Last update: Oct 2026

Cost of Living Comparison Between Cebu and Apatity

For one person, living is cheaper in Cebu: $915 a month against $1,070 in Apatity, rent and utilities included – about $1,900 less a year. Other living expenses account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
51

Cost of Living Index in Apatity
Learn more

Apatity Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$915

/mo nomad

Apatity

🇷🇺 Russia

$1,070

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Apatity

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

A single person spends $915 per month in Cebu vs $1,070 in Apatity, rent included.

Cebu $915
Apatity $1,070

A couple spends around $1,418 per month in Cebu vs $1,672 in Apatity, rent included.

Cebu $1,418
Apatity $1,672

A family of three spends $1,921 per month in Cebu vs $2,275 in Apatity, rent included.

Cebu $1,921
Apatity $2,275

Cebu is about 15% cheaper than Apatity, and outside of rent the biggest gap is in eating out.

Both Cebu and Apatity are more affordable than the global median – Cebu 33% lower, Apatity 21% lower.

Meal at Budget Restaurant

$3.05 ₱192

$12.81 ₽1,069

-76.19%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$33.57 ₽2,801

-28.51%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$6.93 ₽578

-42.42%

Cappuccino

$2.50 ₱157

$2.72 ₽227

-8.09%

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

$1.54 ₱97.1

$1.07 ₽89.0

43.93%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.57 ₽47.60

-12.28%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.69 ₽141

5.33%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$3.41 ₽285

-36.36%

Milk (1 liter)

$2.00 ₱126

$1.05 ₽87.8

90.48%

White Bread (500g)

$1.37 ₱86.2

$0.66 ₽54.8

107.58%

Rice (white) (1kg)

$1.03 ₱64.9

$1.23 ₽103

-16.26%

Eggs

$2.03 ₱128

$1.73 ₽145

17.34%

Local Cheese (1kg)

$10.20 ₱642

$12.08 ₽1,008

-15.56%

Chicken Fillets (1kg)

$4.45 ₱280

$6.03 ₽503

-26.20%

Beef Round Steak (1kg)

$7.67 ₱483

$12.86 ₽1,073

-40.36%

Apples (1kg)

$3.31 ₱208

$1.82 ₽152

81.87%

Banana (1kg)

$1.46 ₱91.8

$1.67 ₽140

-12.57%

Oranges (1kg)

$2.32 ₱146

$1.61 ₽134

44.10%

Tomato (1kg)

$1.49 ₱94.0

$3.04 ₽254

-50.99%

Potato (1kg)

$2.34 ₱147

$0.84 ₽69.8

178.57%

Onion (1kg)

$1.94 ₱122

$0.64 ₽53.8

203.12%

Lettuce (1 head)

$1.16 ₱73.0

$1.25 ₽104

-7.20%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.68 ₽56.7

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$2.84 ₽237

5.28%

Wine (Bottle)

$6.24 ₱393

$8.52 ₽711

-26.76%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$0.98 ₽81.6

25.51%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.93 ₽161

-10.36%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.59 ₽48.86

-61.02%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$2.25 ₽188

-64.89%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.34 ₽28.42

-35.29%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$5.41 ₽452

-16.08%

Gasoline (1 liter)

$1.32 ₱82.9

$0.82 ₽68.8

60.98%

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

$21.0K ₱1.3M

$56.8K ₽4.7M

-63.04%

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

$19.4K ₱1.2M

$41.0K ₽3.4M

-52.62%

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

$119 ₱7,464

$134 ₽11.2K

-11.44%

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

$14.22 ₱896

$7.14 ₽596

99.16%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$9.70 ₽810

183.20%

Gym Membership (Monthly)

$32.31 ₱2,034

$33.93 ₽2,832

-4.77%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$27.18 ₽2,269

-76.09%

Cinema Ticket

$5.40 ₱340

$7.27 ₽607

-25.72%

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

$276 ₱17.4K

$401 ₽33.5K

-31.22%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$5,935 ₽495.3K

32.54%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$90.8 ₽7,578

-45.62%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$45.47 ₽3,795

-45.94%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$114 ₽9,533

-32.90%

Men's Leather Business Shoes

$58.9 ₱3,706

$100 ₽8,361

-41.25%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$417 ₽34.8K

20.73%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$312 ₽26.0K

-2.30%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$982 ₽81.9K

9.48%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$587 ₽49.0K

7.71%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$1,948 ₽162.6K

47.34%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$1,630 ₽136.0K

15.17%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

27.67

-73.98%

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

Last update for Cebu: October 19, 2026

Last update for Apatity: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Apatity

$312 29.1% 2.3% $7.2

Groceries & Markets

Cebu

$210 22.9%

Apatity

$217 20.3% 3.7% $7.8

Monthly Utilities & Internet

Cebu

$160 17.5%

Apatity

$151 14.1% 6% $9.5

Clothing & Footwear

Cebu

$94 10.3%

Apatity

$158 14.8% 67.4% $64

Eating Out

Cebu

$88 9.6%

Apatity

$178 16.6% 103% $90

Sport & Entertainment

Cebu

$43 4.7%

Apatity

$48 4.5% 12.5% $5.4

Getting Around

Cebu

$15 1.7%

Apatity

$6.3 * 0.6% 58.4% $8.9

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $503 in Cebu versus $417 in Apatity. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $24.00 in Cebu versus $34.00 in Apatity. Monthly groceries follow the same trend: $210 vs $217 – making Cebu the more affordable choice for daily food spending.

Good to know

🇵🇭 Cebu

🇷🇺 Apatity

🕒 Local time

06:17 6:17 AM

01:17 1:17 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

48,748

💱 Currency

Philippine Peso PHP ₱

Russian Ruble RUB ₽

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 RUB = 1.2 USD

100 RUB = 1.07 EUR

Exchange rates and currency converter

RUB, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Russian Ruble exchange rates as of October 20, 2026: 1 USD = 83.46 RUB (100 RUB = 1.2 USD). 1 EUR = 93.83 RUB (100 RUB = 1.07 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Apatity 8,970 km ≈ 12 h nonstop flight

From you

Cebu
Apatity

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 Apatity: Cost of Living - Frequently Asked Questions

Yes – Apatity is pricier by about 17%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,372 per month in Cebu and $1,605 in Apatity. 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.

Monthly expenses with rent come to $915 in Cebu and $1,070 in Apatity. That's a gap of about 17%.

Kindergarten costs $276 per month in Cebu and $401 in Apatity. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $915, than in Apatity at $1,070. In Cebu it covers expenses comfortably, while in Apatity it requires careful planning or may not stretch far enough.

Families tend to lean toward Cebu – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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