Last update: Oct 2026

Cost of Living Comparison Between Cebu and the Andaman Islands

For one person, living is cheaper in the Andaman Islands: $363 a month against $915 in Cebu, rent and utilities included – about $6,600 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
17

Cost of Living Index in the Andaman Islands
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Andaman Islands Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Andaman Islands

🇮🇳 India

$363

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in the Andaman Islands

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 the Andaman Islands actually costs, broken down by who's living it.

Monthly costs for one person with rent: $915 in Cebu versus $363 in the Andaman Islands.

Cebu $915
Andaman Islands $363

Estimated couple costs with rent: $1,418 in Cebu versus $567 in the Andaman Islands.

Cebu $1,418
Andaman Islands $567

Monthly costs for a family of three with rent: $1,921 in Cebu versus $772 in the Andaman Islands.

Cebu $1,921
Andaman Islands $772

Living in Cebu is roughly 152% more expensive than in the Andaman Islands, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 33% lower, Andaman Islands 73% lower.

Meal at Budget Restaurant

$3.05 ₱192

$2.06 ₹195

48.06%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$6.13 ₹582

291.52%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$3.69 ₹351

8.13%

Cappuccino

$2.50 ₱157

$1.28 ₹122

95.31%

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

$1.54 ₱97.1

$0.71 ₹67.2

116.90%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.20 ₹18.84

150.00%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.45 ₹137

22.76%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.84 ₹269

-23.59%

Milk (1 liter)

$2.00 ₱126

$0.95 ₹90.1

110.53%

White Bread (500g)

$1.37 ₱86.2

$0.46 ₹43.52

197.83%

Rice (white) (1kg)

$1.03 ₱64.9

$0.72 ₹68.2

43.06%

Eggs

$2.03 ₱128

$1.22 ₹116

66.39%

Local Cheese (1kg)

$10.20 ₱642

$4.42 ₹420

130.77%

Chicken Fillets (1kg)

$4.45 ₱280

$2.89 ₹275

53.98%

Beef Round Steak (1kg)

$7.67 ₱483

Apples (1kg)

$3.31 ₱208

$1.98 ₹188

67.17%

Banana (1kg)

$1.46 ₱91.8

$0.62 ₹59.3

135.48%

Oranges (1kg)

$2.32 ₱146

$0.89 ₹84.5

160.67%

Tomato (1kg)

$1.49 ₱94.0

$0.45 ₹42.72

231.11%

Potato (1kg)

$2.34 ₱147

$0.56 ₹53.2

317.86%

Onion (1kg)

$1.94 ₱122

$0.40 ₹37.59

385.00%

Lettuce (1 head)

$1.16 ₱73.0

$0.47 ₹44.44

146.81%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.25 ₹23.77

172.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$5.14 ₹488

-41.83%

Wine (Bottle)

$6.24 ₱393

$7.52 ₹714

-17.02%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.65 ₹157

-25.45%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.60 ₹247

-33.46%

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

$5.02 ₹477

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.25 ₹23.51

-8.00%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$7.75 ₹736

59.23%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$0.81 ₹76.9

-2.47%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.27 ₹25.67

-18.52%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$1.56 ₹148

191.03%

Gasoline (1 liter)

$1.32 ₱82.9

$1.04 ₹98.8

26.92%

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

$21.0K ₱1.3M

$12.5K ₹1.2M

67.67%

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

$19.4K ₱1.2M

$19.3K ₹1.8M

0.61%

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

$119 ₱7,464

$35.05 ₹3,328

238.23%

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

$14.22 ₱896

$3.40 ₹322

318.24%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$6.41 ₹608

328.55%

Gym Membership (Monthly)

$32.31 ₱2,034

$14.38 ₹1,366

124.69%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$6.33 ₹601

2.69%

Cinema Ticket

$5.40 ₱340

$2.42 ₹230

123.14%

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

$276 ₱17.4K

$47.89 ₹4,547

476.36%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$1,409 ₹133.8K

458.17%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$21.96 ₹2,085

124.82%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$23.14 ₹2,198

6.22%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$38.59 ₹3,665

98.60%

Men's Leather Business Shoes

$58.9 ₱3,706

$27.98 ₹2,657

110.36%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$123 ₹11.7K

308.79%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$73.4 ₹6,967

315.03%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$261 ₹24.8K

311.20%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$172 ₹16.4K

266.98%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$985 ₹93.6K

191.26%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$523 ₹49.7K

258.84%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$282 ₹26.8K

19.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.86

-18.74%

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

Last update for Cebu: October 19, 2026

Last update for the Andaman Islands: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Andaman Islands

$73 20.2% 75.9% $231

Groceries & Markets

Cebu

$210 22.9%

Andaman Islands

$105 28.9% 50% $105

Monthly Utilities & Internet

Cebu

$160 17.5%

Andaman Islands

$45 12.4% 72% $115

Clothing & Footwear

Cebu

$94 10.3%

Andaman Islands

$50 13.9% 46.7% $44

Eating Out

Cebu

$88 9.6%

Andaman Islands

$59 16.4% 32.3% $28

Sport & Entertainment

Cebu

$43 4.7%

Andaman Islands

$19 5.3% 55.4% $24

Getting Around

Cebu

$15 1.7%

Andaman Islands

$11 3% 28.1% $4.3

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $123 in the Andaman Islands. Housing cost is often the main lever when comparing two cities.

Cebu pays 19% 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 $6.00 in the Andaman Islands for a mid-range dinner for two. Groceries echo the gap at $210 vs $105 per month, with the Andaman Islands cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Andaman Islands

🕒 Local time

01:04 1:04 AM

22:34 10:34 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

343,125

💱 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 22, 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 22, 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

Lowest

Highest

Between locations

Cebu Andaman Islands 3,390 km ≈ 4 h 45 min nonstop flight

From you

Cebu
Andaman Islands

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 Andaman Islands: Cost of Living - Frequently Asked Questions

Andaman Islands is cheaper overall, especially in groceries, clothing, and eating out. The 152% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 19% 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: $503 in Cebu versus $123 in the Andaman Islands. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in the Andaman Islands runs roughly 59% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $276 in Cebu versus $47.89 in the Andaman Islands. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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

For families, Andaman Islands is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Andaman Islands 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 Andaman Islands gentler on the wallet – expenses run 152% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.