Budget Restaurant

$6.72 ₴299

$3.54 ₱221

89.83%

Three-Course Dinner for Two, Mid-Range

$30.80 ₴1,371

$12.65 ₱789

143.48%

Fast Food Meal (McDonalds, etc)

$5.04 ₴224

$3.05 ₱190

65.25%

Cappuccino

$1.55 ₴69.1

$2.31 ₱144

-32.90%

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

$1.07 ₴47.54

$0.71 ₱44.38

50.70%

Water (0.33 liter bottle)

$0.52 ₴22.95

$0.86 ₱53.7

-39.53%

Local Beer (0.5 liter draught)

$1.04 ₴46.20

$1.43 ₱89.5

-27.27%

Imported Beer (0.33 liter bottle)

$1.66 ₴73.9

$1.95 ₱122

-14.87%

Milk (1 liter)

$1.12 ₴50.1

$1.54 ₱96.3

-27.27%

White Bread (500g)

$0.66 ₴29.46

$0.83 ₱52.1

-20.48%

Rice (white) (1kg)

$1.24 ₴55.4

$0.97 ₱60.7

27.84%

Eggs

$1.68 ₴75.0

$2.13 ₱133

-21.13%

Local Cheese (1kg)

$8.19 ₴365

$8.69 ₱542

-5.75%

Chicken Fillets (1kg)

$4.30 ₴191

$3.33 ₱208

29.13%

Beef Round Steak (1kg)

$7.22 ₴321

$6.05 ₱377

19.34%

Apples (1kg)

$1.38 ₴61.4

$2.07 ₱129

-33.33%

Banana (1kg)

$1.53 ₴68.2

$1.08 ₱67.4

41.67%

Oranges (1kg)

$1.70 ₴75.9

$2.94 ₱184

-42.18%

Tomato (1kg)

$2.01 ₴89.5

$1.18 ₱73.8

70.34%

Potato (1kg)

$0.73 ₴32.68

$2.23 ₱139

-67.26%

Onion (1kg)

$0.51 ₴22.90

$2.65 ₱165

-80.75%

Lettuce (1 head)

$1.22 ₴54.3

$0.78 ₱48.77

56.41%

Water (1.5 liter bottle)

$0.57 ₴25.57

$0.49 ₱30.59

16.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.83 ₴126

$2.72 ₱170

4.04%

Wine (Bottle)

$4.60 ₴205

$3.99 ₱249

15.29%

Local Beer (0.5 liter bottle)

$0.86 ₴38.09

$1.65 ₱103

-47.88%

Imported Beer (0.33 liter bottle)

$1.24 ₴55.4

$1.93 ₱120

-35.75%

One-way Ticket (Public Transport)

$0.42 ₱25.97

Public Transport Monthly Pass (Regular Price)

$9.71 ₱606

Taxi Start (Normal Tariff)

$1.33 ₴59.3

$0.67 ₱41.59

98.51%

Taxi (Normal Tariff) (1km)

$0.35 ₴15.69

$0.23 ₱14.40

52.17%

Taxi 1hour Waiting (Normal Tariff)

$2.30 ₴103

$2.44 ₱152

-5.74%

Gasoline (1 liter)

$1.67 ₴74.5

$1.05 ₱65.3

59.05%

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

$29.5K ₴1.3M

$21.1K ₱1.3M

39.62%

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

$22.0K ₴979.5K

$19.9K ₱1.2M

10.38%

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

$98.6 ₴4,390

$135 ₱8,431

-27.02%

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

$5.96 ₴266

$22.36 ₱1,395

-73.35%

Internet (50+ Mbps, Unlimited Data)

$7.28 ₴324

$30.65 ₱1,913

-76.25%

Gym Membership (Monthly)

$21.68 ₴965

$20.16 ₱1,258

7.54%

Tennis Court (1 Hour on Weekend)

$15.39 ₴685

$2.75 ₱171

459.64%

Cinema Ticket

$4.77 ₴213

$4.41 ₱275

8.16%

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

$287 ₴12.8K

$67.0 ₱4,179

328.62%

International Primary School, 1 Child (Yearly)

$2,842 ₴126.5K

$2,215 ₱138.2K

28.28%

Jeans (Levis 501 Or Similar)

$56.4 ₴2,511

$32.42 ₱2,023

73.97%

Summer Dress (H&M, Zara, etc)

$41.61 ₴1,853

$13.40 ₱836

210.52%

Sport Shoes (Adidas, Nike)

$92.9 ₴4,135

$52.0 ₱3,242

78.77%

Men's Leather Business Shoes

$98.2 ₴4,370

$39.35 ₱2,455

149.43%

1-bedroom Apartment, City Center (Monthly)

$247 ₴11.0K

$380 ₱23.7K

-35.05%

1-bedroom Apartment, Outside City Center (Monthly)

$144 ₴6,429

$226 ₱14.1K

-35.99%

3-bedroom Apartment, City Center (Monthly)

$525 ₴23.4K

$707 ₱44.1K

-25.65%

3-bedroom Apartment, Outside City Center (Monthly)

$213 ₴9,482

$452 ₱28.2K

-52.85%

Buy Apartment in City Center (m2)

$1,056 ₴47.0K

$1,590 ₱99.2K

-33.59%

Buy Apartment Outside City Center (m2)

$584 ₴26.0K

$950 ₱59.3K

-38.55%

Average Monthly Net Salary (After Tax)

$547 ₴24.4K

$309 ₱19.3K

77.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.89

6.75

165.04%

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

Last update for Kharkiv: August 31, 2026

Last update for Cagayan de Oro City: August 29, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $247 in Kharkiv and $380 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Kharkiv pays 77% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $31.00 in Kharkiv vs $13.00 in Cagayan de Oro City. Groceries flip the comparison at $161 vs $173, with Kharkiv cheaper for home cooking.

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

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

Kharkiv and Cagayan de Oro City differ by about 9% in total monthly costs ($695 vs $758 including rent). Kharkiv is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 77% higher in Kharkiv, 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: $247 in Kharkiv versus $380 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $287 in Kharkiv versus $67.0 in Cagayan de Oro City. 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 $31.00 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, Kharkiv and Cagayan de Oro City 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 9% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.