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

Monthly Cost of Living

A single person spends $670 per month in Kharkiv vs $828 in Panglao, rent included.

A couple spends around $1,073 per month in Kharkiv vs $1,237 in Panglao, rent included.

A family of three spends $1,476 per month in Kharkiv vs $1,646 in Panglao, rent included.

Kharkiv is about 19% cheaper than Panglao, driven mainly by Groceries & Markets.

Both Kharkiv and Panglao are more affordable than the global median – Kharkiv 50% lower, Panglao 38% lower.

Meal at Budget Restaurant

$7.08 ₴316

$4.32 ₱266

63.89%

Three-Course Dinner for Two, Mid-Range

$26.72 ₴1,192

$12.52 ₱771

113.42%

Fast Food Meal (McDonalds, etc)

$5.94 ₴265

$4.30 ₱265

38.14%

Cappuccino

$1.29 ₴57.5

$2.55 ₱157

-49.41%

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

$0.60 ₴26.92

$0.79 ₱48.50

-24.05%

Water (0.33 liter bottle)

$0.44 ₴19.67

$0.26 ₱15.94

69.23%

Local Beer (0.5 liter draught)

$0.98 ₴43.52

$1.49 ₱92.0

-34.23%

Imported Beer (0.33 liter bottle)

$1.53 ₴68.4

$1.87 ₱115

-18.18%

Milk (1 liter)

$1.06 ₴47.12

$1.68 ₱104

-36.90%

White Bread (500g)

$0.62 ₴27.56

$1.08 ₱66.5

-42.59%

Rice (white) (1kg)

$1.27 ₴56.6

$1.04 ₱63.8

22.12%

Eggs

$1.63 ₴72.5

$1.92 ₱118

-15.10%

Local Cheese (1kg)

$7.93 ₴354

$9.18 ₱565

-13.62%

Chicken Fillets (1kg)

$3.92 ₴175

$5.09 ₱313

-22.99%

Beef Round Steak (1kg)

$6.60 ₴294

$7.80 ₱480

-15.38%

Apples (1kg)

$0.86 ₴38.48

$2.16 ₱133

-60.19%

Banana (1kg)

$1.62 ₴72.1

$1.48 ₱91.1

9.46%

Oranges (1kg)

$1.90 ₴84.8

$2.09 ₱129

-9.09%

Tomato (1kg)

$2.26 ₴101

$1.90 ₱117

18.95%

Potato (1kg)

$0.67 ₴29.82

$2.55 ₱157

-73.73%

Onion (1kg)

$0.56 ₴25.16

$2.44 ₱150

-77.05%

Lettuce (1 head)

$1.03 ₴46.08

$0.92 ₱56.8

11.96%

Water (1.5 liter bottle)

$0.54 ₴23.92

$0.47 ₱28.96

14.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.54 ₴113

$2.69 ₱166

-5.58%

Wine (Bottle)

$4.41 ₴197

$6.02 ₱371

-26.74%

Local Beer (0.5 liter bottle)

$0.75 ₴33.58

$0.93 ₱57.6

-19.35%

Imported Beer (0.33 liter bottle)

$1.32 ₴58.7

$1.76 ₱108

-25.00%

One-way Ticket (Public Transport)

$0.37 ₴16.56

$0.28 ₱17.37

32.14%

Taxi Start (Normal Tariff)

$1.47 ₴65.5

$0.88 ₱54.0

67.05%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.25

$0.23 ₱14.06

Taxi 1hour Waiting (Normal Tariff)

$2.88 ₴129

$2.61 ₱161

10.34%

Gasoline (1 liter)

$1.40 ₴62.4

$1.03 ₱63.2

35.92%

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

$27.6K ₴1.2M

$30.4K ₱1.9M

-9.11%

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

$23.9K ₴1.1M

$27.4K ₱1.7M

-12.77%

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

$115 ₴5,113

$96.1 ₱5,915

19.29%

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

$5.38 ₴240

$8.94 ₱550

-39.82%

Internet (50+ Mbps, Unlimited Data)

$6.27 ₴280

$26.42 ₱1,627

-76.27%

Gym Membership (Monthly)

$25.27 ₴1,127

$14.74 ₱907

71.44%

Tennis Court (1 Hour on Weekend)

$16.00 ₴714

$4.34 ₱267

268.66%

Cinema Ticket

$4.81 ₴215

$4.32 ₱266

11.34%

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

$355 ₴15.8K

$230 ₱14.2K

54.51%

International Primary School, 1 Child (Yearly)

$3,213 ₴143.3K

$3,960 ₱243.8K

-18.86%

Jeans (Levis 501 Or Similar)

$56.6 ₴2,526

$45.65 ₱2,811

24.01%

Summer Dress (H&M, Zara, etc)

$40.07 ₴1,788

$23.41 ₱1,442

71.17%

Sport Shoes (Adidas, Nike)

$83.2 ₴3,711

$76.6 ₱4,715

8.61%

Men's Leather Business Shoes

$101 ₴4,510

$52.9 ₱3,256

91.17%

1-bedroom Apartment, City Center (Monthly)

$183 ₴8,177

$321 ₱19.8K

-42.92%

1-bedroom Apartment, Outside City Center (Monthly)

$134 ₴5,967

$279 ₱17.2K

-52.12%

3-bedroom Apartment, City Center (Monthly)

$365 ₴16.3K

$699 ₱43.0K

-47.75%

3-bedroom Apartment, Outside City Center (Monthly)

$243 ₴10.9K

$500 ₱30.8K

-51.36%

Buy Apartment in City Center (m2)

$1,081 ₴48.2K

$991 ₱61.0K

9.10%

Buy Apartment Outside City Center (m2)

$572 ₴25.5K

$854 ₱52.6K

-33.08%

Average Monthly Net Salary (After Tax)

$532 ₴23.7K

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: July 14, 2026

Last update for Panglao: July 12, 2026

Cost Breakdown

A central one-bedroom costs $183 in Kharkiv versus $321 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 $27.00 in Kharkiv versus $13.00 in Panglao. Groceries tell a different story – $153 in Kharkiv vs $195 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 24% 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 $1,005 per month in Kharkiv and $1,242 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 $13.00 in Panglao. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 27% 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 $670 in Kharkiv and $828 in Panglao, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $670 versus $828 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.