Last update: Oct 2026

Cost of Living Comparison Between Sydney and Naga

For one person, living is cheaper in Naga: $558 a month against $3,152 in Sydney, rent and utilities included – about $31,100 less a year. Rent and utilities account for most of the difference.

155

Cost of Living Index in Sydney
Learn more

Sydney Living Index
38

Cost of Living Index in Naga
Learn more

Naga Living Index

Jump to prices

Sydney

🇦🇺 Australia

$3,152

/mo nomad

Naga

🇵🇭 Philippines

$558

/mo nomad

Monthly Cost of Living

How much you'll spend in Sydney and in Naga

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

Monthly costs for one person with rent: $3,152 in Sydney versus $558 in Naga.

Sydney $3,152
Naga $558

Estimated couple costs with rent: $4,710 in Sydney versus $852 in Naga.

Sydney $4,710
Naga $852

Monthly costs for a family of three with rent: $6,268 in Sydney versus $1,147 in Naga.

Sydney $6,268
Naga $1,147

Living in Sydney is roughly 465% more expensive than in Naga, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Sydney is 133% above, Naga is 59% below.

Meal at Budget Restaurant

$17.57 A$25.29

$5.26 ₱331

234.03%

Three-Course Dinner for Two, Mid-Range

$91.5 A$132

$13.42 ₱845

581.67%

Fast Food Meal (McDonalds, etc)

$11.96 A$17.21

$2.70 ₱170

342.96%

Cappuccino

$4.07 A$5.85

$2.67 ₱168

52.43%

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

$2.85 A$4.10

$0.71 ₱44.50

301.41%

Water (0.33 liter bottle)

$2.25 A$3.24

$0.25 ₱15.80

800.00%

Local Beer (0.5 liter draught)

$7.60 A$10.94

$1.32 ₱83.3

475.76%

Imported Beer (0.33 liter bottle)

$7.43 A$10.69

$3.14 ₱197

136.62%

Milk (1 liter)

$1.66 A$2.38

$1.95 ₱123

-14.87%

White Bread (500g)

$2.78 A$4.00

$0.85 ₱53.3

227.06%

Rice (white) (1kg)

$2.42 A$3.49

$0.82 ₱51.7

195.12%

Eggs

$5.64 A$8.12

$1.70 ₱107

231.76%

Local Cheese (1kg)

$11.71 A$16.85

$10.19 ₱642

14.92%

Chicken Fillets (1kg)

$9.66 A$13.89

$4.07 ₱256

137.35%

Beef Round Steak (1kg)

$16.75 A$24.10

$6.99 ₱440

139.63%

Apples (1kg)

$4.07 A$5.85

$1.98 ₱125

105.56%

Banana (1kg)

$3.25 A$4.68

$1.63 ₱102

99.39%

Oranges (1kg)

$3.44 A$4.96

$2.44 ₱154

40.98%

Tomato (1kg)

$4.28 A$6.16

$2.43 ₱153

76.13%

Potato (1kg)

$3.28 A$4.72

$2.57 ₱162

27.63%

Onion (1kg)

$2.30 A$3.30

$2.22 ₱140

3.60%

Lettuce (1 head)

$2.30 A$3.31

$4.76 ₱300

-51.68%

Water (1.5 liter bottle)

$1.21 A$1.74

$0.62 ₱39.28

95.16%

Cigarettes 20 Pack (Marlboro, Camel)

$43.71 A$62.9

$2.89 ₱182

1412.46%

Wine (Bottle)

$13.88 A$19.97

$3.77 ₱237

268.17%

Local Beer (0.5 liter bottle)

$3.90 A$5.62

$1.61 ₱101

142.24%

Imported Beer (0.33 liter bottle)

$3.91 A$5.63

One-way Ticket (Public Transport)

$3.04 A$4.38

Public Transport Monthly Pass (Regular Price)

$150 A$216

Taxi Start (Normal Tariff)

$3.38 A$4.86

$0.57 ₱36.08

492.98%

Taxi (Normal Tariff) (1km)

$1.56 A$2.24

Taxi 1hour Waiting (Normal Tariff)

$40.01 A$57.6

Gasoline (1 liter)

$1.40 A$2.01

$1.26 ₱79.4

11.11%

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

$29.1K A$41.9K

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

$30.1K A$43.4K

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

$223 A$320

$99.1 ₱6,242

124.53%

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

$27.16 A$39.08

$23.41 ₱1,474

16.02%

Internet (50+ Mbps, Unlimited Data)

$55.8 A$80.3

$26.23 ₱1,651

112.81%

Gym Membership (Monthly)

$74.6 A$107

$8.07 ₱508

824.54%

Tennis Court (1 Hour on Weekend)

$23.99 A$34.52

Cinema Ticket

$17.56 A$25.27

$4.80 ₱302

265.83%

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

$2,196 A$3,160

International Primary School, 1 Child (Yearly)

$28.2K A$40.6K

$8,052 ₱507.0K

250.08%

Jeans (Levis 501 Or Similar)

$78.4 A$113

Summer Dress (H&M, Zara, etc)

$68.4 A$98.5

Sport Shoes (Adidas, Nike)

$111 A$160

Men's Leather Business Shoes

$134 A$193

1-bedroom Apartment, City Center (Monthly)

$2,500 A$3,598

$158 ₱9,919

1486.85%

1-bedroom Apartment, Outside City Center (Monthly)

$1,709 A$2,460

$85.9 ₱5,411

1888.79%

3-bedroom Apartment, City Center (Monthly)

$4,946 A$7,117

$251 ₱15.8K

1868.91%

3-bedroom Apartment, Outside City Center (Monthly)

$3,022 A$4,349

$194 ₱12.2K

1460.30%

Buy Apartment in City Center (m2)

$13.2K A$18.9K

Buy Apartment Outside City Center (m2)

$8,370 A$12.0K

Average Monthly Net Salary (After Tax)

$4,113 A$5,919

$145 ₱9,126

2737.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

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

Last update for Sydney: October 11, 2026

Last update for Naga: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Sydney

$1.7K 54.2%

Naga

$86 15.4% 95% $1.6K

Groceries & Markets

Sydney

$379 12%

Naga

$206 * 36.9% 45.6% $173

Monthly Utilities & Internet

Sydney

$306 9.7%

Naga

$149 26.7% 51.3% $157

Eating Out

Sydney

$299 9.5%

Naga

$99 17.7% 66.9% $200

Clothing & Footwear

Sydney

$177 5.6%

Naga

- * 0% 100%

Getting Around

Sydney

$174 5.5%

Naga

$0.6 * 0.1% 99.7% $173

Sport & Entertainment

Sydney

$110 3.5%

Naga

$18 3.2% 83.9% $92

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

Cost Breakdown

A one-bedroom apartment in the center runs $2,500 in Sydney and $158 in Naga. Housing cost is often the main lever when comparing two cities.

Sydney pays 2738% 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: $91.0 in Sydney vs $13.00 in Naga for a mid-range dinner for two. Groceries echo the gap at $379 vs $206 per month, with Naga cheaper across the board.

Good to know

🇦🇺 Sydney

🇵🇭 Naga

🕒 Local time

01:59 1:59 AM

22:59 10:59 PM

3 h behind Sydney

🌤 Weather

👥 Population

4,840,600

115,750

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 19, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to AUD in detail →

On the map

Lowest

Highest

Between locations

Sydney Naga 6,060 km ≈ 8 h nonstop flight

From you

Sydney
Naga

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

Sydney vs Naga: Cost of Living - Frequently Asked Questions

Sydney and Naga differ by about 465% in total monthly costs ($3,152 vs $558 including rent). Naga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2738% higher in Sydney, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,500 in Sydney versus $158 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Naga – a meal for two runs $13.00 versus $91.0 in Sydney. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $3,152 per month in Sydney versus $558 in Naga – a 465% gap that adds up to real savings over time for anyone picking the cheaper option.

At $558 in Naga versus $3,152 in Sydney, a $2,000 budget is realistic in Naga but tight or insufficient in Sydney. 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, Sydney and Naga are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Naga gentler on the wallet – expenses run 465% less than in Sydney. Beyond cost, consider language, visa policies, and how big the international community is in each city.