Last update: Oct 2026

Cost of Living Comparison Between Carmarthen and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,326 in Carmarthen, rent and utilities included – about $16,900 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Carmarthen
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Carmarthen Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Carmarthen

🇬🇧 United Kingdom

$2,326

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,326 in Carmarthen versus $918 in Cebu.

Carmarthen $2,326
Cebu $918

Estimated couple costs with rent: $3,066 in Carmarthen versus $1,409 in Cebu.

Carmarthen $3,066
Cebu $1,409

Monthly costs for a family of three with rent: $3,806 in Carmarthen versus $1,900 in Cebu.

Carmarthen $3,806
Cebu $1,900

Living in Carmarthen is roughly 153% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Carmarthen is 72% above, Cebu is 32% below.

Meal at Budget Restaurant

$20.88 £15.66

$3.09 ₱194

575.73%

Three-Course Dinner for Two, Mid-Range

$65.2 £48.93

$24.22 ₱1,525

169.28%

Fast Food Meal (McDonalds, etc)

$9.20 £6.90

$3.92 ₱247

134.69%

Cappuccino

$3.56 £2.67

$2.51 ₱158

41.83%

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

$2.45 £1.84

$1.59 ₱100

54.09%

Water (0.33 liter bottle)

$1.67 £1.26

$0.53 ₱33.43

215.09%

Local Beer (0.5 liter draught)

$5.41 £4.06

$1.78 ₱112

203.93%

Imported Beer (0.33 liter bottle)

$4.61 £3.45

$2.17 ₱137

112.44%

Milk (1 liter)

$1.50 £1.12

$1.92 ₱121

-21.87%

White Bread (500g)

$1.19 £0.89

$1.36 ₱85.4

-12.50%

Rice (white) (1kg)

$1.99 £1.49

$1.01 ₱63.5

97.03%

Eggs

$4.37 £3.28

$2.03 ₱128

115.27%

Local Cheese (1kg)

$8.13 £6.10

$9.86 ₱621

-17.55%

Chicken Fillets (1kg)

$9.36 £7.02

$4.39 ₱277

113.21%

Beef Round Steak (1kg)

$12.99 £9.75

$7.60 ₱479

70.92%

Apples (1kg)

$3.06 £2.30

$3.30 ₱208

-7.27%

Banana (1kg)

$1.79 £1.34

$1.39 ₱87.8

28.78%

Oranges (1kg)

$2.58 £1.93

$2.33 ₱147

10.73%

Tomato (1kg)

$4.19 £3.14

$1.50 ₱94.3

179.33%

Potato (1kg)

$2.04 £1.53

$2.36 ₱149

-13.56%

Onion (1kg)

$1.50 £1.12

$1.90 ₱119

-21.05%

Lettuce (1 head)

$1.25 £0.94

$1.19 ₱74.9

5.04%

Water (1.5 liter bottle)

$1.98 £1.49

$0.63 ₱39.71

214.29%

Cigarettes 20 Pack (Marlboro, Camel)

$23.59 £17.70

$3.00 ₱189

686.33%

Wine (Bottle)

$10.63 £7.97

$6.03 ₱379

76.29%

Local Beer (0.5 liter bottle)

$2.74 £2.06

$1.23 ₱77.7

122.76%

Imported Beer (0.33 liter bottle)

$3.61 £2.71

$1.75 ₱110

106.29%

One-way Ticket (Public Transport)

$4.50 £3.38

$0.25 ₱15.86

1700.00%

Public Transport Monthly Pass (Regular Price)

$97.2 £72.9

$12.64 ₱796

669.15%

Taxi Start (Normal Tariff)

$3.35 £2.51

$0.77 ₱48.62

335.06%

Taxi (Normal Tariff) (1km)

$1.60 £1.20

$0.23 ₱14.53

595.65%

Taxi 1hour Waiting (Normal Tariff)

$26.36 £19.78

$4.46 ₱281

491.03%

Gasoline (1 liter)

$1.85 £1.39

$1.31 ₱82.8

41.22%

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

$38.7K £29.0K

$21.2K ₱1.3M

82.24%

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

$39.7K £29.8K

$19.1K ₱1.2M

107.48%

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

$316 £237

$120 ₱7,569

163.23%

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

$16.79 £12.60

$14.00 ₱882

19.93%

Internet (50+ Mbps, Unlimited Data)

$38.88 £29.17

$27.54 ₱1,734

41.18%

Gym Membership (Monthly)

$46.38 £34.80

$32.33 ₱2,035

43.46%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$13.66 £10.25

$5.65 ₱356

141.77%

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

$2,223 £1,668

$275 ₱17.3K

707.39%

International Primary School, 1 Child (Yearly)

$24.8K £18.6K

$7,918 ₱498.5K

213.05%

Jeans (Levis 501 Or Similar)

$98.6 £74.0

$49.33 ₱3,106

99.94%

Summer Dress (H&M, Zara, etc)

$48.36 £36.28

$25.24 ₱1,589

91.60%

Sport Shoes (Adidas, Nike)

$108 £81.3

$77.0 ₱4,846

40.81%

Men's Leather Business Shoes

$98.0 £73.6

$57.2 ₱3,601

71.40%

1-bedroom Apartment, City Center (Monthly)

$1,200 £900

$500 ₱31.5K

140.18%

1-bedroom Apartment, Outside City Center (Monthly)

$1,004 £753

$309 ₱19.4K

225.18%

3-bedroom Apartment, City Center (Monthly)

$1,272 £954

$1,078 ₱67.9K

18.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,047 £785

$615 ₱38.7K

70.11%

Buy Apartment in City Center (m2)

$5,108 £3,832

$2,886 ₱181.7K

76.99%

Buy Apartment Outside City Center (m2)

$3,890 £2,918

$1,917 ₱120.7K

102.96%

Average Monthly Net Salary (After Tax)

$1,998 £1,499

$346 ₱21.8K

477.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.87

7.2

-32.36%

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

Last update for Carmarthen: 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

Carmarthen

$1K 43.2%

Cebu

$309 33.6% 69.2% $695

Monthly Utilities & Internet

Carmarthen

$372 16%

Cebu

$162 17.6% 56.5% $210

Groceries & Markets

Carmarthen

$300 12.9%

Cebu

$206 22.4% 31.4% $94

Eating Out

Carmarthen

$290 12.5%

Cebu

$88 9.6% 69.6% $202

Clothing & Footwear

Carmarthen

$159 6.8%

Cebu

$94 10.2% 40.9% $65

Getting Around

Carmarthen

$127 5.4%

Cebu

$16 1.7% 87.7% $111

Sport & Entertainment

Carmarthen

$74 3.2%

Cebu

$44 4.8% 40.8% $30

Cost Breakdown

A one-bedroom apartment in the center runs $1,200 in Carmarthen and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Carmarthen pays 478% 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: $65.0 in Carmarthen vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $300 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Carmarthen

🇵🇭 Cebu

🕒 Local time

20:18 8:18 PM

03:18 3:18 AM

7 h ahead of Carmarthen

🌤 Weather

👥 Population

14,185

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

Carmarthen Cebu 11,520 km ≈ 15 h nonstop flight

From you

Carmarthen
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

Carmarthen vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 153% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 478% higher in Carmarthen, 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: $1,200 in Carmarthen versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 46% higher in Carmarthen. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cebu – a meal for two runs $24.00 versus $65.0 in Carmarthen. If you eat out regularly, this makes a real dent in your monthly spending.

At $918 in Cebu versus $2,326 in Carmarthen, a $1,500 budget is realistic in Cebu but tight or insufficient in Carmarthen. 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 Carmarthen, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Carmarthen 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 153% less than in Carmarthen. Beyond cost, consider language, visa policies, and how big the international community is in each city.