Last update: Oct 2026

Cost of Living Comparison Between Panglao and Kharkiv

For one person, living is cheaper in Kharkiv: $689 a month against $817 in Panglao, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Panglao outweigh lower spending on other living expenses.

40

Cost of Living Index in Panglao
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Panglao Living Index
33

Cost of Living Index in Kharkiv
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Kharkiv Living Index

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Panglao

🇵🇭 Philippines

$817

/mo nomad

Kharkiv

🇺🇦 Ukraine

$689

/mo nomad

Monthly Cost of Living

How much you'll spend in Panglao and in Kharkiv

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

A single person spends $817 per month in Panglao vs $689 in Kharkiv, rent included.

Panglao $817
Kharkiv $689

A couple spends around $1,137 per month in Panglao vs $1,063 in Kharkiv, rent included.

Panglao $1,137
Kharkiv $1,063

A family of three spends $1,456 per month in Panglao vs $1,437 in Kharkiv, rent included.

Panglao $1,456
Kharkiv $1,437

Panglao costs about 19% more than Kharkiv, and outside of rent the biggest gap is in clothing.

Both Panglao and Kharkiv are more affordable than the global median – Panglao 39% lower, Kharkiv 49% lower.

Meal at Budget Restaurant

$3.08 ₱194

$6.79 ₴305

-54.64%

Three-Course Dinner for Two, Mid-Range

$23.75 ₱1,495

$30.48 ₴1,368

-22.08%

Fast Food Meal (McDonalds, etc)

$3.94 ₱248

$4.97 ₴223

-20.72%

Cappuccino

$2.27 ₱143

$1.66 ₴74.7

36.75%

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

$1.60 ₱101

$1.06 ₴47.37

50.94%

Water (0.33 liter bottle)

$0.53 ₱33.19

$0.51 ₴22.77

3.92%

Local Beer (0.5 liter draught)

$1.55 ₱97.6

$1.01 ₴45.48

53.47%

Imported Beer (0.33 liter bottle)

$1.90 ₱119

$1.63 ₴73.0

16.56%

Milk (1 liter)

$1.59 ₱100

$1.14 ₴51.2

39.47%

White Bread (500g)

$1.13 ₱70.9

$0.70 ₴31.33

61.43%

Rice (white) (1kg)

$0.94 ₱59.2

$1.24 ₴55.6

-24.19%

Eggs

$1.79 ₱113

$1.73 ₴77.9

3.47%

Local Cheese (1kg)

$8.58 ₱540

$8.45 ₴379

1.54%

Chicken Fillets (1kg)

$4.61 ₱290

$4.10 ₴184

12.44%

Beef Round Steak (1kg)

$7.62 ₱480

$7.11 ₴319

7.17%

Apples (1kg)

$1.92 ₱121

$1.41 ₴63.4

36.17%

Banana (1kg)

$1.39 ₱87.5

$1.59 ₴71.2

-12.58%

Oranges (1kg)

$1.87 ₱118

$1.68 ₴75.2

11.31%

Tomato (1kg)

$1.53 ₱96.1

$2.13 ₴95.8

-28.17%

Potato (1kg)

$2.41 ₱152

$0.71 ₴31.74

239.44%

Onion (1kg)

$1.96 ₱123

$0.52 ₴23.55

276.92%

Lettuce (1 head)

$1.14 ₱71.8

$1.21 ₴54.2

-5.79%

Water (1.5 liter bottle)

$0.47 ₱29.49

$0.65 ₴29.10

-27.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.91 ₱183

$2.73 ₴122

6.59%

Wine (Bottle)

$5.70 ₱359

$4.56 ₴205

25.00%

Local Beer (0.5 liter bottle)

$0.79 ₱49.65

$0.85 ₴38.07

-7.06%

Imported Beer (0.33 liter bottle)

$1.56 ₱97.9

$1.18 ₴52.8

32.20%

One-way Ticket (Public Transport)

$0.23 ₱14.60

Public Transport Monthly Pass (Regular Price)

$11.32 ₱713

Taxi Start (Normal Tariff)

$0.73 ₱46.14

$1.41 ₴63.4

-48.23%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.34 ₴15.28

-32.35%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱122

$2.19 ₴98.5

-11.42%

Gasoline (1 liter)

$0.90 ₱57.0

$1.76 ₴78.9

-48.86%

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

$21.2K ₱1.3M

$29.7K ₴1.3M

-28.54%

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

$19.2K ₱1.2M

$22.0K ₴986.7K

-12.61%

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

$58.9 ₱3,711

$95.2 ₴4,273

-38.08%

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

$6.75 ₱425

$6.22 ₴279

8.52%

Internet (50+ Mbps, Unlimited Data)

$24.52 ₱1,544

$7.22 ₴324

239.61%

Gym Membership (Monthly)

$20.96 ₱1,320

$22.30 ₴1,001

-6.01%

Tennis Court (1 Hour on Weekend)

$4.71 ₱297

$13.81 ₴620

-65.89%

Cinema Ticket

$3.92 ₱247

$4.67 ₴210

-16.06%

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

$135 ₱8,504

$281 ₴12.6K

-51.87%

International Primary School, 1 Child (Yearly)

$7,988 ₱502.9K

$2,685 ₴120.5K

197.50%

Jeans (Levis 501 Or Similar)

$32.48 ₱2,045

$55.6 ₴2,496

-41.60%

Summer Dress (H&M, Zara, etc)

$19.59 ₱1,233

$42.27 ₴1,897

-53.66%

Sport Shoes (Adidas, Nike)

$66.4 ₱4,183

$92.0 ₴4,129

-27.77%

Men's Leather Business Shoes

$47.63 ₱2,999

$103 ₴4,618

-53.70%

1-bedroom Apartment, City Center (Monthly)

$280 ₱17.7K

$239 ₴10.7K

17.51%

1-bedroom Apartment, Outside City Center (Monthly)

$343 ₱21.6K

$147 ₴6,589

133.69%

3-bedroom Apartment, City Center (Monthly)

$567 ₱35.7K

$521 ₴23.4K

8.81%

3-bedroom Apartment, Outside City Center (Monthly)

$390 ₱24.6K

$204 ₴9,136

91.83%

Buy Apartment in City Center (m2)

$947 ₱59.6K

$1,057 ₴47.4K

-10.42%

Buy Apartment Outside City Center (m2)

$1,014 ₱63.8K

$583 ₴26.2K

73.79%

Average Monthly Net Salary (After Tax)

$525 ₴23.6K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

17.89

-59.75%

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

Last update for Panglao: October 11, 2026

Last update for Kharkiv: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Panglao

$343 42%

Kharkiv

$147 21.3% 57.2% $196

Groceries & Markets

Panglao

$183 22.3%

Kharkiv

$163 23.7% 10.8% $20

Monthly Utilities & Internet

Panglao

$90 11%

Kharkiv

$109 15.8% 20.4% $18

Eating Out

Panglao

$84 10.3%

Kharkiv

$104 15.1% 23.9% $20

Clothing & Footwear

Panglao

$75 9.2%

Kharkiv

$132 19.1% 76.2% $57

Sport & Entertainment

Panglao

$29 3.5%

Kharkiv

$32 4.6% 9.9% $2.8

Getting Around

Panglao

$14 1.7%

Kharkiv

$3.1 * 0.5% 77.9% $11

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

Cost Breakdown

A central one-bedroom costs $280 in Panglao versus $239 in Kharkiv. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $24.00 in Panglao versus $30.00 in Kharkiv. Groceries tell a different story – $183 in Panglao vs $163 in Kharkiv – so Kharkiv wins on supermarket bills even if dining out costs more.

Good to know

🇵🇭 Panglao

🇺🇦 Kharkiv

🕒 Local time

03:59 3:59 AM

22:59 10:59 PM

5 h behind Panglao

🌤 Weather

👥 Population

39,839

1,447,652

💱 Currency

Philippine Peso PHP ₱

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

UAH, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Ukrainian Hryvnia exchange rates as of October 17, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.47 UAH (100 UAH = 1.98 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Panglao Kharkiv 9,020 km ≈ 12 h nonstop flight

From you

Panglao
Kharkiv

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

Panglao vs Kharkiv: Cost of Living - Frequently Asked Questions

Panglao costs about 19% more than Kharkiv, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,226 per month in Panglao and $1,033 in Kharkiv. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kharkiv, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $24.00 in Panglao and $30.00 in Kharkiv. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 12% more in Panglao, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$800 covers both cities comfortably – all-in costs are $817 in Panglao and $689 in Kharkiv, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $689 versus $817 in Panglao. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Kharkiv. If higher salaries, better infrastructure, or specific career opportunities are the priority, Panglao makes more sense. Both are solid long-term options with distinct trade-offs.