Last update: Oct 2026

Cost of Living Comparison Between Bendigo and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,012 in Bendigo, rent and utilities included – about $13,100 less a year. Rent and utilities account for about half of the difference.

97

Cost of Living Index in Bendigo
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Bendigo Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Bendigo

🇦🇺 Australia

$2,012

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

A single person spends $2,012 per month in Bendigo vs $918 in Cebu, rent included.

Bendigo $2,012
Cebu $918

A couple spends around $2,956 per month in Bendigo vs $1,409 in Cebu, rent included.

Bendigo $2,956
Cebu $1,409

A family of three spends $3,900 per month in Bendigo vs $1,900 in Cebu, rent included.

Bendigo $3,900
Cebu $1,900

Bendigo costs about 119% more than Cebu, and outside of rent the biggest gap is in eating out.

Bendigo sits 49% above the global median, while Cebu is 32% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$17.10 A$24.60

$3.09 ₱194

453.40%

Three-Course Dinner for Two, Mid-Range

$75.8 A$109

$24.22 ₱1,525

212.88%

Fast Food Meal (McDonalds, etc)

$12.47 A$17.94

$3.92 ₱247

218.11%

Cappuccino

$3.95 A$5.68

$2.51 ₱158

57.37%

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

$3.12 A$4.50

$1.59 ₱100

96.23%

Water (0.33 liter bottle)

$2.47 A$3.56

$0.53 ₱33.43

366.04%

Local Beer (0.5 liter draught)

$9.83 A$14.15

$1.78 ₱112

452.25%

Imported Beer (0.33 liter bottle)

$8.47 A$12.19

$2.17 ₱137

290.32%

Milk (1 liter)

$1.29 A$1.86

$1.92 ₱121

-32.81%

White Bread (500g)

$2.96 A$4.26

$1.36 ₱85.4

117.65%

Rice (white) (1kg)

$2.53 A$3.64

$1.01 ₱63.5

150.50%

Eggs

$4.71 A$6.77

$2.03 ₱128

132.02%

Local Cheese (1kg)

$10.27 A$14.78

$9.86 ₱621

4.16%

Chicken Fillets (1kg)

$9.70 A$13.96

$4.39 ₱277

120.96%

Beef Round Steak (1kg)

$10.28 A$14.79

$7.60 ₱479

35.26%

Apples (1kg)

$3.45 A$4.97

$3.30 ₱208

4.55%

Banana (1kg)

$3.07 A$4.42

$1.39 ₱87.8

120.86%

Oranges (1kg)

$3.11 A$4.48

$2.33 ₱147

33.48%

Tomato (1kg)

$4.85 A$6.98

$1.50 ₱94.3

223.33%

Potato (1kg)

$2.74 A$3.94

$2.36 ₱149

16.10%

Onion (1kg)

$2.58 A$3.72

$1.90 ₱119

35.79%

Lettuce (1 head)

$2.37 A$3.41

$1.19 ₱74.9

99.16%

Water (1.5 liter bottle)

$1.59 A$2.29

$0.63 ₱39.71

152.38%

Cigarettes 20 Pack (Marlboro, Camel)

$43.74 A$62.9

$3.00 ₱189

1358.00%

Wine (Bottle)

$10.25 A$14.75

$6.03 ₱379

69.98%

Local Beer (0.5 liter bottle)

$5.25 A$7.56

$1.23 ₱77.7

326.83%

Imported Beer (0.33 liter bottle)

$5.33 A$7.67

$1.75 ₱110

204.57%

One-way Ticket (Public Transport)

$3.43 A$4.93

$0.25 ₱15.86

1272.00%

Public Transport Monthly Pass (Regular Price)

$58.4 A$84.0

$12.64 ₱796

361.63%

Taxi Start (Normal Tariff)

$4.14 A$5.96

$0.77 ₱48.62

437.66%

Taxi (Normal Tariff) (1km)

$1.37 A$1.97

$0.23 ₱14.53

495.65%

Taxi 1hour Waiting (Normal Tariff)

$14.20 A$20.43

$4.46 ₱281

218.39%

Gasoline (1 liter)

$1.22 A$1.76

$1.31 ₱82.8

-6.87%

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

$27.3K A$39.3K

$21.2K ₱1.3M

28.68%

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

$19.1K A$27.5K

$19.1K ₱1.2M

-0.17%

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

$140 A$201

$120 ₱7,569

16.22%

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

$28.06 A$40.37

$14.00 ₱882

100.43%

Internet (50+ Mbps, Unlimited Data)

$57.2 A$82.3

$27.54 ₱1,734

107.63%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$19.55 A$28.14

$6.65 ₱419

193.98%

Cinema Ticket

$12.47 A$17.94

$5.65 ₱356

120.71%

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

$2,108 A$3,033

$275 ₱17.3K

665.52%

International Primary School, 1 Child (Yearly)

$29.7K A$42.7K

$7,918 ₱498.5K

275.01%

Jeans (Levis 501 Or Similar)

$78.6 A$113

$49.33 ₱3,106

59.40%

Summer Dress (H&M, Zara, etc)

$48.88 A$70.3

$25.24 ₱1,589

93.66%

Sport Shoes (Adidas, Nike)

$121 A$173

$77.0 ₱4,846

56.63%

Men's Leather Business Shoes

$133 A$191

$57.2 ₱3,601

131.73%

1-bedroom Apartment, City Center (Monthly)

$1,127 A$1,621

$500 ₱31.5K

125.54%

1-bedroom Apartment, Outside City Center (Monthly)

$845 A$1,215

$309 ₱19.4K

173.46%

3-bedroom Apartment, City Center (Monthly)

$1,353 A$1,946

$1,078 ₱67.9K

25.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,236 A$1,778

$615 ₱38.7K

100.89%

Buy Apartment in City Center (m2)

$4,398 A$6,328

$2,886 ₱181.7K

52.38%

Buy Apartment Outside City Center (m2)

$3,852 A$5,543

$1,917 ₱120.7K

100.98%

Average Monthly Net Salary (After Tax)

$3,038 A$4,371

$346 ₱21.8K

778.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.9

7.2

-18.06%

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

Last update for Bendigo: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Bendigo

$845 42%

Cebu

$309 33.6% 63.4% $536

Groceries & Markets

Bendigo

$353 17.6%

Cebu

$206 22.4% 41.7% $147

Eating Out

Bendigo

$310 15.4%

Cebu

$88 9.6% 71.5% $222

Monthly Utilities & Internet

Bendigo

$225 11.2%

Cebu

$162 17.6% 28.1% $63

Clothing & Footwear

Bendigo

$171 8.5%

Cebu

$94 10.2% 45.2% $77

Getting Around

Bendigo

$83 4.1%

Cebu

$16 1.7% 81.2% $67

Sport & Entertainment

Bendigo

$25 * 1.2%

Cebu

$44 4.8% 75% $19

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

Cost Breakdown

A central one-bedroom costs $1,127 in Bendigo 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.

Salaries run about 778% higher in Bendigo, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $76.0 in Bendigo versus $24.00 in Cebu. Monthly groceries follow the same trend: $353 vs $206 – making Cebu the more affordable choice for daily food spending.

Good to know

🇦🇺 Bendigo

🇵🇭 Cebu

🕒 Local time

04:18 4:18 AM

01:18 1:18 AM

3 h behind Bendigo

🌤 Weather

👥 Population

100,649

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 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 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 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 AUD in detail →

On the map

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Between locations

Bendigo Cebu 5,650 km ≈ 8 h nonstop flight

From you

Bendigo
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

Bendigo vs Cebu: Cost of Living - Frequently Asked Questions

Yes – Bendigo is pricier by about 119%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $3,018 per month in Bendigo 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.

A mid-range dinner for two costs $76.0 in Bendigo and $24.00 in Cebu. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,012 in Bendigo and $918 in Cebu. That's a gap of about 119%.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $918, than in Bendigo at $2,012. In Cebu it covers expenses comfortably, while in Bendigo it requires careful planning or may not stretch far enough.

Families tend to lean toward Cebu – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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, Bendigo makes more sense. Both are solid long-term options with distinct trade-offs.