Cost Of Living For a Single Person in Antipolo 2025

Average monthly spending for a single person or individual in Antipolo

How much money does an individual need in a month to survive in Antipolo?

A single person in Antipolo spends around 53,000 PHP per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 7,400 PHP or as high as 350,000 PHP. Location and income are very important factors and have a huge influence on expenditure and budget.

Single person expenditure to income ratio in Antipolo

Analysing the how affordable it is for an individual to live in Antipolo

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. Individuals usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a single individual ranges between 70% to 80%.

Individuals in Antipolo spend around 79% of their monthly income. Some individuals spend as low as 73% of their income while some as high as 88%.

How do individuals spend their money in Antipolo?

We asked thousands of individuals about their spending habits and expenditure break down.

Housing and accomodation expenditure for individuals

Individuals in Antipolo typically spend from 17% to 41% of their total monthly expenditure on housing with 29% being the average. The average monthly spend on housing is 19,000 PHP with expenditure ranging from 2,700 PHP to 130,000 PHP. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for individuals

Utility expenditure like electricity, water, and gas in Antipolo ranges from 5% to 14% of total expenses with 9% being the average for most individuals. The average monthly cost of utilities is 3,200 PHP with 450 PHP and 21,000 PHP being the upper and lower limits for a single person.

Transport, fuel, and commute expenditure for individuals

Fuel consumption and cost of transport depend heavily on whether a single person resides near school and work, but roughly speaking a single person would expect to spend from 590 PHP to 28,000 PHP in a month on commuting with 4,200 PHP being the norm for most individuals. This means that money spent on transport constitutes about 4% of total spending on average but can go as low as 2% or as high as 10%.

Food, groceries, and basic shopping expenditure for individuals

The average outlay on groceries and basic houshold items for a typical person in a month in Antipolo is 8,500 PHP. The cost of groceries can range between 1,200 PHP to 56,000 PHP. Individuals spend on average about 20% on food and groceries with upper and lower bounds of 14% and 25% respectively.

Healthcare and medical services expenditure for individuals

Individuals in Antipolo allocate 7% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 13%. The range of medical expenses range from 670 PHP to 32,000 PHP with 4,800 PHP being the norm for most individuals.

Leisure and shopping expenditure for individuals

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 370 PHP to 18,000 PHP with 2,600 PHP being the average. Speaking of percentages, that equates to 2% to 5% of total expenses with an average of 2% for most individuals.

Education and schooling expenditure for individuals

Spending on education can vary drastically between different individuals. On average, education constitutes 1% of the monthly expenditure of individuals with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 1,100 PHP per month with 150 PHP being the minimum spent amount and 7,100 PHP being the maximum.

What percentage of individuals in Antipolo are able to save money and how much can they save?

Percentage of individuals that reported their ability to save money

Almost 63% of surveyed individuals in Antipolo said that they can save some money at the end of each month while 37% reported that they have to utilize their whole income to survive.

How much money do individuals manage to add to their savings?

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for individuals

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 15% to 34% of their monthly income to their savings, with 24% being the average for most individuals. The average monthly amount of money that individuals can put aside is 17,000 PHP with 1,900 PHP and 110,000 PHP being the minimum and maximum respectively.

Saving Challenges in Antipolo

Reasons that make it difficult for individuals to save money

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

Around 4% of the individuals said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 12% 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% of individuals 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. 22% 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. 14% 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.

Typical saving choices for individuals in Antipolo

Where do people choose to put their savings?

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

Affordable living in Antipolo

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Antipolo?

Around 56% of surveyed individuals think that living in Antipolo is affordable with proper budgeting while 44% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Antipolo

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 individuals how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options58%

Few low-cost options42%

Based on the survey, 58% of the individuals living in Antipolo have no problem finding low-cost alternatives to support a frugal lifestyle while 42% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Individuals

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 individuals of Antipolo whether they have an emergency fund and the answers were as follows.

Yes54%

No46%

Based on the survey, 46% of the individuals living in Antipolo said that they don't have an emergency fund while 54% said that they do.

Financial Literacy in Philippines

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 individuals in Antipolo 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 single people of Philippines 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 individuals in Antipolo

In an attempt to understand the economic situation in Antipolo, 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 9% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 45% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% 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 15% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Debt, loans, and mortgages in Antipolo

Percentage of individuals who are in debt

According to the survey, 31% of the individuals in Antipolo have some kind of debt, loan, mortgage, or credit card payments while 69% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Antipolo

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 31% of a single person's monthly income in Antipolo goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Antipolo pay 60%+ of their income as debt settlement while 20% 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 9% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Antipolo

7% of debtors in Antipolo confirm that real estate mortgages constitutes the main part of their outstanding debt while 31% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 13% of people and personal loans rose at 45%. Lastly, student loans are the main source of debt for 4% of debtors in Antipolo.

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 Antipolo

Besides measuring the loan-to-income ratio, we asked individuals of Antipolo 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.

Housing costs, accommodation, and housing affordability in Antipolo

Rent Cost in Antipolo

Monthly Rent Prices

Studio apartment monthly rent cost

6,500 PHP

9,700 PHP

26,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$120

$170

$460

1-bedroom apartment monthly rent cost

9,700 PHP

16,000 PHP

39,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$170

$280

$690

2-bedroom apartment monthly rent cost

13,000 PHP

19,000 PHP

52,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$230

$350

$920

3-bedroom apartment monthly rent cost

16,000 PHP

26,000 PHP

71,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$280

$460

$1,300

Furnished apartment monthly rent cost

31,000 PHP

78,000 PHP

160,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$550

$1,400

$2,800

Townhouse monthly rent cost

26,000 PHP

39,000 PHP

110,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$460

$690

$2,000

House monthly rent cost

31,000 PHP

78,000 PHP

160,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$550

$1,400

$2,800

Villa monthly rent cost

39,000 PHP

97,000 PHP

160,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$690

$1,700

$2,800

The monthly rental cost of a studio apartment in Antipolo ranges between 6,500 PHP and 26,000 PHP, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 9,700 PHP to 39,000 PHP. Two-bedroom rentals rate ranges between 13,000 PHP and 52,000 PHP per month. The monthly rental for a three-bedroom apartment ranges from 16,000 PHP to 71,000 PHP. The average rent of a townhouse in Antipolo is around 39,000 PHP while house rental costs can be as high as 78,000 PHP per month. Finally, if you want to rent a villa, expect to pay anywhere from 39,000 PHP to 160,000 PHP per month.

Apartment and house prices in Antipolo

Cost of buying a property

Studio apartment price

1.3M PHP

1.9M PHP

3.9M PHP

MINIMUM

AVERAGE

MAXIMUM

$23,000

$35,000

$69,000

1-bedroom apartment price

1.6M PHP

2.6M PHP

9.7M PHP

MINIMUM

AVERAGE

MAXIMUM

$28,000

$46,000

$170,000

2-bedroom apartment price

2.6M PHP

7.8M PHP

16M PHP

MINIMUM

AVERAGE

MAXIMUM

$46,000

$140,000

$280,000

3-bedroom apartment price

8.6M PHP

13M PHP

39M PHP

MINIMUM

AVERAGE

MAXIMUM

$150,000

$230,000

$690,000

Townhouse price

11M PHP

26M PHP

97M PHP

MINIMUM

AVERAGE

MAXIMUM

$200,000

$460,000

$1.7M

House price

13M PHP

78M PHP

110M PHP

MINIMUM

AVERAGE

MAXIMUM

$230,000

$1.4M

$2M

Villa price

16M PHP

86M PHP

130M PHP

MINIMUM

AVERAGE

MAXIMUM

$280,000

$1.5M

$2.3M

The average price of a studio apartment in Antipolo can range from 1.3M PHP to 3.9M PHP depending on location. One bedroom cost can be anywhere from 1.6M PHP to 9.7M PHP. A villa can cost you 86M PHP on average with prices ranging from 16M PHP to 130M PHP.

House / apartment prices to income ratio

Property prices in Antipolo can be x107 to x209 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x107 multiples of the average monthly salary in Antipolo.

Rent to income ratio

The average rent-to-income ratio in Antipolo is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 21% to 41% 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.

Monthly costs and expenses of energy and basic utilities in Antipolo

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

Utility Bill Cost / Electricity + Water + Gas / A single person

450 PHP

3,200 PHP

21,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$8

$57

$380

Internet and cable cost

360 PHP

720 PHP

960 PHP

MINIMUM

AVERAGE

MAXIMUM

$6.4

$13

$17

Mobile phone bill and charges

290 PHP

480 PHP

1,400 PHP

MINIMUM

AVERAGE

MAXIMUM

$5.1

$8.5

$26

The average monthly energy and water consumption of individuals is around 3,200 PHP. The cost of internet and WiFi ranges from 360 PHP to 960 PHP with 720 PHP being the average internet bill. Finally, the average monthly mobile charges is around 480 PHP but can range between 290 PHP and 1,400 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 Antipolo is around 6.2%. This means that people pay 6.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.1% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Antipolo

Prices and cost of goods and services in Antipolo

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

Fast food combo meal price

72 PHP

140 PHP

240 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.3

$2.6

$4.3

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Antipolo is approximatly 140 PHP with meal cost ranging from 72 PHP to 240 PHP. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

250 PHP

370 PHP

750 PHP

MINIMUM

AVERAGE

MAXIMUM

$4.4

$6.7

$13

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 250 PHP and 750 PHP with 370 PHP being the average price of a plate for one person at a regular restaurant in Antipolo.

Fine dining meal for one price

500 PHP

750 PHP

3,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$8.9

$13

$53

The price range of a meal at fine-dining restaurant is 500 PHP to 3,000 PHP with the average cost being 750 PHP for one person. This is what you would expect to pay a top-tier diner in Antipolo.

Beverage prices, cappuccino, latte etc..

60 PHP

96 PHP

140 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.7

$2.6

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Antipolo is around 96 PHP. Price ranges between 60 PHP and 140 PHP depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

48 PHP

57 PHP

72 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.85

$1

$1.3

The average price of a large bottle of milk in Antipolo is 57 PHP. The maximum what you would pay for milk is 72 PHP and the minimum being 48 PHP depending on the brand of milk and other properties.

12 eggs price

36 PHP

48 PHP

72 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.64

$0.85

$1.3

A dozen eggs costs around 48 PHP on average with 36 PHP and 72 PHP being the lower and upper limits respectively.

Fresh whole chicken price

81 PHP

110 PHP

150 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.5

$1.9

$2.7

The price range of a fresh whole chicken in Antipolo is between 81 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

96 PHP

140 PHP

290 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2.6

$5.1

The price of a regular pack of beef or meat is around 140 PHP. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

39 PHP

53 PHP

75 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.69

$0.94

$1.3

A bag of rice in Antipolo costs around 53 PHP on average with prices rangeing between 39 PHP and 75 PHP depending on the brand and quality.

Bag of tomatos price

14 PHP

19 PHP

36 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.26

$0.34

$0.64

A bag of tomatoes costs anywhere from 14 PHP to 36 PHP. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

26 PHP

33 PHP

55 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.46

$0.60

$0.98

A bag of apples costs 33 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 Antipolo is around 27%. This means that individuals spend 27% of their income on grocery and basic household items. The expenditure can range from 19% to 33% depending on salary and location.

Expenditure on food and grocery for individuals