Cost Of Living in Kalookan 2025

Average monthly spending for singles, couples, students, and families in Kalookan

Whether you're living in Kalookan or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Financial Literacy in

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy49%

We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 51% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 49% said that they know about the general principles of personal finance from sources other than their own experience.

Difficulty in Budgeting and Financial Planning

We wanted to understand whether residents of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 47% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 53% said that they have everything under control.

Struggles with finance47%

Easily manages finances53%

Financial goals of people in Kalookan

In an attempt to understand the economic situation in Kalookan, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.

Around 8% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 43% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Affordable living in Kalookan

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Kalookan?

Around 61% of surveyed residents think that living in Kalookan is affordable with proper budgeting while 39% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Kalookan

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options63%

Few low-cost options37%

Based on the survey, 63% of the people living in Kalookan have no problem finding low-cost alternatives to support a frugal lifestyle while 37% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Kalookan

Singles

The average monthly expense for a single person living in Kalookan is 58,000 PHP. Expenses can range from 8,100 PHP at the minimum level to 380,000 PHP at the highest end.

Couples

The average monthly spending of couples in Kalookan is 96,000 PHP. Expenditure can range from 32,000 PHP to 510,000 PHP per month.

Families

The average cost of living for families in Kalookan is 130,000 PHP per month. Families spend anywhere from 45,000 PHP to 830,000 PHP.

Students

The average monthly expenditure for students in Kalookan is 42,000 PHP. Students spend from 6,400 PHP to 280,000 PHP per month.

Typical saving choices for people in Kalookan

Where do people choose to put their savings?

How much money can you save in Kalookan every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.

What percentage of people in Kalookan manage to save money from their income every month?

Almost 64% of the surveyed people in Kalookan said that they can save some money at the end of each month while 36% said that aren't saving anything.

Percentage of people saving money by population group in Kalookan

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 12% to 35% of their monthly income is what they can allocate to their savings, with 21% being the average. The amount of money that people can save is approximately 27,000 PHP on average with savings ranging from 2,000 PHP to 270,000 PHP.

69% of surveyed singles reported some of their income going to savings while 63% of couples said the same. 58% of families confirmed their ability to save money.

How much money do people actually save in Kalookan?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 16% to 37% of their monthly income to savings, with 26% being the average for most singles. The average amount of money that singles are able to save is 18,000 PHP with 2,000 PHP and 120,000 PHP being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 14% to 36% of their monthly income, with 24% being the average for most couples. The average amount of money that couples can save is 31,000 PHP with 10,000 PHP and 160,000 PHP being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Kalookan can save anywhere between 11% to 33% of their monthly income, with 20% being the average for most families. The average amount of money that families can put aside is 41,000 PHP with 14,000 PHP and 270,000 PHP being the minimum and maximum respectively.

Emergency Funds

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents whether they have an emergency fund and the answers were as follows.

Yes59%

No42%

Based on the survey, 42% of the people living in Kalookan said that they don't have an emergency fund while 59% said that they do.

Retirement, pension plans, and life after work in Kalookan

What does the retirement lifestyle look like in Kalookan and how much retirement savings are required?

Retirement age

The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.

Retirement Income Distribution

We asked residents about their retirement income sources and below are the results.

Retirement Monthly Expenses in Kalookan

Saving Challenges in Kalookan

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Kalookan. Listed below are the answers given by the survey participants.

Around 5% of the people said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 12% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

• 50% for needs and financial obligations

  This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

• 30% for wants and discretionary spending

  This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

• 20% for savings and emergency fund

  This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

Debt, loans, and mortgages in Kalookan

Percentage of people who are in debt

According to the survey, 34% of the people in Kalookan have some kind of debt, loan, mortgage, or credit card payments while 66% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Kalookan

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 34% of the people's monthly income in Kalookan goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Kalookan pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Kalookan

8% of debtors in Kalookan confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 15% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in Kalookan.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.

Loan Affordability Index in Kalookan

Besides measuring the loan-to-income ratio, we asked residents how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

How do people spend their money in Kalookan?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

People living in Kalookan typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 25,000 PHP with expenditure ranging from 1,900 PHP to 250,000 PHP. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utility expenditure like electricity, water, and gas in Kalookan ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 4,200 PHP with 320 PHP and 42,000 PHP being the upper and lower limits.

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 640 PHP to 83,000 PHP on commuting with 8,300 PHP being the norm for most people in one month. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 3% or as high as 11%.

The average outlay on groceries in a month in Kalookan is 21,000 PHP. The cost of groceries can range between 1,600 PHP to 210,000 PHP. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.

People in Kalookan allocate 5% to 13% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 10%. The range of medical expenses range from 450 PHP to 58,000 PHP with 5,800 PHP being the norm.

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 260 PHP to 33,000 PHP with 3,300 PHP being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 5,000 PHP per month with 380 PHP being the minimum spent amount and 50,000 PHP being the maximum.

Housing costs, accommodation, and housing affordability in Kalookan

Rent Cost in Kalookan

Monthly Rent Prices

Studio apartment monthly rent cost

7,000 PHP

11,000 PHP

28,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$130

$190

$500

1-bedroom apartment monthly rent cost

11,000 PHP

17,000 PHP

42,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$190

$300

$750

2-bedroom apartment monthly rent cost

14,000 PHP

21,000 PHP

56,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$250

$380

$1,000

3-bedroom apartment monthly rent cost

17,000 PHP

28,000 PHP

77,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$300

$500

$1,400

Furnished apartment monthly rent cost

34,000 PHP

84,000 PHP

170,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$600

$1,500

$3,000

Townhouse monthly rent cost

28,000 PHP

42,000 PHP

120,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$500

$750

$2,200

House monthly rent cost

34,000 PHP

84,000 PHP

170,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$600

$1,500

$3,000

Villa monthly rent cost

42,000 PHP

110,000 PHP

170,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$750

$1,900

$3,000

The monthly rental cost of a studio apartment in Kalookan ranges between 7,000 PHP and 28,000 PHP, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 11,000 PHP to 42,000 PHP. Two-bedroom rentals rate ranges between 14,000 PHP and 56,000 PHP per month. The monthly rental for a three-bedroom apartment ranges from 17,000 PHP to 77,000 PHP. The average rent of a townhouse in Kalookan is around 42,000 PHP while house rental costs can be as high as 84,000 PHP per month. Finally, if you want to rent a villa, expect to pay anywhere from 42,000 PHP to 170,000 PHP per month.

Apartment and house prices in Kalookan

Cost of buying a property

Studio apartment price

1.4M PHP

2.1M PHP

4.2M PHP

MINIMUM

AVERAGE

MAXIMUM

$25,000

$38,000

$75,000

1-bedroom apartment price

1.7M PHP

2.8M PHP

11M PHP

MINIMUM

AVERAGE

MAXIMUM

$30,000

$50,000

$190,000

2-bedroom apartment price

2.8M PHP

8.4M PHP

17M PHP

MINIMUM

AVERAGE

MAXIMUM

$50,000

$150,000

$300,000

3-bedroom apartment price

9.4M PHP

14M PHP

42M PHP

MINIMUM

AVERAGE

MAXIMUM

$170,000

$250,000

$750,000

Townhouse price

12M PHP

28M PHP

110M PHP

MINIMUM

AVERAGE

MAXIMUM

$220,000

$500,000

$1.9M

House price

14M PHP

84M PHP

120M PHP

MINIMUM

AVERAGE

MAXIMUM

$250,000

$1.5M

$2.2M

Villa price

17M PHP

94M PHP

140M PHP

MINIMUM

AVERAGE

MAXIMUM

$300,000

$1.7M

$2.5M

The average price of a studio apartment in Kalookan can range from 1.4M PHP to 4.2M PHP depending on location. One bedroom cost can be anywhere from 1.7M PHP to 11M PHP. A villa can cost you 94M PHP on average with prices ranging from 17M PHP to 140M PHP.

House / apartment prices to income ratio

Property prices in Kalookan can be x116 to x227 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x116 multiples of the average monthly salary in Kalookan.

Rent to income ratio

The average rent-to-income ratio in Kalookan is around 34%. This means that people pay 34% of their income for rent. Those figures can range from 23% to 45% depending on the salary, location, and type of property.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

FamilyAverage monthly expenses and break out of spending for families living in Kalookan

Expenditure to Income Ratio in Kalookan

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Kalookan is 96% This means that on average, people spend around 96% of their income for living. According to the distribution table, 15% of the population spend approximately 60% to 70% of their income every month.

Individual
86%
Spending-Income-Ratio

---

79%

95%

Couple
91%
Spending-Income-Ratio

---

83%

100%

Family
100%
Spending-Income-Ratio

---

92%

110%

Food Prices, Dining Expenses, and Grocery Costs in Kalookan

Prices and cost of goods and services in Kalookan

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

74 PHP

150 PHP

250 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.3

$2.6

$4.4

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Kalookan is approximatly 150 PHP with meal cost ranging from 74 PHP to 250 PHP. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

260 PHP

400 PHP

790 PHP

MINIMUM

AVERAGE

MAXIMUM

$4.7

$7.1

$14

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 260 PHP and 790 PHP with 400 PHP being the average price of a plate for one person at a regular restaurant in Kalookan.

Fine dining meal for one price

530 PHP

790 PHP

3,200 PHP

MINIMUM

AVERAGE

MAXIMUM

$9.4

$14

$57

The price range of a meal at fine-dining restaurant is 530 PHP to 3,200 PHP with the average cost being 790 PHP for one person. This is what you would expect to pay a top-tier diner in Kalookan.

Beverage prices, cappuccino, latte etc..

62 PHP

99 PHP

150 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.8

$2.6

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Kalookan is around 99 PHP. Price ranges between 62 PHP and 150 PHP depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

49 PHP

59 PHP

74 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.88

$1.1

$1.3

The average price of a large bottle of milk in Kalookan is 59 PHP. The maximum what you would pay for milk is 74 PHP and the minimum being 49 PHP depending on the brand of milk and other properties.

12 eggs price

37 PHP

49 PHP

74 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.66

$0.88

$1.3

A dozen eggs costs around 49 PHP on average with 37 PHP and 74 PHP being the lower and upper limits respectively.

Fresh whole chicken price

84 PHP

110 PHP

150 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.5

$1.9

$2.7

The price range of a fresh whole chicken in Kalookan is between 84 PHP and 150 PHP depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 110 PHP.

Pack of beef price

99 PHP

150 PHP

300 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.6

$5.3

The price of a regular pack of beef or meat is around 150 PHP. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

40 PHP

54 PHP

77 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.71

$0.97

$1.4

A bag of rice in Kalookan costs around 54 PHP on average with prices rangeing between 40 PHP and 77 PHP depending on the brand and quality.

Bag of tomatos price

15 PHP

20 PHP

37 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.26

$0.35

$0.66

A bag of tomatoes costs anywhere from 15 PHP to 37 PHP. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

26 PHP

35 PHP

57 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.47

$0.62

$1

A bag of apples costs 35 PHP on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Kalookan is around 29%. This means that people spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 36% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 9,200 PHP per month on grocery and food with expenditure fluctuating between 1,300 PHP and 61,000 PHP depending on location and the type of person. The average cost of food and groceries for a couple is around 13,000 PHP per month. That number can be get as low as 4,500 PHP or a high as 72,000 PHP. Families' spending on grocery ranges from 8,100 PHP to 150,000 PHP with the location, income, and size of the family being the most determinite factors.

Monthly costs and expenses of energy and basic utilities in Kalookan

Energy, electricity, water, gas, internet, and mobile cost in Kalookan

Utility Bill Cost / Electricity + Water + Gas / Individual

480 PHP

3,500 PHP

23,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$8.7

$62

$410

Utility Bill Cost / Electricity + Water + Gas / Couple

1,300 PHP

4,300 PHP

28,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$23

$77

$500

Utility Bill Cost / Electricity + Water + Gas / Family

2,200 PHP

6,400 PHP

42,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$40

$110

$740

Internet and cable cost

370 PHP

740 PHP

990 PHP

MINIMUM

AVERAGE

MAXIMUM

$6.6

$13

$18

Mobile phone bill and charges

300 PHP

490 PHP

1,500 PHP

MINIMUM

AVERAGE

MAXIMUM

$5.3

$8.8

$26

The average monthly expenditure for individuals on electricty, water, and gas in Kalookan ranges between 480 PHP and 23,000 PHP with average being 3,500 PHP, meanwhile the expenditure of couples is slightly higher at 4,300 PHP with 1,300 PHP and 28,000 PHP being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 6,400 PHP. The cost of internet and WiFi is unchanged among the three groups and ranges from 370 PHP to 990 PHP with 740 PHP being the average internet bill. Finally, the average monthly mobile charges is around 490 PHP but can range between 300 PHP and 1,500 PHP depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Kalookan is around 6.8%. This means that people pay 6.8% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.4% to 11% depending on salary and location.

CoupleAverage monthly living expenditure breaks and spending patterns for couples in Kalookan

StudentCost of living and expenses break down for students living in Kalookan