Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ar Ramadi

For one person, living is cheaper in Ar Ramadi: $653 a month against $915 in Cebu, rent and utilities included – about $3,100 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
31

Cost of Living Index in Ar Ramadi
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Ar Ramadi Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$915

/mo nomad

Ar Ramadi

🇮🇶 Iraq

$653

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ar Ramadi

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

A single person spends $915 per month in Cebu vs $653 in Ar Ramadi, rent included.

Cebu $915
Ar Ramadi $653

A couple spends around $1,418 per month in Cebu vs $1,023 in Ar Ramadi, rent included.

Cebu $1,418
Ar Ramadi $1,023

A family of three spends $1,921 per month in Cebu vs $1,394 in Ar Ramadi, rent included.

Cebu $1,921
Ar Ramadi $1,394

Cebu costs about 40% more than Ar Ramadi, and outside of rent the biggest gap is in groceries.

Both Cebu and Ar Ramadi are more affordable than the global median – Cebu 33% lower, Ar Ramadi 52% lower.

Meal at Budget Restaurant

$3.05 ₱192

$4.03 IQD 6,084

-24.32%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$21.26 IQD 32.1K

12.89%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$6.32 IQD 9,546

-36.87%

Cappuccino

$2.50 ₱157

$2.46 IQD 3,714

1.63%

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

$1.54 ₱97.1

$0.37 IQD 555

316.22%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.17 IQD 263

194.12%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.89 IQD 4,370

-38.41%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.61 IQD 3,951

-16.86%

Milk (1 liter)

$2.00 ₱126

$1.03 IQD 1,564

94.17%

White Bread (500g)

$1.37 ₱86.2

$0.72 IQD 1,084

90.28%

Rice (white) (1kg)

$1.03 ₱64.9

$1.43 IQD 2,165

-27.97%

Eggs

$2.03 ₱128

$1.56 IQD 2,350

30.13%

Local Cheese (1kg)

$10.20 ₱642

$3.79 IQD 5,729

169.13%

Chicken Fillets (1kg)

$4.45 ₱280

$3.71 IQD 5,604

19.95%

Beef Round Steak (1kg)

$7.67 ₱483

$11.73 IQD 17.7K

-34.61%

Apples (1kg)

$3.31 ₱208

$0.98 IQD 1,477

237.76%

Banana (1kg)

$1.46 ₱91.8

$0.95 IQD 1,431

53.68%

Oranges (1kg)

$2.32 ₱146

$0.85 IQD 1,280

172.94%

Tomato (1kg)

$1.49 ₱94.0

$0.67 IQD 1,006

122.39%

Potato (1kg)

$2.34 ₱147

$0.56 IQD 852

317.86%

Onion (1kg)

$1.94 ₱122

$0.62 IQD 934

212.90%

Lettuce (1 head)

$1.16 ₱73.0

$0.60 IQD 908

93.33%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.51 IQD 775

33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$1.65 IQD 2,492

81.21%

Wine (Bottle)

$6.24 ₱393

$10.68 IQD 16.1K

-41.57%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.40 IQD 2,112

-12.14%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.79 IQD 2,697

-3.35%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.43 IQD 644

-46.51%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$19.54 IQD 29.5K

-36.85%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$1.86 IQD 2,804

-57.53%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$1.35 IQD 2,046

-83.70%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$5.74 IQD 8,671

-20.91%

Gasoline (1 liter)

$1.32 ₱82.9

$0.57 IQD 865

131.58%

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

$21.0K ₱1.3M

$16.4K IQD 24.9M

27.71%

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

$19.4K ₱1.2M

$16.9K IQD 25.5M

14.86%

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

$119 ₱7,464

$87.3 IQD 131.9K

35.84%

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

$14.22 ₱896

$12.23 IQD 18.5K

16.27%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$24.24 IQD 36.6K

13.33%

Gym Membership (Monthly)

$32.31 ₱2,034

$37.45 IQD 56.6K

-13.72%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$5.40 ₱340

$9.01 IQD 13.6K

-40.07%

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

$276 ₱17.4K

$148 IQD 223.1K

86.95%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$2,802 IQD 4.2M

180.78%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$21.01 IQD 31.7K

134.98%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$20.76 IQD 31.4K

18.40%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$47.83 IQD 72.3K

60.23%

Men's Leather Business Shoes

$58.9 ₱3,706

$30.72 IQD 46.4K

91.60%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$173 IQD 260.9K

191.55%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$132 IQD 199.4K

130.71%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$371 IQD 560.7K

189.66%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$309 IQD 466.8K

104.62%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$696 IQD 1.1M

312.11%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$580 IQD 876.5K

223.62%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.33

116.22%

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

Last update for Cebu: October 19, 2026

Last update for Ar Ramadi: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Ar Ramadi

$132 20.2% 56.7% $173

Groceries & Markets

Cebu

$210 22.9%

Ar Ramadi

$155 23.8% 25.9% $54

Monthly Utilities & Internet

Cebu

$160 17.5%

Ar Ramadi

$124 19% 22.8% $37

Clothing & Footwear

Cebu

$94 10.3%

Ar Ramadi

$54 8.3% 42.6% $40

Eating Out

Cebu

$88 9.6%

Ar Ramadi

$103 15.7% 16.8% $15

Sport & Entertainment

Cebu

$43 4.7%

Ar Ramadi

$55 8.5% 28.7% $12

Getting Around

Cebu

$15 1.7%

Ar Ramadi

$30 4.6% 97.2% $15

Cost Breakdown

A central one-bedroom costs $503 in Cebu versus $173 in Ar Ramadi. 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 $21.00 in Ar Ramadi. Monthly groceries follow the same trend: $210 vs $155 – making Ar Ramadi the more affordable choice for daily food spending.

Good to know

🇵🇭 Cebu

🇮🇶 Ar Ramadi

🕒 Local time

05:57 5:57 AM

00:57 12:57 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

223,500

💱 Currency

Philippine Peso PHP ₱

Iraqi Dinar IQD ع.د

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.89 EUR

Exchange rates and currency converter

IQD, 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).

Iraqi Dinar exchange rates as of October 20, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,699 IQD (10,000 IQD = 5.89 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Ar Ramadi 8,510 km ≈ 11 h nonstop flight

From you

Cebu
Ar Ramadi

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 Ar Ramadi: Cost of Living - Frequently Asked Questions

Cebu costs about 40% more than Ar Ramadi, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,372 per month in Cebu and $980 in Ar Ramadi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ar Ramadi, 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 $653 in Ar Ramadi. That's a gap of about 40%.

Public transport costs about 58% less in Ar Ramadi. For daily commuters, that gap adds up to noticeable savings over a year.

$800 covers both cities comfortably – all-in costs are $915 in Cebu and $653 in Ar Ramadi, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Ar Ramadi costs $653 versus $915 in Cebu. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Ar Ramadi. If higher salaries, better infrastructure, or specific career opportunities are the priority, Cebu makes more sense. Both are solid long-term options with distinct trade-offs.