Last update: Oct 2026

Cost of Living Comparison Between Bergamo and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,592 in Bergamo, rent and utilities included – about $7,900 less a year. Rent and utilities account for about half of the difference.

78

Cost of Living Index in Bergamo
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Bergamo Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Bergamo

🇮🇹 Italy

$1,592

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,592 in Bergamo versus $934 in Cebu.

Bergamo $1,592
Cebu $934

Estimated couple costs with rent: $2,451 in Bergamo versus $1,415 in Cebu.

Bergamo $2,451
Cebu $1,415

Monthly costs for a family of three with rent: $3,311 in Bergamo versus $1,896 in Cebu.

Bergamo $3,311
Cebu $1,896

Living in Bergamo is roughly 70% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Bergamo is 19% above, Cebu is 30% below.

Meal at Budget Restaurant

$15.68 €13.99

$3.03 ₱190

417.49%

Three-Course Dinner for Two, Mid-Range

$82.6 €73.8

$23.48 ₱1,473

251.96%

Fast Food Meal (McDonalds, etc)

$11.08 €9.89

$4.09 ₱256

170.90%

Cappuccino

$1.87 €1.67

$2.52 ₱158

-25.79%

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

$3.31 €2.95

$1.54 ₱96.9

114.94%

Water (0.33 liter bottle)

$1.29 €1.15

$0.49 ₱30.98

163.27%

Local Beer (0.5 liter draught)

$5.57 €4.97

$1.79 ₱112

211.17%

Imported Beer (0.33 liter bottle)

$5.57 €4.97

$2.26 ₱142

146.46%

Milk (1 liter)

$1.42 €1.27

$1.95 ₱122

-27.18%

White Bread (500g)

$2.02 €1.81

$1.43 ₱89.7

41.26%

Rice (white) (1kg)

$3.02 €2.70

$1.02 ₱63.8

196.08%

Eggs

$3.71 €3.31

$2.06 ₱129

80.10%

Local Cheese (1kg)

$15.27 €13.63

$9.81 ₱615

55.66%

Chicken Fillets (1kg)

$11.39 €10.16

$4.61 ₱289

147.07%

Beef Round Steak (1kg)

$16.13 €14.39

$7.70 ₱483

109.48%

Apples (1kg)

$2.30 €2.05

$3.31 ₱207

-30.51%

Banana (1kg)

$1.71 €1.52

$1.45 ₱90.9

17.93%

Oranges (1kg)

$2.25 €2.01

$2.36 ₱148

-4.66%

Tomato (1kg)

$2.66 €2.38

$1.54 ₱96.4

72.73%

Potato (1kg)

$1.81 €1.62

$2.36 ₱148

-23.31%

Onion (1kg)

$2.19 €1.95

$1.99 ₱125

10.05%

Lettuce (1 head)

$1.86 €1.66

$1.15 ₱72.1

61.74%

Water (1.5 liter bottle)

$0.48 €0.43

$0.67 ₱42.15

-28.36%

Cigarettes 20 Pack (Marlboro, Camel)

$7.11 €6.35

$3.00 ₱188

137.00%

Wine (Bottle)

$4.17 €3.72

$6.35 ₱398

-34.33%

Local Beer (0.5 liter bottle)

$1.25 €1.12

$1.31 ₱81.9

-4.58%

Imported Beer (0.33 liter bottle)

$1.77 €1.58

$1.73 ₱108

2.31%

One-way Ticket (Public Transport)

$1.88 €1.67

$0.25 ₱15.78

652.00%

Public Transport Monthly Pass (Regular Price)

$45.25 €40.38

$12.65 ₱793

257.71%

Taxi Start (Normal Tariff)

$10.21 €9.11

$0.74 ₱46.32

1279.73%

Taxi (Normal Tariff) (1km)

$2.22 €1.98

$0.21 ₱13.11

957.14%

Taxi 1hour Waiting (Normal Tariff)

$38.74 €34.57

$4.33 ₱271

794.69%

Gasoline (1 liter)

$2.09 €1.86

$1.33 ₱83.5

57.14%

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

$36.8K €32.8K

$21.8K ₱1.4M

69.00%

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

$35.0K €31.3K

$19.4K ₱1.2M

80.60%

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

$195 €174

$121 ₱7,563

61.98%

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

$8.87 €7.92

$14.45 ₱907

-38.62%

Internet (50+ Mbps, Unlimited Data)

$27.82 €24.82

$28.29 ₱1,774

-1.66%

Gym Membership (Monthly)

$32.67 €29.15

$32.68 ₱2,050

-0.03%

Tennis Court (1 Hour on Weekend)

$23.37 €20.86

$6.39 ₱401

265.73%

Cinema Ticket

$11.26 €10.05

$5.46 ₱342

106.23%

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

$569 €507

$273 ₱17.1K

107.93%

International Primary School, 1 Child (Yearly)

$14.0K €12.5K

$8,156 ₱511.5K

71.55%

Jeans (Levis 501 Or Similar)

$74.1 €66.1

$49.57 ₱3,109

49.38%

Summer Dress (H&M, Zara, etc)

$32.57 €29.06

$24.87 ₱1,560

30.96%

Sport Shoes (Adidas, Nike)

$88.0 €78.5

$76.6 ₱4,804

14.85%

Men's Leather Business Shoes

$103 €92.0

$59.3 ₱3,717

73.89%

1-bedroom Apartment, City Center (Monthly)

$751 €670

$506 ₱31.7K

48.54%

1-bedroom Apartment, Outside City Center (Monthly)

$573 €511

$309 ₱19.4K

85.14%

3-bedroom Apartment, City Center (Monthly)

$1,370 €1,222

$1,052 ₱66.0K

30.22%

3-bedroom Apartment, Outside City Center (Monthly)

$904 €807

$619 ₱38.8K

46.07%

Buy Apartment in City Center (m2)

$3,471 €3,097

$2,915 ₱182.9K

19.05%

Buy Apartment Outside City Center (m2)

$2,509 €2,239

$1,867 ₱117.1K

34.39%

Average Monthly Net Salary (After Tax)

$2,426 €2,165

$341 ₱21.4K

611.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.05

7.2

-57.64%

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

Last update for Bergamo: October 6, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Bergamo

$573 35.7%

Cebu

$309 33.5% 46% $263

Groceries & Markets

Bergamo

$298 18.6%

Cebu

$210 22.7% 29.3% $87

Eating Out

Bergamo

$239 14.9%

Cebu

$88 9.6% 62.9% $150

Monthly Utilities & Internet

Bergamo

$232 14.5%

Cebu

$163 17.7% 29.6% $69

Clothing & Footwear

Bergamo

$134 8.4%

Cebu

$95 10.2% 29.3% $39

Getting Around

Bergamo

$74 4.6%

Cebu

$15 1.7% 79.2% $59

Sport & Entertainment

Bergamo

$55 3.4%

Cebu

$44 4.7% 21% $12

Cost Breakdown

A one-bedroom apartment in the center runs $751 in Bergamo and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Bergamo pays 611% 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: $83.0 in Bergamo vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $298 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Bergamo

🇵🇭 Cebu

🕒 Local time

06:55 6:55 AM

12:55 12:55 PM

6 h ahead of Bergamo

🌤 Weather

👥 Population

120,569

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

Bergamo Cebu 10,990 km ≈ 14 h nonstop flight

From you

Bergamo
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

Bergamo vs Cebu: Cost of Living - Frequently Asked Questions

Bergamo and Cebu differ by about 70% in total monthly costs ($1,592 vs $934 including rent). Cebu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 611% higher in Bergamo, 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: $751 in Bergamo versus $506 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 $23.00 versus $83.0 in Bergamo. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,592 per month in Bergamo versus $934 in Cebu – a 70% gap that adds up to real savings over time for anyone picking the cheaper option.

At $934 in Cebu versus $1,592 in Bergamo, a $1,500 budget is realistic in Cebu but tight or insufficient in Bergamo. 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, Bergamo 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 70% less than in Bergamo. Beyond cost, consider language, visa policies, and how big the international community is in each city.