Last update: Oct 2026

Cost of Living Comparison Between Melbourne and Toledo City

For one person, living is cheaper in Toledo City: $647 a month against $2,821 in Melbourne, rent and utilities included – about $26,100 less a year. Rent and utilities account for most of the difference.

138

Cost of Living Index in Melbourne
Learn more

Melbourne Living Index
32

Cost of Living Index in Toledo City
Learn more

Toledo City Living Index

Jump to prices

Melbourne

🇦🇺 Australia

$2,821

/mo nomad

Toledo City

🇵🇭 Philippines

$647

/mo nomad

Monthly Cost of Living

How much you'll spend in Melbourne and in Toledo City

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

Monthly costs for one person with rent: $2,821 in Melbourne versus $647 in Toledo City.

Melbourne $2,821
Toledo City $647

Estimated couple costs with rent: $4,235 in Melbourne versus $1,023 in Toledo City.

Melbourne $4,235
Toledo City $1,023

Monthly costs for a family of three with rent: $5,650 in Melbourne versus $1,398 in Toledo City.

Melbourne $5,650
Toledo City $1,398

Living in Melbourne is roughly 336% more expensive than in Toledo City, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Melbourne is 109% above, Toledo City is 52% below.

Meal at Budget Restaurant

$17.43 A$25.08

$2.87 ₱181

507.32%

Three-Course Dinner for Two, Mid-Range

$84.6 A$122

$19.01 ₱1,197

344.77%

Fast Food Meal (McDonalds, etc)

$12.46 A$17.92

$3.11 ₱196

300.64%

Cappuccino

$4.11 A$5.91

$1.87 ₱117

119.79%

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

$3.06 A$4.40

$0.65 ₱40.86

370.77%

Water (0.33 liter bottle)

$2.52 A$3.62

$0.31 ₱19.32

712.90%

Local Beer (0.5 liter draught)

$9.80 A$14.10

$1.06 ₱67.0

824.53%

Imported Beer (0.33 liter bottle)

$8.57 A$12.33

$1.71 ₱108

401.17%

Milk (1 liter)

$1.48 A$2.14

$1.66 ₱104

-10.84%

White Bread (500g)

$2.94 A$4.23

$1.21 ₱76.3

142.98%

Rice (white) (1kg)

$2.66 A$3.82

$0.90 ₱56.4

195.56%

Eggs

$5.54 A$7.97

$1.88 ₱118

194.68%

Local Cheese (1kg)

$10.51 A$15.13

$5.95 ₱375

76.64%

Chicken Fillets (1kg)

$9.65 A$13.89

$4.10 ₱258

135.37%

Beef Round Steak (1kg)

$15.22 A$21.91

$6.15 ₱387

147.48%

Apples (1kg)

$3.99 A$5.75

$3.27 ₱206

22.02%

Banana (1kg)

$3.02 A$4.34

$1.04 ₱65.2

190.38%

Oranges (1kg)

$3.10 A$4.46

$2.80 ₱176

10.71%

Tomato (1kg)

$4.82 A$6.93

$1.38 ₱87.0

249.28%

Potato (1kg)

$3.03 A$4.36

$2.33 ₱147

30.04%

Onion (1kg)

$2.44 A$3.52

$2.84 ₱179

-14.08%

Lettuce (1 head)

$2.46 A$3.54

$1.45 ₱91.3

69.66%

Water (1.5 liter bottle)

$1.63 A$2.34

$0.76 ₱48.04

114.47%

Cigarettes 20 Pack (Marlboro, Camel)

$44.07 A$63.4

$0.82 ₱51.6

5274.39%

Wine (Bottle)

$12.70 A$18.28

$6.18 ₱389

105.50%

Local Beer (0.5 liter bottle)

$5.54 A$7.97

$1.08 ₱67.9

412.96%

Imported Beer (0.33 liter bottle)

$5.23 A$7.52

$1.29 ₱81.1

305.43%

One-way Ticket (Public Transport)

$3.74 A$5.38

$0.29 ₱18.09

1189.66%

Public Transport Monthly Pass (Regular Price)

$138 A$198

$9.95 ₱626

1282.11%

Taxi Start (Normal Tariff)

$4.51 A$6.50

$0.82 ₱51.8

450.00%

Taxi (Normal Tariff) (1km)

$1.36 A$1.96

$0.33 ₱21.08

312.12%

Taxi 1hour Waiting (Normal Tariff)

$30.45 A$43.81

$2.46 ₱155

1137.80%

Gasoline (1 liter)

$1.47 A$2.12

$1.16 ₱73.3

26.72%

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

$29.0K A$41.7K

$21.2K ₱1.3M

36.57%

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

$26.5K A$38.1K

$19.6K ₱1.2M

35.18%

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

$234 A$336

$63.4 ₱3,992

268.58%

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

$27.93 A$40.19

$9.51 ₱599

193.69%

Internet (50+ Mbps, Unlimited Data)

$55.7 A$80.2

$26.91 ₱1,694

107.13%

Gym Membership (Monthly)

$49.40 A$71.1

$31.76 ₱2,000

55.54%

Tennis Court (1 Hour on Weekend)

$21.48 A$30.91

$4.72 ₱297

355.08%

Cinema Ticket

$15.09 A$21.72

$1.57 ₱99.1

861.15%

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

$2,371 A$3,412

$79.6 ₱5,013

2878.21%

International Primary School, 1 Child (Yearly)

$30.2K A$43.5K

$7,190 ₱452.7K

319.96%

Jeans (Levis 501 Or Similar)

$80.0 A$115

$32.71 ₱2,059

144.48%

Summer Dress (H&M, Zara, etc)

$50.7 A$73.0

$19.70 ₱1,240

157.36%

Sport Shoes (Adidas, Nike)

$121 A$174

$55.4 ₱3,491

117.55%

Men's Leather Business Shoes

$130 A$188

$55.9 ₱3,519

133.35%

1-bedroom Apartment, City Center (Monthly)

$1,759 A$2,531

$268 ₱16.9K

555.31%

1-bedroom Apartment, Outside City Center (Monthly)

$1,390 A$2,000

$173 ₱10.9K

703.50%

3-bedroom Apartment, City Center (Monthly)

$3,494 A$5,027

$508 ₱32.0K

587.25%

3-bedroom Apartment, Outside City Center (Monthly)

$2,493 A$3,588

$361 ₱22.7K

591.40%

Buy Apartment in City Center (m2)

$6,926 A$9,967

$2,390 ₱150.5K

189.77%

Buy Apartment Outside City Center (m2)

$6,445 A$9,274

$992 ₱62.5K

549.43%

Average Monthly Net Salary (After Tax)

$4,383 A$6,307

$320 ₱20.1K

1269.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.9

-1.67%

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

Last update for Melbourne: October 10, 2026

Last update for Toledo City: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Melbourne

$1.4K 49.3%

Toledo City

$173 26.7% 87.6% $1.2K

Groceries & Markets

Melbourne

$384 13.6%

Toledo City

$185 28.6% 51.7% $199

Monthly Utilities & Internet

Melbourne

$317 11.3%

Toledo City

$100 15.4% 68.5% $218

Eating Out

Melbourne

$315 11.2%

Toledo City

$67 10.4% 78.6% $247

Clothing & Footwear

Melbourne

$172 6.1%

Toledo City

$74 11.4% 57.1% $98

Getting Around

Melbourne

$164 5.8%

Toledo City

$14 2.1% 91.7% $150

Sport & Entertainment

Melbourne

$80 2.8%

Toledo City

$35 5.4% 56.1% $45

Cost Breakdown

A one-bedroom apartment in the center runs $1,759 in Melbourne and $268 in Toledo City. Housing cost is often the main lever when comparing two cities.

Melbourne pays 1270% 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: $85.0 in Melbourne vs $19.00 in Toledo City for a mid-range dinner for two. Groceries echo the gap at $384 vs $185 per month, with Toledo City cheaper across the board.

Good to know

🇦🇺 Melbourne

🇵🇭 Toledo City

🕒 Local time

12:05 12:05 PM

09:05 9:05 AM

3 h behind Melbourne

🌤 Weather

👥 Population

5,031,195

206,692

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 18, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to AUD in detail →

On the map

Lowest

Highest

Between locations

Melbourne Toledo City 5,800 km ≈ 8 h nonstop flight

From you

Melbourne
Toledo City

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

Melbourne vs Toledo City: Cost of Living - Frequently Asked Questions

Melbourne and Toledo City differ by about 336% in total monthly costs ($2,821 vs $647 including rent). Toledo City is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1270% higher in Melbourne, 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: $1,759 in Melbourne versus $268 in Toledo City. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,371 in Melbourne versus $79.6 in Toledo City. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 107% higher in Melbourne. For households that cook at home regularly, that difference adds up over a month.

At $647 in Toledo City versus $2,821 in Melbourne, a $2,000 budget is realistic in Toledo City but tight or insufficient in Melbourne. The gap between the two cities makes Toledo 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, Melbourne and Toledo 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 Toledo City gentler on the wallet – expenses run 336% less than in Melbourne. Beyond cost, consider language, visa policies, and how big the international community is in each city.