Cost of Living Comparison Between Kharkiv and Panglao Cost of Living Comparison Between Kharkiv and Panglao

Monthly Cost of Living

A single person spends $690 per month in Kharkiv vs $821 in Panglao, rent included.

A couple spends around $1,069 per month in Kharkiv vs $1,231 in Panglao, rent included.

A family of three spends $1,448 per month in Kharkiv vs $1,641 in Panglao, rent included.

Kharkiv is about 16% cheaper than Panglao, driven mainly by Groceries & Markets.

Both Kharkiv and Panglao are more affordable than the global median – Kharkiv 49% lower, Panglao 39% lower.

Meal at Budget Restaurant

$7.36 ₴326

$4.49 ₱277

63.92%

Three-Course Dinner for Two, Mid-Range

$27.16 ₴1,203

$12.16 ₱750

123.36%

Fast Food Meal (McDonalds, etc)

$6.15 ₴272

$4.32 ₱266

42.36%

Cappuccino

$1.35 ₴59.6

$2.59 ₱160

-47.88%

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

$0.61 ₴26.81

$0.83 ₱51.1

-26.51%

Water (0.33 liter bottle)

$0.41 ₴18.06

$0.28 ₱17.39

46.43%

Local Beer (0.5 liter draught)

$1.02 ₴45.32

$1.47 ₱90.7

-30.61%

Imported Beer (0.33 liter bottle)

$1.49 ₴66.2

$1.86 ₱115

-19.89%

Milk (1 liter)

$1.10 ₴48.74

$1.75 ₱108

-37.14%

White Bread (500g)

$0.57 ₴25.30

$1.09 ₱67.3

-47.71%

Rice (white) (1kg)

$1.24 ₴54.9

$1.09 ₱67.3

13.76%

Eggs

$1.55 ₴68.8

$2.01 ₱124

-22.89%

Local Cheese (1kg)

$7.98 ₴354

$9.48 ₱585

-15.82%

Chicken Fillets (1kg)

$4.01 ₴178

$5.35 ₱330

-25.05%

Beef Round Steak (1kg)

$6.72 ₴298

$7.68 ₱473

-12.50%

Apples (1kg)

$0.85 ₴37.56

$2.08 ₱128

-59.13%

Banana (1kg)

$1.62 ₴71.8

$1.51 ₱92.9

7.28%

Oranges (1kg)

$1.85 ₴81.9

$2.07 ₱128

-10.63%

Tomato (1kg)

$2.25 ₴99.6

$1.89 ₱117

19.05%

Potato (1kg)

$0.61 ₴27.16

$2.67 ₱165

-77.15%

Onion (1kg)

$0.56 ₴24.76

$2.57 ₱158

-78.21%

Lettuce (1 head)

$1.03 ₴45.68

$1.00 ₱61.8

3.00%

Water (1.5 liter bottle)

$0.54 ₴24.07

$0.47 ₱29.01

14.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.57 ₴114

$2.59 ₱160

-0.77%

Wine (Bottle)

$4.52 ₴200

$5.34 ₱329

-15.36%

Local Beer (0.5 liter bottle)

$0.75 ₴33.41

$0.88 ₱54.4

-14.77%

Imported Beer (0.33 liter bottle)

$1.25 ₴55.6

$1.73 ₱106

-27.75%

One-way Ticket (Public Transport)

$0.35 ₴15.46

$0.26 ₱15.99

34.62%

Taxi Start (Normal Tariff)

$1.43 ₴63.3

$0.89 ₱54.7

60.67%

Taxi (Normal Tariff) (1km)

$0.25 ₴11.12

$0.23 ₱14.16

8.70%

Taxi 1hour Waiting (Normal Tariff)

$2.84 ₴126

$2.60 ₱161

9.23%

Gasoline (1 liter)

$1.34 ₴59.5

$1.08 ₱66.4

24.07%

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

$26.8K ₴1.2M

$29.9K ₱1.8M

-10.14%

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

$23.9K ₴1.1M

$27.0K ₱1.7M

-11.70%

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

$114 ₴5,061

$98.5 ₱6,073

15.98%

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

$5.60 ₴248

$8.94 ₱552

-37.36%

Internet (50+ Mbps, Unlimited Data)

$6.05 ₴268

$27.02 ₱1,666

-77.61%

Gym Membership (Monthly)

$24.93 ₴1,105

$14.78 ₱912

68.67%

Tennis Court (1 Hour on Weekend)

$15.88 ₴704

$4.31 ₱266

268.45%

Cinema Ticket

$4.88 ₴216

$4.49 ₱277

8.69%

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

$350 ₴15.5K

$230 ₱14.2K

52.27%

International Primary School, 1 Child (Yearly)

$3,174 ₴140.6K

$3,876 ₱239.0K

-18.11%

Jeans (Levis 501 Or Similar)

$56.0 ₴2,482

$46.05 ₱2,840

21.63%

Summer Dress (H&M, Zara, etc)

$40.66 ₴1,802

$22.63 ₱1,395

79.67%

Sport Shoes (Adidas, Nike)

$83.8 ₴3,712

$75.6 ₱4,663

10.82%

Men's Leather Business Shoes

$105 ₴4,637

$54.0 ₱3,327

93.96%

1-bedroom Apartment, City Center (Monthly)

$183 ₴8,086

$327 ₱20.1K

-44.14%

1-bedroom Apartment, Outside City Center (Monthly)

$131 ₴5,825

$280 ₱17.3K

-53.11%

3-bedroom Apartment, City Center (Monthly)

$362 ₴16.1K

$704 ₱43.4K

-48.56%

3-bedroom Apartment, Outside City Center (Monthly)

$241 ₴10.7K

$500 ₱30.8K

-51.83%

Buy Apartment in City Center (m2)

$1,065 ₴47.2K

$960 ₱59.2K

10.88%

Buy Apartment Outside City Center (m2)

$592 ₴26.2K

$873 ₱53.8K

-32.23%

Average Monthly Net Salary (After Tax)

$493 ₴21.8K

$131 ₱8,088

275.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

112.50%

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

Last update for Kharkiv: May 31, 2026

Last update for Panglao: June 1, 2026

Cost Breakdown

A central one-bedroom costs $183 in Kharkiv versus $327 in Panglao. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 276% higher in Kharkiv, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $27.00 in Kharkiv versus $12.00 in Panglao. Groceries tell a different story – $154 in Kharkiv vs $198 in Panglao – so Kharkiv wins on supermarket bills even if dining out costs more.

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 Panglao: Cost of Living - Frequently Asked Questions

Panglao costs about 19% more than Kharkiv, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,035 per month in Kharkiv and $1,232 in Panglao. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kharkiv, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $27.00 in Kharkiv and $12.00 in Panglao. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 29% more in Panglao, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$800 covers both cities comfortably – all-in costs are $690 in Kharkiv and $821 in Panglao, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $690 versus $821 in Panglao. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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