Last update: Oct 2026

Cost of Living Comparison Between Naga and Makati

For one person, living is cheaper in Naga: $552 a month against $1,230 in Makati, rent and utilities included – about $8,100 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Makati
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Makati Living Index

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Naga

🇵🇭 Philippines

$552

/mo nomad

Makati

🇵🇭 Philippines

$1,230

/mo nomad

Monthly Cost of Living

How much you'll spend in Naga and in Makati

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

Monthly costs for one person with rent: $552 in Naga versus $1,230 in Makati.

Naga $552
Makati $1,230

Estimated couple costs with rent: $845 in Naga versus $2,137 in Makati.

Naga $845
Makati $2,137

Monthly costs for a family of three with rent: $1,138 in Naga versus $3,044 in Makati.

Naga $1,138
Makati $3,044

Living in Naga costs roughly 55% less than in Makati, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Naga 59% lower, Makati 10% lower.

Meal at Budget Restaurant

$5.10 ₱325

$6.40 ₱408

-20.31%

Three-Course Dinner for Two, Mid-Range

$13.37 ₱852

$38.45 ₱2,450

-65.23%

Fast Food Meal (McDonalds, etc)

$2.77 ₱176

$4.78 ₱305

-42.05%

Cappuccino

$2.74 ₱175

$2.59 ₱165

5.79%

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

$0.67 ₱42.78

$1.09 ₱69.7

-38.53%

Water (0.33 liter bottle)

$0.22 ₱13.99

$0.49 ₱31.30

-55.10%

Local Beer (0.5 liter draught)

$1.31 ₱83.2

$2.39 ₱152

-45.19%

Imported Beer (0.33 liter bottle)

$3.09 ₱197

$3.18 ₱202

-2.83%

Milk (1 liter)

$1.95 ₱124

$1.80 ₱115

8.33%

White Bread (500g)

$0.80 ₱50.9

$1.26 ₱80.6

-36.51%

Rice (white) (1kg)

$0.77 ₱49.14

$1.03 ₱65.7

-25.24%

Eggs

$1.68 ₱107

$2.37 ₱151

-29.11%

Local Cheese (1kg)

$10.06 ₱641

$6.91 ₱440

45.59%

Chicken Fillets (1kg)

$4.12 ₱263

$4.93 ₱314

-16.43%

Beef Round Steak (1kg)

$6.84 ₱436

$6.74 ₱430

1.48%

Apples (1kg)

$1.90 ₱121

$4.12 ₱262

-53.88%

Banana (1kg)

$1.66 ₱106

$1.90 ₱121

-12.63%

Oranges (1kg)

$2.41 ₱154

$3.19 ₱203

-24.45%

Tomato (1kg)

$2.37 ₱151

$2.25 ₱143

5.33%

Potato (1kg)

$2.53 ₱161

$3.55 ₱226

-28.73%

Onion (1kg)

$2.21 ₱141

$3.50 ₱223

-36.86%

Lettuce (1 head)

$4.63 ₱295

$1.07 ₱67.9

332.71%

Water (1.5 liter bottle)

$0.60 ₱38.27

$1.13 ₱71.7

-46.90%

Cigarettes 20 Pack (Marlboro, Camel)

$2.76 ₱176

$2.60 ₱165

6.15%

Wine (Bottle)

$3.77 ₱240

$7.85 ₱500

-51.97%

Local Beer (0.5 liter bottle)

$1.53 ₱97.3

$1.29 ₱82.3

18.60%

Imported Beer (0.33 liter bottle)

$1.93 ₱123

One-way Ticket (Public Transport)

$0.88 ₱56.3

Public Transport Monthly Pass (Regular Price)

$56.3 ₱3,585

Taxi Start (Normal Tariff)

$0.58 ₱36.73

$0.65 ₱41.48

-10.77%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.34

Taxi 1hour Waiting (Normal Tariff)

$1.90 ₱121

Gasoline (1 liter)

$1.19 ₱75.8

$1.28 ₱81.4

-7.03%

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

$20.8K ₱1.3M

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

$18.9K ₱1.2M

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

$97.7 ₱6,226

$151 ₱9,643

-35.44%

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

$23.84 ₱1,519

$15.59 ₱993

52.92%

Internet (50+ Mbps, Unlimited Data)

$25.59 ₱1,631

$31.38 ₱1,999

-18.45%

Gym Membership (Monthly)

$7.73 ₱493

$53.3 ₱3,394

-85.49%

Tennis Court (1 Hour on Weekend)

$14.04 ₱895

Cinema Ticket

$4.80 ₱306

$7.22 ₱460

-33.52%

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

$776 ₱49.4K

International Primary School, 1 Child (Yearly)

$7,801 ₱497.0K

$7,391 ₱471.0K

5.54%

Jeans (Levis 501 Or Similar)

$59.9 ₱3,816

Summer Dress (H&M, Zara, etc)

$36.96 ₱2,355

Sport Shoes (Adidas, Nike)

$81.0 ₱5,163

Men's Leather Business Shoes

$101 ₱6,429

1-bedroom Apartment, City Center (Monthly)

$158 ₱10.1K

$829 ₱52.8K

-80.90%

1-bedroom Apartment, Outside City Center (Monthly)

$85.9 ₱5,473

$429 ₱27.3K

-79.96%

3-bedroom Apartment, City Center (Monthly)

$240 ₱15.3K

$2,151 ₱137.0K

-88.83%

3-bedroom Apartment, Outside City Center (Monthly)

$195 ₱12.4K

$1,308 ₱83.4K

-85.08%

Buy Apartment in City Center (m2)

$5,714 ₱364.1K

Buy Apartment Outside City Center (m2)

$3,568 ₱227.4K

Average Monthly Net Salary (After Tax)

$138 ₱8,819

$587 ₱37.4K

-76.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.5

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

Last update for Naga: October 26, 2026

Last update for Makati: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Naga

–

Makati

$429 34.8%

Groceries & Markets

Naga

–

Makati

$227 18.5%

Monthly Utilities & Internet

Naga

–

Makati

$198 16.1%

Clothing & Footwear

Naga

–

Makati

$125 10.2%

Eating Out

Naga

–

Makati

$121 9.9%

Sport & Entertainment

Naga

–

Makati

$68 5.5%

Getting Around

Naga

–

Makati

$61 5%

Cost Breakdown

A one-bedroom apartment in the center runs $158 in Naga and $829 in Makati. Housing cost is often the main lever when comparing two cities.

Makati pays about 4.2 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $13 in Naga vs $38 in Makati for a mid-range dinner for two. Groceries echo the gap at $202 vs $227 per month, with Naga cheaper across the board.

Good to know

🇵🇭 Naga

🇵🇭 Makati

🕒 Local time

02:16 2:16 AM

Same time as Naga

🌤 Weather

👥 Population

115,750

582,602

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Naga Makati 260 km

From you

Naga
Makati

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 Makati: Cost of Living - Frequently Asked Questions

Naga wins on cost – living expenses run 55% lower than in Makati. 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 76% 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 $829 in Makati. 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 $1,230 in Makati – Naga is about 55% cheaper, which adds up to real savings over time.

Supermarket bills run roughly 12% higher in Makati. For households that cook at home regularly, that difference adds up over a month.

At $552 in Naga versus $1,230 in Makati, a $1,200 budget is realistic in Naga but tight or insufficient in Makati. 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 Makati are both considered safe, so it’s unlikely to be the deciding factor between them.

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