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: $690 in Kharkiv versus $750 in Cagayan de Oro City.

Estimated couple costs with rent: $1,069 in Kharkiv versus $1,121 in Cagayan de Oro City.

Monthly costs for a family of three with rent: $1,448 in Kharkiv versus $1,493 in Cagayan de Oro City.

Living in Kharkiv costs roughly 8% less than in Cagayan de Oro City, driven mainly by Monthly Utilities & Internet.

Both cities sit below the global median: Kharkiv 49% lower, Cagayan de Oro City 44% lower.

Meal at Budget Restaurant

$7.36 ₴326

$3.67 ₱226

100.54%

Three-Course Dinner for Two, Mid-Range

$27.16 ₴1,203

$14.04 ₱866

93.45%

Fast Food Meal (McDonalds, etc)

$6.15 ₴272

$3.44 ₱212

78.78%

Cappuccino

$1.35 ₴59.6

$2.62 ₱162

-48.47%

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

$0.61 ₴26.81

$0.96 ₱59.2

-36.46%

Water (0.33 liter bottle)

$0.41 ₴18.06

$0.36 ₱22.11

13.89%

Local Beer (0.5 liter draught)

$1.02 ₴45.32

$1.45 ₱89.4

-29.66%

Imported Beer (0.33 liter bottle)

$1.49 ₴66.2

$2.47 ₱152

-39.68%

Milk (1 liter)

$1.10 ₴48.74

$1.66 ₱102

-33.73%

White Bread (500g)

$0.57 ₴25.30

$0.98 ₱60.3

-41.84%

Rice (white) (1kg)

$1.24 ₴54.9

$0.98 ₱60.2

26.53%

Eggs

$1.55 ₴68.8

$2.40 ₱148

-35.42%

Local Cheese (1kg)

$7.98 ₴354

$6.08 ₱375

31.25%

Chicken Fillets (1kg)

$4.01 ₴178

$3.48 ₱215

15.23%

Beef Round Steak (1kg)

$6.72 ₴298

$6.43 ₱397

4.51%

Apples (1kg)

$0.85 ₴37.56

$2.24 ₱138

-62.05%

Banana (1kg)

$1.62 ₴71.8

$1.13 ₱69.9

43.36%

Oranges (1kg)

$1.85 ₴81.9

$2.29 ₱141

-19.21%

Tomato (1kg)

$2.25 ₴99.6

$1.22 ₱75.2

84.43%

Potato (1kg)

$0.61 ₴27.16

$2.26 ₱139

-73.01%

Onion (1kg)

$0.56 ₴24.76

$2.79 ₱172

-79.93%

Lettuce (1 head)

$1.03 ₴45.68

$0.85 ₱52.3

21.18%

Water (1.5 liter bottle)

$0.54 ₴24.07

$0.51 ₱31.16

5.88%

Cigarettes 20 Pack (Marlboro, Camel)

$2.57 ₴114

$2.40 ₱148

7.08%

Wine (Bottle)

$4.52 ₴200

$3.95 ₱244

14.43%

Local Beer (0.5 liter bottle)

$0.75 ₴33.41

$1.34 ₱82.9

-44.03%

Imported Beer (0.33 liter bottle)

$1.25 ₴55.6

$1.56 ₱96.3

-19.87%

One-way Ticket (Public Transport)

$0.35 ₴15.46

$0.41 ₱25.24

-14.63%

Public Transport Monthly Pass (Regular Price)

$8.72 ₱538

Taxi Start (Normal Tariff)

$1.43 ₴63.3

$0.68 ₱41.72

110.29%

Taxi (Normal Tariff) (1km)

$0.25 ₴11.12

$0.22 ₱13.49

13.64%

Taxi 1hour Waiting (Normal Tariff)

$2.84 ₴126

$2.18 ₱134

30.28%

Gasoline (1 liter)

$1.34 ₴59.5

$1.14 ₱70.3

17.54%

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

$26.8K ₴1.2M

$20.2K ₱1.2M

32.78%

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

$23.9K ₴1.1M

$18.9K ₱1.2M

26.53%

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

$114 ₴5,061

$105 ₱6,471

8.84%

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

$5.60 ₴248

$40.33 ₱2,487

-86.11%

Internet (50+ Mbps, Unlimited Data)

$6.05 ₴268

$33.47 ₱2,064

-81.92%

Gym Membership (Monthly)

$24.93 ₴1,105

$22.08 ₱1,362

12.91%

Tennis Court (1 Hour on Weekend)

$15.88 ₴704

$3.27 ₱202

385.63%

Cinema Ticket

$4.88 ₴216

$4.62 ₱285

5.63%

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

$350 ₴15.5K

$190 ₱11.7K

83.82%

International Primary School, 1 Child (Yearly)

$3,174 ₴140.6K

$2,462 ₱151.8K

28.92%

Jeans (Levis 501 Or Similar)

$56.0 ₴2,482

$35.46 ₱2,187

57.95%

Summer Dress (H&M, Zara, etc)

$40.66 ₴1,802

$14.51 ₱895

180.22%

Sport Shoes (Adidas, Nike)

$83.8 ₴3,712

$58.7 ₱3,621

42.71%

Men's Leather Business Shoes

$105 ₴4,637

$42.85 ₱2,642

144.25%

1-bedroom Apartment, City Center (Monthly)

$183 ₴8,086

$362 ₱22.3K

-49.59%

1-bedroom Apartment, Outside City Center (Monthly)

$131 ₴5,825

$214 ₱13.2K

-38.53%

3-bedroom Apartment, City Center (Monthly)

$362 ₴16.1K

$581 ₱35.8K

-37.58%

3-bedroom Apartment, Outside City Center (Monthly)

$241 ₴10.7K

$383 ₱23.6K

-37.22%

Buy Apartment in City Center (m2)

$1,065 ₴47.2K

$1,668 ₱102.8K

-36.14%

Buy Apartment Outside City Center (m2)

$592 ₴26.2K

$994 ₱61.3K

-40.50%

Average Monthly Net Salary (After Tax)

$493 ₴21.8K

$313 ₱19.3K

57.14%

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: May 31, 2026

Last update for Cagayan de Oro City: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $183 in Kharkiv and $362 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Kharkiv pays 57% 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 $154 vs $168, 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 ($690 vs $750 including rent). Kharkiv is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Kharkiv pays 57% more on average, 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 $362 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $350 in Kharkiv versus $190 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 9% less than in Cagayan de Oro City. Beyond cost, consider language, visa policies, and how big the international community is in each city.