Last update: Oct 2026

Cost of Living Comparison Between Naga and Baguio

For one person, living is cheaper in Naga: $552 a month against $737 in Baguio, rent and utilities included – about $2,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Baguio
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Baguio Living Index

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Naga

🇵🇭 Philippines

$552

/mo nomad

Baguio

🇵🇭 Philippines

$737

/mo nomad

Monthly Cost of Living

How much you'll spend in Naga and in Baguio

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 Baguio actually costs, broken down by who's living it.

Monthly costs for one person with rent: $552 in Naga versus $737 in Baguio.

Naga $552
Baguio $737

Estimated couple costs with rent: $845 in Naga versus $1,148 in Baguio.

Naga $845
Baguio $1,148

Monthly costs for a family of three with rent: $1,138 in Naga versus $1,558 in Baguio.

Naga $1,138
Baguio $1,558

Living in Naga costs roughly 25% less than in Baguio, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Naga 59% lower, Baguio 46% lower.

Meal at Budget Restaurant

$5.10 ₱326

$3.92 ₱251

30.10%

Three-Course Dinner for Two, Mid-Range

$13.37 ₱855

$16.66 ₱1,066

-19.75%

Fast Food Meal (McDonalds, etc)

$2.77 ₱177

$2.73 ₱175

1.47%

Cappuccino

$2.74 ₱175

$1.80 ₱115

52.22%

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

$0.67 ₱42.96

$0.55 ₱35.26

21.82%

Water (0.33 liter bottle)

$0.22 ₱14.05

$0.33 ₱21.31

-33.33%

Local Beer (0.5 liter draught)

$1.31 ₱83.6

$0.99 ₱63.7

32.32%

Imported Beer (0.33 liter bottle)

$3.09 ₱198

$1.54 ₱98.3

100.65%

Milk (1 liter)

$1.95 ₱125

$1.59 ₱102

22.64%

White Bread (500g)

$0.80 ₱51.1

$1.14 ₱73.2

-29.82%

Rice (white) (1kg)

$0.77 ₱49.35

$0.97 ₱61.8

-20.62%

Eggs

$1.68 ₱107

$1.99 ₱127

-15.58%

Local Cheese (1kg)

$10.06 ₱644

$5.11 ₱327

96.87%

Chicken Fillets (1kg)

$4.12 ₱264

$3.27 ₱209

25.99%

Beef Round Steak (1kg)

$6.84 ₱438

$7.63 ₱488

-10.35%

Apples (1kg)

$1.90 ₱122

$2.19 ₱140

-13.24%

Banana (1kg)

$1.66 ₱106

$1.55 ₱99.5

7.10%

Oranges (1kg)

$2.41 ₱154

$2.26 ₱144

6.64%

Tomato (1kg)

$2.37 ₱152

$1.02 ₱65.2

132.35%

Potato (1kg)

$2.53 ₱162

$1.73 ₱110

46.24%

Onion (1kg)

$2.21 ₱142

$1.69 ₱108

30.77%

Lettuce (1 head)

$4.63 ₱296

$0.65 ₱41.30

612.31%

Water (1.5 liter bottle)

$0.60 ₱38.44

$0.51 ₱32.80

17.65%

Cigarettes 20 Pack (Marlboro, Camel)

$2.76 ₱177

$2.94 ₱188

-6.12%

Wine (Bottle)

$3.77 ₱241

$8.50 ₱544

-55.65%

Local Beer (0.5 liter bottle)

$1.53 ₱97.7

$0.95 ₱60.6

61.05%

Imported Beer (0.33 liter bottle)

$2.05 ₱131

One-way Ticket (Public Transport)

$0.22 ₱14.07

Public Transport Monthly Pass (Regular Price)

$12.90 ₱826

Taxi Start (Normal Tariff)

$0.58 ₱36.88

$0.81 ₱52.0

-28.40%

Taxi (Normal Tariff) (1km)

$0.24 ₱15.42

Taxi 1hour Waiting (Normal Tariff)

$1.90 ₱122

Gasoline (1 liter)

$1.19 ₱76.1

$1.19 ₱76.3

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

$21.3K ₱1.4M

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

$18.8K ₱1.2M

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

$97.7 ₱6,252

$136 ₱8,697

-28.11%

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

$23.84 ₱1,525

$17.08 ₱1,093

39.58%

Internet (50+ Mbps, Unlimited Data)

$25.59 ₱1,638

$23.01 ₱1,472

11.21%

Gym Membership (Monthly)

$7.73 ₱495

$20.76 ₱1,328

-62.76%

Tennis Court (1 Hour on Weekend)

$5.23 ₱335

Cinema Ticket

$4.80 ₱307

$5.03 ₱322

-4.57%

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

$132 ₱8,478

International Primary School, 1 Child (Yearly)

$7,801 ₱499.1K

$10.6K ₱675.2K

-26.07%

Jeans (Levis 501 Or Similar)

$28.91 ₱1,850

Summer Dress (H&M, Zara, etc)

$19.53 ₱1,249

Sport Shoes (Adidas, Nike)

$71.5 ₱4,575

Men's Leather Business Shoes

$54.9 ₱3,512

1-bedroom Apartment, City Center (Monthly)

$158 ₱10.1K

$393 ₱25.2K

-59.76%

1-bedroom Apartment, Outside City Center (Monthly)

$85.9 ₱5,496

$192 ₱12.3K

-55.32%

3-bedroom Apartment, City Center (Monthly)

$240 ₱15.4K

$819 ₱52.4K

-70.66%

3-bedroom Apartment, Outside City Center (Monthly)

$195 ₱12.5K

$463 ₱29.6K

-57.81%

Buy Apartment in City Center (m2)

$3,156 ₱201.9K

Buy Apartment Outside City Center (m2)

$1,526 ₱97.6K

Average Monthly Net Salary (After Tax)

$138 ₱8,856

$179 ₱11.5K

-22.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

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

Last update for Naga: October 26, 2026

Last update for Baguio: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Naga

–

Baguio

$192 26.1%

Monthly Utilities & Internet

Naga

–

Baguio

$176 23.9%

Groceries & Markets

Naga

–

Baguio

$171 23.2%

Clothing & Footwear

Naga

–

Baguio

$79 10.7%

Eating Out

Naga

–

Baguio

$73 9.9%

Sport & Entertainment

Naga

–

Baguio

$31 4.2%

Getting Around

Naga

–

Baguio

$16 2.1%

Cost Breakdown

A one-bedroom apartment in the center runs $158 in Naga and $393 in Baguio. Housing cost is often the main lever when comparing two cities.

Baguio pays 29% 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 in Naga vs $17 in Baguio. Groceries flip the comparison at $202 vs $171, with Baguio cheaper for home cooking.

Good to know

🇵🇭 Naga

🇵🇭 Baguio

🕒 Local time

19:12 7:12 PM

Same time as Naga

🌤 Weather

👥 Population

115,750

366,358

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Naga Baguio 420 km

From you

Naga
Baguio

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 Baguio: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 25% 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, salaries run 23% lower in Naga. 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 $393 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $552 per month in Naga versus $737 in Baguio – a 34% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Baguio pay roughly 15% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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.

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.