Last update: Oct 2026

Cost of Living Comparison Between Makati and Cagayan de Oro City

For one person, living is cheaper in Cagayan de Oro City: $801 a month against $1,230 in Makati, rent and utilities included – about $5,100 less a year. Other living expenses account for most of the difference.

59

Cost of Living Index in Makati
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Makati Living Index
39

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index

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Makati

🇵🇭 Philippines

$1,230

/mo nomad

Cagayan de Oro City

🇵🇭 Philippines

$801

/mo nomad

Monthly Cost of Living

How much you'll spend in Makati and in Cagayan de Oro City

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Makati and in Cagayan de Oro City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,230 in Makati versus $801 in Cagayan de Oro City.

Makati $1,230
Cagayan de Oro City $801

Estimated couple costs with rent: $2,137 in Makati versus $1,142 in Cagayan de Oro City.

Makati $2,137
Cagayan de Oro City $1,142

Monthly costs for a family of three with rent: $3,044 in Makati versus $1,484 in Cagayan de Oro City.

Makati $3,044
Cagayan de Oro City $1,484

Living in Makati is roughly 54% more expensive than in Cagayan de Oro City, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Makati 10% lower, Cagayan de Oro City 41% lower.

Meal at Budget Restaurant

$6.40 ₱407

$3.52 ₱224

81.82%

Three-Course Dinner for Two, Mid-Range

$38.45 ₱2,449

$12.33 ₱786

211.84%

Fast Food Meal (McDonalds, etc)

$4.78 ₱305

$2.89 ₱184

65.40%

Cappuccino

$2.59 ₱165

$2.26 ₱144

14.60%

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

$1.09 ₱69.7

$0.69 ₱43.93

57.97%

Water (0.33 liter bottle)

$0.49 ₱31.29

$0.66 ₱42.31

-25.76%

Local Beer (0.5 liter draught)

$2.39 ₱152

$1.33 ₱84.7

79.70%

Imported Beer (0.33 liter bottle)

$3.18 ₱202

$2.00 ₱127

59.00%

Milk (1 liter)

$1.80 ₱115

$1.44 ₱91.7

25.00%

White Bread (500g)

$1.26 ₱80.6

$0.89 ₱56.4

41.57%

Rice (white) (1kg)

$1.03 ₱65.6

$0.91 ₱57.7

13.19%

Eggs

$2.37 ₱151

$2.06 ₱131

15.05%

Local Cheese (1kg)

$6.91 ₱440

$8.08 ₱515

-14.48%

Chicken Fillets (1kg)

$4.93 ₱314

$3.25 ₱207

51.69%

Beef Round Steak (1kg)

$6.74 ₱429

$5.77 ₱368

16.81%

Apples (1kg)

$4.12 ₱262

$2.13 ₱136

93.43%

Banana (1kg)

$1.90 ₱121

$1.05 ₱67.1

80.95%

Oranges (1kg)

$3.19 ₱203

$2.30 ₱146

38.70%

Tomato (1kg)

$2.25 ₱143

$1.12 ₱71.4

100.89%

Potato (1kg)

$3.55 ₱226

$1.97 ₱126

80.20%

Onion (1kg)

$3.50 ₱223

$2.57 ₱164

36.19%

Lettuce (1 head)

$1.07 ₱67.9

$0.76 ₱48.37

40.79%

Water (1.5 liter bottle)

$1.13 ₱71.7

$0.47 ₱30.23

140.43%

Cigarettes 20 Pack (Marlboro, Camel)

$2.60 ₱165

$2.92 ₱186

-10.96%

Wine (Bottle)

$7.85 ₱500

$3.93 ₱251

99.75%

Local Beer (0.5 liter bottle)

$1.29 ₱82.3

$1.26 ₱80.4

2.38%

Imported Beer (0.33 liter bottle)

$1.93 ₱123

$1.92 ₱122

0.52%

One-way Ticket (Public Transport)

$0.88 ₱56.3

$0.29 ₱18.27

203.45%

Public Transport Monthly Pass (Regular Price)

$56.3 ₱3,583

$11.49 ₱732

389.64%

Taxi Start (Normal Tariff)

$0.65 ₱41.46

$0.62 ₱39.29

4.84%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.33

$0.22 ₱14.04

-4.55%

Taxi 1hour Waiting (Normal Tariff)

$1.90 ₱121

Gasoline (1 liter)

$1.28 ₱81.4

$1.01 ₱64.6

26.73%

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

$20.8K ₱1.3M

$20.9K ₱1.3M

-0.26%

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

$18.9K ₱1.2M

$19.1K ₱1.2M

-1.41%

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

$151 ₱9,639

$131 ₱8,367

15.20%

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

$15.59 ₱993

$22.03 ₱1,403

-29.23%

Internet (50+ Mbps, Unlimited Data)

$31.38 ₱1,999

$30.16 ₱1,921

4.05%

Gym Membership (Monthly)

$53.3 ₱3,393

$24.12 ₱1,536

120.85%

Tennis Court (1 Hour on Weekend)

$14.04 ₱894

$2.80 ₱178

401.43%

Cinema Ticket

$7.22 ₱460

$4.35 ₱277

65.98%

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

$776 ₱49.4K

$64.3 ₱4,098

1105.80%

International Primary School, 1 Child (Yearly)

$7,391 ₱470.7K

$2,231 ₱142.1K

231.29%

Jeans (Levis 501 Or Similar)

$59.9 ₱3,814

$31.70 ₱2,019

88.90%

Summer Dress (H&M, Zara, etc)

$36.96 ₱2,354

$13.22 ₱842

179.58%

Sport Shoes (Adidas, Nike)

$81.0 ₱5,161

$50.4 ₱3,210

60.74%

Men's Leather Business Shoes

$101 ₱6,426

$39.53 ₱2,518

155.22%

1-bedroom Apartment, City Center (Monthly)

$829 ₱52.8K

$424 ₱27.0K

95.31%

1-bedroom Apartment, Outside City Center (Monthly)

$429 ₱27.3K

$267 ₱17.0K

60.52%

3-bedroom Apartment, City Center (Monthly)

$2,151 ₱137.0K

$667 ₱42.5K

222.31%

3-bedroom Apartment, Outside City Center (Monthly)

$1,308 ₱83.3K

$441 ₱28.1K

196.40%

Buy Apartment in City Center (m2)

$5,714 ₱363.9K

$1,562 ₱99.5K

265.84%

Buy Apartment Outside City Center (m2)

$3,568 ₱227.3K

$955 ₱60.9K

273.49%

Average Monthly Net Salary (After Tax)

$587 ₱37.4K

$307 ₱19.6K

91.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.5

6.75

11.11%

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

Last update for Makati: October 26, 2026

Last update for Cagayan de Oro City: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Makati

$429 34.8%

Cagayan de Oro City

$267 33.3% 37.7% $162

Groceries & Markets

Makati

$227 18.5%

Cagayan de Oro City

$162 20.3% 28.5% $65

Monthly Utilities & Internet

Makati

$198 16.1%

Cagayan de Oro City

$184 22.9% 7.4% $15

Clothing & Footwear

Makati

$125 10.2%

Cagayan de Oro City

$61 7.6% 51.6% $65

Eating Out

Makati

$121 9.9%

Cagayan de Oro City

$80 10% 34% $41

Sport & Entertainment

Makati

$68 5.5%

Cagayan de Oro City

$33 4.1% 51.5% $35

Getting Around

Makati

$61 5%

Cagayan de Oro City

$14 1.8% 76.6% $47

Cost Breakdown

A one-bedroom apartment in the center runs $829 in Makati and $424 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Makati pays 91% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $38 in Makati vs $12 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $227 vs $162 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇵🇭 Makati

🇵🇭 Cagayan de Oro City

🕒 Local time

19:41 7:41 PM

Same time as Makati

🌤 Weather

👥 Population

582,602

728,402

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

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Makati Cagayan de Oro City 780 km ≈ 1 h 30 min nonstop flight

From you

Makati
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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

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

Total monthly costs including rent come to $1,230 in Makati and $801 in Cagayan de Oro City, so Cagayan de Oro City is about 35% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 91% 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: $829 in Makati versus $424 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 40% 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 $12 versus $38 in Makati. If you eat out regularly, this makes a real dent in your monthly spending.

At $801 in Cagayan de Oro City versus $1,230 in Makati, a $1,200 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 both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Cagayan de Oro City gentler on the wallet – expenses run 35% less than in Makati. Beyond cost, consider language, visa policies, and how big the international community is in each city.