Iloilo vs. An Najaf: Detailed 2026 Cost of Living & Quality Comparison

This report provides a detailed comparison of the cost of living and quality of life between Iloilo, Philippines, and An Najaf, Iraq, based on data from 2026. Both cities present distinct profiles, with Iloilo offering a lower cost of living but potentially lower quality of life in certain areas, while An Najaf has a higher cost of living but generally higher quality of life metrics. Key factors such as income, housing, transportation, food, healthcare, and safety will be analyzed to help determine which city might better suit individual needs and priorities.

The cost of living in An Najaf is significantly higher than in Iloilo, with most categories reflecting this disparity. Groceries, transportation, utilities, and entertainment are all more expensive in An Najaf. For example, a monthly grocery budget for a family of four would be approximately $456.00 in Iloilo versus $800.00 in An Najaf. Public transportation costs are also higher in An Najaf, with a monthly pass costing $30.00 compared to $12.66 in Iloilo. However, salaries in An Najaf are higher, with an average net monthly income of $737.70 compared to $456.00 in Iloilo. This higher income may offset some of the increased living costs, but careful budgeting would still be necessary.

Housing costs in An Najaf are generally higher than in Iloilo. A one-bedroom apartment in the city center costs approximately $1,147 per month in Iloilo, while in An Najaf, the same apartment would cost around $3,147 per month. Property prices per square meter are also higher in An Najaf, with city-center prices at $1,248 compared to $1,147 in Iloilo. However, the higher salaries in An Najaf may make housing more affordable in practice, though renters should still budget carefully.

Transportation costs vary significantly between the two cities. In Iloilo, a taxi ride for one kilometer costs approximately $0.50, while in An Najaf, the same ride costs $0.77. A monthly public transport pass in Iloilo costs $12.66, which is much cheaper than the $30.00 pass in An Najaf. Utilities, including electricity, water, and internet, are also more expensive in An Najaf. A basic monthly utility bill for an 85 m² apartment in Iloilo costs $60.20, while in An Najaf, it is $124.50.

Childcare costs are considerably higher in An Najaf. A private preschool costs approximately $456.00 per month in Iloilo, while in An Najaf, the cost is $181.82 per month. International school fees are also higher in An Najaf, with an annual tuition of $916.37 compared to $456.00 in Iloilo. Families with children should factor these costs into their budget when deciding between the two cities.

Quality of life metrics differ significantly between the two cities. An Najaf scores higher in most quality-of-life indices, including healthcare, safety, and public services. The healthcare index in An Najaf is 70.0, compared to 60.0 in Iloilo. Safety is also a key differentiator, with An Najaf having a higher safety index due to better public security and infrastructure. However, Iloilo offers a lower cost of living and a more relaxed lifestyle, which may appeal to those prioritizing affordability over higher quality of life.

An Najaf has a higher GDP per capita ($12,700) compared to Iloilo ($6,700), indicating a stronger economy and more job opportunities. The annual mortgage interest rate in An Najaf is 3.65%, which is lower than the 5.00% rate in Iloilo. This lower interest rate could make property ownership more accessible for those with stable incomes. However, the economic stability of An Najaf may be influenced by regional political and economic conditions, which could affect long-term financial planning.

Iloilo offers a lower cost of living and is more affordable for daily expenses, housing, and transportation. However, An Najaf provides a higher quality of life, better healthcare, and higher salaries, making it a more attractive option for those seeking better economic opportunities and public services. The decision between the two cities depends on individual priorities. Those prioritizing affordability and a lower cost of living may prefer Iloilo, while those seeking a higher quality of life and better economic prospects may find An Najaf more suitable.