Last update: Oct 2026

Cost of Living Comparison Between Toledo City and Baguio

For one person, living is cheaper in Toledo City: $644 a month against $737 in Baguio, rent and utilities included – about $1,100 less a year. Higher rent and utilities in Baguio outweigh lower spending on other living expenses.

31

Cost of Living Index in Toledo City
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Toledo City Living Index
36

Cost of Living Index in Baguio
Learn more

Baguio Living Index

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Toledo City

🇵🇭 Philippines

$644

/mo nomad

Baguio

🇵🇭 Philippines

$737

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $644 in Toledo City versus $737 in Baguio.

Toledo City $644
Baguio $737

Estimated couple costs with rent: $1,018 in Toledo City versus $1,148 in Baguio.

Toledo City $1,018
Baguio $1,148

Monthly costs for a family of three with rent: $1,391 in Toledo City versus $1,558 in Baguio.

Toledo City $1,391
Baguio $1,558

Living in Toledo City costs roughly 13% less than in Baguio, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Toledo City 53% lower, Baguio 46% lower.

Meal at Budget Restaurant

$2.77 ₱177

$3.92 ₱251

-29.34%

Three-Course Dinner for Two, Mid-Range

$18.50 ₱1,181

$16.66 ₱1,064

11.04%

Fast Food Meal (McDonalds, etc)

$3.15 ₱201

$2.73 ₱174

15.38%

Cappuccino

$1.84 ₱117

$1.80 ₱115

2.22%

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

$0.68 ₱43.22

$0.55 ₱35.18

23.64%

Water (0.33 liter bottle)

$0.33 ₱21.30

$0.33 ₱21.26

Local Beer (0.5 liter draught)

$1.09 ₱69.3

$0.99 ₱63.5

10.10%

Imported Beer (0.33 liter bottle)

$1.67 ₱107

$1.54 ₱98.1

8.44%

Milk (1 liter)

$1.65 ₱105

$1.59 ₱101

3.77%

White Bread (500g)

$1.19 ₱76.0

$1.14 ₱73.1

4.39%

Rice (white) (1kg)

$0.81 ₱51.6

$0.97 ₱61.7

-16.49%

Eggs

$1.82 ₱116

$1.99 ₱127

-8.54%

Local Cheese (1kg)

$5.83 ₱372

$5.11 ₱326

14.09%

Chicken Fillets (1kg)

$3.88 ₱248

$3.27 ₱209

18.65%

Beef Round Steak (1kg)

$6.14 ₱392

$7.63 ₱487

-19.53%

Apples (1kg)

$3.14 ₱201

$2.19 ₱140

43.38%

Banana (1kg)

$1.06 ₱67.7

$1.55 ₱99.3

-31.61%

Oranges (1kg)

$2.80 ₱179

$2.26 ₱144

23.89%

Tomato (1kg)

$1.41 ₱90.3

$1.02 ₱65.0

38.24%

Potato (1kg)

$2.25 ₱144

$1.73 ₱110

30.06%

Onion (1kg)

$2.78 ₱178

$1.69 ₱108

64.50%

Lettuce (1 head)

$1.43 ₱91.5

$0.65 ₱41.21

120.00%

Water (1.5 liter bottle)

$0.76 ₱48.58

$0.51 ₱32.72

49.02%

Cigarettes 20 Pack (Marlboro, Camel)

$0.82 ₱52.2

$2.94 ₱188

-72.11%

Wine (Bottle)

$6.35 ₱406

$8.50 ₱543

-25.29%

Local Beer (0.5 liter bottle)

$1.07 ₱68.4

$0.95 ₱60.4

12.63%

Imported Beer (0.33 liter bottle)

$1.27 ₱80.9

$2.05 ₱131

-38.05%

One-way Ticket (Public Transport)

$0.25 ₱15.66

$0.22 ₱14.04

13.64%

Public Transport Monthly Pass (Regular Price)

$11.41 ₱728

$12.90 ₱824

-11.55%

Taxi Start (Normal Tariff)

$0.76 ₱48.41

$0.81 ₱51.8

-6.17%

Taxi (Normal Tariff) (1km)

$0.36 ₱22.70

$0.24 ₱15.38

50.00%

Taxi 1hour Waiting (Normal Tariff)

$2.30 ₱147

$1.90 ₱121

21.05%

Gasoline (1 liter)

$1.17 ₱74.6

$1.19 ₱76.2

-1.68%

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

$21.1K ₱1.3M

$21.3K ₱1.4M

-0.67%

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

$19.1K ₱1.2M

$18.8K ₱1.2M

1.81%

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

$62.0 ₱3,958

$136 ₱8,677

-54.39%

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

$9.21 ₱588

$17.08 ₱1,091

-46.08%

Internet (50+ Mbps, Unlimited Data)

$26.62 ₱1,700

$23.01 ₱1,469

15.69%

Gym Membership (Monthly)

$31.01 ₱1,980

$20.76 ₱1,325

49.37%

Tennis Court (1 Hour on Weekend)

$5.14 ₱328

$5.23 ₱334

-1.72%

Cinema Ticket

$1.52 ₱97.3

$5.03 ₱321

-69.78%

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

$79.8 ₱5,091

$132 ₱8,458

-39.80%

International Primary School, 1 Child (Yearly)

$8,998 ₱574.5K

$10.6K ₱673.6K

-14.72%

Jeans (Levis 501 Or Similar)

$32.98 ₱2,106

$28.91 ₱1,846

14.08%

Summer Dress (H&M, Zara, etc)

$18.94 ₱1,209

$19.53 ₱1,247

-3.02%

Sport Shoes (Adidas, Nike)

$54.1 ₱3,456

$71.5 ₱4,565

-24.31%

Men's Leather Business Shoes

$69.4 ₱4,432

$54.9 ₱3,504

26.47%

1-bedroom Apartment, City Center (Monthly)

$254 ₱16.2K

$393 ₱25.1K

-35.49%

1-bedroom Apartment, Outside City Center (Monthly)

$170 ₱10.8K

$192 ₱12.3K

-11.78%

3-bedroom Apartment, City Center (Monthly)

$497 ₱31.8K

$819 ₱52.3K

-39.28%

3-bedroom Apartment, Outside City Center (Monthly)

$355 ₱22.6K

$463 ₱29.5K

-23.35%

Buy Apartment in City Center (m2)

$2,669 ₱170.4K

$3,156 ₱201.5K

-15.43%

Buy Apartment Outside City Center (m2)

$1,128 ₱72.0K

$1,526 ₱97.4K

-26.06%

Average Monthly Net Salary (After Tax)

$318 ₱20.3K

$179 ₱11.4K

77.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

-11.11%

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

Last update for Toledo City: October 25, 2026

Last update for Baguio: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Toledo City

$182 28.3%

Baguio

$171 23.2% 6.1% $11

Accommodation & Living

Toledo City

$170 26.3%

Baguio

$192 26.1% 13.4% $23

Monthly Utilities & Internet

Toledo City

$98 15.2%

Baguio

$176 23.9% 79.9% $78

Clothing & Footwear

Toledo City

$79 12.3%

Baguio

$79 10.7% 0.4% $0.3

Eating Out

Toledo City

$66 10.3%

Baguio

$73 9.9% 9.4% $6.3

Sport & Entertainment

Toledo City

$34 5.3%

Baguio

$31 4.2% 9.5% $3.2

Getting Around

Toledo City

$15 2.3%

Baguio

$16 2.1% 5.8% $0.9

Cost Breakdown

A one-bedroom apartment in the center runs $254 in Toledo City and $393 in Baguio. Housing cost is often the main lever when comparing two cities.

Toledo City pays 77% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $19 in Toledo City vs $17 in Baguio for a mid-range dinner for two. Groceries echo the gap at $182 vs $171 per month, with Baguio cheaper across the board.

Good to know

🇵🇭 Toledo City

🇵🇭 Baguio

🕒 Local time

19:17 7:17 PM

Same time as Toledo City

🌤 Weather

👥 Population

206,692

366,358

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Toledo City Baguio 750 km ≈ 1 h 30 min nonstop flight

From you

Toledo City
Baguio

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

Toledo City vs Baguio: Cost of Living - Frequently Asked Questions

Toledo City wins on cost – living expenses run 13% lower than in Baguio. Housing and daily spending are where you’ll feel the difference most, making Toledo City the obvious pick if budget is a priority.

Average pay runs 77% higher in Toledo City, 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: $254 in Toledo City versus $393 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $644 per month in Toledo City versus $737 in Baguio – Toledo City is about 13% cheaper, which adds up to real savings over time.

A monthly transit pass in Toledo City runs roughly 12% less than in Baguio. The price difference matters if you commute daily and watch your budget.

Either city works on $1,200 a month, though Toledo City 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.