Last update: Oct 2026

Cost of Living Comparison Between Accra and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,073 in Accra, rent and utilities included – about $1,700 less a year. The total is higher in Accra despite lower rent and utilities.

52

Cost of Living Index in Accra
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Accra Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Accra

🇬🇭 Ghana

$1,073

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

How much you'll spend in Accra and in Cebu

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Accra and in Cebu actually costs, broken down by who's living it.

A single person spends $1,073 per month in Accra vs $934 in Cebu, rent included.

Accra $1,073
Cebu $934

A couple spends around $1,700 per month in Accra vs $1,415 in Cebu, rent included.

Accra $1,700
Cebu $1,415

A family of three spends $2,327 per month in Accra vs $1,896 in Cebu, rent included.

Accra $2,327
Cebu $1,896

Accra costs about 15% more than Cebu, and outside of rent the biggest gap is in eating out.

Both Accra and Cebu are more affordable than the global median – Accra 20% lower, Cebu 30% lower.

Meal at Budget Restaurant

$8.11 GHS 95.1

$3.03 ₱191

167.66%

Three-Course Dinner for Two, Mid-Range

$51.8 GHS 608

$23.48 ₱1,476

120.70%

Fast Food Meal (McDonalds, etc)

$10.46 GHS 123

$4.09 ₱257

155.75%

Cappuccino

$4.51 GHS 52.9

$2.52 ₱158

78.97%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.54 GHS 18.10

$1.54 ₱97.2

Water (0.33 liter bottle)

$0.45 GHS 5.24

$0.49 ₱31.06

-8.16%

Local Beer (0.5 liter draught)

$1.86 GHS 21.84

$1.79 ₱113

3.91%

Imported Beer (0.33 liter bottle)

$2.24 GHS 26.29

$2.26 ₱142

-0.88%

Milk (1 liter)

$3.61 GHS 42.37

$1.95 ₱122

85.13%

White Bread (500g)

$1.59 GHS 18.64

$1.43 ₱89.9

11.19%

Rice (white) (1kg)

$3.19 GHS 37.42

$1.02 ₱64.0

212.75%

Eggs

$2.58 GHS 30.24

$2.06 ₱129

25.24%

Local Cheese (1kg)

$11.93 GHS 140

$9.81 ₱617

21.61%

Chicken Fillets (1kg)

$7.02 GHS 82.3

$4.61 ₱290

52.28%

Beef Round Steak (1kg)

$9.91 GHS 116

$7.70 ₱484

28.70%

Apples (1kg)

$3.69 GHS 43.24

$3.31 ₱208

11.48%

Banana (1kg)

$1.40 GHS 16.41

$1.45 ₱91.2

-3.45%

Oranges (1kg)

$1.78 GHS 20.85

$2.36 ₱148

-24.58%

Tomato (1kg)

$3.68 GHS 43.12

$1.54 ₱96.6

138.96%

Potato (1kg)

$2.64 GHS 31.00

$2.36 ₱148

11.86%

Onion (1kg)

$2.62 GHS 30.68

$1.99 ₱125

31.66%

Lettuce (1 head)

$0.76 GHS 8.86

$1.15 ₱72.3

-33.91%

Water (1.5 liter bottle)

$0.59 GHS 6.97

$0.67 ₱42.26

-11.94%

Cigarettes 20 Pack (Marlboro, Camel)

$2.50 GHS 29.32

$3.00 ₱189

-16.67%

Wine (Bottle)

$7.33 GHS 86.0

$6.35 ₱399

15.43%

Local Beer (0.5 liter bottle)

$1.28 GHS 14.99

$1.31 ₱82.1

-2.29%

Imported Beer (0.33 liter bottle)

$2.29 GHS 26.89

$1.73 ₱109

32.37%

One-way Ticket (Public Transport)

$1.47 GHS 17.28

$0.25 ₱15.82

488.00%

Public Transport Monthly Pass (Regular Price)

$40.26 GHS 472

$12.65 ₱796

218.26%

Taxi Start (Normal Tariff)

$1.72 GHS 20.23

$0.74 ₱46.44

132.43%

Taxi (Normal Tariff) (1km)

$1.25 GHS 14.70

$0.21 ₱13.15

495.24%

Taxi 1hour Waiting (Normal Tariff)

$4.16 GHS 48.79

$4.33 ₱272

-3.93%

Gasoline (1 liter)

$1.28 GHS 15.06

$1.33 ₱83.7

-3.76%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$8,061 GHS 94.6K

$21.8K ₱1.4M

-62.96%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$9,921 GHS 116.4K

$19.4K ₱1.2M

-48.86%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$74.8 GHS 877

$121 ₱7,583

-38.01%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$18.90 GHS 222

$14.45 ₱909

30.80%

Internet (50+ Mbps, Unlimited Data)

$41.82 GHS 491

$28.29 ₱1,779

47.83%

Gym Membership (Monthly)

$71.6 GHS 840

$32.68 ₱2,055

119.03%

Tennis Court (1 Hour on Weekend)

$18.07 GHS 212

$6.39 ₱402

182.79%

Cinema Ticket

$12.59 GHS 148

$5.46 ₱343

130.59%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$470 GHS 5,510

$273 ₱17.2K

71.82%

International Primary School, 1 Child (Yearly)

$18.6K GHS 218.4K

$8,156 ₱512.9K

128.24%

Jeans (Levis 501 Or Similar)

$14.28 GHS 167

$49.57 ₱3,117

-71.19%

Summer Dress (H&M, Zara, etc)

$18.36 GHS 215

$24.87 ₱1,564

-26.18%

Sport Shoes (Adidas, Nike)

$36.02 GHS 423

$76.6 ₱4,817

-52.97%

Men's Leather Business Shoes

$52.4 GHS 615

$59.3 ₱3,727

-11.56%

1-bedroom Apartment, City Center (Monthly)

$691 GHS 8,109

$506 ₱31.8K

36.71%

1-bedroom Apartment, Outside City Center (Monthly)

$280 GHS 3,286

$309 ₱19.5K

-9.47%

3-bedroom Apartment, City Center (Monthly)

$1,092 GHS 12.8K

$1,052 ₱66.1K

3.81%

3-bedroom Apartment, Outside City Center (Monthly)

$467 GHS 5,480

$619 ₱38.9K

-24.53%

Buy Apartment in City Center (m2)

$2,799 GHS 32.8K

$2,915 ₱183.4K

-4.01%

Buy Apartment Outside City Center (m2)

$1,424 GHS 16.7K

$1,867 ₱117.4K

-23.72%

Average Monthly Net Salary (After Tax)

$175 GHS 2,048

$341 ₱21.5K

-48.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

7.2

271.53%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Accra: October 4, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Accra

$280 26.2%

Cebu

$309 33.5% 10.5% $29

Groceries & Markets

Accra

$277 25.9%

Cebu

$210 22.7% 24% $67

Eating Out

Accra

$172 16.1%

Cebu

$88 9.6% 48.7% $84

Monthly Utilities & Internet

Accra

$135 12.7%

Cebu

$163 17.7% 20.5% $28

Sport & Entertainment

Accra

$97 9%

Cebu

$44 4.7% 54.9% $53

Clothing & Footwear

Accra

$54 5.1%

Cebu

$95 10.2% 73.7% $40

Getting Around

Accra

$54 5.1%

Cebu

$15 1.7% 71.5% $39

Cost Breakdown

A central one-bedroom costs $691 in Accra versus $506 in Cebu. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 95% higher in Cebu, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $52.0 in Accra versus $23.00 in Cebu. Monthly groceries follow the same trend: $277 vs $210 – making Cebu the more affordable choice for daily food spending.

Good to know

🇬🇭 Accra

🇵🇭 Cebu

🕒 Local time

02:46 2:46 AM

10:46 10:46 AM

8 h ahead of Accra

🌤 Weather

👥 Population

2,388,000 Capital

964,169

💱 Currency

Ghanaian Cedi GHS ₵

Philippine Peso PHP ₱

📈 Exchange rate

100 GHS = 8.53 USD

100 GHS = 7.6 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 10, 2026: 1 USD = 11.73 GHS (100 GHS = 8.53 USD). 1 EUR = 13.16 GHS (100 GHS = 7.6 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Accra Cebu 13,580 km ≈ 17 h nonstop flight

From you

Accra
Cebu

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Accra vs Cebu: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,073 in Accra, $934 in Cebu – roughly 15% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,610 per month in Accra and $1,401 in Cebu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cebu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 32% more in Accra, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $52.0 in Accra and $23.00 in Cebu. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $934, than in Accra at $1,073. In Cebu it covers expenses comfortably, while in Accra it requires careful planning or may not stretch far enough.

It depends on your priorities. Cebu has an edge in some lifestyle areas, with costs from $934 in Cebu to $1,073 in Accra. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Cebu. If higher salaries, better infrastructure, or specific career opportunities are the priority, Accra makes more sense. Both are solid long-term options with distinct trade-offs.