Last update: Oct 2026

Cost of Living Comparison Between Cebu and Bagamoyo

For one person, living is cheaper in Bagamoyo: $386 a month against $918 in Cebu, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
19

Cost of Living Index in Bagamoyo
Learn more

Bagamoyo Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Bagamoyo

🇹🇿 Tanzania

$386

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Bagamoyo

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

Monthly costs for one person with rent: $918 in Cebu versus $386 in Bagamoyo.

Cebu $918
Bagamoyo $386

Estimated couple costs with rent: $1,409 in Cebu versus $649 in Bagamoyo.

Cebu $1,409
Bagamoyo $649

Monthly costs for a family of three with rent: $1,900 in Cebu versus $912 in Bagamoyo.

Cebu $1,900
Bagamoyo $912

Living in Cebu is roughly 138% more expensive than in Bagamoyo, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Bagamoyo 71% lower.

Meal at Budget Restaurant

$3.09 ₱194

$1.91 TZS 4,990

61.78%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$11.59 TZS 30.4K

108.97%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.49 TZS 19.6K

-47.66%

Cappuccino

$2.51 ₱158

$1.94 TZS 5,070

29.38%

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

$1.59 ₱100

$0.33 TZS 863

381.82%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.22 TZS 569

140.91%

Local Beer (0.5 liter draught)

$1.78 ₱112

$0.93 TZS 2,424

91.40%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.91 TZS 4,995

13.61%

Milk (1 liter)

$1.92 ₱121

$0.78 TZS 2,036

146.15%

White Bread (500g)

$1.36 ₱85.4

$0.60 TZS 1,583

126.67%

Rice (white) (1kg)

$1.01 ₱63.5

$0.39 TZS 1,029

158.97%

Eggs

$2.03 ₱128

$1.93 TZS 5,062

5.18%

Local Cheese (1kg)

$9.86 ₱621

$9.19 TZS 24.1K

7.29%

Chicken Fillets (1kg)

$4.39 ₱277

$4.83 TZS 12.6K

-9.11%

Beef Round Steak (1kg)

$7.60 ₱479

$3.93 TZS 10.3K

93.38%

Apples (1kg)

$3.30 ₱208

$2.49 TZS 6,519

32.53%

Banana (1kg)

$1.39 ₱87.8

$0.97 TZS 2,547

43.30%

Oranges (1kg)

$2.33 ₱147

$1.08 TZS 2,821

115.74%

Tomato (1kg)

$1.50 ₱94.3

$0.55 TZS 1,434

172.73%

Potato (1kg)

$2.36 ₱149

$0.31 TZS 814

661.29%

Onion (1kg)

$1.90 ₱119

$0.29 TZS 758

555.17%

Lettuce (1 head)

$1.19 ₱74.9

$0.81 TZS 2,109

46.91%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.36 TZS 948

75.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.06 TZS 5,392

45.63%

Wine (Bottle)

$6.03 ₱379

$7.24 TZS 19.0K

-16.71%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.94 TZS 2,454

30.85%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.62 TZS 4,231

8.02%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.70 TZS 4,447

-54.71%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.55 TZS 4,055

-85.16%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$13.09 TZS 34.3K

-65.93%

Gasoline (1 liter)

$1.31 ₱82.8

$1.41 TZS 3,694

-7.09%

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

$21.2K ₱1.3M

$16.9K TZS 44.2M

25.87%

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

$19.1K ₱1.2M

$26.4K TZS 69.2M

-27.51%

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

$120 ₱7,569

$57.7 TZS 151.1K

108.41%

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

$14.00 ₱882

$4.81 TZS 12.6K

191.06%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$22.79 TZS 59.7K

20.84%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$5.25 TZS 13.7K

7.62%

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

$275 ₱17.3K

$560 TZS 1.5M

-50.81%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$13.3K TZS 34.9M

-40.54%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$15.63 TZS 40.9K

215.61%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$25.86 TZS 67.7K

-2.40%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$44.92 TZS 117.6K

71.33%

Men's Leather Business Shoes

$57.2 ₱3,601

$59.3 TZS 155.4K

-3.59%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$57.0 TZS 149.2K

777.12%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$232 TZS 607.1K

365.01%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$113 TZS 296.1K

444.25%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

18.25

-60.55%

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

Last update for Cebu: October 12, 2026

Last update for Bagamoyo: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Bagamoyo

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Bagamoyo

$143 37.2% 30.4% $62

Monthly Utilities & Internet

Cebu

$162 17.6%

Bagamoyo

$85 22.1% 47.3% $76

Clothing & Footwear

Cebu

$94 10.2%

Bagamoyo

$66 17% 30.2% $28

Eating Out

Cebu

$88 9.6%

Bagamoyo

$72 18.6% 18.9% $17

Sport & Entertainment

Cebu

$44 4.8%

Bagamoyo

$10 * 2.7% 76% $33

Getting Around

Cebu

$16 1.7%

Bagamoyo

$9.4 * 2.5% 39.4% $6.1

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

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $57.0 in Bagamoyo. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $12.00 in Bagamoyo for a mid-range dinner for two. Groceries echo the gap at $206 vs $143 per month, with Bagamoyo cheaper across the board.

Good to know

🇵🇭 Cebu

🇹🇿 Bagamoyo

🕒 Local time

22:53 10:53 PM

17:53 5:53 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

55,000

💱 Currency

Philippine Peso PHP ₱

Tanzanian Shilling TZS Sh

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

10,000 TZS = 3.82 USD

10,000 TZS = 3.4 EUR

Exchange rates and currency converter

TZS, 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 = 70.79 PHP (100 PHP = 1.41 EUR).

Tanzanian Shilling exchange rates as of October 17, 2026: 1 USD = 2,619 TZS (10,000 TZS = 3.82 USD). 1 EUR = 2,945 TZS (10,000 TZS = 3.4 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Bagamoyo 9,590 km ≈ 12 h nonstop flight

From you

Cebu
Bagamoyo

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 Bagamoyo: Cost of Living - Frequently Asked Questions

Bagamoyo wins on cost – living expenses run 138% lower than in Cebu. Housing and daily spending are where you'll feel the difference most, making Bagamoyo the obvious pick if budget is a priority.

You'd need roughly $1,377 in Cebu and $579 in Bagamoyo 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.

Rent for a central apartment: $500 in Cebu versus $57.0 in Bagamoyo. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $275 in Cebu versus $560 in Bagamoyo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Bagamoyo – a meal for two runs $12.00 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 Bagamoyo 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 Bagamoyo delivers better value – similar infrastructure at $386 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Bagamoyo hard to pass up.

Safety-wise, Cebu and Bagamoyo 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 Bagamoyo gentler on the wallet – expenses run 138% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.