Cost Of Living in Quezon City 2025

Average monthly spending for singles, couples, students, and families in Quezon City
Whether you're living in Quezon City 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.
Average Monthly Expenditure
Currency: PHP

Monthly Expenditure ▶ Single
Currency: PHP

Monthly Expenditure ▶ Couple
Currency: PHP

Monthly Expenditure ▶ Family
Currency: PHP

Monthly Expenditure ▶ Student
Currency: PHP

How do people spend their money in Quezon City?
We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.
The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.
Housing Expenditure24%
24% of total expenses on average (13% to 32%)
LOW | $54 3,000 PHP |
AVERAGE | $540 30,000 PHP |
HIGH | $8,200 460,000 PHP |
| Per Month |
People living in Quezon City typically spend from 13% to 32% of their total monthly expenditure on housing with 24% being the average. The average spend on housing is 30,000 PHP with expenditure ranging from 3,000 PHP to 460,000 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.
Utilities, Electricity, Water, Internet, Mobile7%
7% of total expenses on average (4% to 11%)
LOW | $7.2 400 PHP |
AVERAGE | $72 4,000 PHP |
HIGH | $1,100 61,000 PHP |
| Per Month |
Utility expenditure like electricity, water, and gas in Quezon City ranges from 4% to 11% of total expenses with 7% being the average. The average monthly cost of utilities is 4,000 PHP with 400 PHP and 61,000 PHP being the upper and lower limits.
Transport, Fuel, Commute7%
7% of total expenses on average (3% to 11%)
LOW | $17 930 PHP |
AVERAGE | $170 9,300 PHP |
HIGH | $2,500 140,000 PHP |
| Per Month |
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 930 PHP to 140,000 PHP on commuting with 9,300 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%.
Food and Groceries Cost28%
28% of total expenses on average (20% to 34%)
LOW | $40 2,200 PHP |
AVERAGE | $400 22,000 PHP |
HIGH | $5,900 330,000 PHP |
| Per Month |
The average outlay on groceries in a month in Quezon City is 22,000 PHP. The cost of groceries can range between 2,200 PHP to 330,000 PHP. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.
Healthcare and Medical Services10%
10% of total expenses on average (5% to 13%)
LOW | $8.8 490 PHP |
AVERAGE | $88 4,900 PHP |
HIGH | $1,300 74,000 PHP |
| Per Month |
People in Quezon City 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 490 PHP to 74,000 PHP with 4,900 PHP being the norm.
Leisure and Shopping5%
5% of total expenses on average (2% to 9%)
LOW | $6.3 350 PHP |
AVERAGE | $63 3,500 PHP |
HIGH | $950 53,000 PHP |
| Per Month |
This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 350 PHP to 53,000 PHP with 3,500 PHP being the average. Speaking of percentages, that equates to 2% to 9% of total expenses with an average of 5% for most residents.
Education and Schooling5%
5% of total expenses on average (3% to 11%)
LOW | $9.5 530 PHP |
AVERAGE | $95 5,300 PHP |
HIGH | $1,400 80,000 PHP |
| Per Month |
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 5,300 PHP per month with 530 PHP being the minimum spent amount and 80,000 PHP being the maximum.
Other Expenses14%
14% of total expenses on average (9% to 21%)
LOW | $23 1,300 PHP |
AVERAGE | $230 13,000 PHP |
HIGH | $3,400 190,000 PHP |
| Per Month |

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
The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

How much money can you save in Quezon City 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 Quezon City manage to save money from their income every month?
Almost 71% of the surveyed people in Quezon City said that they can save some money at the end of each month while 29% said that aren't saving anything.
Percentage of people saving money by population group in Quezon City
Group | Savers | Non Savers |
---|
Singles | 76% | 24% |
Couples | 76% | 24% |
Families | 63% | 37% |
Savings-to-Income Ratio
The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.

Saving to Income Ratio
Average Monthly Saved Amount
3,700 PHP $67 | 37,000 PHP $670 | 560,000 PHP $10,000 |
For most people, 15% to 42% of their monthly income is what they can allocate to their savings, with 26% being the average. The amount of money that people can save is approximately 37,000 PHP on average with savings ranging from 3,700 PHP to 560,000 PHP.
76% of surveyed singles reported some of their income going to savings while 76% of couples said the same. 63% of families confirmed their ability to save money.
How much money do people actually save in Quezon City?
The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.
Singles
Saving to Income Ratio
Average Monthly Saved Amount
3,400 PHP $61 | 31,000 PHP $550 | 340,000 PHP $6,100 |
Savings to income distribution levels for singles
Saving To Income Ratio | % Singles |
---|
0% - 10% | 32% |
10% - 20% | 25% |
20% - 30% | 16% |
30% - 40% | 13% |
40% - 50% | 10% |
> 50% | 4% |
Interpretation and Analysis
Singles who can afford to save reported that they allocate from 19% to 45% of their monthly income to savings, with 31% being the average for most singles. The average amount of money that singles are able to save is 31,000 PHP with 3,400 PHP and 340,000 PHP being the minimum and maximum respectively.
Couples
Saving to Income Ratio
Average Monthly Saved Amount
7,100 PHP $130 | 46,000 PHP $830 | 430,000 PHP $7,600 |
Savings to income distribution levels for couples
Saving To Income Ratio | % Couples |
---|
0% - 10% | 36% |
10% - 20% | 27% |
20% - 30% | 19% |
30% - 40% | 8% |
40% - 50% | 7% |
> 50% | 3% |
Interpretation and Analysis
Couples who confirmed their ability to save reported saving equivalent to 17% to 46% of their monthly income, with 30% being the average for most couples. The average amount of money that couples can save is 46,000 PHP with 7,100 PHP and 430,000 PHP being the minimum and maximum respectively.
Families
Saving to Income Ratio
Average Monthly Saved Amount
11,000 PHP $200 | 56,000 PHP $1,000 | 560,000 PHP $10,000 |
Savings to income distribution levels for families
Saving To Income Ratio | % Families |
---|
0% - 10% | 39% |
10% - 20% | 30% |
20% - 30% | 20% |
30% - 40% | 5% |
40% - 50% | 4% |
> 50% | 2% |
Interpretation and Analysis
Families in Quezon City can save anywhere between 12% to 36% of their monthly income, with 22% being the average for most families. The average amount of money that families can put aside is 56,000 PHP with 11,000 PHP and 560,000 PHP being the minimum and maximum respectively.

Debt, loans, and mortgages in Quezon City
Percentage of people who are in debt
According to the survey, 30% of the people in Quezon City have some kind of debt, loan, mortgage, or credit card payments while 70% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Quezon City
Debt to income ratio
30%
22% to 39%
( monthly debt payment / monthly income ) x 100
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 30% of the people's monthly income in Quezon City goes to debt settlement.
Debt levels23>Monthly debt settlement payment as percentage of monthly income
Debt-to-income ratio | % People |
> 60% | 3% |
50% - 60% | 17% |
40% - 50% | 14% |
30% - 40% | 16% |
20% - 30% | 11% |
10% - 20% | 13% |
0% - 10% | 26% |
According to our data, 3% of the debtors in Quezon City pay 60%+ of their income as debt settlement while 17% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 11% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in Quezon City
Debt | % People |
Real Estate Mortgage | 9% |
Auto Loan | 16% |
Student Loan | 4% |
Credit Card | 29% |
Personal Loan | 42% |
9% of debtors in Quezon City confirm that real estate mortgages constitutes the main part of their outstanding debt while 29% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 16% of people and personal loans rose at 42%. Lastly, student loans are the main source of debt for 4% of debtors in Quezon City.
About credit score and debt managementManaging debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.
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 Quezon City
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.
Frequency | % People |
Never | 51% |
Once a year | 24% |
Twice a year | 12% |
Three times a year | 9% |
Four times a year | 4% |
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.
Yes52%
No48%
Based on the survey, 48% of the people living in Quezon City said that they don't have an emergency fund while 52% said that they do.
Food Prices, Dining Expenses, and Grocery Costs in Quezon City
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Quezon City
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Quezon City is approximatly 200 PHP with meal cost ranging from 100 PHP to 340 PHP. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
370 PHP | 550 PHP | 1,100 PHP |
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 370 PHP and 1,100 PHP with 550 PHP being the average price of a plate for one person at a regular restaurant in Quezon City.
Fine dining meal for one price
680 PHP | 1,000 PHP | 4,100 PHP |
The price range of a meal at fine-dining restaurant is 680 PHP to 4,100 PHP with the average cost being 1,000 PHP for one person. This is what you would expect to pay a top-tier diner in Quezon City.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Quezon City is around 140 PHP. Price ranges between 89 PHP and 210 PHP depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Quezon City is 88 PHP. The maximum what you would pay for milk is 110 PHP and the minimum being 74 PHP depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 67 PHP on average with 50 PHP and 100 PHP being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Quezon City is between 130 PHP and 230 PHP depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 160 PHP.
Pack of beef price
The price of a regular pack of beef or meat is around 240 PHP. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Quezon City costs around 72 PHP on average with prices rangeing between 53 PHP and 100 PHP depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 21 PHP to 51 PHP. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 49 PHP on average. A bag of apples denotes 1Kg or 1lb depending on location.
Grocery and food expenditure to income ratio
( monthly grocery expenses / monthly income ) x 100
The average grocery-to-income ratio in Quezon City is around 34%. This means that people spend 34% of their income on grocery and basic household items. The expenditure can range from 24% to 42% depending on salary and location.
Expenditure on food and grocery for every population group
A single person living alone spends approximately 13,000 PHP per month on grocery and food with expenditure fluctuating between 1,800 PHP and 140,000 PHP depending on location and the type of person. The average cost of food and groceries for a couple is around 16,000 PHP per month. That number can be get as low as 2,500 PHP or a high as 150,000 PHP. Families' spending on grocery ranges from 4,800 PHP to 240,000 PHP with the location, income, and size of the family being the most determinite factors.

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%

Typical saving choices for people in Quezon City
Where do people choose to put their savings?
Saving Type | % People |
---|
Emergency Funds | 12% |
Gold | 12% |
Savings Accounts | 17% |
Retirement Accounts | 10% |
Cash Savings | 20% |
Real Estate | 9% |
Investment | 5% |
Stocks | 4% |
Bonds | 5% |
Mutual Funds | 2% |
Certificates of Deposit | 3% |

Affordable living in Quezon City
Income and cost of living compatibility
We asked residents one simple question and recorded their answers.
Is it affordable or economical to live in Quezon City?
Around 54% of surveyed residents think that living in Quezon City is affordable with proper budgeting while 46% reported that it is just too expensive and not affordable even with frugality and thriftness.
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.
Singles
The average monthly expense for a single person living in Quezon City is 95,000 PHP. Expenses can range from 13,000 PHP at the minimum level to 1.1M PHP at the highest end.
Couples
The average monthly spending of couples in Quezon City is 140,000 PHP. Expenditure can range from 22,000 PHP to 1.3M PHP per month.
Families
The average cost of living for families in Quezon City is 170,000 PHP per month. Families spend anywhere from 35,000 PHP to 1.7M PHP.
Students
The average monthly expenditure for students in Quezon City is 67,000 PHP. Students spend from 10,000 PHP to 740,000 PHP per month.
Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
Prices and cost of goods and services in Quezon City

Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
370 PHP | 550 PHP | 1,100 PHP |
Fine dining meal for one
680 PHP | 1,000 PHP | 4,100 PHP |
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
Medium bag of rice
Bag of tomatos
Bag of apples

Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
510 PHP | 680 PHP | 1,400 PHP |
Average car 1-day rental
Average car price
230,000 PHP | 470,000 PHP | 620,000 PHP |
Bus ticket one way
Car Service
650 PHP | 970 PHP | 1,900 PHP |

Utility cost (monthly)
Utility Bill - Individual
610 PHP | 4,400 PHP | 48,000 PHP |
Utility Bill - Couple
650 PHP | 4,700 PHP | 53,000 PHP |
Utility Bill - Family
1,200 PHP | 6,100 PHP | 61,000 PHP |
Internet and cable
560 PHP | 1,100 PHP | 1,500 PHP |
Mobile phone charges
300 PHP | 500 PHP | 1,500 PHP |
Leisure and activities costs
Movie ticket
One month gym membership
850 PHP | 1,100 PHP | 2,100 PHP |

Cloths and accessories costs
Pair of jeans or pants
650 PHP | 930 PHP | 1,400 PHP |
Woman dress
650 PHP | 900 PHP | 2,900 PHP |
Woman shoes
530 PHP | 730 PHP | 1,700 PHP |
Men's shoes
480 PHP | 590 PHP | 1,200 PHP |
Men suit
560 PHP | 700 PHP | 3,700 PHP |
Regular t-shirt
290 PHP | 390 PHP | 1,200 PHP |

Housing costs / monthly rent
Studio apartment
11,000 PHP | 17,000 PHP | 45,000 PHP |
1-bedroom apartment
17,000 PHP | 28,000 PHP | 70,000 PHP |
2-bedroom apartment
24,000 PHP | 37,000 PHP | 98,000 PHP |
Housing costs / Buying
Studio apartment
2.4M PHP | 3.7M PHP | 7.3M PHP |
1-bedroom apartment
3.1M PHP | 5.1M PHP | 19M PHP |
2-bedroom apartment
$80,000 | $240,000 | $480,000 |

Furniture Costs
King Size Bed
10,000 PHP | 12,000 PHP | 17,000 PHP |
Double Bed
7,000 PHP | 10,000 PHP | 13,000 PHP |
Single Bed
6,400 PHP | 8,400 PHP | 11,000 PHP |
Living Room
13,000 PHP | 16,000 PHP | 57,000 PHP |
Dining Table
5,000 PHP | 6,700 PHP | 12,000 PHP |
Sofa or Couch
7,000 PHP | 9,500 PHP | 21,000 PHP |

Electronics and House Appliance Costs
TV Set
7,000 PHP | 11,000 PHP | 21,000 PHP |
Fridge or Freezer
6,500 PHP | 10,000 PHP | 14,000 PHP |
Washing Machine
7,400 PHP | 11,000 PHP | 19,000 PHP |
Stove or Cooker
7,200 PHP | 9,200 PHP | 13,000 PHP |
Mobile Phone
8,800 PHP | 11,000 PHP | 15,000 PHP |
Laptop or Computer
10,000 PHP | 12,000 PHP | 22,000 PHP |

Saving Challenges in Quezon City
Reasons that make it difficult for people to save money
We wanted to understand what is stopping people from maximizing their savings in Quezon City. Listed below are the answers given by the survey participants.
Reason | % People |
---|
Low Income | 5% |
High Expenses | 8% |
Debt and Loans | 14% |
Lack of Budgeting Skills | 11% |
Impulsive Spending | 11% |
Financial Emergencies | 7% |
Living the moment | 6% |
Will do it later | 20% |
Inflation | 13% |
Social Pressure | 3% |
Market Instability | 2% |
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. 14% of the residents said that they are burdened with debt and find it challenging to save money. 11% 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. 11% 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. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 20% 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.

Financial goals of people in Quezon City
In an attempt to understand the economic situation in Quezon City, 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.
Financial Goal | % People |
---|
Emergency Fund | 8% |
Debt Reduction | 41% |
Retirement Savings | 10% |
Education Funding | 7% |
Homeownership | 18% |
Investing | 7% |
Travel or Lifestyle | 7% |
Healthcare Expenses | 13% |
Financial Independence | 5% |
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 41% 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. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 13% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
Retirement, pension plans, and life after work in Quezon City
What does the retirement lifestyle look like in Quezon City 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.
The typical saved amount of money you should have at every age as multiples of monthly salary:Age | Amount |
---|
25 | 5x monthly salary at age 25 |
30 | 10x monthly salary at age 30 |
35 | 15x monthly salary at age 35 |
40 | 25x monthly salary at age 40 |
45 | 32x monthly salary at age 45 |
50 | 48x monthly salary at age 50 |
55 | 56x monthly salary at age 55 |
60 | 64x monthly salary at age 60 |
65 | 78x monthly salary at age 65 |
The typical average saved amount of money you should have at every age in Quezon City:Age | Amount |
---|
25 | 190,000 PHP |
30 | 390,000 PHP |
35 | 720,000 PHP |
40 | 1.1M PHP |
45 | 1.4M PHP |
50 | 2.1M PHP |
55 | 2.6M PHP |
60 | 3.3M PHP |
65 | 3.5M PHP |
Retirement Income Distribution
We asked residents about their retirement income sources and below are the results.
Source | % People |
---|
Pensions | 12% |
Savings | 23% |
Investments | 12% |
Social Security | 7% |
Annuities | 7% |
Part-time Job | 14% |
Real Estate | 18% |
Dividends and Interest | 7% |
Retirement Monthly Expenses in Quezon City 7,800 PHP $140 | 71,000 PHP $1,300 | 780,000 PHP $14,000 |
Expenditure to Income Ratio in Quezon City
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.

Spending to Income Ratio
110%
100% to 120%
( expenditure / income ) x 100
Expense to income distribution levels
Spending To Income Ratio | % People |
---|
< 50% | 4% |
50% - 60% | 9% |
60% - 70% | 16% |
70% - 80% | 25% |
80% - 90% | 19% |
90% - 100% | 11% |
100% - 110% | 6% |
110% - 120% | 4% |
120% - 130% | 3% |
130% - 140% | 2% |
> 140% | 2% |
Interpretation and Analysis
The average spending-to-salary ratio in Quezon City is 110%
This means that on average, people spend around 110% of their income for living.
According to the distribution table, 16% of the population spend approximately 60% to 70% of their income every month.
How can spending be more than income?
A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.
Individual
100%
Spending-Income-Ratio
95%
110%
Couple
110%
Spending-Income-Ratio
110%
130%
Family
110%
Spending-Income-Ratio
100%
120%

Low-cost alternatives in Quezon City
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 options56%
Few low-cost options44%
Based on the survey, 56% of the people living in Quezon City have no problem finding low-cost alternatives to support a frugal lifestyle while 44% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Housing costs, accommodation, and housing affordability in Quezon City
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Quezon City
Monthly Rent Prices
Studio apartment monthly rent cost
11,000 PHP | 17,000 PHP | 45,000 PHP |
1-bedroom apartment monthly rent cost
17,000 PHP | 28,000 PHP | 70,000 PHP |
2-bedroom apartment monthly rent cost
24,000 PHP | 37,000 PHP | 98,000 PHP |
3-bedroom apartment monthly rent cost
31,000 PHP | 51,000 PHP | 140,000 PHP |
Furnished apartment monthly rent cost
56,000 PHP | 140,000 PHP | 280,000 PHP |
Townhouse monthly rent cost
45,000 PHP | 67,000 PHP | 190,000 PHP |
House monthly rent cost
56,000 PHP | 140,000 PHP | 280,000 PHP |
Villa monthly rent cost
67,000 PHP | 170,000 PHP | 270,000 PHP |
The monthly rental cost of a studio apartment in Quezon City ranges between 11,000 PHP and 45,000 PHP, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 17,000 PHP to 70,000 PHP. Two-bedroom rentals rate ranges between 24,000 PHP and 98,000 PHP per month. The monthly rental for a three-bedroom apartment ranges from 31,000 PHP to 140,000 PHP. The average rent of a townhouse in Quezon City is around 67,000 PHP while house rental costs can be as high as 140,000 PHP per month. Finally, if you want to rent a villa, expect to pay anywhere from 67,000 PHP to 270,000 PHP per month.
Apartment and house prices in Quezon City
Cost of buying a property
Studio apartment price
2.4M PHP | 3.7M PHP | 7.3M PHP |
1-bedroom apartment price
3.1M PHP | 5.1M PHP | 19M PHP |
2-bedroom apartment price
$80,000 | $240,000 | $480,000 |
3-bedroom apartment price
Townhouse price
House price
26M PHP | 150M PHP | 220M PHP |
Villa price
31M PHP | 170M PHP | 260M PHP |
The average price of a studio apartment in Quezon City can range from 2.4M PHP to 7.3M PHP depending on location. One bedroom cost can be anywhere from 3.1M PHP to 19M PHP. A villa can cost you 170M PHP on average with prices ranging from 31M PHP to 260M PHP.
If you're leasing or purchasing, housing costs in Quezon City will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.
House / apartment prices to income ratio
Property price to income ratio
( average property price / average monthly income ) x 100
65 | x185 monthly income | 363 |
Property prices in Quezon City can be x185 to x363 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x185 multiples of the average monthly salary in Quezon City.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Quezon City is around 43%. This means that people pay 43% of their income for rent. Those figures can range from 29% to 57% depending on the salary, location, and type of property.
The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.
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.
Housing Affordability Index
28% 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.
200 PHP | 2,000 PHP | 31,000 PHP |
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.
Monthly costs and expenses of energy and basic utilities in Quezon City
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Quezon City
Utility Bill Cost / Electricity + Water + Gas / Individual
610 PHP | 4,400 PHP | 48,000 PHP |
Utility Bill Cost / Electricity + Water + Gas / Couple
650 PHP | 4,700 PHP | 53,000 PHP |
Utility Bill Cost / Electricity + Water + Gas / Family
1,200 PHP | 6,100 PHP | 61,000 PHP |
Internet and cable cost
560 PHP | 1,100 PHP | 1,500 PHP |
Mobile phone bill and charges
300 PHP | 500 PHP | 1,500 PHP |
Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.
The average monthly expenditure for individuals on electricty, water, and gas in Quezon City ranges between 610 PHP and 48,000 PHP with average being 4,400 PHP, meanwhile the expenditure of couples is slightly higher at 4,700 PHP with 650 PHP and 53,000 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 6,100 PHP. The cost of internet and WiFi is unchanged among the three groups and ranges from 560 PHP to 1,500 PHP with 1,100 PHP being the average internet bill. Finally, the average monthly mobile charges is around 500 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
( monthly utility expenses / monthly income ) x 100
The average utility-to-income ratio in Quezon City is around 8.2%. This means that people pay 8.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.1% to 14% depending on salary and location.
Cost of living comparison by city
#1 Dasmarinas
The average cost of living in Dasmarinas is 47,000 PHP, which is 53% less than the country average. Dasmarinas is ranked first in Philippines in terms of expendenture and cost of living.
#2 Makati
The average cost of living in Makati is 50,000 PHP, which is 50% less than the country average. Makati is ranked second in Philippines in terms of expendenture and cost of living.
#3 Las Pinas
The average cost of living in Las Pinas is 53,000 PHP, which is 47% less than the country average. Las Pinas is ranked third in Philippines in terms of expendenture and cost of living.
#4 Valenzuela
The average cost of living in Valenzuela is 57,000 PHP, which is 43% less than the country average. Valenzuela is ranked fourth in Philippines in terms of expendenture and cost of living.
#5 Paranaque
The average cost of living in Paranaque is 61,000 PHP, which is 39% less than the country average. Paranaque is ranked fifth in Philippines in terms of expendenture and cost of living.
#6 Cagayan de Oro
The average cost of living in Cagayan de Oro is 64,000 PHP, which is 36% less than the country average. Cagayan de Oro is ranked sixth in Philippines in terms of expendenture and cost of living.
#7 Pasig
The average cost of living in Pasig is 68,000 PHP, which is 32% less than the country average. Pasig is ranked seventh in Philippines in terms of expendenture and cost of living.
#8 Antipolo
The average cost of living in Antipolo is 73,000 PHP, which is 27% less than the country average. Antipolo is ranked eighth in Philippines in terms of expendenture and cost of living.
#9 Taguig
The average cost of living in Taguig is 77,000 PHP, which is 23% less than the country average. Taguig is ranked ninth in Philippines in terms of expendenture and cost of living.
#10 Cebu
The average cost of living in Cebu is 81,000 PHP, which is 19% less than the country average. Cebu is ranked tenth in Philippines in terms of expendenture and cost of living.
#11 Kalookan
The average cost of living in Kalookan is 86,000 PHP, which is 14% less than the country average. Kalookan is ranked eleventh in Philippines in terms of expendenture and cost of living.
#12 Davao
The average cost of living in Davao is 91,000 PHP, which is 9% less than the country average. Davao is ranked twelfth in Philippines in terms of expendenture and cost of living.
#13 Manila
The average cost of living in Manila is 96,000 PHP, which is 4% less than the country average. Manila is ranked thirteenth in Philippines in terms of expendenture and cost of living.
#14 Quezon City
The average cost of living in Quezon City is 100,000 PHP, which is same as the country average. Quezon City is ranked fourteenth in Philippines in terms of expendenture and cost of living.
Published: November 15, 2024 Last Update: May 25, 2025