Last update: Oct 2026

Cost of Living Comparison Between Caernarfon and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,196 in Caernarfon, rent and utilities included – about $3,300 less a year. The total is higher in Caernarfon despite lower rent and utilities.

59

Cost of Living Index in Caernarfon
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Caernarfon Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Caernarfon

🇬🇧 United Kingdom

$1,196

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,196 in Caernarfon versus $918 in Cebu.

Caernarfon $1,196
Cebu $918

Estimated couple costs with rent: $2,704 in Caernarfon versus $1,409 in Cebu.

Caernarfon $2,704
Cebu $1,409

Monthly costs for a family of three with rent: $4,212 in Caernarfon versus $1,900 in Cebu.

Caernarfon $4,212
Cebu $1,900

Living in Caernarfon is roughly 30% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Caernarfon 11% lower, Cebu 32% lower.

Meal at Budget Restaurant

$13.08 £9.82

$3.09 ₱194

323.30%

Three-Course Dinner for Two, Mid-Range

$90.8 £68.1

$24.22 ₱1,525

274.98%

Fast Food Meal (McDonalds, etc)

$9.19 £6.90

$3.92 ₱247

134.44%

Cappuccino

$3.85 £2.89

$2.51 ₱158

53.39%

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

$2.59 £1.95

$1.59 ₱100

62.89%

Water (0.33 liter bottle)

$1.96 £1.47

$0.53 ₱33.43

269.81%

Local Beer (0.5 liter draught)

$4.72 £3.54

$1.78 ₱112

165.17%

Imported Beer (0.33 liter bottle)

$3.92 £2.94

$2.17 ₱137

80.65%

Milk (1 liter)

$1.84 £1.38

$1.92 ₱121

-4.17%

White Bread (500g)

$1.68 £1.26

$1.36 ₱85.4

23.53%

Rice (white) (1kg)

$2.20 £1.65

$1.01 ₱63.5

117.82%

Eggs

$2.32 £1.74

$2.03 ₱128

14.29%

Local Cheese (1kg)

$9.01 £6.76

$9.86 ₱621

-8.62%

Chicken Fillets (1kg)

$7.38 £5.53

$4.39 ₱277

68.11%

Beef Round Steak (1kg)

$15.08 £11.31

$7.60 ₱479

98.42%

Apples (1kg)

$2.58 £1.93

$3.30 ₱208

-21.82%

Banana (1kg)

$1.28 £0.96

$1.39 ₱87.8

-7.91%

Oranges (1kg)

$1.29 £0.97

$2.33 ₱147

-44.64%

Tomato (1kg)

$1.36 £1.02

$1.50 ₱94.3

-9.33%

Potato (1kg)

$1.64 £1.23

$2.36 ₱149

-30.51%

Onion (1kg)

$1.74 £1.31

$1.90 ₱119

-8.42%

Lettuce (1 head)

$1.36 £1.02

$1.19 ₱74.9

14.29%

Water (1.5 liter bottle)

$1.56 £1.17

$0.63 ₱39.71

147.62%

Cigarettes 20 Pack (Marlboro, Camel)

$22.03 £16.53

$3.00 ₱189

634.33%

Wine (Bottle)

$9.08 £6.81

$6.03 ₱379

50.58%

Local Beer (0.5 liter bottle)

$3.58 £2.68

$1.23 ₱77.7

191.06%

Imported Beer (0.33 liter bottle)

$3.35 £2.52

$1.75 ₱110

91.43%

One-way Ticket (Public Transport)

$5.60 £4.20

$0.25 ₱15.86

2140.00%

Public Transport Monthly Pass (Regular Price)

$67.7 £50.8

$12.64 ₱796

435.21%

Taxi Start (Normal Tariff)

$5.11 £3.83

$0.77 ₱48.62

563.64%

Taxi (Normal Tariff) (1km)

$2.31 £1.73

$0.23 ₱14.53

904.35%

Taxi 1hour Waiting (Normal Tariff)

$24.10 £18.08

$4.46 ₱281

440.36%

Gasoline (1 liter)

$1.97 £1.48

$1.31 ₱82.8

50.38%

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

$38.1K £28.6K

$21.2K ₱1.3M

79.29%

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

$40.3K £30.3K

$19.1K ₱1.2M

110.73%

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

$314 £236

$120 ₱7,569

161.45%

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

$20.96 £15.72

$14.00 ₱882

49.71%

Internet (50+ Mbps, Unlimited Data)

$39.31 £29.49

$27.54 ₱1,734

42.74%

Gym Membership (Monthly)

$29.97 £22.48

$32.33 ₱2,035

-7.30%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$15.92 £11.94

$5.65 ₱356

181.77%

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

$1,570 £1,178

$275 ₱17.3K

470.20%

International Primary School, 1 Child (Yearly)

$23.6K £17.7K

$7,918 ₱498.5K

197.99%

Jeans (Levis 501 Or Similar)

$107 £80.4

$49.33 ₱3,106

117.29%

Summer Dress (H&M, Zara, etc)

$49.70 £37.29

$25.24 ₱1,589

96.91%

Sport Shoes (Adidas, Nike)

$107 £80.4

$77.0 ₱4,846

39.22%

Men's Leather Business Shoes

$79.8 £59.9

$57.2 ₱3,601

39.46%

1-bedroom Apartment, City Center (Monthly)

$662 £497

$500 ₱31.5K

32.59%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$1,604 £1,204

$615 ₱38.7K

160.78%

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)

$3,516 £2,638

$346 ₱21.8K

916.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.09

7.2

-29.31%

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

Last update for Caernarfon: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Caernarfon

$375 31.3%

Cebu

$162 17.6% 56.8% $213

Groceries & Markets

Caernarfon

$270 22.6%

Cebu

$206 22.4% 23.9% $64

Eating Out

Caernarfon

$228 19.1%

Cebu

$88 9.6% 61.3% $140

Clothing & Footwear

Caernarfon

$155 12.9%

Cebu

$94 10.2% 39.3% $61

Getting Around

Caernarfon

$107 8.9%

Cebu

$16 1.7% 85.4% $91

Sport & Entertainment

Caernarfon

$62 5.2%

Cebu

$44 4.8% 29.4% $18

Accommodation & Living

Caernarfon

- * 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 $662 in Caernarfon and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Caernarfon pays 916% 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: $91.0 in Caernarfon vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $270 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Caernarfon

🇵🇭 Cebu

🕒 Local time

20:18 8:18 PM

03:18 3:18 AM

7 h ahead of Caernarfon

🌤 Weather

👥 Population

9,500

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 19, 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 19, 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

Caernarfon Cebu 11,430 km ≈ 15 h nonstop flight

From you

Caernarfon
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

Caernarfon vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 30% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 916% higher in Caernarfon, 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: $662 in Caernarfon 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 $91.0 in Caernarfon. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,196 per month in Caernarfon versus $918 in Cebu – a 30% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,196 in Caernarfon, a $1,500 budget is realistic in Cebu but tight or insufficient in Caernarfon. 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 Caernarfon, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Caernarfon 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 30% less than in Caernarfon. Beyond cost, consider language, visa policies, and how big the international community is in each city.