Last update: Oct 2026

Cost of Living Comparison Between the Andaman Islands and Cebu

For one person, living is cheaper in the Andaman Islands: $363 a month against $915 in Cebu, rent and utilities included – about $6,600 less a year. Rent and utilities account for most of the difference.

17

Cost of Living Index in the Andaman Islands
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Andaman Islands Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Andaman Islands

🇮🇳 India

$363

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

How much you'll spend in the Andaman Islands 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 the Andaman Islands and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $363 in the Andaman Islands versus $915 in Cebu.

Andaman Islands $363
Cebu $915

Estimated couple costs with rent: $567 in the Andaman Islands versus $1,418 in Cebu.

Andaman Islands $567
Cebu $1,418

Monthly costs for a family of three with rent: $772 in the Andaman Islands versus $1,921 in Cebu.

Andaman Islands $772
Cebu $1,921

Living in the Andaman Islands costs roughly 60% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Andaman Islands 73% lower, Cebu 33% lower.

Meal at Budget Restaurant

$2.06 ₹195

$3.05 ₱192

-32.46%

Three-Course Dinner for Two, Mid-Range

$6.13 ₹582

$24.00 ₱1,511

-74.46%

Fast Food Meal (McDonalds, etc)

$3.69 ₹351

$3.99 ₱251

-7.52%

Cappuccino

$1.28 ₹122

$2.50 ₱157

-48.80%

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

$0.71 ₹67.2

$1.54 ₱97.1

-53.90%

Water (0.33 liter bottle)

$0.20 ₹18.84

$0.50 ₱31.37

-60.00%

Local Beer (0.5 liter draught)

$1.45 ₹137

$1.78 ₱112

-18.54%

Imported Beer (0.33 liter bottle)

$2.84 ₹269

$2.17 ₱136

30.88%

Milk (1 liter)

$0.95 ₹90.1

$2.00 ₱126

-52.50%

White Bread (500g)

$0.46 ₹43.52

$1.37 ₱86.2

-66.42%

Rice (white) (1kg)

$0.72 ₹68.2

$1.03 ₱64.9

-30.10%

Eggs

$1.22 ₹116

$2.03 ₱128

-39.90%

Local Cheese (1kg)

$4.42 ₹420

$10.20 ₱642

-56.67%

Chicken Fillets (1kg)

$2.89 ₹275

$4.45 ₱280

-35.06%

Beef Round Steak (1kg)

$7.67 ₱483

Apples (1kg)

$1.98 ₹188

$3.31 ₱208

-40.18%

Banana (1kg)

$0.62 ₹59.3

$1.46 ₱91.8

-57.53%

Oranges (1kg)

$0.89 ₹84.5

$2.32 ₱146

-61.64%

Tomato (1kg)

$0.45 ₹42.72

$1.49 ₱94.0

-69.80%

Potato (1kg)

$0.56 ₹53.2

$2.34 ₱147

-76.07%

Onion (1kg)

$0.40 ₹37.59

$1.94 ₱122

-79.38%

Lettuce (1 head)

$0.47 ₹44.44

$1.16 ₱73.0

-59.48%

Water (1.5 liter bottle)

$0.25 ₹23.77

$0.68 ₱42.89

-63.24%

Cigarettes 20 Pack (Marlboro, Camel)

$5.14 ₹488

$2.99 ₱188

71.91%

Wine (Bottle)

$7.52 ₹714

$6.24 ₱393

20.51%

Local Beer (0.5 liter bottle)

$1.65 ₹157

$1.23 ₱77.3

34.15%

Imported Beer (0.33 liter bottle)

$2.60 ₹247

$1.73 ₱109

50.29%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$5.02 ₹477

One-way Ticket (Public Transport)

$0.25 ₹23.51

$0.23 ₱14.36

8.70%

Public Transport Monthly Pass (Regular Price)

$7.75 ₹736

$12.34 ₱777

-37.20%

Taxi Start (Normal Tariff)

$0.81 ₹76.9

$0.79 ₱49.96

2.53%

Taxi (Normal Tariff) (1km)

$0.27 ₹25.67

$0.22 ₱13.86

22.73%

Taxi 1hour Waiting (Normal Tariff)

$1.56 ₹148

$4.54 ₱286

-65.64%

Gasoline (1 liter)

$1.04 ₹98.8

$1.32 ₱82.9

-21.21%

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

$12.5K ₹1.2M

$21.0K ₱1.3M

-40.36%

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

$19.3K ₹1.8M

$19.4K ₱1.2M

-0.60%

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

$35.05 ₹3,328

$119 ₱7,464

-70.43%

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

$3.40 ₹322

$14.22 ₱896

-76.09%

Internet (50+ Mbps, Unlimited Data)

$6.41 ₹608

$27.47 ₱1,730

-76.67%

Gym Membership (Monthly)

$14.38 ₹1,366

$32.31 ₱2,034

-55.49%

Tennis Court (1 Hour on Weekend)

$6.33 ₹601

$6.50 ₱409

-2.62%

Cinema Ticket

$2.42 ₹230

$5.40 ₱340

-55.19%

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

$47.89 ₹4,547

$276 ₱17.4K

-82.65%

International Primary School, 1 Child (Yearly)

$1,409 ₹133.8K

$7,866 ₱495.3K

-82.08%

Jeans (Levis 501 Or Similar)

$21.96 ₹2,085

$49.37 ₱3,108

-55.52%

Summer Dress (H&M, Zara, etc)

$23.14 ₹2,198

$24.58 ₱1,548

-5.86%

Sport Shoes (Adidas, Nike)

$38.59 ₹3,665

$76.6 ₱4,825

-49.65%

Men's Leather Business Shoes

$27.98 ₹2,657

$58.9 ₱3,706

-52.46%

1-bedroom Apartment, City Center (Monthly)

$123 ₹11.7K

$503 ₱31.7K

-75.54%

1-bedroom Apartment, Outside City Center (Monthly)

$73.4 ₹6,967

$305 ₱19.2K

-75.91%

3-bedroom Apartment, City Center (Monthly)

$261 ₹24.8K

$1,075 ₱67.7K

-75.68%

3-bedroom Apartment, Outside City Center (Monthly)

$172 ₹16.4K

$632 ₱39.8K

-72.75%

Buy Apartment in City Center (m2)

$985 ₹93.6K

$2,870 ₱180.7K

-65.67%

Buy Apartment Outside City Center (m2)

$523 ₹49.7K

$1,877 ₱118.2K

-72.13%

Average Monthly Net Salary (After Tax)

$282 ₹26.8K

$336 ₱21.1K

-15.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.86

7.2

23.06%

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

Last update for the Andaman Islands: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Andaman Islands

$105 28.9%

Cebu

$210 22.9% 99.9% $105

Accommodation & Living

Andaman Islands

$73 20.2%

Cebu

$305 33.3% 315% $231

Eating Out

Andaman Islands

$59 16.4%

Cebu

$88 9.6% 47.7% $28

Clothing & Footwear

Andaman Islands

$50 13.9%

Cebu

$94 10.3% 87.5% $44

Monthly Utilities & Internet

Andaman Islands

$45 12.4%

Cebu

$160 17.5% 257% $115

Sport & Entertainment

Andaman Islands

$19 5.3%

Cebu

$43 4.7% 124% $24

Getting Around

Andaman Islands

$11 3%

Cebu

$15 1.7% 39% $4.3

Cost Breakdown

A one-bedroom apartment in the center runs $123 in the Andaman Islands and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 19% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $6.00 in the Andaman Islands vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $105 vs $210 per month, with the Andaman Islands cheaper across the board.

Good to know

🇮🇳 Andaman Islands

🇵🇭 Cebu

🕒 Local time

21:49 9:49 PM

00:19 12:19 AM

2 h 30 min ahead of the Andaman Islands

🌤 Weather

👥 Population

343,125

964,169

💱 Currency

Indian Rupee INR ₹

Philippine Peso PHP ₱

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 22, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

Philippine Peso exchange rates as of October 22, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Andaman Islands Cebu 3,390 km ≈ 4 h 45 min nonstop flight

From you

Andaman Islands
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

Andaman Islands vs Cebu: Cost of Living - Frequently Asked Questions

Andaman Islands is cheaper overall, especially in groceries, eating out, and clothing. The 152% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 19% lower in Cebu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $123 in the Andaman Islands versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in the Andaman Islands runs roughly 59% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $47.89 in the Andaman Islands versus $276 in Cebu. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Either city works on $1,000 a month, though Andaman Islands gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Andaman Islands is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Andaman Islands and Cebu are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Andaman Islands gentler on the wallet – expenses run 152% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.