Last update: Oct 2026

Cost of Living Comparison Between Cebu and Agana Heights

For one person, living is cheaper in Cebu: $934 a month against $1,009 in Agana Heights, rent and utilities included – about $900 less a year. The total is higher in Agana Heights despite lower rent and utilities.

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Cost of Living Index in Cebu
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Cebu Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Agana Heights

🇬🇺 Guam

$1,009

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Agana Heights

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 Agana Heights actually costs, broken down by who's living it.

Monthly costs for one person with rent: $934 in Cebu versus $1,009 in Agana Heights.

Cebu $934
Agana Heights $1,009

Estimated couple costs with rent: $1,415 in Cebu versus $1,355 in Agana Heights.

Cebu $1,415
Agana Heights $1,355

Monthly costs for a family of three with rent: $1,896 in Cebu versus $1,701 in Agana Heights.

Cebu $1,896
Agana Heights $1,701

Living in Cebu costs roughly 7% less than in Agana Heights, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Agana Heights 25% lower.

Meal at Budget Restaurant

$3.03 ₱190

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

Cappuccino

$2.52 ₱158

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

$1.54 ₱96.9

Water (0.33 liter bottle)

$0.49 ₱30.98

Local Beer (0.5 liter draught)

$1.79 ₱112

Imported Beer (0.33 liter bottle)

$2.26 ₱142

Milk (1 liter)

$1.95 ₱122

$1.75 $1.75

11.43%

White Bread (500g)

$1.43 ₱89.7

$4.76 $4.76

-69.96%

Rice (white) (1kg)

$1.02 ₱63.8

$1.77 $1.77

-42.37%

Eggs

$2.06 ₱129

$3.91 $3.91

-47.31%

Local Cheese (1kg)

$9.81 ₱615

$26.95 $26.95

-63.60%

Chicken Fillets (1kg)

$4.61 ₱289

$6.46 $6.46

-28.64%

Beef Round Steak (1kg)

$7.70 ₱483

$17.29 $17.29

-55.47%

Apples (1kg)

$3.31 ₱207

$3.88 $3.88

-14.69%

Banana (1kg)

$1.45 ₱90.9

$1.17 $1.17

23.93%

Oranges (1kg)

$2.36 ₱148

$1.91 $1.91

23.56%

Tomato (1kg)

$1.54 ₱96.4

$6.49 $6.49

-76.27%

Potato (1kg)

$2.36 ₱148

$2.78 $2.78

-15.11%

Onion (1kg)

$1.99 ₱125

$2.80 $2.80

-28.93%

Lettuce (1 head)

$1.15 ₱72.1

$4.06 $4.06

-71.67%

Water (1.5 liter bottle)

$0.67 ₱42.15

$1.96 $1.96

-65.82%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$9.85 $9.85

-69.54%

Wine (Bottle)

$6.35 ₱398

$12.03 $12.03

-47.22%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.74 $1.74

-24.71%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$1.53 $1.53

13.07%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$2.97 $2.97

-91.58%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$60.3 $60.3

-79.03%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$9.83 $9.83

-92.47%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

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

$21.8K ₱1.4M

$38.4K $38.4K

-43.33%

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

$19.4K ₱1.2M

$34.9K $34.9K

-44.36%

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

$121 ₱7,563

$342 $342

-64.78%

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

$14.45 ₱907

$75.6 $75.6

-80.88%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$96.5 $96.5

-70.67%

Gym Membership (Monthly)

$32.68 ₱2,050

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱342

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

Men's Leather Business Shoes

$59.3 ₱3,717

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Cebu: October 5, 2026

Last update for Agana Heights: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Agana Heights

–

Groceries & Markets

Cebu

$210 22.7%

Agana Heights

–

Monthly Utilities & Internet

Cebu

$163 17.7%

Agana Heights

–

Clothing & Footwear

Cebu

$95 10.2%

Agana Heights

–

Eating Out

Cebu

$88 9.6%

Agana Heights

–

Sport & Entertainment

Cebu

$44 4.7%

Agana Heights

–

Getting Around

Cebu

$15 1.7%

Agana Heights

–

Good to know

🇵🇭 Cebu

🇬🇺 Agana Heights

🕒 Local time

20:10 8:10 PM

22:10 10:10 PM

2 h ahead of Cebu

🌤 Weather

👥 Population

964,169

3,940

💱 Currency

Philippine Peso PHP ₱

United States Dollar USD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Agana Heights 2,290 km ≈ 3 h 15 min nonstop flight

From you

Cebu
Agana Heights

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 Agana Heights: Cost of Living - Frequently Asked Questions

Cebu wins on cost – living expenses run 8% lower than in Agana Heights. Housing and daily spending are where you'll feel the difference most, making Cebu the obvious pick if budget is a priority.

You'd need roughly $1,401 in Cebu and $1,513 in Agana Heights to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

All in, you'll spend $934 per month in Cebu versus $1,009 in Agana Heights – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

Supermarket bills run roughly 94% higher in Agana Heights. For households that cook at home regularly, that difference adds up over a month.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both work as nomad bases, but Cebu delivers better value – similar infrastructure at $934 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Cebu hard to pass up.

Safety-wise, Cebu and Agana Heights 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 8% less than in Agana Heights. Beyond cost, consider language, visa policies, and how big the international community is in each city.