Last update: Oct 2026

Cost of Living Comparison Between Arnhem and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,578 in Arnhem, rent and utilities included – about $19,700 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Arnhem
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Arnhem Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Arnhem

🇳🇱 Netherlands

$2,578

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,578 in Arnhem versus $934 in Cebu.

Arnhem $2,578
Cebu $934

Estimated couple costs with rent: $3,771 in Arnhem versus $1,415 in Cebu.

Arnhem $3,771
Cebu $1,415

Monthly costs for a family of three with rent: $4,963 in Arnhem versus $1,896 in Cebu.

Arnhem $4,963
Cebu $1,896

Living in Arnhem is roughly 176% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Arnhem is 92% above, Cebu is 30% below.

Meal at Budget Restaurant

$22.70 €20.26

$3.03 ₱190

649.17%

Three-Course Dinner for Two, Mid-Range

$87.4 €78.0

$23.48 ₱1,473

272.36%

Fast Food Meal (McDonalds, etc)

$13.44 €11.99

$4.09 ₱256

228.61%

Cappuccino

$4.16 €3.71

$2.52 ₱158

65.08%

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

$3.29 €2.93

$1.54 ₱96.9

113.64%

Water (0.33 liter bottle)

$2.85 €2.54

$0.49 ₱30.98

481.63%

Local Beer (0.5 liter draught)

$5.65 €5.04

$1.79 ₱112

215.64%

Imported Beer (0.33 liter bottle)

$5.74 €5.12

$2.26 ₱142

153.98%

Milk (1 liter)

$1.43 €1.27

$1.95 ₱122

-26.67%

White Bread (500g)

$2.07 €1.85

$1.43 ₱89.7

44.76%

Rice (white) (1kg)

$2.33 €2.08

$1.02 ₱63.8

128.43%

Eggs

$5.39 €4.81

$2.06 ₱129

161.65%

Local Cheese (1kg)

$12.96 €11.57

$9.81 ₱615

32.11%

Chicken Fillets (1kg)

$14.57 €13.01

$4.61 ₱289

216.05%

Beef Round Steak (1kg)

$15.70 €14.01

$7.70 ₱483

103.90%

Apples (1kg)

$2.74 €2.44

$3.31 ₱207

-17.22%

Banana (1kg)

$2.51 €2.24

$1.45 ₱90.9

73.10%

Oranges (1kg)

$1.83 €1.64

$2.36 ₱148

-22.46%

Tomato (1kg)

$5.56 €4.96

$1.54 ₱96.4

261.04%

Potato (1kg)

$1.89 €1.68

$2.36 ₱148

-19.92%

Onion (1kg)

$2.36 €2.11

$1.99 ₱125

18.59%

Lettuce (1 head)

$1.28 €1.14

$1.15 ₱72.1

11.30%

Water (1.5 liter bottle)

$0.72 €0.64

$0.67 ₱42.15

7.46%

Cigarettes 20 Pack (Marlboro, Camel)

$14.29 €12.75

$3.00 ₱188

376.33%

Wine (Bottle)

$7.01 €6.26

$6.35 ₱398

10.39%

Local Beer (0.5 liter bottle)

$1.45 €1.30

$1.31 ₱81.9

10.69%

Imported Beer (0.33 liter bottle)

$2.65 €2.37

$1.73 ₱108

53.18%

One-way Ticket (Public Transport)

$4.50 €4.02

$0.25 ₱15.78

1700.00%

Public Transport Monthly Pass (Regular Price)

$110 €98.5

$12.65 ₱793

772.73%

Taxi Start (Normal Tariff)

$4.05 €3.62

$0.74 ₱46.32

447.30%

Taxi (Normal Tariff) (1km)

$2.38 €2.12

$0.21 ₱13.11

1033.33%

Taxi 1hour Waiting (Normal Tariff)

$33.37 €29.78

$4.33 ₱271

670.67%

Gasoline (1 liter)

$2.49 €2.22

$1.33 ₱83.5

87.22%

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

$40.7K €36.3K

$21.8K ₱1.4M

87.07%

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

$38.8K €34.7K

$19.4K ₱1.2M

100.22%

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

$283 €253

$121 ₱7,563

134.93%

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

$23.28 €20.78

$14.45 ₱907

61.11%

Internet (50+ Mbps, Unlimited Data)

$42.42 €37.86

$28.29 ₱1,774

49.95%

Gym Membership (Monthly)

$41.76 €37.27

$32.68 ₱2,050

27.78%

Tennis Court (1 Hour on Weekend)

$11.05 €9.86

$6.39 ₱401

72.93%

Cinema Ticket

$14.48 €12.92

$5.46 ₱342

165.20%

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

$1,233 €1,100

$273 ₱17.1K

350.99%

International Primary School, 1 Child (Yearly)

$5,877 €5,245

$8,156 ₱511.5K

-27.94%

Jeans (Levis 501 Or Similar)

$97.6 €87.1

$49.57 ₱3,109

96.81%

Summer Dress (H&M, Zara, etc)

$29.21 €26.06

$24.87 ₱1,560

17.45%

Sport Shoes (Adidas, Nike)

$105 €93.7

$76.6 ₱4,804

37.02%

Men's Leather Business Shoes

$154 €138

$59.3 ₱3,717

160.68%

1-bedroom Apartment, City Center (Monthly)

$1,431 €1,277

$506 ₱31.7K

183.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,181 €1,054

$309 ₱19.4K

281.62%

3-bedroom Apartment, City Center (Monthly)

$2,217 €1,979

$1,052 ₱66.0K

110.83%

3-bedroom Apartment, Outside City Center (Monthly)

$1,793 €1,600

$619 ₱38.8K

189.59%

Buy Apartment in City Center (m2)

$5,196 €4,637

$2,915 ₱182.9K

78.23%

Buy Apartment Outside City Center (m2)

$4,230 €3,775

$1,867 ₱117.1K

126.55%

Average Monthly Net Salary (After Tax)

$3,648 €3,255

$341 ₱21.4K

969.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.95

7.2

-45.14%

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

Last update for Arnhem: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Arnhem

$1.2K 45.5%

Cebu

$309 33.5% 73.8% $871

Monthly Utilities & Internet

Arnhem

$349 13.5%

Cebu

$163 17.7% 53.2% $186

Groceries & Markets

Arnhem

$339 13.1%

Cebu

$210 22.7% 38% $129

Eating Out

Arnhem

$336 13%

Cebu

$88 9.6% 73.7% $248

Clothing & Footwear

Arnhem

$174 6.7%

Cebu

$95 10.2% 45.5% $79

Getting Around

Arnhem

$144 5.6%

Cebu

$15 1.7% 89.3% $129

Sport & Entertainment

Arnhem

$71 2.7%

Cebu

$44 4.7% 38.4% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,431 in Arnhem and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Arnhem pays 969% 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: $87.0 in Arnhem vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $339 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇳🇱 Arnhem

🇵🇭 Cebu

🕒 Local time

07:21 7:21 AM

13:21 1:21 PM

6 h ahead of Arnhem

🌤 Weather

👥 Population

165,770

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Arnhem Cebu 10,930 km ≈ 14 h nonstop flight

From you

Arnhem
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

Arnhem vs Cebu: Cost of Living - Frequently Asked Questions

Arnhem and Cebu differ by about 176% in total monthly costs ($2,578 vs $934 including rent). Cebu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 969% higher in Arnhem, 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: $1,431 in Arnhem versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 61% higher in Arnhem. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cebu – a meal for two runs $23.00 versus $87.0 in Arnhem. If you eat out regularly, this makes a real dent in your monthly spending.

At $934 in Cebu versus $2,578 in Arnhem, a $1,500 budget is realistic in Cebu but tight or insufficient in Arnhem. 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, Arnhem 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 176% less than in Arnhem. Beyond cost, consider language, visa policies, and how big the international community is in each city.