Last update: Oct 2026

Cost of Living Comparison Between Cebu and Accra

For one person, living is cheaper in Cebu: $934 a month against $1,073 in Accra, rent and utilities included – about $1,700 less a year. The total is higher in Accra despite lower rent and utilities.

44

Cost of Living Index in Cebu
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Cebu Living Index
52

Cost of Living Index in Accra
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Accra Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Accra

🇬🇭 Ghana

$1,073

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Accra

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cebu and in Accra actually costs, broken down by who's living it.

A single person spends $934 per month in Cebu vs $1,073 in Accra, rent included.

Cebu $934
Accra $1,073

A couple spends around $1,415 per month in Cebu vs $1,700 in Accra, rent included.

Cebu $1,415
Accra $1,700

A family of three spends $1,896 per month in Cebu vs $2,327 in Accra, rent included.

Cebu $1,896
Accra $2,327

Cebu is about 13% cheaper than Accra, and outside of rent the biggest gap is in eating out.

Both Cebu and Accra are more affordable than the global median – Cebu 30% lower, Accra 20% lower.

Meal at Budget Restaurant

$3.03 ₱191

$8.11 GHS 95.1

-62.64%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,476

$51.8 GHS 608

-54.69%

Fast Food Meal (McDonalds, etc)

$4.09 ₱257

$10.46 GHS 123

-60.90%

Cappuccino

$2.52 ₱158

$4.51 GHS 52.9

-44.12%

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

$1.54 ₱97.2

$1.54 GHS 18.10

Water (0.33 liter bottle)

$0.49 ₱31.06

$0.45 GHS 5.24

8.89%

Local Beer (0.5 liter draught)

$1.79 ₱113

$1.86 GHS 21.84

-3.76%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$2.24 GHS 26.29

0.89%

Milk (1 liter)

$1.95 ₱122

$3.61 GHS 42.37

-45.98%

White Bread (500g)

$1.43 ₱89.9

$1.59 GHS 18.64

-10.06%

Rice (white) (1kg)

$1.02 ₱64.0

$3.19 GHS 37.42

-68.03%

Eggs

$2.06 ₱129

$2.58 GHS 30.24

-20.16%

Local Cheese (1kg)

$9.81 ₱617

$11.93 GHS 140

-17.77%

Chicken Fillets (1kg)

$4.61 ₱290

$7.02 GHS 82.3

-34.33%

Beef Round Steak (1kg)

$7.70 ₱484

$9.91 GHS 116

-22.30%

Apples (1kg)

$3.31 ₱208

$3.69 GHS 43.24

-10.30%

Banana (1kg)

$1.45 ₱91.2

$1.40 GHS 16.41

3.57%

Oranges (1kg)

$2.36 ₱148

$1.78 GHS 20.85

32.58%

Tomato (1kg)

$1.54 ₱96.6

$3.68 GHS 43.12

-58.15%

Potato (1kg)

$2.36 ₱148

$2.64 GHS 31.00

-10.61%

Onion (1kg)

$1.99 ₱125

$2.62 GHS 30.68

-24.05%

Lettuce (1 head)

$1.15 ₱72.3

$0.76 GHS 8.86

51.32%

Water (1.5 liter bottle)

$0.67 ₱42.26

$0.59 GHS 6.97

13.56%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.50 GHS 29.32

20.00%

Wine (Bottle)

$6.35 ₱399

$7.33 GHS 86.0

-13.37%

Local Beer (0.5 liter bottle)

$1.31 ₱82.1

$1.28 GHS 14.99

2.34%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.29 GHS 26.89

-24.45%

One-way Ticket (Public Transport)

$0.25 ₱15.82

$1.47 GHS 17.28

-82.99%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱796

$40.26 GHS 472

-68.58%

Taxi Start (Normal Tariff)

$0.74 ₱46.44

$1.72 GHS 20.23

-56.98%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.15

$1.25 GHS 14.70

-83.20%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$4.16 GHS 48.79

4.09%

Gasoline (1 liter)

$1.33 ₱83.7

$1.28 GHS 15.06

3.91%

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

$21.8K ₱1.4M

$8,061 GHS 94.6K

169.99%

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

$19.4K ₱1.2M

$9,921 GHS 116.4K

95.52%

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

$121 ₱7,583

$74.8 GHS 877

61.31%

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

$14.45 ₱909

$18.90 GHS 222

-23.54%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,779

$41.82 GHS 491

-32.35%

Gym Membership (Monthly)

$32.68 ₱2,055

$71.6 GHS 840

-54.34%

Tennis Court (1 Hour on Weekend)

$6.39 ₱402

$18.07 GHS 212

-64.64%

Cinema Ticket

$5.46 ₱343

$12.59 GHS 148

-56.63%

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

$273 ₱17.2K

$470 GHS 5,510

-41.80%

International Primary School, 1 Child (Yearly)

$8,156 ₱512.9K

$18.6K GHS 218.4K

-56.19%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,117

$14.28 GHS 167

247.13%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,564

$18.36 GHS 215

35.46%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,817

$36.02 GHS 423

112.63%

Men's Leather Business Shoes

$59.3 ₱3,727

$52.4 GHS 615

13.07%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.8K

$691 GHS 8,109

-26.85%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$280 GHS 3,286

10.46%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.1K

$1,092 GHS 12.8K

-3.67%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.9K

$467 GHS 5,480

32.50%

Buy Apartment in City Center (m2)

$2,915 ₱183.4K

$2,799 GHS 32.8K

4.17%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.4K

$1,424 GHS 16.7K

31.10%

Average Monthly Net Salary (After Tax)

$341 ₱21.5K

$175 GHS 2,048

95.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

26.75

-73.08%

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

Last update for Cebu: October 5, 2026

Last update for Accra: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Accra

$280 26.2% 9.5% $29

Groceries & Markets

Cebu

$210 22.7%

Accra

$277 25.9% 31.6% $67

Monthly Utilities & Internet

Cebu

$163 17.7%

Accra

$135 12.7% 17% $28

Clothing & Footwear

Cebu

$95 10.2%

Accra

$54 5.1% 42.4% $40

Eating Out

Cebu

$88 9.6%

Accra

$172 16.1% 94.8% $84

Sport & Entertainment

Cebu

$44 4.7%

Accra

$97 9% 122% $53

Getting Around

Cebu

$15 1.7%

Accra

$54 5.1% 251% $39

Cost Breakdown

A central one-bedroom costs $506 in Cebu versus $691 in Accra. 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 95% higher in Cebu, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $23.00 in Cebu versus $52.0 in Accra. Monthly groceries follow the same trend: $210 vs $277 – making Cebu the more affordable choice for daily food spending.

Good to know

🇵🇭 Cebu

🇬🇭 Accra

🕒 Local time

13:03 1:03 PM

05:03 5:03 AM

8 h behind Cebu

🌤 Weather

👥 Population

964,169

2,388,000 Capital

💱 Currency

Philippine Peso PHP ₱

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 GHS = 8.53 USD

100 GHS = 7.6 EUR

Exchange rates and currency converter

GHS, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

Ghanaian Cedi exchange rates as of October 10, 2026: 1 USD = 11.73 GHS (100 GHS = 8.53 USD). 1 EUR = 13.16 GHS (100 GHS = 7.6 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Accra 13,580 km ≈ 17 h nonstop flight

From you

Cebu
Accra

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

Cebu vs Accra: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $934 in Cebu, $1,073 in Accra – roughly 15% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,401 per month in Cebu and $1,610 in Accra. 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.

Groceries cost about 32% more in Accra, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $23.00 in Cebu and $52.0 in Accra. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $934, than in Accra at $1,073. In Cebu it covers expenses comfortably, while in Accra it requires careful planning or may not stretch far enough.

It depends on your priorities. Cebu has an edge in some lifestyle areas, with costs from $934 in Cebu to $1,073 in Accra. Climate, culture, job market, and personal taste all factor in.

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