Cost Of Living For a Student in Taguig 2025

Average monthly spending for students in Taguig

How much money does a student need in a month to survive in Taguig?

Students in Taguig spend around 43,000 PHP per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 6,400 PHP or as high as 280,000 PHP. Location is a very important factor and has a huge influence on expenditure and budget.

How do students spend their money in Taguig?

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

Housing and accomodation expenditure for students

Students in Taguig typically spend from 13% to 24% of their total monthly expenditure on housing with 18% being the average. The average monthly spend on housing is 10,000 PHP with expenditure ranging from 1,500 PHP to 68,000 PHP. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Utility expenditure like electricity, water, and gas in Taguig ranges from 4% to 10% of total expenses with 6% being the average for most students. The average monthly cost of utilities is 1,700 PHP with 260 PHP and 11,000 PHP being the upper and lower limits for a student of four.

Transport, fuel, and commute expenditure for students

Fuel consumption and cost of transport depend heavily on whether a student resides near school and work, but roughly speaking a student would expect to spend from 450 PHP to 20,000 PHP in a month on commuting with 3,000 PHP being the norm for most students. This means that money spent on transport constitutes about 4% of total spending on average but can go as low as 4% or as high as 10%.

Food, groceries, and basic shopping expenditure for students

The average outlay on groceries and basic houshold items for a typical student in a month in Taguig is 8,500 PHP. The cost of groceries can range between 1,300 PHP to 57,000 PHP. Students spend on average about 23% on food and groceries with upper and lower bounds of 17% and 27% respectively.

Healthcare and medical services expenditure for students

Students in Taguig allocate 6% to 12% 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 9%. The range of medical expenses range from 390 PHP to 17,000 PHP with 2,600 PHP being the norm for most students.

Leisure and shopping expenditure for students

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 320 PHP to 14,000 PHP with 2,100 PHP being the average. Speaking of percentages, that equates to 2% to 7% of total expenses with an average of 3% for most students.

Education and schooling expenditure for students

Spending on education can vary drastically between different students. On average, education constitutes 18% of the monthly expenditure of students with 11% and 23% being the lower and upper bounds respectively. The average reported education cost is 8,100 PHP per month with 1,200 PHP being the minimum spent amount and 54,000 PHP being the maximum.

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 Taguig

Income and cost of living compatibility

We asked students one simple question and recorded their answers.

Is it affordable or economical to live in Taguig?

Around 61% of surveyed students think that living in Taguig 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 Taguig

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

Plenty of low-cost options64%

Few low-cost options36%

Based on the survey, 64% of the students living in Taguig have no problem finding low-cost alternatives to support a frugal lifestyle while 36% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Students

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 students of Taguig whether they have an emergency fund and the answers were as follows.

Yes59%

No41%

Based on the survey, 41% of the students living in Taguig said that they don't have an emergency fund while 59% 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 student guardians and parents in Taguig 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 students 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%

Housing costs, accommodation, and housing affordability in Taguig

Rent Cost in Taguig

Monthly Rent Prices

Studio apartment monthly rent cost

7,100 PHP

11,000 PHP

28,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$130

$190

$510

1-bedroom apartment monthly rent cost

11,000 PHP

17,000 PHP

43,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$190

$300

$760

2-bedroom apartment monthly rent cost

14,000 PHP

21,000 PHP

57,000 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

$510

$1,400

Furnished apartment monthly rent cost

34,000 PHP

85,000 PHP

170,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$610

$1,500

$3,000

Townhouse monthly rent cost

28,000 PHP

43,000 PHP

120,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$510

$760

$2,200

House monthly rent cost

34,000 PHP

85,000 PHP

170,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$610

$1,500

$3,000

Villa monthly rent cost

43,000 PHP

110,000 PHP

170,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$760

$1,900

$3,000

The monthly rental cost of a studio apartment in Taguig ranges between 7,100 PHP and 28,000 PHP, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 11,000 PHP to 43,000 PHP. Two-bedroom rentals rate ranges between 14,000 PHP and 57,000 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 Taguig is around 43,000 PHP while house rental costs can be as high as 85,000 PHP per month. Finally, if you want to rent a villa, expect to pay anywhere from 43,000 PHP to 170,000 PHP per month.

Apartment and house prices in Taguig

Cost of buying a property

Studio apartment price

1.4M PHP

2.1M PHP

4.3M PHP

MINIMUM

AVERAGE

MAXIMUM

$25,000

$38,000

$76,000

1-bedroom apartment price

1.7M PHP

2.8M PHP

11M PHP

MINIMUM

AVERAGE

MAXIMUM

$30,000

$51,000

$190,000

2-bedroom apartment price

2.8M PHP

8.5M PHP

17M PHP

MINIMUM

AVERAGE

MAXIMUM

$51,000

$150,000

$300,000

3-bedroom apartment price

9.5M PHP

14M PHP

43M PHP

MINIMUM

AVERAGE

MAXIMUM

$170,000

$250,000

$760,000

Townhouse price

12M PHP

28M PHP

110M PHP

MINIMUM

AVERAGE

MAXIMUM

$220,000

$510,000

$1.9M

House price

14M PHP

85M PHP

120M PHP

MINIMUM

AVERAGE

MAXIMUM

$250,000

$1.5M

$2.2M

Villa price

17M PHP

95M PHP

140M PHP

MINIMUM

AVERAGE

MAXIMUM

$300,000

$1.7M

$2.5M

The average price of a studio apartment in Taguig can range from 1.4M PHP to 4.3M PHP depending on location. One bedroom cost can be anywhere from 1.7M PHP to 11M PHP. A villa can cost you 95M PHP on average with prices ranging from 17M PHP to 140M PHP.

House / apartment prices to income ratio

Property prices in Taguig can be x117 to x229 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x117 multiples of the average monthly salary in Taguig.

Rent to income ratio

The average rent-to-income ratio in Taguig 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.

Monthly costs and expenses of energy and basic utilities in Taguig

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

Utility Bill Cost / Electricity + Water + Gas / Student

260 PHP

1,700 PHP

11,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$4.6

$31

$200

Internet and cable cost

390 PHP

780 PHP

1,000 PHP

MINIMUM

AVERAGE

MAXIMUM

$6.9

$14

$18

Mobile phone bill and charges

310 PHP

520 PHP

1,600 PHP

MINIMUM

AVERAGE

MAXIMUM

$5.5

$9.2

$28

The average monthly energy and water consumption of students is around 1,700 PHP. The cost of internet and WiFi ranges from 390 PHP to 1,000 PHP with 780 PHP being the average internet bill. Finally, the average monthly mobile charges is around 520 PHP but can range between 310 PHP and 1,600 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 Taguig 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.

Food Prices, Dining Expenses, and Grocery Costs in Taguig

Prices and cost of goods and services in Taguig

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

Fast food combo meal price

78 PHP

160 PHP

260 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.4

$2.8

$4.6

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Taguig is approximatly 160 PHP with meal cost ranging from 78 PHP to 260 PHP. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

270 PHP

410 PHP

810 PHP

MINIMUM

AVERAGE

MAXIMUM

$4.8

$7.3

$15

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 270 PHP and 810 PHP with 410 PHP being the average price of a plate for one person at a regular restaurant in Taguig.

Fine dining meal for one price

540 PHP

810 PHP

3,300 PHP

MINIMUM

AVERAGE

MAXIMUM

$9.7

$15

$58

The price range of a meal at fine-dining restaurant is 540 PHP to 3,300 PHP with the average cost being 810 PHP for one person. This is what you would expect to pay a top-tier diner in Taguig.

Beverage prices, cappuccino, latte etc..

65 PHP

100 PHP

160 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.2

$1.8

$2.8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Taguig is around 100 PHP. Price ranges between 65 PHP and 160 PHP depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

52 PHP

62 PHP

78 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.92

$1.1

$1.4

The average price of a large bottle of milk in Taguig is 62 PHP. The maximum what you would pay for milk is 78 PHP and the minimum being 52 PHP depending on the brand of milk and other properties.

12 eggs price

39 PHP

52 PHP

78 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.69

$0.92

$1.4

A dozen eggs costs around 52 PHP on average with 39 PHP and 78 PHP being the lower and upper limits respectively.

Fresh whole chicken price

88 PHP

110 PHP

160 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.6

$2

$2.9

The price range of a fresh whole chicken in Taguig is between 88 PHP and 160 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

100 PHP

160 PHP

310 PHP

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.8

$5.5

The price of a regular pack of beef or meat is around 160 PHP. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

42 PHP

57 PHP

81 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.75

$1

$1.4

A bag of rice in Taguig costs around 57 PHP on average with prices rangeing between 42 PHP and 81 PHP depending on the brand and quality.

Bag of tomatos price

16 PHP

21 PHP

39 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.28

$0.37

$0.69

A bag of tomatoes costs anywhere from 16 PHP to 39 PHP. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

28 PHP

36 PHP

60 PHP

MINIMUM

AVERAGE

MAXIMUM

$0.50

$0.65

$1.1

A bag of apples costs 36 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 Taguig is around 30%. This means that students spend 30% 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 students