Last update: Oct 2026

Cost of Living Comparison Between Andover and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,503 in Andover, rent and utilities included – about $19,000 less a year. Rent and utilities account for most of the difference.

121

Cost of Living Index in Andover
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Andover Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Andover

🇬🇧 United Kingdom

$2,503

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,503 in Andover versus $918 in Cebu.

Andover $2,503
Cebu $918

Estimated couple costs with rent: $3,471 in Andover versus $1,409 in Cebu.

Andover $3,471
Cebu $1,409

Monthly costs for a family of three with rent: $4,440 in Andover versus $1,900 in Cebu.

Andover $4,440
Cebu $1,900

Living in Andover is roughly 173% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Andover is 85% above, Cebu is 32% below.

Meal at Budget Restaurant

$12.71 £9.53

$3.09 ₱194

311.33%

Three-Course Dinner for Two, Mid-Range

$39.44 £29.59

$24.22 ₱1,525

62.84%

Fast Food Meal (McDonalds, etc)

$10.45 £7.84

$3.92 ₱247

166.58%

Cappuccino

$4.53 £3.40

$2.51 ₱158

80.48%

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

$1.92 £1.44

$1.59 ₱100

20.75%

Water (0.33 liter bottle)

$1.48 £1.11

$0.53 ₱33.43

179.25%

Local Beer (0.5 liter draught)

$4.37 £3.28

$1.78 ₱112

145.51%

Imported Beer (0.33 liter bottle)

$5.71 £4.28

$2.17 ₱137

163.13%

Milk (1 liter)

$1.70 £1.28

$1.92 ₱121

-11.46%

White Bread (500g)

$1.58 £1.19

$1.36 ₱85.4

16.18%

Rice (white) (1kg)

$1.89 £1.42

$1.01 ₱63.5

87.13%

Eggs

$4.27 £3.21

$2.03 ₱128

110.34%

Local Cheese (1kg)

$11.96 £8.97

$9.86 ₱621

21.30%

Chicken Fillets (1kg)

$8.55 £6.41

$4.39 ₱277

94.76%

Beef Round Steak (1kg)

$14.81 £11.11

$7.60 ₱479

94.87%

Apples (1kg)

$3.45 £2.59

$3.30 ₱208

4.55%

Banana (1kg)

$1.70 £1.28

$1.39 ₱87.8

22.30%

Oranges (1kg)

$2.60 £1.95

$2.33 ₱147

11.59%

Tomato (1kg)

$3.08 £2.31

$1.50 ₱94.3

105.33%

Potato (1kg)

$1.75 £1.31

$2.36 ₱149

-25.85%

Onion (1kg)

$1.25 £0.94

$1.90 ₱119

-34.21%

Lettuce (1 head)

$1.21 £0.91

$1.19 ₱74.9

1.68%

Water (1.5 liter bottle)

$1.66 £1.24

$0.63 ₱39.71

163.49%

Cigarettes 20 Pack (Marlboro, Camel)

$21.98 £16.49

$3.00 ₱189

632.67%

Wine (Bottle)

$11.07 £8.30

$6.03 ₱379

83.58%

Local Beer (0.5 liter bottle)

$2.68 £2.01

$1.23 ₱77.7

117.89%

Imported Beer (0.33 liter bottle)

$1.84 £1.38

$1.75 ₱110

5.14%

One-way Ticket (Public Transport)

$3.27 £2.45

$0.25 ₱15.86

1208.00%

Public Transport Monthly Pass (Regular Price)

$47.60 £35.71

$12.64 ₱796

276.58%

Taxi Start (Normal Tariff)

$4.87 £3.66

$0.77 ₱48.62

532.47%

Taxi (Normal Tariff) (1km)

$3.22 £2.42

$0.23 ₱14.53

1300.00%

Taxi 1hour Waiting (Normal Tariff)

$41.91 £31.44

$4.46 ₱281

839.69%

Gasoline (1 liter)

$2.09 £1.57

$1.31 ₱82.8

59.54%

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

$35.6K £26.7K

$21.2K ₱1.3M

67.50%

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

$40.9K £30.7K

$19.1K ₱1.2M

113.78%

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

$341 £256

$120 ₱7,569

184.01%

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

$17.90 £13.43

$14.00 ₱882

27.86%

Internet (50+ Mbps, Unlimited Data)

$43.97 £32.98

$27.54 ₱1,734

59.66%

Gym Membership (Monthly)

$43.41 £32.56

$32.33 ₱2,035

34.27%

Tennis Court (1 Hour on Weekend)

$9.27 £6.95

$6.65 ₱419

39.40%

Cinema Ticket

$14.37 £10.78

$5.65 ₱356

154.34%

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

$2,264 £1,698

$275 ₱17.3K

722.28%

International Primary School, 1 Child (Yearly)

$15.1K £11.3K

$7,918 ₱498.5K

90.76%

Jeans (Levis 501 Or Similar)

$85.7 £64.3

$49.33 ₱3,106

73.77%

Summer Dress (H&M, Zara, etc)

$47.03 £35.29

$25.24 ₱1,589

86.33%

Sport Shoes (Adidas, Nike)

$91.0 £68.3

$77.0 ₱4,846

18.30%

Men's Leather Business Shoes

$62.4 £46.83

$57.2 ₱3,601

9.13%

1-bedroom Apartment, City Center (Monthly)

$1,385 £1,039

$500 ₱31.5K

177.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,277 £958

$309 ₱19.4K

313.53%

3-bedroom Apartment, City Center (Monthly)

$1,912 £1,435

$1,078 ₱67.9K

77.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,040 £1,530

$615 ₱38.7K

231.54%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$2,943 £2,208

$346 ₱21.8K

750.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.25

7.2

-40.97%

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

Last update for Andover: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Andover

$1.3K 51%

Cebu

$309 33.6% 75.8% $968

Monthly Utilities & Internet

Andover

$403 16.1%

Cebu

$162 17.6% 59.9% $242

Groceries & Markets

Andover

$305 12.2%

Cebu

$206 22.4% 32.6% $100

Eating Out

Andover

$234 9.4%

Cebu

$88 9.6% 62.3% $146

Clothing & Footwear

Andover

$129 5.2%

Cebu

$94 10.2% 27.1% $35

Getting Around

Andover

$82 3.3%

Cebu

$16 1.7% 80.9% $66

Sport & Entertainment

Andover

$72 2.9%

Cebu

$44 4.8% 39.5% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,385 in Andover and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Andover pays 751% 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: $39.00 in Andover vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $305 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Andover

🇵🇭 Cebu

🕒 Local time

13:25 1:25 PM

20:25 8:25 PM

7 h ahead of Andover

🌤 Weather

👥 Population

37,851

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 19, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GBP in detail →

On the map

Lowest

Highest

Between locations

Andover Cebu 11,410 km ≈ 15 h nonstop flight

From you

Andover
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

Andover vs Cebu: Cost of Living - Frequently Asked Questions

Andover and Cebu differ by about 173% in total monthly costs ($2,503 vs $918 including rent). Cebu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 751% higher in Andover, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,385 in Andover versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,503 per month in Andover versus $918 in Cebu – a 173% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 277% less than in Andover. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,503 in Andover, a $1,500 budget is realistic in Cebu but tight or insufficient in Andover. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Andover 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 Cebu gentler on the wallet – expenses run 173% less than in Andover. Beyond cost, consider language, visa policies, and how big the international community is in each city.