Last update: Oct 2026

Cost of Living Comparison Between Kharkiv and Cagayan de Oro City

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.

33

Cost of Living Index in Kharkiv
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Kharkiv Living Index
37

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

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Kharkiv

🇺🇦 Ukraine

$689

/mo nomad

Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Monthly Cost of Living

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

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

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

Kharkiv $689
Cagayan de Oro City $771

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

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

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

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

Living in Kharkiv costs roughly 11% less than in Cagayan de Oro City, and outside of rent the biggest gap is in clothing.

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

Meal at Budget Restaurant

$6.79 ₴305

$3.68 ₱231

84.51%

Three-Course Dinner for Two, Mid-Range

$30.48 ₴1,368

$12.80 ₱806

138.13%

Fast Food Meal (McDonalds, etc)

$4.97 ₴223

$3.05 ₱192

62.95%

Cappuccino

$1.66 ₴74.7

$2.33 ₱147

-28.76%

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

$1.06 ₴47.37

$0.76 ₱47.91

39.47%

Water (0.33 liter bottle)

$0.51 ₴22.77

$0.64 ₱39.98

-20.31%

Local Beer (0.5 liter draught)

$1.01 ₴45.48

$1.38 ₱86.9

-26.81%

Imported Beer (0.33 liter bottle)

$1.63 ₴73.0

$1.98 ₱124

-17.68%

Milk (1 liter)

$1.14 ₴51.2

$1.48 ₱93.4

-22.97%

White Bread (500g)

$0.70 ₴31.33

$0.89 ₱56.2

-21.35%

Rice (white) (1kg)

$1.24 ₴55.6

$0.92 ₱58.0

34.78%

Eggs

$1.73 ₴77.9

$2.17 ₱137

-20.28%

Local Cheese (1kg)

$8.45 ₴379

$8.67 ₱546

-2.54%

Chicken Fillets (1kg)

$4.10 ₴184

$3.29 ₱207

24.62%

Beef Round Steak (1kg)

$7.11 ₴319

$5.76 ₱363

23.44%

Apples (1kg)

$1.41 ₴63.4

$2.05 ₱129

-31.22%

Banana (1kg)

$1.59 ₴71.2

$1.08 ₱68.3

47.22%

Oranges (1kg)

$1.68 ₴75.2

$2.38 ₱150

-29.41%

Tomato (1kg)

$2.13 ₴95.8

$1.14 ₱71.9

86.84%

Potato (1kg)

$0.71 ₴31.74

$1.92 ₱121

-63.02%

Onion (1kg)

$0.52 ₴23.55

$2.53 ₱159

-79.45%

Lettuce (1 head)

$1.21 ₴54.2

$0.76 ₱47.87

59.21%

Water (1.5 liter bottle)

$0.65 ₴29.10

$0.48 ₱30.30

35.42%

Cigarettes 20 Pack (Marlboro, Camel)

$2.73 ₴122

$3.02 ₱190

-9.60%

Wine (Bottle)

$4.56 ₴205

$3.97 ₱250

14.86%

Local Beer (0.5 liter bottle)

$0.85 ₴38.07

$1.22 ₱77.0

-30.33%

Imported Beer (0.33 liter bottle)

$1.18 ₴52.8

$1.93 ₱122

-38.86%

One-way Ticket (Public Transport)

$0.41 ₱25.99

Public Transport Monthly Pass (Regular Price)

$9.84 ₱620

Taxi Start (Normal Tariff)

$1.41 ₴63.4

$0.63 ₱39.57

123.81%

Taxi (Normal Tariff) (1km)

$0.34 ₴15.28

$0.21 ₱13.18

61.90%

Taxi 1hour Waiting (Normal Tariff)

$2.19 ₴98.5

$1.94 ₱122

12.89%

Gasoline (1 liter)

$1.76 ₴78.9

$1.08 ₱67.8

62.96%

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

$29.7K ₴1.3M

$21.1K ₱1.3M

40.34%

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

$22.0K ₴986.7K

$18.9K ₱1.2M

16.35%

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

$95.2 ₴4,273

$137 ₱8,600

-30.31%

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

$6.22 ₴279

$22.77 ₱1,433

-72.68%

Internet (50+ Mbps, Unlimited Data)

$7.22 ₴324

$30.51 ₱1,921

-76.34%

Gym Membership (Monthly)

$22.30 ₴1,001

$20.70 ₱1,303

7.73%

Tennis Court (1 Hour on Weekend)

$13.81 ₴620

$2.87 ₱181

381.18%

Cinema Ticket

$4.67 ₴210

$4.55 ₱286

2.64%

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

$281 ₴12.6K

$66.4 ₱4,181

322.62%

International Primary School, 1 Child (Yearly)

$2,685 ₴120.5K

$2,257 ₱142.1K

18.96%

Jeans (Levis 501 Or Similar)

$55.6 ₴2,496

$31.71 ₱1,997

75.40%

Summer Dress (H&M, Zara, etc)

$42.27 ₴1,897

$13.08 ₱824

223.17%

Sport Shoes (Adidas, Nike)

$92.0 ₴4,129

$52.4 ₱3,300

75.47%

Men's Leather Business Shoes

$103 ₴4,618

$39.65 ₱2,496

159.45%

1-bedroom Apartment, City Center (Monthly)

$239 ₴10.7K

$377 ₱23.8K

-36.75%

1-bedroom Apartment, Outside City Center (Monthly)

$147 ₴6,589

$229 ₱14.4K

-35.77%

3-bedroom Apartment, City Center (Monthly)

$521 ₴23.4K

$693 ₱43.7K

-24.91%

3-bedroom Apartment, Outside City Center (Monthly)

$204 ₴9,136

$452 ₱28.5K

-54.97%

Buy Apartment in City Center (m2)

$1,057 ₴47.4K

$1,604 ₱101.0K

-34.08%

Buy Apartment Outside City Center (m2)

$583 ₴26.2K

$951 ₱59.9K

-38.66%

Average Monthly Net Salary (After Tax)

$525 ₴23.6K

$302 ₱19.0K

73.66%

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: October 11, 2026

Last update for Cagayan de Oro City: October 13, 2026

Monthly budget structure

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

Groceries & Markets

Kharkiv

$163 23.7%

Cagayan de Oro City

$165 21.4% 1.5% $2.5

Accommodation & Living

Kharkiv

$147 21.3%

Cagayan de Oro City

$229 29.6% 55.7% $82

Clothing & Footwear

Kharkiv

$132 19.1%

Cagayan de Oro City

$62 8% 53.2% $70

Monthly Utilities & Internet

Kharkiv

$109 15.8%

Cagayan de Oro City

$190 24.6% 74.8% $81

Eating Out

Kharkiv

$104 15.1%

Cagayan de Oro City

$83 10.8% 20.1% $21

Sport & Entertainment

Kharkiv

$32 4.6%

Cagayan de Oro City

$30 3.9% 5.9% $1.9

Getting Around

Kharkiv

$3.1 * 0.5%

Cagayan de Oro City

$13 1.7% 322% $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 $239 in Kharkiv and $377 in Cagayan de Oro City. 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: $30.00 in Kharkiv vs $13.00 in Cagayan de Oro City. Groceries flip the comparison at $163 vs $165, with Kharkiv cheaper for home cooking.

Good to know

🇺🇦 Kharkiv

🇵🇭 Cagayan de Oro City

🕒 Local time

23:05 11:05 PM

04:05 4:05 AM

5 h ahead of Kharkiv

🌤 Weather

👥 Population

1,447,652

728,402

💱 Currency

Ukrainian Hryvnia UAH ₴

Philippine Peso PHP ₱

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to UAH – Ukrainian Hryvnia Converter

🇺🇸 United States Dollar ($)

🇺🇦 Ukrainian Hryvnia (₴)

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).

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).

USD to UAH in detail →

On the map

Lowest

Highest

Between locations

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

From you

Kharkiv
Cagayan de Oro City

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

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

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

Average pay runs 74% 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: $239 in Kharkiv versus $377 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $281 in Kharkiv versus $66.4 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 $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, 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 12% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.