Cost of Living Comparison Between Naga and Baguio Cost of Living Comparison Between Naga and Baguio

Monthly Cost of Living

Monthly costs for one person with rent: $770 in Naga versus $788 in Baguio.

Estimated couple costs with rent: $1,117 in Naga versus $1,139 in Baguio.

Monthly costs for a family of three with rent: $1,463 in Naga versus $1,490 in Baguio.

Living in Naga costs roughly 2% less than in Baguio, driven mainly by Groceries & Markets.

Both cities sit below the global median: Naga 43% lower, Baguio 41% lower.

Meal at Budget Restaurant

$3.65 ₱222

$3.57 ₱217

2.24%

Three-Course Dinner for Two, Mid-Range

$17.76 ₱1,078

$13.22 ₱802

34.34%

Fast Food Meal (McDonalds, etc)

$3.40 ₱206

$2.65 ₱161

28.30%

Cappuccino

$2.44 ₱148

$2.36 ₱143

3.39%

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

$0.77 ₱46.49

$0.69 ₱41.93

11.59%

Water (0.33 liter bottle)

$0.40 ₱24.15

$0.37 ₱22.55

8.11%

Local Beer (0.5 liter draught)

$1.37 ₱83.0

$1.44 ₱87.5

-4.86%

Imported Beer (0.33 liter bottle)

$2.15 ₱131

$1.90 ₱115

13.16%

Milk (1 liter)

$1.90 ₱115

$1.89 ₱115

0.53%

White Bread (500g)

$1.27 ₱76.9

$1.23 ₱74.8

3.25%

Rice (white) (1kg)

$0.85 ₱51.4

$1.08 ₱65.3

-21.30%

Eggs

$1.70 ₱103

$2.26 ₱137

-24.78%

Local Cheese (1kg)

$8.00 ₱486

$9.14 ₱555

-12.47%

Chicken Fillets (1kg)

$4.19 ₱255

$3.91 ₱237

7.16%

Beef Round Steak (1kg)

$7.87 ₱478

$8.75 ₱531

-10.06%

Apples (1kg)

$2.86 ₱174

$2.64 ₱160

8.33%

Banana (1kg)

$1.54 ₱93.7

$1.80 ₱109

-14.44%

Oranges (1kg)

$2.58 ₱157

$2.31 ₱140

11.69%

Tomato (1kg)

$1.55 ₱93.9

$1.16 ₱70.2

33.62%

Potato (1kg)

$2.31 ₱140

$1.84 ₱112

25.54%

Onion (1kg)

$2.50 ₱152

$2.29 ₱139

9.17%

Lettuce (1 head)

$1.06 ₱64.3

$0.67 ₱40.39

58.21%

Water (1.5 liter bottle)

$0.73 ₱44.19

$0.76 ₱46.15

-3.95%

Cigarettes 20 Pack (Marlboro, Camel)

$2.52 ₱153

$3.34 ₱203

-24.55%

Wine (Bottle)

$3.80 ₱230

$8.91 ₱541

-57.35%

Local Beer (0.5 liter bottle)

$1.15 ₱69.8

$1.04 ₱63.1

10.58%

Imported Beer (0.33 liter bottle)

$2.04 ₱124

$2.32 ₱141

-12.07%

One-way Ticket (Public Transport)

$0.26 ₱15.58

$0.28 ₱17.11

-7.14%

Public Transport Monthly Pass (Regular Price)

$10.58 ₱642

Taxi Start (Normal Tariff)

$0.84 ₱51.0

$0.85 ₱51.7

-1.18%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.27

$0.22 ₱13.32

Taxi 1hour Waiting (Normal Tariff)

$2.07 ₱126

$2.36 ₱143

-12.29%

Gasoline (1 liter)

$1.15 ₱69.9

$1.10 ₱67.1

4.55%

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

$27.0K ₱1.6M

$31.9K ₱1.9M

-15.47%

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

$20.2K ₱1.2M

$20.5K ₱1.2M

-1.44%

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

$110 ₱6,701

$146 ₱8,846

-24.25%

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

$32.14 ₱1,951

$35.30 ₱2,143

-8.95%

Internet (50+ Mbps, Unlimited Data)

$26.84 ₱1,630

$26.09 ₱1,584

2.87%

Gym Membership (Monthly)

$33.57 ₱2,038

$21.90 ₱1,330

53.29%

Tennis Court (1 Hour on Weekend)

$4.05 ₱246

Cinema Ticket

$5.92 ₱359

$5.82 ₱353

1.72%

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

$152 ₱9,242

$154 ₱9,378

-1.45%

International Primary School, 1 Child (Yearly)

$4,349 ₱264.1K

$4,658 ₱282.9K

-6.65%

Jeans (Levis 501 Or Similar)

$46.62 ₱2,831

$48.66 ₱2,955

-4.19%

Summer Dress (H&M, Zara, etc)

$26.17 ₱1,589

$28.00 ₱1,700

-6.54%

Sport Shoes (Adidas, Nike)

$74.8 ₱4,544

$76.2 ₱4,624

-1.75%

Men's Leather Business Shoes

$53.3 ₱3,236

$46.62 ₱2,831

14.33%

1-bedroom Apartment, City Center (Monthly)

$262 ₱15.9K

$340 ₱20.7K

-23.00%

1-bedroom Apartment, Outside City Center (Monthly)

$174 ₱10.6K

$142 ₱8,635

22.59%

3-bedroom Apartment, City Center (Monthly)

$326 ₱19.8K

$552 ₱33.5K

-40.85%

3-bedroom Apartment, Outside City Center (Monthly)

$268 ₱16.3K

$264 ₱16.1K

1.49%

Buy Apartment in City Center (m2)

$2,390 ₱145.1K

Buy Apartment Outside City Center (m2)

$933 ₱56.7K

Average Monthly Net Salary (After Tax)

$145 ₱8,823

$184 ₱11.2K

-21.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

4.5

48.22%

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

Last update for Naga: June 8, 2026

Last update for Baguio: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $262 in Naga and $340 in Baguio. Housing cost is often the main lever when comparing two cities.

Baguio pays 27% 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: $18.00 in Naga vs $13.00 in Baguio. Groceries flip the comparison at $194 vs $206, with Naga cheaper for home cooking.

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 Baguio: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 2% lower than in Baguio. Housing and daily spending are where you'll feel the difference most, making Naga the obvious pick if budget is a priority.

On paper, Baguio earns 27% less. 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: $262 in Naga versus $340 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 6% higher in Baguio. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $770 per month in Naga versus $788 in Baguio – a 2% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Naga gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Baguio 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 2% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.