Cost of Living Comparison Between Toledo City and Baguio Cost of Living Comparison Between Toledo City and Baguio

Monthly Cost of Living

Monthly costs for one person with rent: $692 in Toledo City versus $764 in Baguio.

Estimated couple costs with rent: $1,103 in Toledo City versus $1,128 in Baguio.

Monthly costs for a family of three with rent: $1,513 in Toledo City versus $1,491 in Baguio.

Living in Toledo City costs roughly 9% less than in Baguio, driven mainly by Groceries & Markets.

Both cities sit below the global median: Toledo City 48% lower, Baguio 43% lower.

Meal at Budget Restaurant

$2.61 ₱160

$3.51 ₱216

-25.64%

Three-Course Dinner for Two, Mid-Range

$21.49 ₱1,323

$13.35 ₱822

60.97%

Fast Food Meal (McDonalds, etc)

$3.56 ₱219

$2.67 ₱165

33.33%

Cappuccino

$1.99 ₱123

$2.35 ₱145

-15.32%

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

$0.56 ₱34.72

$0.69 ₱42.28

-18.84%

Water (0.33 liter bottle)

$0.30 ₱18.32

$0.37 ₱23.01

-18.92%

Local Beer (0.5 liter draught)

$0.93 ₱57.3

$1.44 ₱88.4

-35.42%

Imported Beer (0.33 liter bottle)

$1.75 ₱108

$1.93 ₱119

-9.33%

Milk (1 liter)

$1.77 ₱109

$1.92 ₱118

-7.81%

White Bread (500g)

$1.21 ₱74.7

$1.19 ₱73.3

1.68%

Rice (white) (1kg)

$0.88 ₱54.3

$1.06 ₱65.3

-16.98%

Eggs

$2.15 ₱132

$2.17 ₱134

-0.92%

Local Cheese (1kg)

$6.00 ₱369

$9.41 ₱579

-36.24%

Chicken Fillets (1kg)

$4.20 ₱259

$3.72 ₱229

12.90%

Beef Round Steak (1kg)

$7.08 ₱436

$8.61 ₱530

-17.77%

Apples (1kg)

$2.36 ₱145

$2.72 ₱168

-13.24%

Banana (1kg)

$1.20 ₱73.6

$1.79 ₱110

-32.96%

Oranges (1kg)

$1.95 ₱120

$2.35 ₱145

-17.02%

Tomato (1kg)

$1.55 ₱95.6

$1.17 ₱72.1

32.48%

Potato (1kg)

$2.49 ₱154

$1.81 ₱112

37.57%

Onion (1kg)

$1.15 ₱71.0

$2.20 ₱135

-47.73%

Lettuce (1 head)

$1.69 ₱104

$0.68 ₱41.60

148.53%

Water (1.5 liter bottle)

$0.91 ₱55.8

$0.78 ₱47.77

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$1.20 ₱73.7

$3.33 ₱205

-63.96%

Wine (Bottle)

$4.19 ₱258

$8.71 ₱536

-51.89%

Local Beer (0.5 liter bottle)

$1.22 ₱75.0

$1.06 ₱65.4

15.09%

Imported Beer (0.33 liter bottle)

$1.92 ₱118

$2.34 ₱144

-17.95%

One-way Ticket (Public Transport)

$0.26 ₱15.80

$0.28 ₱17.27

-7.14%

Public Transport Monthly Pass (Regular Price)

$10.81 ₱665

Taxi Start (Normal Tariff)

$0.73 ₱44.82

$0.92 ₱56.7

-20.65%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.04

$0.22 ₱13.54

4.55%

Taxi 1hour Waiting (Normal Tariff)

$2.68 ₱165

$2.35 ₱145

14.04%

Gasoline (1 liter)

$1.14 ₱70.1

$1.11 ₱68.1

2.70%

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

$23.8K ₱1.5M

$31.7K ₱1.9M

-24.78%

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

$19.4K ₱1.2M

$20.5K ₱1.3M

-5.49%

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

$67.2 ₱4,134

$144 ₱8,878

-53.43%

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

$30.92 ₱1,903

$34.02 ₱2,094

-9.11%

Internet (50+ Mbps, Unlimited Data)

$30.16 ₱1,857

$25.86 ₱1,592

16.63%

Gym Membership (Monthly)

$33.48 ₱2,061

$22.30 ₱1,373

50.13%

Tennis Court (1 Hour on Weekend)

$4.34 ₱267

$4.23 ₱261

2.60%

Cinema Ticket

$1.80 ₱111

$5.79 ₱356

-68.91%

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

$89.8 ₱5,531

$151 ₱9,287

-40.44%

International Primary School, 1 Child (Yearly)

$4,365 ₱268.8K

$4,640 ₱285.6K

-5.91%

Jeans (Levis 501 Or Similar)

$45.99 ₱2,832

$48.90 ₱3,011

-5.95%

Summer Dress (H&M, Zara, etc)

$22.57 ₱1,390

$27.56 ₱1,697

-18.11%

Sport Shoes (Adidas, Nike)

$63.2 ₱3,888

$74.1 ₱4,560

-14.73%

Men's Leather Business Shoes

$80.3 ₱4,942

$45.63 ₱2,809

75.91%

1-bedroom Apartment, City Center (Monthly)

$413 ₱25.4K

$349 ₱21.5K

18.22%

1-bedroom Apartment, Outside City Center (Monthly)

$175 ₱10.8K

$145 ₱8,937

20.63%

3-bedroom Apartment, City Center (Monthly)

$582 ₱35.8K

$543 ₱33.4K

7.25%

3-bedroom Apartment, Outside City Center (Monthly)

$394 ₱24.2K

$265 ₱16.3K

48.66%

Buy Apartment in City Center (m2)

$2,400 ₱147.8K

$2,392 ₱147.2K

0.36%

Buy Apartment Outside City Center (m2)

$986 ₱60.7K

$925 ₱57.0K

6.55%

Average Monthly Net Salary (After Tax)

$318 ₱19.6K

$183 ₱11.3K

73.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.5

33.33%

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

Last update for Toledo City: July 13, 2026

Last update for Baguio: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $413 in Toledo City and $349 in Baguio. Housing cost is often the main lever when comparing two cities.

Toledo City pays 74% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $21.00 in Toledo City vs $13.00 in Baguio. Groceries flip the comparison at $182 vs $206, with Toledo City cheaper for home cooking.

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 10% 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 74% 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: $413 in Toledo City versus $349 in Baguio. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 13% higher in Baguio. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $692 per month in Toledo City versus $764 in Baguio – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

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.

Safety-wise, Toledo City and Baguio 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 Toledo City gentler on the wallet – expenses run 10% less than in Baguio. Beyond cost, consider language, visa policies, and how big the international community is in each city.