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

Monthly Cost of Living

A single person spends $695 per month in Kharkiv vs $829 in Panglao, rent included.

A couple spends around $1,056 per month in Kharkiv vs $1,145 in Panglao, rent included.

A family of three spends $1,418 per month in Kharkiv vs $1,461 in Panglao, rent included.

Kharkiv is about 16% cheaper than Panglao, driven mainly by Clothing & Footwear.

Both Kharkiv and Panglao are more affordable than the global median – Kharkiv 49% lower, Panglao 40% lower.

Meal at Budget Restaurant

$6.72 ₴299

$3.01 ₱188

123.26%

Three-Course Dinner for Two, Mid-Range

$30.80 ₴1,371

$23.82 ₱1,486

29.30%

Fast Food Meal (McDonalds, etc)

$5.04 ₴224

$4.10 ₱256

22.93%

Cappuccino

$1.55 ₴69.1

$2.29 ₱143

-32.31%

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

$1.07 ₴47.54

$0.59 ₱37.02

81.36%

Water (0.33 liter bottle)

$0.52 ₴22.95

$0.51 ₱31.58

1.96%

Local Beer (0.5 liter draught)

$1.04 ₴46.20

$1.61 ₱101

-35.40%

Imported Beer (0.33 liter bottle)

$1.66 ₴73.9

$1.96 ₱122

-15.31%

Milk (1 liter)

$1.12 ₴50.1

$1.67 ₱104

-32.93%

White Bread (500g)

$0.66 ₴29.46

$1.11 ₱69.4

-40.54%

Rice (white) (1kg)

$1.24 ₴55.4

$0.93 ₱57.8

33.33%

Eggs

$1.68 ₴75.0

$1.81 ₱113

-7.18%

Local Cheese (1kg)

$8.19 ₴365

$8.75 ₱546

-6.40%

Chicken Fillets (1kg)

$4.30 ₴191

$4.60 ₱287

-6.52%

Beef Round Steak (1kg)

$7.22 ₴321

$7.41 ₱462

-2.56%

Apples (1kg)

$1.38 ₴61.4

$1.98 ₱123

-30.30%

Banana (1kg)

$1.53 ₴68.2

$1.46 ₱91.2

4.79%

Oranges (1kg)

$1.70 ₴75.9

$1.93 ₱121

-11.92%

Tomato (1kg)

$2.01 ₴89.5

$1.51 ₱94.0

33.11%

Potato (1kg)

$0.73 ₴32.68

$2.33 ₱146

-68.67%

Onion (1kg)

$0.51 ₴22.90

$1.97 ₱123

-74.11%

Lettuce (1 head)

$1.22 ₴54.3

$1.20 ₱74.9

1.67%

Water (1.5 liter bottle)

$0.57 ₴25.57

$0.50 ₱31.27

14.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.83 ₴126

$2.90 ₱181

-2.41%

Wine (Bottle)

$4.60 ₴205

$5.79 ₱361

-20.55%

Local Beer (0.5 liter bottle)

$0.86 ₴38.09

$0.80 ₱49.65

7.50%

Imported Beer (0.33 liter bottle)

$1.24 ₴55.4

$1.64 ₱102

-24.39%

One-way Ticket (Public Transport)

$0.30 ₱18.62

Public Transport Monthly Pass (Regular Price)

$11.83 ₱738

Taxi Start (Normal Tariff)

$1.33 ₴59.3

$0.79 ₱49.06

68.35%

Taxi (Normal Tariff) (1km)

$0.35 ₴15.69

$0.21 ₱13.06

66.67%

Taxi 1hour Waiting (Normal Tariff)

$2.30 ₴103

$1.89 ₱118

21.69%

Gasoline (1 liter)

$1.67 ₴74.5

$0.93 ₱57.8

79.57%

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

$29.5K ₴1.3M

$21.0K ₱1.3M

40.30%

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

$22.0K ₴979.5K

$19.4K ₱1.2M

13.13%

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

$98.6 ₴4,390

$60.2 ₱3,757

63.76%

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

$5.96 ₴266

$6.78 ₱423

-12.09%

Internet (50+ Mbps, Unlimited Data)

$7.28 ₴324

$25.10 ₱1,566

-71.00%

Gym Membership (Monthly)

$21.68 ₴965

$21.14 ₱1,319

2.55%

Tennis Court (1 Hour on Weekend)

$15.39 ₴685

$4.68 ₱292

228.85%

Cinema Ticket

$4.77 ₴213

$3.99 ₱249

19.55%

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

$287 ₴12.8K

$131 ₱8,202

118.39%

International Primary School, 1 Child (Yearly)

$2,842 ₴126.5K

$8,204 ₱511.9K

-65.36%

Jeans (Levis 501 Or Similar)

$56.4 ₴2,511

$32.18 ₱2,008

75.26%

Summer Dress (H&M, Zara, etc)

$41.61 ₴1,853

$19.95 ₱1,245

108.57%

Sport Shoes (Adidas, Nike)

$92.9 ₴4,135

$68.7 ₱4,287

35.18%

Men's Leather Business Shoes

$98.2 ₴4,370

$47.25 ₱2,949

107.72%

1-bedroom Apartment, City Center (Monthly)

$247 ₴11.0K

$282 ₱17.6K

-12.57%

1-bedroom Apartment, Outside City Center (Monthly)

$144 ₴6,429

$354 ₱22.1K

-59.19%

3-bedroom Apartment, City Center (Monthly)

$525 ₴23.4K

$563 ₱35.1K

-6.71%

3-bedroom Apartment, Outside City Center (Monthly)

$213 ₴9,482

$407 ₱25.4K

-47.70%

Buy Apartment in City Center (m2)

$1,056 ₴47.0K

$951 ₱59.3K

11.10%

Buy Apartment Outside City Center (m2)

$584 ₴26.0K

$856 ₱53.4K

-31.80%

Average Monthly Net Salary (After Tax)

$547 ₴24.4K

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: August 31, 2026

Last update for Panglao: August 29, 2026

Cost Breakdown

A central one-bedroom costs $247 in Kharkiv versus $282 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 $31.00 in Kharkiv versus $24.00 in Panglao. Groceries tell a different story – $161 in Kharkiv vs $185 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 Clothing & Footwear. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,042 per month in Kharkiv and $1,243 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 $31.00 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 15% 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 $695 in Kharkiv and $829 in Panglao, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $695 versus $829 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.