Last update: Oct 2026

Cost of Living Comparison Between Ashford and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,427 in Ashford, rent and utilities included – about $18,100 less a year. Rent and utilities account for most of the difference.

117

Cost of Living Index in Ashford
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Ashford Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Ashford

🇬🇧 United Kingdom

$2,427

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,427 in Ashford versus $918 in Cebu.

Ashford $2,427
Cebu $918

Estimated couple costs with rent: $3,351 in Ashford versus $1,409 in Cebu.

Ashford $3,351
Cebu $1,409

Monthly costs for a family of three with rent: $4,276 in Ashford versus $1,900 in Cebu.

Ashford $4,276
Cebu $1,900

Living in Ashford is roughly 164% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ashford is 80% above, Cebu is 32% below.

Meal at Budget Restaurant

$20.96 £15.73

$3.09 ₱194

578.32%

Three-Course Dinner for Two, Mid-Range

$79.9 £60.0

$24.22 ₱1,525

230.06%

Fast Food Meal (McDonalds, etc)

$10.49 £7.87

$3.92 ₱247

167.60%

Cappuccino

$5.74 £4.30

$2.51 ₱158

128.69%

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

$2.74 £2.05

$1.59 ₱100

72.33%

Water (0.33 liter bottle)

$1.82 £1.37

$0.53 ₱33.43

243.40%

Local Beer (0.5 liter draught)

$3.89 £2.92

$1.78 ₱112

118.54%

Imported Beer (0.33 liter bottle)

$7.09 £5.32

$2.17 ₱137

226.73%

Milk (1 liter)

$1.48 £1.11

$1.92 ₱121

-22.92%

White Bread (500g)

$1.32 £0.99

$1.36 ₱85.4

-2.94%

Rice (white) (1kg)

$1.69 £1.26

$1.01 ₱63.5

67.33%

Eggs

$3.00 £2.25

$2.03 ₱128

47.78%

Local Cheese (1kg)

$5.22 £3.92

$9.86 ₱621

-47.06%

Chicken Fillets (1kg)

$6.91 £5.18

$4.39 ₱277

57.40%

Beef Round Steak (1kg)

$14.39 £10.79

$7.60 ₱479

89.34%

Apples (1kg)

$3.28 £2.46

$3.30 ₱208

-0.61%

Banana (1kg)

$1.44 £1.08

$1.39 ₱87.8

3.60%

Oranges (1kg)

$2.67 £2.01

$2.33 ₱147

14.59%

Tomato (1kg)

$3.17 £2.38

$1.50 ₱94.3

111.33%

Potato (1kg)

$1.67 £1.25

$2.36 ₱149

-29.24%

Onion (1kg)

$1.46 £1.09

$1.90 ₱119

-23.16%

Lettuce (1 head)

$1.44 £1.08

$1.19 ₱74.9

21.01%

Water (1.5 liter bottle)

$1.42 £1.07

$0.63 ₱39.71

125.40%

Cigarettes 20 Pack (Marlboro, Camel)

$18.83 £14.13

$3.00 ₱189

527.67%

Wine (Bottle)

$9.24 £6.93

$6.03 ₱379

53.23%

Local Beer (0.5 liter bottle)

$2.67 £2.00

$1.23 ₱77.7

117.07%

Imported Beer (0.33 liter bottle)

$3.63 £2.73

$1.75 ₱110

107.43%

One-way Ticket (Public Transport)

$3.89 £2.92

$0.25 ₱15.86

1456.00%

Public Transport Monthly Pass (Regular Price)

$146 £110

$12.64 ₱796

1057.75%

Taxi Start (Normal Tariff)

$6.11 £4.58

$0.77 ₱48.62

693.51%

Taxi (Normal Tariff) (1km)

$1.68 £1.26

$0.23 ₱14.53

630.43%

Taxi 1hour Waiting (Normal Tariff)

$21.44 £16.08

$4.46 ₱281

380.72%

Gasoline (1 liter)

$2.07 £1.55

$1.31 ₱82.8

58.02%

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

$35.0K £26.2K

$21.2K ₱1.3M

64.59%

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

$41.1K £30.9K

$19.1K ₱1.2M

114.80%

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

$244 £183

$120 ₱7,569

102.74%

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

$24.30 £18.23

$14.00 ₱882

73.57%

Internet (50+ Mbps, Unlimited Data)

$38.52 £28.90

$27.54 ₱1,734

39.87%

Gym Membership (Monthly)

$61.3 £45.99

$32.33 ₱2,035

89.64%

Tennis Court (1 Hour on Weekend)

$18.74 £14.06

$6.65 ₱419

181.80%

Cinema Ticket

$21.45 £16.10

$5.65 ₱356

279.65%

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

$1,076 £808

$275 ₱17.3K

290.98%

International Primary School, 1 Child (Yearly)

$19.8K £14.9K

$7,918 ₱498.5K

150.29%

Jeans (Levis 501 Or Similar)

$69.5 £52.1

$49.33 ₱3,106

40.83%

Summer Dress (H&M, Zara, etc)

$31.50 £23.63

$25.24 ₱1,589

24.80%

Sport Shoes (Adidas, Nike)

$76.7 £57.6

$77.0 ₱4,846

-0.30%

Men's Leather Business Shoes

$100 £75.1

$57.2 ₱3,601

75.05%

1-bedroom Apartment, City Center (Monthly)

$1,115 £836

$500 ₱31.5K

123.14%

1-bedroom Apartment, Outside City Center (Monthly)

$1,133 £850

$309 ₱19.4K

266.85%

3-bedroom Apartment, City Center (Monthly)

$1,708 £1,282

$1,078 ₱67.9K

58.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,425 £1,069

$615 ₱38.7K

131.62%

Buy Apartment in City Center (m2)

$6,328 £4,748

$2,886 ₱181.7K

119.27%

Buy Apartment Outside City Center (m2)

$4,671 £3,504

$1,917 ₱120.7K

143.71%

Average Monthly Net Salary (After Tax)

$2,452 £1,840

$346 ₱21.8K

608.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.91

7.2

-31.81%

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

Last update for Ashford: 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

Ashford

$1.1K 46.7%

Cebu

$309 33.6% 72.7% $824

Eating Out

Ashford

$320 13.2%

Cebu

$88 9.6% 72.4% $232

Monthly Utilities & Internet

Ashford

$307 12.6%

Cebu

$162 17.6% 47.2% $145

Groceries & Markets

Ashford

$262 10.8%

Cebu

$206 22.4% 21.3% $56

Getting Around

Ashford

$176 7.3%

Cebu

$16 1.7% 91.2% $161

Clothing & Footwear

Ashford

$125 5.2%

Cebu

$94 10.2% 24.9% $31

Sport & Entertainment

Ashford

$104 4.3%

Cebu

$44 4.8% 58.1% $61

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ashford and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Ashford pays 609% 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: $80.0 in Ashford vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $262 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Ashford

🇵🇭 Cebu

🕒 Local time

03:47 3:47 AM

10:47 10:47 AM

7 h ahead of Ashford

🌤 Weather

👥 Population

58,936

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 20, 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 20, 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

Ashford Cebu 11,270 km ≈ 15 h nonstop flight

From you

Ashford
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

Ashford vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and transport. The 164% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 609% higher in Ashford, 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: $1,115 in Ashford versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Cebu – a meal for two runs $24.00 versus $80.0 in Ashford. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,427 per month in Ashford versus $918 in Cebu – a 164% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,427 in Ashford, a $1,500 budget is realistic in Cebu but tight or insufficient in Ashford. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

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

Safety-wise, Ashford 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 164% less than in Ashford. Beyond cost, consider language, visa policies, and how big the international community is in each city.