Last update: Oct 2026

Cost of Living Comparison Between Naga and Austin, TX

For one person, living is cheaper in Naga: $558 a month against $2,663 in Austin, TX, rent and utilities included – about $25,300 less a year. Rent and utilities account for most of the difference.

38

Cost of Living Index in Naga
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Naga Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Naga

🇵🇭 Philippines

$558

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Naga and in Austin, TX

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

Monthly costs for one person with rent: $558 in Naga versus $2,663 in Austin, TX.

Naga $558
Austin, TX $2,663

Estimated couple costs with rent: $852 in Naga versus $4,133 in Austin, TX.

Naga $852
Austin, TX $4,133

Monthly costs for a family of three with rent: $1,147 in Naga versus $5,603 in Austin, TX.

Naga $1,147
Austin, TX $5,603

Living in Naga costs roughly 79% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Naga is 59% below, Austin, TX is 97% above.

Meal at Budget Restaurant

$5.26 ₱331

$20.77 $20.77

-74.68%

Three-Course Dinner for Two, Mid-Range

$13.42 ₱845

$84.6 $84.6

-84.14%

Fast Food Meal (McDonalds, etc)

$2.70 ₱170

$12.32 $12.32

-78.08%

Cappuccino

$2.67 ₱168

$5.63 $5.63

-52.58%

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

$0.71 ₱44.50

$3.72 $3.72

-80.91%

Water (0.33 liter bottle)

$0.25 ₱15.80

$2.50 $2.50

-90.00%

Local Beer (0.5 liter draught)

$1.32 ₱83.3

$8.05 $8.05

-83.60%

Imported Beer (0.33 liter bottle)

$3.14 ₱197

$9.01 $9.01

-65.15%

Milk (1 liter)

$1.95 ₱123

$1.12 $1.12

74.11%

White Bread (500g)

$0.85 ₱53.3

$3.75 $3.75

-77.33%

Rice (white) (1kg)

$0.82 ₱51.7

$3.26 $3.26

-74.85%

Eggs

$1.70 ₱107

$4.17 $4.17

-59.23%

Local Cheese (1kg)

$10.19 ₱642

$12.90 $12.90

-21.01%

Chicken Fillets (1kg)

$4.07 ₱256

$14.16 $14.16

-71.26%

Beef Round Steak (1kg)

$6.99 ₱440

$16.22 $16.22

-56.91%

Apples (1kg)

$1.98 ₱125

$4.33 $4.33

-54.27%

Banana (1kg)

$1.63 ₱102

$1.46 $1.46

11.64%

Oranges (1kg)

$2.44 ₱154

$4.51 $4.51

-45.90%

Tomato (1kg)

$2.43 ₱153

$4.34 $4.34

-44.01%

Potato (1kg)

$2.57 ₱162

$2.58 $2.58

-0.39%

Onion (1kg)

$2.22 ₱140

$2.35 $2.35

-5.53%

Lettuce (1 head)

$4.76 ₱300

$1.78 $1.78

167.42%

Water (1.5 liter bottle)

$0.62 ₱39.28

$2.22 $2.22

-72.07%

Cigarettes 20 Pack (Marlboro, Camel)

$2.89 ₱182

$9.88 $9.88

-70.75%

Wine (Bottle)

$3.77 ₱237

$15.08 $15.08

-75.00%

Local Beer (0.5 liter bottle)

$1.61 ₱101

$2.92 $2.92

-44.86%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

Taxi Start (Normal Tariff)

$0.57 ₱36.08

$2.73 $2.73

-79.12%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

Gasoline (1 liter)

$1.26 ₱79.4

$0.95 $0.95

32.63%

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

$36.0K $36.0K

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

$27.1K $27.1K

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

$99.1 ₱6,242

$229 $229

-56.71%

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

$23.41 ₱1,474

$59.4 $59.4

-60.58%

Internet (50+ Mbps, Unlimited Data)

$26.23 ₱1,651

$69.9 $69.9

-62.48%

Gym Membership (Monthly)

$8.07 ₱508

$57.2 $57.2

-85.90%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

Cinema Ticket

$4.80 ₱302

$14.28 $14.28

-66.39%

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

$1,506 $1,506

International Primary School, 1 Child (Yearly)

$8,052 ₱507.0K

$21.5K $21.5K

-62.47%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

Sport Shoes (Adidas, Nike)

$84.8 $84.8

Men's Leather Business Shoes

$103 $103

1-bedroom Apartment, City Center (Monthly)

$158 ₱9,919

$1,907 $1,907

-91.74%

1-bedroom Apartment, Outside City Center (Monthly)

$85.9 ₱5,411

$1,274 $1,274

-93.25%

3-bedroom Apartment, City Center (Monthly)

$251 ₱15.8K

$3,664 $3,664

-93.15%

3-bedroom Apartment, Outside City Center (Monthly)

$194 ₱12.2K

$2,538 $2,538

-92.37%

Buy Apartment in City Center (m2)

$7,614 $7,614

Buy Apartment Outside City Center (m2)

$3,157 $3,157

Average Monthly Net Salary (After Tax)

$145 ₱9,126

$5,121 $5,121

-97.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

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

Last update for Naga: October 12, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Naga

$206 * 36.9%

Austin, TX

$405 15.2% 96.6% $199

Monthly Utilities & Internet

Naga

$149 26.7%

Austin, TX

$358 13.5% 141% $210

Eating Out

Naga

$99 17.7%

Austin, TX

$354 13.3% 258% $255

Accommodation & Living

Naga

$86 15.4%

Austin, TX

$1.3K 47.8% 1383% $1.2K

Sport & Entertainment

Naga

$18 3.2%

Austin, TX

$86 3.2% 386% $68

Getting Around

Naga

$0.6 * 0.1%

Austin, TX

$59 2.2% 10197% $58

Clothing & Footwear

Naga

- * 0%

Austin, TX

$128 4.8%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $158 in Naga and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 3433% 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: $13.00 in Naga vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $206 vs $405 per month, with Naga cheaper across the board.

Good to know

🇵🇭 Naga

🇺🇸 Austin, TX

🕒 Local time

22:01 10:01 PM

09:01 9:01 AM

13 h behind Naga

🌤 Weather

👥 Population

115,750

974,447

💱 Currency

Philippine Peso PHP ₱

United States Dollar USD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

United States Dollar exchange rates as of October 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Naga Austin, TX 13,460 km ≈ 17 h nonstop flight

From you

Naga
Austin, TX

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

Naga vs Austin, TX: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 378% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Naga the obvious pick if budget is a priority.

On paper, salaries run 3433% lower in Austin, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $158 in Naga versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $558 per month in Naga versus $2,663 in Austin, TX – a 378% gap that adds up to real savings over time for anyone picking the cheaper option.

Supermarket bills run roughly 97% higher in Austin, TX. For households that cook at home regularly, that difference adds up over a month.

At $558 in Naga versus $2,663 in Austin, TX, a $2,000 budget is realistic in Naga but tight or insufficient in Austin, TX. The gap between the two cities makes Naga 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, Naga and Austin, TX 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 Naga gentler on the wallet – expenses run 378% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.