Last update: Oct 2026

Cost of Living Comparison Between Cebu and Agra

For one person, living is cheaper in Agra: $399 a month against $918 in Cebu, rent and utilities included – about $6,200 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
19

Cost of Living Index in Agra
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Agra Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Agra

🇮🇳 India

$399

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Agra

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

Monthly costs for one person with rent: $918 in Cebu versus $399 in Agra.

Cebu $918
Agra $399

Estimated couple costs with rent: $1,409 in Cebu versus $610 in Agra.

Cebu $1,409
Agra $610

Monthly costs for a family of three with rent: $1,900 in Cebu versus $820 in Agra.

Cebu $1,900
Agra $820

Living in Cebu is roughly 130% more expensive than in Agra, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Agra 70% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.13 ₹297

-1.28%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$15.77 ₹1,497

53.58%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.73 ₹354

5.09%

Cappuccino

$2.51 ₱158

$2.00 ₹190

25.50%

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

$1.59 ₱100

$0.45 ₹42.31

253.33%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.14 ₹13.10

278.57%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.06 ₹196

-13.59%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.56 ₹243

-15.23%

Milk (1 liter)

$1.92 ₱121

$0.76 ₹72.3

152.63%

White Bread (500g)

$1.36 ₱85.4

$0.53 ₹50.3

156.60%

Rice (white) (1kg)

$1.01 ₱63.5

$0.78 ₹74.5

29.49%

Eggs

$2.03 ₱128

$1.09 ₹103

86.24%

Local Cheese (1kg)

$9.86 ₱621

$3.42 ₹325

188.30%

Chicken Fillets (1kg)

$4.39 ₱277

$4.34 ₹412

1.15%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$1.55 ₹147

112.90%

Banana (1kg)

$1.39 ₱87.8

$0.58 ₹55.2

139.66%

Oranges (1kg)

$2.33 ₱147

$0.83 ₹78.5

180.72%

Tomato (1kg)

$1.50 ₱94.3

$0.82 ₹77.4

82.93%

Potato (1kg)

$2.36 ₱149

$0.36 ₹34.16

555.56%

Onion (1kg)

$1.90 ₱119

$0.47 ₹44.60

304.26%

Lettuce (1 head)

$1.19 ₱74.9

$0.77 ₹72.9

54.55%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.30 ₹28.85

110.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.88 ₹464

-38.52%

Wine (Bottle)

$6.03 ₱379

$7.30 ₹693

-17.40%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.36 ₹129

-9.56%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.55 ₹242

-31.37%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$7.20 ₹684

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.30 ₹28.41

-16.67%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$15.91 ₹1,511

-20.55%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.32 ₹30.74

140.63%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.20 ₹18.95

15.00%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$1.27 ₹120

251.18%

Gasoline (1 liter)

$1.31 ₱82.8

$1.12 ₹106

16.96%

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

$21.2K ₱1.3M

$10.5K ₹994.3K

102.89%

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

$19.1K ₱1.2M

$18.9K ₹1.8M

1.28%

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

$120 ₱7,569

$52.6 ₹4,992

128.70%

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

$14.00 ₱882

$3.40 ₹323

311.76%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$6.54 ₹621

321.10%

Gym Membership (Monthly)

$32.33 ₱2,035

$17.27 ₹1,640

87.20%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$12.88 ₹1,223

-48.37%

Cinema Ticket

$5.65 ₱356

$3.06 ₹290

84.64%

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

$275 ₱17.3K

$34.62 ₹3,288

695.23%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,159 ₹110.0K

583.47%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$33.12 ₹3,145

48.94%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$19.92 ₹1,892

26.71%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$50.1 ₹4,762

53.49%

Men's Leather Business Shoes

$57.2 ₱3,601

$28.43 ₹2,699

101.20%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$119 ₹11.3K

318.78%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$51.4 ₹4,883

500.58%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$183 ₹17.4K

487.47%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$62.8 ₹5,962

879.96%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,026 ₹97.4K

181.26%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$165 ₹15.7K

1061.34%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$288 ₹27.4K

20.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.33

-13.57%

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

Last update for Cebu: October 12, 2026

Last update for Agra: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Agra

$51 12.9% 83.4% $257

Groceries & Markets

Cebu

$206 22.4%

Agra

$106 26.6% 48.4% $100

Monthly Utilities & Internet

Cebu

$162 17.6%

Agra

$63 15.7% 61.4% $99

Clothing & Footwear

Cebu

$94 10.2%

Agra

$59 14.8% 36.9% $35

Eating Out

Cebu

$88 9.6%

Agra

$78 19.5% 11.6% $10

Sport & Entertainment

Cebu

$44 4.8%

Agra

$23 5.9% 46.4% $20

Getting Around

Cebu

$16 1.7%

Agra

$18 4.6% 18.4% $2.9

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $119 in Agra. Housing cost is often the main lever when comparing two cities.

Cebu pays 20% 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: $24.00 in Cebu vs $16.00 in Agra for a mid-range dinner for two. Groceries echo the gap at $206 vs $106 per month, with Agra cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Agra

🕒 Local time

07:04 7:04 AM

04:34 4:34 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

1,500,000

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Agra 5,150 km ≈ 7 h nonstop flight

From you

Cebu
Agra

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 Agra: Cost of Living - Frequently Asked Questions

Agra wins on cost – living expenses run 130% lower than in Cebu. Housing and daily spending are where you'll feel the difference most, making Agra the obvious pick if budget is a priority.

Average pay runs 20% higher in Cebu, 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: $500 in Cebu versus $119 in Agra. Housing is usually the single largest factor when comparing overall living costs between the two.

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

Dining out is cheaper in Agra – a meal for two runs $16.00 versus $24.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $800 a month, though Agra 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 Agra delivers better value – similar infrastructure at $399 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Agra hard to pass up.

Safety-wise, Cebu and Agra 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 Agra gentler on the wallet – expenses run 130% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.