Last update: Oct 2026

Cost of Living Comparison Between Kharkiv and Panglao

For one person, living is cheaper in Kharkiv: $689 a month against $817 in Panglao, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Panglao outweigh lower spending on other living expenses.

33

Cost of Living Index in Kharkiv
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Kharkiv Living Index
40

Cost of Living Index in Panglao
Learn more

Panglao Living Index

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Kharkiv

🇺🇦 Ukraine

$689

/mo nomad

Panglao

🇵🇭 Philippines

$817

/mo nomad

Monthly Cost of Living

How much you'll spend in Kharkiv and in Panglao

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 Panglao actually costs, broken down by who's living it.

A single person spends $689 per month in Kharkiv vs $817 in Panglao, rent included.

Kharkiv $689
Panglao $817

A couple spends around $1,063 per month in Kharkiv vs $1,137 in Panglao, rent included.

Kharkiv $1,063
Panglao $1,137

A family of three spends $1,437 per month in Kharkiv vs $1,456 in Panglao, rent included.

Kharkiv $1,437
Panglao $1,456

Kharkiv is about 16% cheaper than Panglao, and outside of rent the biggest gap is in clothing.

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

Meal at Budget Restaurant

$6.79 ₴305

$3.08 ₱194

120.45%

Three-Course Dinner for Two, Mid-Range

$30.48 ₴1,368

$23.75 ₱1,495

28.34%

Fast Food Meal (McDonalds, etc)

$4.97 ₴223

$3.94 ₱248

26.14%

Cappuccino

$1.66 ₴74.7

$2.27 ₱143

-26.87%

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

$1.06 ₴47.37

$1.60 ₱101

-33.75%

Water (0.33 liter bottle)

$0.51 ₴22.77

$0.53 ₱33.19

-3.77%

Local Beer (0.5 liter draught)

$1.01 ₴45.48

$1.55 ₱97.6

-34.84%

Imported Beer (0.33 liter bottle)

$1.63 ₴73.0

$1.90 ₱119

-14.21%

Milk (1 liter)

$1.14 ₴51.2

$1.59 ₱100

-28.30%

White Bread (500g)

$0.70 ₴31.33

$1.13 ₱70.9

-38.05%

Rice (white) (1kg)

$1.24 ₴55.6

$0.94 ₱59.2

31.91%

Eggs

$1.73 ₴77.9

$1.79 ₱113

-3.35%

Local Cheese (1kg)

$8.45 ₴379

$8.58 ₱540

-1.52%

Chicken Fillets (1kg)

$4.10 ₴184

$4.61 ₱290

-11.06%

Beef Round Steak (1kg)

$7.11 ₴319

$7.62 ₱480

-6.69%

Apples (1kg)

$1.41 ₴63.4

$1.92 ₱121

-26.56%

Banana (1kg)

$1.59 ₴71.2

$1.39 ₱87.5

14.39%

Oranges (1kg)

$1.68 ₴75.2

$1.87 ₱118

-10.16%

Tomato (1kg)

$2.13 ₴95.8

$1.53 ₱96.1

39.22%

Potato (1kg)

$0.71 ₴31.74

$2.41 ₱152

-70.54%

Onion (1kg)

$0.52 ₴23.55

$1.96 ₱123

-73.47%

Lettuce (1 head)

$1.21 ₴54.2

$1.14 ₱71.8

6.14%

Water (1.5 liter bottle)

$0.65 ₴29.10

$0.47 ₱29.49

38.30%

Cigarettes 20 Pack (Marlboro, Camel)

$2.73 ₴122

$2.91 ₱183

-6.19%

Wine (Bottle)

$4.56 ₴205

$5.70 ₱359

-20.00%

Local Beer (0.5 liter bottle)

$0.85 ₴38.07

$0.79 ₱49.65

7.59%

Imported Beer (0.33 liter bottle)

$1.18 ₴52.8

$1.56 ₱97.9

-24.36%

One-way Ticket (Public Transport)

$0.23 ₱14.60

Public Transport Monthly Pass (Regular Price)

$11.32 ₱713

Taxi Start (Normal Tariff)

$1.41 ₴63.4

$0.73 ₱46.14

93.15%

Taxi (Normal Tariff) (1km)

$0.34 ₴15.28

$0.23 ₱14.53

47.83%

Taxi 1hour Waiting (Normal Tariff)

$2.19 ₴98.5

$1.94 ₱122

12.89%

Gasoline (1 liter)

$1.76 ₴78.9

$0.90 ₱57.0

95.56%

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

$29.7K ₴1.3M

$21.2K ₱1.3M

39.93%

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

$22.0K ₴986.7K

$19.2K ₱1.2M

14.43%

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

$95.2 ₴4,273

$58.9 ₱3,711

61.50%

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

$6.22 ₴279

$6.75 ₱425

-7.85%

Internet (50+ Mbps, Unlimited Data)

$7.22 ₴324

$24.52 ₱1,544

-70.55%

Gym Membership (Monthly)

$22.30 ₴1,001

$20.96 ₱1,320

6.39%

Tennis Court (1 Hour on Weekend)

$13.81 ₴620

$4.71 ₱297

193.21%

Cinema Ticket

$4.67 ₴210

$3.92 ₱247

19.13%

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

$281 ₴12.6K

$135 ₱8,504

107.79%

International Primary School, 1 Child (Yearly)

$2,685 ₴120.5K

$7,988 ₱502.9K

-66.39%

Jeans (Levis 501 Or Similar)

$55.6 ₴2,496

$32.48 ₱2,045

71.24%

Summer Dress (H&M, Zara, etc)

$42.27 ₴1,897

$19.59 ₱1,233

115.77%

Sport Shoes (Adidas, Nike)

$92.0 ₴4,129

$66.4 ₱4,183

38.44%

Men's Leather Business Shoes

$103 ₴4,618

$47.63 ₱2,999

115.98%

1-bedroom Apartment, City Center (Monthly)

$239 ₴10.7K

$280 ₱17.7K

-14.90%

1-bedroom Apartment, Outside City Center (Monthly)

$147 ₴6,589

$343 ₱21.6K

-57.21%

3-bedroom Apartment, City Center (Monthly)

$521 ₴23.4K

$567 ₱35.7K

-8.09%

3-bedroom Apartment, Outside City Center (Monthly)

$204 ₴9,136

$390 ₱24.6K

-47.87%

Buy Apartment in City Center (m2)

$1,057 ₴47.4K

$947 ₱59.6K

11.63%

Buy Apartment Outside City Center (m2)

$583 ₴26.2K

$1,014 ₱63.8K

-42.46%

Average Monthly Net Salary (After Tax)

$525 ₴23.6K

20-Year Fixed Mortgage Interest Rate (Annual %)

17.89

7.2

148.47%

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

Last update for Kharkiv: October 11, 2026

Last update for Panglao: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Kharkiv

$163 23.7%

Panglao

$183 22.3% 12.1% $20

Accommodation & Living

Kharkiv

$147 21.3%

Panglao

$343 42% 134% $196

Clothing & Footwear

Kharkiv

$132 19.1%

Panglao

$75 9.2% 43.2% $57

Monthly Utilities & Internet

Kharkiv

$109 15.8%

Panglao

$90 11% 17% $18

Eating Out

Kharkiv

$104 15.1%

Panglao

$84 10.3% 19.3% $20

Sport & Entertainment

Kharkiv

$32 4.6%

Panglao

$29 3.5% 9% $2.8

Getting Around

Kharkiv

$3.1 * 0.5%

Panglao

$14 1.7% 353% $11

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $239 in Kharkiv versus $280 in Panglao. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $30.00 in Kharkiv versus $24.00 in Panglao. Groceries tell a different story – $163 in Kharkiv vs $183 in Panglao – so Kharkiv wins on supermarket bills even if dining out costs more.

Good to know

🇺🇦 Kharkiv

🇵🇭 Panglao

🕒 Local time

23:49 11:49 PM

04:49 4:49 AM

5 h ahead of Kharkiv

🌤 Weather

👥 Population

1,447,652

39,839

💱 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 = 50.46 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 = 70.78 PHP (100 PHP = 1.41 EUR).

USD to UAH in detail →

On the map

Lowest

Highest

Between locations

Kharkiv Panglao 9,020 km ≈ 12 h nonstop flight

From you

Kharkiv
Panglao

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 Panglao: Cost of Living - Frequently Asked Questions

Panglao costs about 19% more than Kharkiv, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,033 per month in Kharkiv and $1,226 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 $30.00 in Kharkiv and $24.00 in Panglao. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 12% 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 $689 in Kharkiv and $817 in Panglao, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $689 versus $817 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.