Last update: Oct 2026

Cost of Living Comparison Between Tagbilaran City and Ndola

For one person, living is cheaper in Tagbilaran City: $620 a month against $719 in Ndola, rent and utilities included – about $1,200 less a year. Other living expenses account for most of the difference.

30

Cost of Living Index in Tagbilaran City
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Tagbilaran City Living Index
35

Cost of Living Index in Ndola
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Ndola Living Index

Jump to prices

Tagbilaran City

🇵🇭 Philippines

$620

/mo nomad

Ndola

🇿🇲 Zambia

$719

/mo nomad

Monthly Cost of Living

How much you'll spend in Tagbilaran City and in Ndola

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

A single person spends $620 per month in Tagbilaran City vs $719 in Ndola, rent included.

Tagbilaran City $620
Ndola $719

A couple spends around $1,005 per month in Tagbilaran City vs $1,721 in Ndola, rent included.

Tagbilaran City $1,005
Ndola $1,721

A family of three spends $1,390 per month in Tagbilaran City vs $2,723 in Ndola, rent included.

Tagbilaran City $1,390
Ndola $2,723

Tagbilaran City is about 14% cheaper than Ndola, and outside of rent the biggest gap is in groceries.

Both Tagbilaran City and Ndola are more affordable than the global median – Tagbilaran City 54% lower, Ndola 47% lower.

Meal at Budget Restaurant

$2.93 ₱185

$5.58 ZMW 111

-47.49%

Three-Course Dinner for Two, Mid-Range

$17.16 ₱1,081

$30.02 ZMW 597

-42.84%

Fast Food Meal (McDonalds, etc)

$2.91 ₱183

$5.00 ZMW 99.4

-41.80%

Cappuccino

$2.48 ₱156

$2.76 ZMW 54.8

-10.14%

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

$0.99 ₱62.6

$0.52 ZMW 10.25

90.38%

Water (0.33 liter bottle)

$0.42 ₱26.32

$0.24 ZMW 4.73

75.00%

Local Beer (0.5 liter draught)

$0.77 ₱48.77

$1.22 ZMW 24.31

-36.89%

Imported Beer (0.33 liter bottle)

$2.25 ₱142

$2.21 ZMW 44.02

1.81%

Milk (1 liter)

$1.49 ₱94.0

$1.65 ZMW 32.92

-9.70%

White Bread (500g)

$1.01 ₱63.8

$1.18 ZMW 23.56

-14.41%

Rice (white) (1kg)

$0.98 ₱61.9

$2.13 ZMW 42.31

-53.99%

Eggs

$1.72 ₱108

$1.56 ZMW 31.07

10.26%

Local Cheese (1kg)

$9.68 ₱610

$10.15 ZMW 202

-4.63%

Chicken Fillets (1kg)

$4.56 ₱287

$6.18 ZMW 123

-26.21%

Beef Round Steak (1kg)

$7.70 ₱485

$6.71 ZMW 133

14.75%

Apples (1kg)

$2.90 ₱183

$1.47 ZMW 29.27

97.28%

Banana (1kg)

$1.31 ₱82.3

$2.41 ZMW 48.00

-45.64%

Oranges (1kg)

$2.36 ₱149

$3.74 ZMW 74.3

-36.90%

Tomato (1kg)

$1.52 ₱95.8

$1.54 ZMW 30.72

-1.30%

Potato (1kg)

$2.32 ₱146

$2.53 ZMW 50.4

-8.30%

Onion (1kg)

$1.90 ₱120

$1.80 ZMW 35.84

5.56%

Lettuce (1 head)

$0.70 ₱43.81

$1.10 ZMW 21.93

-36.36%

Water (1.5 liter bottle)

$0.50 ₱31.38

$0.58 ZMW 11.60

-13.79%

Cigarettes 20 Pack (Marlboro, Camel)

$2.37 ₱149

$3.09 ZMW 61.5

-23.30%

Wine (Bottle)

$6.33 ₱399

$9.83 ZMW 196

-35.61%

Local Beer (0.5 liter bottle)

$0.92 ₱58.1

$1.46 ZMW 28.97

-36.99%

Imported Beer (0.33 liter bottle)

$1.04 ₱65.7

$2.35 ZMW 46.73

-55.74%

One-way Ticket (Public Transport)

$0.47 ₱29.42

$0.72 ZMW 14.29

-34.72%

Taxi Start (Normal Tariff)

$0.79 ₱49.99

$2.57 ZMW 51.2

-69.26%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.87

$1.53 ZMW 30.41

-85.62%

Taxi 1hour Waiting (Normal Tariff)

$4.38 ₱276

$5.03 ZMW 100

-12.92%

Gasoline (1 liter)

$1.03 ₱65.1

$1.35 ZMW 26.78

-23.70%

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

$21.5K ₱1.4M

$7,392 ZMW 147.0K

190.86%

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

$19.2K ₱1.2M

$26.9K ZMW 534.7K

-28.76%

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

$78.0 ₱4,911

$80.2 ZMW 1,596

-2.79%

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

$14.28 ₱899

$10.45 ZMW 208

36.65%

Internet (50+ Mbps, Unlimited Data)

$25.32 ₱1,594

$55.2 ZMW 1,098

-54.15%

Gym Membership (Monthly)

$10.92 ₱687

Tennis Court (1 Hour on Weekend)

$3.22 ₱203

Cinema Ticket

$3.60 ₱227

$6.04 ZMW 120

-40.40%

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

$280 ₱17.6K

$135 ZMW 2,692

106.83%

International Primary School, 1 Child (Yearly)

$7,908 ₱497.9K

$16.3K ZMW 324.7K

-51.55%

Jeans (Levis 501 Or Similar)

$36.94 ₱2,326

$23.64 ZMW 470

56.26%

Summer Dress (H&M, Zara, etc)

$17.89 ₱1,126

$15.39 ZMW 306

16.24%

Sport Shoes (Adidas, Nike)

$65.0 ₱4,094

$45.69 ZMW 909

42.31%

Men's Leather Business Shoes

$58.2 ₱3,665

$71.4 ZMW 1,421

-18.50%

1-bedroom Apartment, City Center (Monthly)

$190 ₱12.0K

$177 ZMW 3,526

7.37%

1-bedroom Apartment, Outside City Center (Monthly)

$135 ₱8,524

$148 ZMW 2,948

-8.66%

3-bedroom Apartment, City Center (Monthly)

$482 ₱30.3K

$370 ZMW 7,365

30.06%

3-bedroom Apartment, Outside City Center (Monthly)

$350 ₱22.0K

$1,482 ZMW 29.5K

-76.37%

Buy Apartment in City Center (m2)

$805 ₱50.7K

Buy Apartment Outside City Center (m2)

$476 ₱30.0K

Average Monthly Net Salary (After Tax)

$171 ₱10.8K

$596 ZMW 11.9K

-71.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-75.17%

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

Last update for Tagbilaran City: October 19, 2026

Last update for Ndola: October 18, 2026

Monthly budget structure

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

Groceries & Markets

Tagbilaran City

$189 30.5%

Ndola

$223 31.1% 18.1% $34

Accommodation & Living

Tagbilaran City

$135 21.8%

Ndola

$148 20.6% 9.5% $13

Monthly Utilities & Internet

Tagbilaran City

$118 19%

Ndola

$146 20.3% 24.1% $28

Clothing & Footwear

Tagbilaran City

$80 12.9%

Ndola

$70 9.8% 12.3% $9.9

Eating Out

Tagbilaran City

$76 12.3%

Ndola

$106 14.8% 39.9% $30

Sport & Entertainment

Tagbilaran City

$18 2.9%

Ndola

$12 * 1.7% 33.3% $6

Getting Around

Tagbilaran City

$3.8 * 0.6%

Ndola

$13 * 1.8% 248% $9.3

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

Cost Breakdown

A central one-bedroom costs $190 in Tagbilaran City versus $177 in Ndola. 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 248% higher in Ndola, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $17.00 in Tagbilaran City versus $30.00 in Ndola. Monthly groceries follow the same trend: $189 vs $223 – making Tagbilaran City the more affordable choice for daily food spending.

Good to know

🇵🇭 Tagbilaran City

🇿🇲 Ndola

🕒 Local time

21:17 9:17 PM

15:17 3:17 PM

6 h behind Tagbilaran City

🌤 Weather

👥 Population

86,411

455,194

💱 Currency

Philippine Peso PHP ₱

Zambian Kwacha ZMW ZK

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 ZMW = 5.03 USD

100 ZMW = 4.47 EUR

Exchange rates and currency converter

ZMW, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 22, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Zambian Kwacha exchange rates as of October 22, 2026: 1 USD = 19.89 ZMW (100 ZMW = 5.03 USD). 1 EUR = 22.36 ZMW (100 ZMW = 4.47 EUR).

USD to PHP in detail →

On the map

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Between locations

Tagbilaran City Ndola 10,810 km ≈ 14 h nonstop flight

From you

Tagbilaran City
Ndola

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

Tagbilaran City vs Ndola: Cost of Living - Frequently Asked Questions

Yes – Ndola is pricier by about 16%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $930 per month in Tagbilaran City and $1,079 in Ndola. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Tagbilaran City, 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 $17.00 in Tagbilaran City and $30.00 in Ndola. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 18% more in Ndola, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,200 covers both cities comfortably – all-in costs are $620 in Tagbilaran City and $719 in Ndola, leaving budget for savings and extras in both cases.

Families tend to lean toward Tagbilaran City – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Tagbilaran City. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ndola makes more sense. Both are solid long-term options with distinct trade-offs.