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: $670 in Kharkiv versus $760 in Cagayan de Oro City.

Estimated couple costs with rent: $1,073 in Kharkiv versus $1,122 in Cagayan de Oro City.

Monthly costs for a family of three with rent: $1,476 in Kharkiv versus $1,484 in Cagayan de Oro City.

Living in Kharkiv costs roughly 12% less than in Cagayan de Oro City, driven mainly by Monthly Utilities & Internet.

Both cities sit below the global median: Kharkiv 50% lower, Cagayan de Oro City 43% lower.

Meal at Budget Restaurant

$7.08 ₴316

$3.88 ₱239

82.47%

Three-Course Dinner for Two, Mid-Range

$26.72 ₴1,192

$14.45 ₱890

84.91%

Fast Food Meal (McDonalds, etc)

$5.94 ₴265

$3.38 ₱208

75.74%

Cappuccino

$1.29 ₴57.5

$2.52 ₱155

-48.81%

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

$0.60 ₴26.92

$0.98 ₱60.1

-38.78%

Water (0.33 liter bottle)

$0.44 ₴19.67

$0.36 ₱21.87

22.22%

Local Beer (0.5 liter draught)

$0.98 ₴43.52

$1.46 ₱90.0

-32.88%

Imported Beer (0.33 liter bottle)

$1.53 ₴68.4

$2.39 ₱147

-35.98%

Milk (1 liter)

$1.06 ₴47.12

$1.65 ₱102

-35.76%

White Bread (500g)

$0.62 ₴27.56

$0.91 ₱55.8

-31.87%

Rice (white) (1kg)

$1.27 ₴56.6

$0.92 ₱56.6

38.04%

Eggs

$1.63 ₴72.5

$2.40 ₱147

-32.08%

Local Cheese (1kg)

$7.93 ₴354

$6.11 ₱376

29.79%

Chicken Fillets (1kg)

$3.92 ₴175

$3.64 ₱224

7.69%

Beef Round Steak (1kg)

$6.60 ₴294

$6.64 ₱409

-0.60%

Apples (1kg)

$0.86 ₴38.48

$2.33 ₱143

-63.09%

Banana (1kg)

$1.62 ₴72.1

$1.13 ₱69.9

43.36%

Oranges (1kg)

$1.90 ₴84.8

$2.37 ₱146

-19.83%

Tomato (1kg)

$2.26 ₴101

$1.28 ₱78.6

76.56%

Potato (1kg)

$0.67 ₴29.82

$2.26 ₱139

-70.35%

Onion (1kg)

$0.56 ₴25.16

$2.81 ₱173

-80.07%

Lettuce (1 head)

$1.03 ₴46.08

$0.91 ₱55.8

13.19%

Water (1.5 liter bottle)

$0.54 ₴23.92

$0.47 ₱28.72

14.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.54 ₴113

$2.49 ₱153

2.01%

Wine (Bottle)

$4.41 ₴197

$3.99 ₱246

10.53%

Local Beer (0.5 liter bottle)

$0.75 ₴33.58

$1.42 ₱87.3

-47.18%

Imported Beer (0.33 liter bottle)

$1.32 ₴58.7

$1.55 ₱95.6

-14.84%

One-way Ticket (Public Transport)

$0.37 ₴16.56

$0.41 ₱25.24

-9.76%

Public Transport Monthly Pass (Regular Price)

$8.46 ₱521

Taxi Start (Normal Tariff)

$1.47 ₴65.5

$0.70 ₱42.93

110.00%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.25

$0.22 ₱13.54

4.55%

Taxi 1hour Waiting (Normal Tariff)

$2.88 ₴129

$2.07 ₱127

39.13%

Gasoline (1 liter)

$1.40 ₴62.4

$1.14 ₱70.4

22.81%

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

$27.6K ₴1.2M

$20.5K ₱1.3M

34.67%

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

$23.9K ₴1.1M

$19.5K ₱1.2M

22.64%

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

$115 ₴5,113

$106 ₱6,542

7.85%

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

$5.38 ₴240

$39.96 ₱2,460

-86.54%

Internet (50+ Mbps, Unlimited Data)

$6.27 ₴280

$33.15 ₱2,041

-81.09%

Gym Membership (Monthly)

$25.27 ₴1,127

$21.81 ₱1,343

15.86%

Tennis Court (1 Hour on Weekend)

$16.00 ₴714

$3.32 ₱204

381.93%

Cinema Ticket

$4.81 ₴215

$4.56 ₱281

5.48%

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

$355 ₴15.8K

$186 ₱11.5K

90.76%

International Primary School, 1 Child (Yearly)

$3,213 ₴143.3K

$2,518 ₱155.1K

27.56%

Jeans (Levis 501 Or Similar)

$56.6 ₴2,526

$35.44 ₱2,182

59.73%

Summer Dress (H&M, Zara, etc)

$40.07 ₴1,788

$14.29 ₱880

180.41%

Sport Shoes (Adidas, Nike)

$83.2 ₴3,711

$56.6 ₱3,482

47.05%

Men's Leather Business Shoes

$101 ₴4,510

$43.47 ₱2,676

132.55%

1-bedroom Apartment, City Center (Monthly)

$183 ₴8,177

$356 ₱21.9K

-48.54%

1-bedroom Apartment, Outside City Center (Monthly)

$134 ₴5,967

$214 ₱13.2K

-37.64%

3-bedroom Apartment, City Center (Monthly)

$365 ₴16.3K

$579 ₱35.6K

-36.95%

3-bedroom Apartment, Outside City Center (Monthly)

$243 ₴10.9K

$374 ₱23.0K

-34.90%

Buy Apartment in City Center (m2)

$1,081 ₴48.2K

$1,611 ₱99.2K

-32.89%

Buy Apartment Outside City Center (m2)

$572 ₴25.5K

$989 ₱60.9K

-42.23%

Average Monthly Net Salary (After Tax)

$532 ₴23.7K

$313 ₱19.3K

69.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

154.87%

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

Last update for Kharkiv: July 14, 2026

Last update for Cagayan de Oro City: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $183 in Kharkiv and $356 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Kharkiv pays 70% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $27.00 in Kharkiv vs $14.00 in Cagayan de Oro City. Groceries flip the comparison at $153 vs $169, 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 13% in total monthly costs ($670 vs $760 including rent). Kharkiv is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 70% 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: $183 in Kharkiv versus $356 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $355 in Kharkiv versus $186 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 $27.00 versus $14.00 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 13% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.