Cost of Living Comparison Between Panglao and Kharkiv Cost of Living Comparison Between Panglao and Kharkiv

Monthly Cost of Living

A single person spends $821 per month in Panglao vs $690 in Kharkiv, rent included.

A couple spends around $1,231 per month in Panglao vs $1,069 in Kharkiv, rent included.

A family of three spends $1,641 per month in Panglao vs $1,448 in Kharkiv, rent included.

Panglao costs about 19% more than Kharkiv, driven mainly by Groceries & Markets.

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

Meal at Budget Restaurant

$4.49 ₱277

$7.36 ₴326

-38.99%

Three-Course Dinner for Two, Mid-Range

$12.16 ₱750

$27.16 ₴1,203

-55.23%

Fast Food Meal (McDonalds, etc)

$4.32 ₱266

$6.15 ₴272

-29.76%

Cappuccino

$2.59 ₱160

$1.35 ₴59.6

91.85%

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

$0.83 ₱51.1

$0.61 ₴26.81

36.07%

Water (0.33 liter bottle)

$0.28 ₱17.39

$0.41 ₴18.06

-31.71%

Local Beer (0.5 liter draught)

$1.47 ₱90.7

$1.02 ₴45.32

44.12%

Imported Beer (0.33 liter bottle)

$1.86 ₱115

$1.49 ₴66.2

24.83%

Milk (1 liter)

$1.75 ₱108

$1.10 ₴48.74

59.09%

White Bread (500g)

$1.09 ₱67.3

$0.57 ₴25.30

91.23%

Rice (white) (1kg)

$1.09 ₱67.3

$1.24 ₴54.9

-12.10%

Eggs

$2.01 ₱124

$1.55 ₴68.8

29.68%

Local Cheese (1kg)

$9.48 ₱585

$7.98 ₴354

18.80%

Chicken Fillets (1kg)

$5.35 ₱330

$4.01 ₴178

33.42%

Beef Round Steak (1kg)

$7.68 ₱473

$6.72 ₴298

14.29%

Apples (1kg)

$2.08 ₱128

$0.85 ₴37.56

144.71%

Banana (1kg)

$1.51 ₱92.9

$1.62 ₴71.8

-6.79%

Oranges (1kg)

$2.07 ₱128

$1.85 ₴81.9

11.89%

Tomato (1kg)

$1.89 ₱117

$2.25 ₴99.6

-16.00%

Potato (1kg)

$2.67 ₱165

$0.61 ₴27.16

337.70%

Onion (1kg)

$2.57 ₱158

$0.56 ₴24.76

358.93%

Lettuce (1 head)

$1.00 ₱61.8

$1.03 ₴45.68

-2.91%

Water (1.5 liter bottle)

$0.47 ₱29.01

$0.54 ₴24.07

-12.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.59 ₱160

$2.57 ₴114

0.78%

Wine (Bottle)

$5.34 ₱329

$4.52 ₴200

18.14%

Local Beer (0.5 liter bottle)

$0.88 ₱54.4

$0.75 ₴33.41

17.33%

Imported Beer (0.33 liter bottle)

$1.73 ₱106

$1.25 ₴55.6

38.40%

One-way Ticket (Public Transport)

$0.26 ₱15.99

$0.35 ₴15.46

-25.71%

Taxi Start (Normal Tariff)

$0.89 ₱54.7

$1.43 ₴63.3

-37.76%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.16

$0.25 ₴11.12

-8.00%

Taxi 1hour Waiting (Normal Tariff)

$2.60 ₱161

$2.84 ₴126

-8.45%

Gasoline (1 liter)

$1.08 ₱66.4

$1.34 ₴59.5

-19.40%

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

$29.9K ₱1.8M

$26.8K ₴1.2M

11.28%

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

$27.0K ₱1.7M

$23.9K ₴1.1M

13.25%

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

$98.5 ₱6,073

$114 ₴5,061

-13.78%

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

$8.94 ₱552

$5.60 ₴248

59.64%

Internet (50+ Mbps, Unlimited Data)

$27.02 ₱1,666

$6.05 ₴268

346.61%

Gym Membership (Monthly)

$14.78 ₱912

$24.93 ₴1,105

-40.71%

Tennis Court (1 Hour on Weekend)

$4.31 ₱266

$15.88 ₴704

-72.86%

Cinema Ticket

$4.49 ₱277

$4.88 ₴216

-7.99%

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

$230 ₱14.2K

$350 ₴15.5K

-34.33%

International Primary School, 1 Child (Yearly)

$3,876 ₱239.0K

$3,174 ₴140.6K

22.11%

Jeans (Levis 501 Or Similar)

$46.05 ₱2,840

$56.0 ₴2,482

-17.78%

Summer Dress (H&M, Zara, etc)

$22.63 ₱1,395

$40.66 ₴1,802

-44.34%

Sport Shoes (Adidas, Nike)

$75.6 ₱4,663

$83.8 ₴3,712

-9.76%

Men's Leather Business Shoes

$54.0 ₱3,327

$105 ₴4,637

-48.44%

1-bedroom Apartment, City Center (Monthly)

$327 ₱20.1K

$183 ₴8,086

79.03%

1-bedroom Apartment, Outside City Center (Monthly)

$280 ₱17.3K

$131 ₴5,825

113.28%

3-bedroom Apartment, City Center (Monthly)

$704 ₱43.4K

$362 ₴16.1K

94.40%

3-bedroom Apartment, Outside City Center (Monthly)

$500 ₱30.8K

$241 ₴10.7K

107.58%

Buy Apartment in City Center (m2)

$960 ₱59.2K

$1,065 ₴47.2K

-9.81%

Buy Apartment Outside City Center (m2)

$873 ₱53.8K

$592 ₴26.2K

47.56%

Average Monthly Net Salary (After Tax)

$131 ₱8,088

$493 ₴21.8K

-73.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

-52.94%

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

Last update for Panglao: June 1, 2026

Last update for Kharkiv: May 31, 2026

Cost Breakdown

A central one-bedroom costs $327 in Panglao versus $183 in Kharkiv. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 276% higher in Kharkiv, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $12.00 in Panglao versus $27.00 in Kharkiv. Groceries tell a different story – $198 in Panglao vs $154 in Kharkiv – so Kharkiv wins on supermarket bills even if dining out costs more.

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, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,232 per month in Panglao and $1,035 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 $12.00 in Panglao and $27.00 in Kharkiv. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 29% 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 $821 in Panglao and $690 in Kharkiv, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Kharkiv costs $690 versus $821 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.