Last update: Oct 2026

Cost of Living Comparison Between Santa Cruz, Laguna and Baguio

For one person, living is cheaper in Santa Cruz, Laguna: $616 a month against $737 in Baguio, rent and utilities included – about $1,500 less a year. Rent and utilities account for most of the difference.

30

Cost of Living Index in Santa Cruz, Laguna
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Santa Cruz, Laguna Living Index
36

Cost of Living Index in Baguio
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Baguio Living Index

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Santa Cruz, Laguna

🇵🇭 Philippines

$616

/mo nomad

Baguio

🇵🇭 Philippines

$737

/mo nomad

Monthly Cost of Living

How much you'll spend in Santa Cruz, Laguna 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 Santa Cruz, Laguna and in Baguio actually costs, broken down by who's living it.

Monthly costs for one person with rent: $616 in Santa Cruz, Laguna versus $737 in Baguio.

Santa Cruz, Laguna $616
Baguio $737

Estimated couple costs with rent: $911 in Santa Cruz, Laguna versus $1,148 in Baguio.

Santa Cruz, Laguna $911
Baguio $1,148

Monthly costs for a family of three with rent: $1,206 in Santa Cruz, Laguna versus $1,558 in Baguio.

Santa Cruz, Laguna $1,206
Baguio $1,558

Living in Santa Cruz, Laguna costs roughly 17% less than in Baguio, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Santa Cruz, Laguna 55% lower, Baguio 46% lower.

Meal at Budget Restaurant

$1.55 ₱98.8

$3.92 ₱251

-60.46%

Three-Course Dinner for Two, Mid-Range

$7.73 ₱494

$16.66 ₱1,064

-53.60%

Fast Food Meal (McDonalds, etc)

$2.79 ₱178

$2.73 ₱174

2.20%

Cappuccino

$1.76 ₱113

$1.80 ₱115

-2.22%

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

$0.37 ₱23.90

$0.55 ₱35.21

-32.73%

Water (0.33 liter bottle)

$0.24 ₱15.42

$0.33 ₱21.28

-27.27%

Local Beer (0.5 liter draught)

$1.01 ₱64.7

$0.99 ₱63.6

2.02%

Imported Beer (0.33 liter bottle)

$0.90 ₱57.2

$1.54 ₱98.2

-41.56%

Milk (1 liter)

$1.54 ₱98.4

$1.59 ₱101

-3.14%

White Bread (500g)

$1.15 ₱73.3

$1.14 ₱73.1

0.88%

Rice (white) (1kg)

$0.91 ₱57.9

$0.97 ₱61.7

-6.19%

Eggs

$1.52 ₱97.0

$1.99 ₱127

-23.62%

Local Cheese (1kg)

$4.82 ₱308

$5.11 ₱326

-5.68%

Chicken Fillets (1kg)

$3.29 ₱210

$3.27 ₱209

0.61%

Beef Round Steak (1kg)

$7.20 ₱460

$7.63 ₱487

-5.64%

Apples (1kg)

$1.37 ₱87.7

$2.19 ₱140

-37.44%

Banana (1kg)

$0.49 ₱31.52

$1.55 ₱99.3

-68.39%

Oranges (1kg)

$1.43 ₱91.7

$2.26 ₱144

-36.73%

Tomato (1kg)

$1.06 ₱67.7

$1.02 ₱65.1

3.92%

Potato (1kg)

$1.67 ₱107

$1.73 ₱110

-3.47%

Onion (1kg)

$1.68 ₱107

$1.69 ₱108

-0.59%

Lettuce (1 head)

$0.61 ₱39.25

$0.65 ₱41.24

-6.15%

Water (1.5 liter bottle)

$0.52 ₱33.12

$0.51 ₱32.75

1.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.93 ₱187

$2.94 ₱188

-0.34%

Wine (Bottle)

$8.49 ₱543

$8.50 ₱543

-0.12%

Local Beer (0.5 liter bottle)

$0.96 ₱61.4

$0.95 ₱60.5

1.05%

Imported Beer (0.33 liter bottle)

$2.06 ₱131

$2.05 ₱131

0.49%

One-way Ticket (Public Transport)

$0.21 ₱13.11

$0.22 ₱14.05

-4.55%

Public Transport Monthly Pass (Regular Price)

$11.50 ₱735

$12.90 ₱825

-10.85%

Taxi Start (Normal Tariff)

$0.76 ₱48.74

$0.81 ₱51.9

-6.17%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.00

$0.24 ₱15.39

-8.33%

Taxi 1hour Waiting (Normal Tariff)

$1.93 ₱124

$1.90 ₱121

1.58%

Gasoline (1 liter)

$1.20 ₱76.5

$1.19 ₱76.2

0.84%

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

$20.7K ₱1.3M

$21.3K ₱1.4M

-2.62%

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

$18.9K ₱1.2M

$18.8K ₱1.2M

0.77%

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

$82.8 ₱5,290

$136 ₱8,684

-39.08%

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

$17.51 ₱1,118

$17.08 ₱1,091

2.52%

Internet (50+ Mbps, Unlimited Data)

$22.58 ₱1,443

$23.01 ₱1,470

-1.87%

Gym Membership (Monthly)

$27.30 ₱1,744

$20.76 ₱1,326

31.50%

Tennis Court (1 Hour on Weekend)

$4.47 ₱285

$5.23 ₱334

-14.53%

Cinema Ticket

$5.03 ₱321

$5.03 ₱322

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

$128 ₱8,194

$132 ₱8,465

-3.20%

International Primary School, 1 Child (Yearly)

$10.6K ₱677.6K

$10.6K ₱674.1K

0.51%

Jeans (Levis 501 Or Similar)

$28.32 ₱1,809

$28.91 ₱1,847

-2.04%

Summer Dress (H&M, Zara, etc)

$19.21 ₱1,227

$19.53 ₱1,248

-1.64%

Sport Shoes (Adidas, Nike)

$69.6 ₱4,447

$71.5 ₱4,568

-2.64%

Men's Leather Business Shoes

$53.7 ₱3,431

$54.9 ₱3,507

-2.15%

1-bedroom Apartment, City Center (Monthly)

$219 ₱14.0K

$393 ₱25.1K

-44.40%

1-bedroom Apartment, Outside City Center (Monthly)

$160 ₱10.2K

$192 ₱12.3K

-16.68%

3-bedroom Apartment, City Center (Monthly)

$480 ₱30.7K

$819 ₱52.3K

-41.36%

3-bedroom Apartment, Outside City Center (Monthly)

$298 ₱19.1K

$463 ₱29.6K

-35.49%

Buy Apartment in City Center (m2)

$2,453 ₱156.7K

$3,156 ₱201.6K

-22.26%

Buy Apartment Outside City Center (m2)

$1,079 ₱68.9K

$1,526 ₱97.5K

-29.29%

Average Monthly Net Salary (After Tax)

$179 ₱11.4K

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 Santa Cruz, Laguna: October 25, 2026

Last update for Baguio: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Santa Cruz, Laguna

$160 26%

Baguio

$192 26.1% 20% $32

Groceries & Markets

Santa Cruz, Laguna

$153 24.8%

Baguio

$171 23.2% 12% $18

Monthly Utilities & Internet

Santa Cruz, Laguna

$123 20%

Baguio

$176 23.9% 43.2% $53

Clothing & Footwear

Santa Cruz, Laguna

$77 12.5%

Baguio

$79 10.7% 2.3% $1.8

Eating Out

Santa Cruz, Laguna

$51 8.3%

Baguio

$73 9.9% 42.1% $22

Sport & Entertainment

Santa Cruz, Laguna

$37 6.1%

Baguio

$31 4.2% 17.5% $6.5

Getting Around

Santa Cruz, Laguna

$14 2.3%

Baguio

$16 2.1% 11.4% $1.6

Cost Breakdown

A one-bedroom apartment in the center runs $219 in Santa Cruz, Laguna and $393 in Baguio. Housing cost is often the main lever when comparing two cities.

Dining out: $8 in Santa Cruz, Laguna vs $17 in Baguio for a mid-range dinner for two. Groceries echo the gap at $153 vs $171 per month, with Santa Cruz, Laguna cheaper across the board.

Good to know

🇵🇭 Santa Cruz, Laguna

🇵🇭 Baguio

🕒 Local time

03:05 3:05 AM

Same time as Santa Cruz, Laguna

🌤 Weather

👥 Population

123,574

366,358

💱 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

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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

Santa Cruz, Laguna vs Baguio: Cost of Living - Frequently Asked Questions

Santa Cruz, Laguna wins on cost – living expenses run 17% lower than in Baguio. Housing and daily spending are where you’ll feel the difference most, making Santa Cruz, Laguna the obvious pick if budget is a priority.

You’d need roughly $923 in Santa Cruz, Laguna and $1,106 in Baguio to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $219 in Santa Cruz, Laguna versus $393 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $616 per month in Santa Cruz, Laguna versus $737 in Baguio – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Santa Cruz, Laguna runs roughly 11% less than in Baguio. Both cities have functional networks, but the price difference matters if you’re watching your budget.

Either city works on $1,200 a month, though Santa Cruz, Laguna 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.

Expats usually find Santa Cruz, Laguna gentler on the wallet – expenses run 17% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.