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: $779 in Naga versus $779 in Baguio.

Estimated couple costs with rent: $1,145 in Naga versus $1,147 in Baguio.

Monthly costs for a family of three with rent: $1,510 in Naga versus $1,514 in Baguio.

Monthly costs are close between Naga and Baguio; which city is cheaper depends on the spending category.

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

Meal at Budget Restaurant

$3.45 ₱212

$3.63 ₱223

-4.96%

Three-Course Dinner for Two, Mid-Range

$18.03 ₱1,107

$13.43 ₱825

34.25%

Fast Food Meal (McDonalds, etc)

$3.29 ₱202

$2.69 ₱165

22.30%

Cappuccino

$2.46 ₱151

$2.36 ₱145

4.24%

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

$0.83 ₱50.9

$0.66 ₱40.50

25.76%

Water (0.33 liter bottle)

$0.37 ₱22.43

$0.38 ₱23.03

-2.63%

Local Beer (0.5 liter draught)

$1.36 ₱83.6

$1.39 ₱85.1

-2.16%

Imported Beer (0.33 liter bottle)

$2.17 ₱133

$1.94 ₱119

11.86%

Milk (1 liter)

$1.90 ₱117

$1.82 ₱112

4.40%

White Bread (500g)

$1.27 ₱77.9

$1.21 ₱74.1

4.96%

Rice (white) (1kg)

$0.86 ₱52.9

$1.07 ₱66.0

-19.63%

Eggs

$1.72 ₱105

$2.28 ₱140

-24.56%

Local Cheese (1kg)

$8.23 ₱506

$9.14 ₱561

-9.96%

Chicken Fillets (1kg)

$4.20 ₱258

$3.87 ₱238

8.53%

Beef Round Steak (1kg)

$7.50 ₱460

$8.46 ₱519

-11.35%

Apples (1kg)

$2.90 ₱178

$2.75 ₱169

5.45%

Banana (1kg)

$1.57 ₱96.6

$1.84 ₱113

-14.67%

Oranges (1kg)

$2.70 ₱166

$2.37 ₱145

13.92%

Tomato (1kg)

$1.55 ₱95.4

$1.16 ₱71.1

33.62%

Potato (1kg)

$2.32 ₱142

$1.82 ₱112

27.47%

Onion (1kg)

$2.54 ₱156

$2.27 ₱139

11.89%

Lettuce (1 head)

$1.06 ₱65.1

$0.68 ₱42.04

55.88%

Water (1.5 liter bottle)

$0.76 ₱46.86

$0.72 ₱44.51

5.56%

Cigarettes 20 Pack (Marlboro, Camel)

$2.60 ₱159

$3.36 ₱206

-22.62%

Wine (Bottle)

$3.85 ₱237

$9.18 ₱563

-58.06%

Local Beer (0.5 liter bottle)

$1.21 ₱74.2

$1.08 ₱66.3

12.04%

Imported Beer (0.33 liter bottle)

$1.97 ₱121

$2.27 ₱139

-13.22%

One-way Ticket (Public Transport)

$0.28 ₱17.38

$0.28 ₱17.40

Public Transport Monthly Pass (Regular Price)

$10.43 ₱641

Taxi Start (Normal Tariff)

$0.81 ₱49.87

$0.86 ₱52.8

-5.81%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.47

$0.22 ₱13.42

Taxi 1hour Waiting (Normal Tariff)

$2.08 ₱128

$2.44 ₱150

-14.75%

Gasoline (1 liter)

$1.11 ₱67.9

$1.12 ₱68.6

-0.89%

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

$26.9K ₱1.7M

$32.2K ₱2.0M

-16.63%

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

$20.2K ₱1.2M

$20.6K ₱1.3M

-1.91%

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

$113 ₱6,937

$149 ₱9,136

-24.07%

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

$32.32 ₱1,985

$34.55 ₱2,121

-6.45%

Internet (50+ Mbps, Unlimited Data)

$26.39 ₱1,620

$26.35 ₱1,618

0.15%

Gym Membership (Monthly)

$34.42 ₱2,114

$21.84 ₱1,341

57.60%

Tennis Court (1 Hour on Weekend)

$4.07 ₱250

Cinema Ticket

$5.76 ₱354

$5.87 ₱360

-1.87%

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

$153 ₱9,418

$149 ₱9,137

3.08%

International Primary School, 1 Child (Yearly)

$4,369 ₱268.2K

$4,683 ₱287.5K

-6.72%

Jeans (Levis 501 Or Similar)

$45.11 ₱2,770

$47.86 ₱2,939

-5.75%

Summer Dress (H&M, Zara, etc)

$27.01 ₱1,659

$27.14 ₱1,666

-0.48%

Sport Shoes (Adidas, Nike)

$75.4 ₱4,630

$75.3 ₱4,622

0.17%

Men's Leather Business Shoes

$53.7 ₱3,299

$46.11 ₱2,831

16.53%

1-bedroom Apartment, City Center (Monthly)

$267 ₱16.4K

$336 ₱20.6K

-20.62%

1-bedroom Apartment, Outside City Center (Monthly)

$173 ₱10.6K

$142 ₱8,704

22.25%

3-bedroom Apartment, City Center (Monthly)

$323 ₱19.8K

$556 ₱34.1K

-41.87%

3-bedroom Apartment, Outside City Center (Monthly)

$266 ₱16.3K

$262 ₱16.1K

1.46%

Buy Apartment in City Center (m2)

$2,408 ₱147.8K

Buy Apartment Outside City Center (m2)

$919 ₱56.4K

Average Monthly Net Salary (After Tax)

$147 ₱9,033

$188 ₱11.5K

-21.62%

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: July 26, 2026

Last update for Baguio: July 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $267 in Naga and $336 in Baguio. Housing cost is often the main lever when comparing two cities.

Baguio pays 28% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $18.00 in Naga vs $13.00 in Baguio. Groceries flip the comparison at $196 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

On paper, salaries run 28% lower in Baguio. 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: $267 in Naga versus $336 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% higher in Baguio. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Naga – a meal for two runs $18.00 versus $13.00 in Baguio. If you eat out regularly, this makes a real dent in your monthly spending.

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.

It comes down to priorities – Naga wins on affordability, Baguio on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.