Last update: Oct 2026

Cost of Living Comparison Between Bagamoyo and Cebu

For one person, living is cheaper in Bagamoyo: $386 a month against $918 in Cebu, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

19

Cost of Living Index in Bagamoyo
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Bagamoyo Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Bagamoyo

🇹🇿 Tanzania

$386

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $386 in Bagamoyo versus $918 in Cebu.

Bagamoyo $386
Cebu $918

Estimated couple costs with rent: $649 in Bagamoyo versus $1,409 in Cebu.

Bagamoyo $649
Cebu $1,409

Monthly costs for a family of three with rent: $912 in Bagamoyo versus $1,900 in Cebu.

Bagamoyo $912
Cebu $1,900

Living in Bagamoyo costs roughly 58% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Bagamoyo 71% lower, Cebu 32% lower.

Meal at Budget Restaurant

$1.91 TZS 4,990

$3.09 ₱194

-38.19%

Three-Course Dinner for Two, Mid-Range

$11.59 TZS 30.4K

$24.22 ₱1,525

-52.15%

Fast Food Meal (McDonalds, etc)

$7.49 TZS 19.6K

$3.92 ₱247

91.07%

Cappuccino

$1.94 TZS 5,070

$2.51 ₱158

-22.71%

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

$0.33 TZS 863

$1.59 ₱100

-79.25%

Water (0.33 liter bottle)

$0.22 TZS 569

$0.53 ₱33.43

-58.49%

Local Beer (0.5 liter draught)

$0.93 TZS 2,424

$1.78 ₱112

-47.75%

Imported Beer (0.33 liter bottle)

$1.91 TZS 4,995

$2.17 ₱137

-11.98%

Milk (1 liter)

$0.78 TZS 2,036

$1.92 ₱121

-59.38%

White Bread (500g)

$0.60 TZS 1,583

$1.36 ₱85.4

-55.88%

Rice (white) (1kg)

$0.39 TZS 1,029

$1.01 ₱63.5

-61.39%

Eggs

$1.93 TZS 5,062

$2.03 ₱128

-4.93%

Local Cheese (1kg)

$9.19 TZS 24.1K

$9.86 ₱621

-6.80%

Chicken Fillets (1kg)

$4.83 TZS 12.6K

$4.39 ₱277

10.02%

Beef Round Steak (1kg)

$3.93 TZS 10.3K

$7.60 ₱479

-48.29%

Apples (1kg)

$2.49 TZS 6,519

$3.30 ₱208

-24.55%

Banana (1kg)

$0.97 TZS 2,547

$1.39 ₱87.8

-30.22%

Oranges (1kg)

$1.08 TZS 2,821

$2.33 ₱147

-53.65%

Tomato (1kg)

$0.55 TZS 1,434

$1.50 ₱94.3

-63.33%

Potato (1kg)

$0.31 TZS 814

$2.36 ₱149

-86.86%

Onion (1kg)

$0.29 TZS 758

$1.90 ₱119

-84.74%

Lettuce (1 head)

$0.81 TZS 2,109

$1.19 ₱74.9

-31.93%

Water (1.5 liter bottle)

$0.36 TZS 948

$0.63 ₱39.71

-42.86%

Cigarettes 20 Pack (Marlboro, Camel)

$2.06 TZS 5,392

$3.00 ₱189

-31.33%

Wine (Bottle)

$7.24 TZS 19.0K

$6.03 ₱379

20.07%

Local Beer (0.5 liter bottle)

$0.94 TZS 2,454

$1.23 ₱77.7

-23.58%

Imported Beer (0.33 liter bottle)

$1.62 TZS 4,231

$1.75 ₱110

-7.43%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$1.70 TZS 4,447

$0.77 ₱48.62

120.78%

Taxi (Normal Tariff) (1km)

$1.55 TZS 4,055

$0.23 ₱14.53

573.91%

Taxi 1hour Waiting (Normal Tariff)

$13.09 TZS 34.3K

$4.46 ₱281

193.50%

Gasoline (1 liter)

$1.41 TZS 3,694

$1.31 ₱82.8

7.63%

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

$16.9K TZS 44.2M

$21.2K ₱1.3M

-20.55%

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

$26.4K TZS 69.2M

$19.1K ₱1.2M

37.96%

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

$57.7 TZS 151.1K

$120 ₱7,569

-52.02%

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

$4.81 TZS 12.6K

$14.00 ₱882

-65.64%

Internet (50+ Mbps, Unlimited Data)

$22.79 TZS 59.7K

$27.54 ₱1,734

-17.25%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.25 TZS 13.7K

$5.65 ₱356

-7.08%

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

$560 TZS 1.5M

$275 ₱17.3K

103.30%

International Primary School, 1 Child (Yearly)

$13.3K TZS 34.9M

$7,918 ₱498.5K

68.17%

Jeans (Levis 501 Or Similar)

$15.63 TZS 40.9K

$49.33 ₱3,106

-68.32%

Summer Dress (H&M, Zara, etc)

$25.86 TZS 67.7K

$25.24 ₱1,589

2.46%

Sport Shoes (Adidas, Nike)

$44.92 TZS 117.6K

$77.0 ₱4,846

-41.63%

Men's Leather Business Shoes

$59.3 TZS 155.4K

$57.2 ₱3,601

3.72%

1-bedroom Apartment, City Center (Monthly)

$57.0 TZS 149.2K

$500 ₱31.5K

-88.60%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$232 TZS 607.1K

$1,078 ₱67.9K

-78.49%

3-bedroom Apartment, Outside City Center (Monthly)

$113 TZS 296.1K

$615 ₱38.7K

-81.63%

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)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

18.25

7.2

153.47%

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

Last update for Bagamoyo: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Bagamoyo

$143 37.2%

Cebu

$206 22.4% 43.6% $62

Monthly Utilities & Internet

Bagamoyo

$85 22.1%

Cebu

$162 17.6% 89.7% $76

Eating Out

Bagamoyo

$72 18.6%

Cebu

$88 9.6% 23.3% $17

Clothing & Footwear

Bagamoyo

$66 17%

Cebu

$94 10.2% 43.2% $28

Sport & Entertainment

Bagamoyo

$10 * 2.7%

Cebu

$44 4.8% 316% $33

Getting Around

Bagamoyo

$9.4 * 2.5%

Cebu

$16 1.7% 64.9% $6.1

Accommodation & Living

Bagamoyo

- * 0%

Cebu

$309 33.6%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $57.0 in Bagamoyo and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $12.00 in Bagamoyo vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $143 vs $206 per month, with Bagamoyo cheaper across the board.

Good to know

🇹🇿 Bagamoyo

🇵🇭 Cebu

🕒 Local time

16:53 4:53 PM

21:53 9:53 PM

5 h ahead of Bagamoyo

🌤 Weather

👥 Population

55,000

964,169

💱 Currency

Tanzanian Shilling TZS Sh

Philippine Peso PHP ₱

📈 Exchange rate

10,000 TZS = 3.82 USD

10,000 TZS = 3.4 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to TZS – Tanzanian Shilling Converter

🇺🇸 United States Dollar ($)

🇹🇿 Tanzanian Shilling (Sh)

Tanzanian Shilling exchange rates as of October 17, 2026: 1 USD = 2,619 TZS (10,000 TZS = 3.82 USD). 1 EUR = 2,945 TZS (10,000 TZS = 3.4 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to TZS in detail →

On the map

Lowest

Highest

Between locations

Bagamoyo Cebu 9,590 km ≈ 12 h nonstop flight

From you

Bagamoyo
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

Bagamoyo vs Cebu: Cost of Living - Frequently Asked Questions

Bagamoyo wins on cost – living expenses run 138% lower than in Cebu. Housing and daily spending are where you'll feel the difference most, making Bagamoyo the obvious pick if budget is a priority.

You'd need roughly $579 in Bagamoyo and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $57.0 in Bagamoyo versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $560 in Bagamoyo versus $275 in Cebu. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Bagamoyo – a meal for two runs $12.00 versus $24.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $800 a month, though Bagamoyo gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both work as nomad bases, but Bagamoyo delivers better value – similar infrastructure at $386 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Bagamoyo hard to pass up.

Safety-wise, Bagamoyo 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 Bagamoyo gentler on the wallet – expenses run 138% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.