Cost of Living Comparison Between Makati and Cagayan de Oro City Cost of Living Comparison Between Makati and Cagayan de Oro City

Monthly Cost of Living

Monthly costs for one person with rent: $1,188 in Makati versus $760 in Cagayan de Oro City.

Estimated couple costs with rent: $2,011 in Makati versus $1,122 in Cagayan de Oro City.

Monthly costs for a family of three with rent: $2,833 in Makati versus $1,484 in Cagayan de Oro City.

Living in Makati is roughly 56% more expensive than in Cagayan de Oro City, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Makati 11% lower, Cagayan de Oro City 43% lower.

Meal at Budget Restaurant

$6.53 ₱402

$3.88 ₱239

68.30%

Three-Course Dinner for Two, Mid-Range

$45.00 ₱2,770

$14.45 ₱890

211.42%

Fast Food Meal (McDonalds, etc)

$4.79 ₱295

$3.38 ₱208

41.72%

Cappuccino

$2.95 ₱181

$2.52 ₱155

17.06%

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

$1.20 ₱73.8

$0.98 ₱60.1

22.45%

Water (0.33 liter bottle)

$0.58 ₱35.43

$0.36 ₱21.87

61.11%

Local Beer (0.5 liter draught)

$2.34 ₱144

$1.46 ₱90.0

60.27%

Imported Beer (0.33 liter bottle)

$3.56 ₱219

$2.39 ₱147

48.95%

Milk (1 liter)

$2.14 ₱132

$1.65 ₱102

29.70%

White Bread (500g)

$1.43 ₱88.1

$0.91 ₱55.8

57.14%

Rice (white) (1kg)

$1.11 ₱68.6

$0.92 ₱56.6

20.65%

Eggs

$2.33 ₱144

$2.40 ₱147

-2.92%

Local Cheese (1kg)

$7.99 ₱492

$6.11 ₱376

30.77%

Chicken Fillets (1kg)

$4.52 ₱279

$3.64 ₱224

24.18%

Beef Round Steak (1kg)

$7.71 ₱475

$6.64 ₱409

16.11%

Apples (1kg)

$4.54 ₱279

$2.33 ₱143

94.85%

Banana (1kg)

$1.98 ₱122

$1.13 ₱69.9

75.22%

Oranges (1kg)

$2.72 ₱168

$2.37 ₱146

14.77%

Tomato (1kg)

$2.28 ₱141

$1.28 ₱78.6

78.12%

Potato (1kg)

$3.45 ₱212

$2.26 ₱139

52.65%

Onion (1kg)

$2.80 ₱173

$2.81 ₱173

-0.36%

Lettuce (1 head)

$1.14 ₱70.0

$0.91 ₱55.8

25.27%

Water (1.5 liter bottle)

$0.99 ₱60.7

$0.47 ₱28.72

110.64%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱184

$2.49 ₱153

20.08%

Wine (Bottle)

$8.01 ₱493

$3.99 ₱246

100.75%

Local Beer (0.5 liter bottle)

$1.25 ₱76.9

$1.42 ₱87.3

-11.97%

Imported Beer (0.33 liter bottle)

$2.24 ₱138

$1.55 ₱95.6

44.52%

One-way Ticket (Public Transport)

$0.51 ₱31.57

$0.41 ₱25.24

24.39%

Public Transport Monthly Pass (Regular Price)

$3.58 ₱220

$8.46 ₱521

-57.68%

Taxi Start (Normal Tariff)

$0.76 ₱47.05

$0.70 ₱42.93

8.57%

Taxi (Normal Tariff) (1km)

$0.13 ₱8.20

$0.22 ₱13.54

-40.91%

Taxi 1hour Waiting (Normal Tariff)

$3.45 ₱212

$2.07 ₱127

66.67%

Gasoline (1 liter)

$1.15 ₱71.0

$1.14 ₱70.4

0.88%

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

$34.1K ₱2.1M

$20.5K ₱1.3M

66.28%

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

$22.0K ₱1.4M

$19.5K ₱1.2M

13.09%

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

$170 ₱10.4K

$106 ₱6,542

59.67%

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

$27.66 ₱1,703

$39.96 ₱2,460

-30.78%

Internet (50+ Mbps, Unlimited Data)

$35.79 ₱2,203

$33.15 ₱2,041

7.96%

Gym Membership (Monthly)

$54.8 ₱3,371

$21.81 ₱1,343

151.03%

Tennis Court (1 Hour on Weekend)

$12.03 ₱741

$3.32 ₱204

262.35%

Cinema Ticket

$8.20 ₱505

$4.56 ₱281

79.82%

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

$324 ₱20.0K

$186 ₱11.5K

74.11%

International Primary School, 1 Child (Yearly)

$7,680 ₱472.8K

$2,518 ₱155.1K

204.96%

Jeans (Levis 501 Or Similar)

$58.9 ₱3,628

$35.44 ₱2,182

66.25%

Summer Dress (H&M, Zara, etc)

$35.88 ₱2,209

$14.29 ₱880

151.08%

Sport Shoes (Adidas, Nike)

$84.1 ₱5,175

$56.6 ₱3,482

48.60%

Men's Leather Business Shoes

$124 ₱7,609

$43.47 ₱2,676

184.33%

1-bedroom Apartment, City Center (Monthly)

$657 ₱40.4K

$356 ₱21.9K

84.44%

1-bedroom Apartment, Outside City Center (Monthly)

$390 ₱24.0K

$214 ₱13.2K

82.06%

3-bedroom Apartment, City Center (Monthly)

$2,273 ₱140.0K

$579 ₱35.6K

292.67%

3-bedroom Apartment, Outside City Center (Monthly)

$1,008 ₱62.0K

$374 ₱23.0K

169.59%

Buy Apartment in City Center (m2)

$6,013 ₱370.2K

$1,611 ₱99.2K

273.36%

Buy Apartment Outside City Center (m2)

$3,732 ₱229.8K

$989 ₱60.9K

277.27%

Average Monthly Net Salary (After Tax)

$605 ₱37.3K

$313 ₱19.3K

93.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

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

Last update for Makati: July 12, 2026

Last update for Cagayan de Oro City: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $657 in Makati and $356 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Makati pays 93% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $45.00 in Makati vs $14.00 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $235 vs $169 per month, with Cagayan de Oro City cheaper across the board.

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

Makati vs Cagayan de Oro City: Cost of Living - Frequently Asked Questions

Makati and Cagayan de Oro City differ by about 56% in total monthly costs ($1,188 vs $760 including rent). Cagayan de Oro City is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 93% higher in Makati, 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: $657 in Makati versus $356 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 39% higher in Makati. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cagayan de Oro City – a meal for two runs $14.00 versus $45.00 in Makati. If you eat out regularly, this makes a real dent in your monthly spending.

At $760 in Cagayan de Oro City versus $1,188 in Makati, a $2,000 budget is realistic in Cagayan de Oro City but tight or insufficient in Makati. The gap between the two cities makes Cagayan de Oro City the clear choice for anyone on this budget.

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, Makati 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 Cagayan de Oro City gentler on the wallet – expenses run 56% less than in Makati. Beyond cost, consider language, visa policies, and how big the international community is in each city.