Last update: Oct 2026

Cost of Living Comparison Between Belmont, NSW and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,598 in Belmont, NSW, rent and utilities included – about $20,200 less a year. Rent and utilities account for most of the difference.

121

Cost of Living Index in Belmont, NSW
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Belmont, NSW Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Belmont, NSW

🇦🇺 Australia

$2,598

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

A single person spends $2,598 per month in Belmont, NSW vs $918 in Cebu, rent included.

Belmont, NSW $2,598
Cebu $918

A couple spends around $3,661 per month in Belmont, NSW vs $1,409 in Cebu, rent included.

Belmont, NSW $3,661
Cebu $1,409

A family of three spends $4,724 per month in Belmont, NSW vs $1,900 in Cebu, rent included.

Belmont, NSW $4,724
Cebu $1,900

Belmont, NSW costs about 183% more than Cebu, and outside of rent the biggest gap is in eating out.

Belmont, NSW sits 92% above the global median, while Cebu is 32% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$15.72 A$22.59

$3.09 ₱194

408.74%

Three-Course Dinner for Two, Mid-Range

$91.8 A$132

$24.22 ₱1,519

278.86%

Fast Food Meal (McDonalds, etc)

$10.21 A$14.67

$3.92 ₱246

160.46%

Cappuccino

$4.26 A$6.12

$2.51 ₱157

69.72%

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

$3.03 A$4.36

$1.59 ₱99.8

90.57%

Water (0.33 liter bottle)

$2.06 A$2.97

$0.53 ₱33.31

288.68%

Local Beer (0.5 liter draught)

$7.16 A$10.29

$1.78 ₱112

302.25%

Imported Beer (0.33 liter bottle)

$8.17 A$11.74

$2.17 ₱136

276.50%

Milk (1 liter)

$1.61 A$2.31

$1.92 ₱120

-16.15%

White Bread (500g)

$2.44 A$3.51

$1.36 ₱85.1

79.41%

Rice (white) (1kg)

$2.36 A$3.39

$1.01 ₱63.3

133.66%

Eggs

$4.59 A$6.60

$2.03 ₱127

126.11%

Local Cheese (1kg)

$9.04 A$12.99

$9.86 ₱619

-8.32%

Chicken Fillets (1kg)

$7.93 A$11.40

$4.39 ₱276

80.64%

Beef Round Steak (1kg)

$16.13 A$23.18

$7.60 ₱477

112.24%

Apples (1kg)

$3.99 A$5.73

$3.30 ₱207

20.91%

Banana (1kg)

$3.16 A$4.54

$1.39 ₱87.4

127.34%

Oranges (1kg)

$3.38 A$4.86

$2.33 ₱146

45.06%

Tomato (1kg)

$4.04 A$5.80

$1.50 ₱93.9

169.33%

Potato (1kg)

$2.73 A$3.92

$2.36 ₱148

15.68%

Onion (1kg)

$2.63 A$3.77

$1.90 ₱119

38.42%

Lettuce (1 head)

$2.11 A$3.03

$1.19 ₱74.6

77.31%

Water (1.5 liter bottle)

$1.73 A$2.48

$0.63 ₱39.56

174.60%

Cigarettes 20 Pack (Marlboro, Camel)

$47.61 A$68.4

$3.00 ₱188

1487.00%

Wine (Bottle)

$13.96 A$20.07

$6.03 ₱378

131.51%

Local Beer (0.5 liter bottle)

$4.93 A$7.08

$1.23 ₱77.4

300.81%

Imported Beer (0.33 liter bottle)

$4.55 A$6.54

$1.75 ₱110

160.00%

One-way Ticket (Public Transport)

$2.74 A$3.94

$0.25 ₱15.80

996.00%

Public Transport Monthly Pass (Regular Price)

$91.9 A$132

$12.64 ₱793

627.06%

Taxi Start (Normal Tariff)

$3.94 A$5.66

$0.77 ₱48.43

411.69%

Taxi (Normal Tariff) (1km)

$1.38 A$1.98

$0.23 ₱14.48

500.00%

Taxi 1hour Waiting (Normal Tariff)

$39.34 A$56.5

$4.46 ₱279

782.06%

Gasoline (1 liter)

$1.37 A$1.98

$1.31 ₱82.5

4.58%

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

$30.5K A$43.8K

$21.2K ₱1.3M

43.45%

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

$25.6K A$36.8K

$19.1K ₱1.2M

33.57%

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

$184 A$264

$120 ₱7,541

53.02%

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

$30.55 A$43.91

$14.00 ₱878

118.21%

Internet (50+ Mbps, Unlimited Data)

$49.90 A$71.7

$27.54 ₱1,727

81.19%

Gym Membership (Monthly)

$59.7 A$85.8

$32.33 ₱2,028

84.60%

Tennis Court (1 Hour on Weekend)

$18.28 A$26.28

$6.65 ₱417

174.89%

Cinema Ticket

$12.64 A$18.16

$5.65 ₱354

123.72%

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

$2,188 A$3,145

$275 ₱17.3K

694.92%

International Primary School, 1 Child (Yearly)

$18.9K A$27.2K

$7,918 ₱496.6K

138.75%

Jeans (Levis 501 Or Similar)

$82.2 A$118

$49.33 ₱3,094

66.71%

Summer Dress (H&M, Zara, etc)

$61.2 A$87.9

$25.24 ₱1,583

142.35%

Sport Shoes (Adidas, Nike)

$115 A$165

$77.0 ₱4,827

49.08%

Men's Leather Business Shoes

$126 A$181

$57.2 ₱3,587

120.21%

1-bedroom Apartment, City Center (Monthly)

$1,571 A$2,257

$500 ₱31.3K

214.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,322 A$1,899

$309 ₱19.4K

327.96%

3-bedroom Apartment, City Center (Monthly)

$2,144 A$3,081

$1,078 ₱67.6K

98.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,791 A$2,573

$615 ₱38.6K

191.04%

Buy Apartment in City Center (m2)

$5,488 A$7,887

$2,886 ₱181.0K

90.16%

Buy Apartment Outside City Center (m2)

$4,808 A$6,909

$1,917 ₱120.2K

150.86%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

7.2

-18.89%

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

Last update for Belmont, NSW: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Belmont, NSW

$1.3K 50.9%

Cebu

$309 33.6% 76.6% $1K

Groceries & Markets

Belmont, NSW

$360 13.9%

Cebu

$206 22.4% 42.9% $154

Eating Out

Belmont, NSW

$280 10.8%

Cebu

$88 9.6% 68.5% $192

Monthly Utilities & Internet

Belmont, NSW

$264 10.2%

Cebu

$162 17.6% 38.8% $103

Clothing & Footwear

Belmont, NSW

$173 6.7%

Cebu

$94 10.2% 45.7% $79

Getting Around

Belmont, NSW

$114 4.4%

Cebu

$16 1.7% 86.3% $98

Sport & Entertainment

Belmont, NSW

$85 3.3%

Cebu

$44 4.8% 48.7% $41

Cost Breakdown

A central one-bedroom costs $1,571 in Belmont, NSW versus $500 in Cebu. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $92.0 in Belmont, NSW versus $24.00 in Cebu. Monthly groceries follow the same trend: $360 vs $206 – making Cebu the more affordable choice for daily food spending.

Good to know

🇦🇺 Belmont, NSW

🇵🇭 Cebu

🕒 Local time

03:05 3:05 AM

01:05 1:05 AM

2 h behind Belmont, NSW

🌤 Weather

👥 Population

3,648

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.696 USD

1 AUD = 0.623 EUR

100 PHP = 1.59 USD

100 PHP = 1.43 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 13, 2026: 1 USD = 1.44 AUD (1 AUD = 0.696 USD). 1 EUR = 1.6 AUD (1 AUD = 0.623 EUR).

Philippine Peso exchange rates as of October 13, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.02 PHP (100 PHP = 1.43 EUR).

USD to AUD in detail →

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Belmont, NSW Cebu 5,250 km ≈ 7 h nonstop flight

From you

Belmont, NSW
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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

Belmont, NSW vs Cebu: Cost of Living - Frequently Asked Questions

Belmont, NSW costs about 183% more than Cebu, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,897 per month in Belmont, NSW and $1,377 in Cebu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cebu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 627% less in Cebu. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,188 per month in Belmont, NSW and $275 in Cebu. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $918, than in Belmont, NSW at $2,598. In Cebu it covers expenses comfortably, while in Belmont, NSW it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Cebu costs $918 versus $2,598 in Belmont, NSW. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Cebu. If higher salaries, better infrastructure, or specific career opportunities are the priority, Belmont, NSW makes more sense. Both are solid long-term options with distinct trade-offs.