Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ballarat

For one person, living is cheaper in Cebu: $918 a month against $1,902 in Ballarat, rent and utilities included – about $11,800 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
93

Cost of Living Index in Ballarat
Learn more

Ballarat Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Ballarat

🇦🇺 Australia

$1,902

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ballarat

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

Monthly costs for one person with rent: $918 in Cebu versus $1,902 in Ballarat.

Cebu $918
Ballarat $1,902

Estimated couple costs with rent: $1,409 in Cebu versus $3,035 in Ballarat.

Cebu $1,409
Ballarat $3,035

Monthly costs for a family of three with rent: $1,900 in Cebu versus $4,168 in Ballarat.

Cebu $1,900
Ballarat $4,168

Living in Cebu costs roughly 52% less than in Ballarat, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Ballarat is 41% above.

Meal at Budget Restaurant

$3.09 ₱194

$17.70 A$25.47

-82.54%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$69.9 A$101

-65.35%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$10.27 A$14.78

-61.83%

Cappuccino

$2.51 ₱158

$3.79 A$5.45

-33.77%

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

$1.59 ₱100

$2.95 A$4.24

-46.10%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.89 A$2.72

-71.96%

Local Beer (0.5 liter draught)

$1.78 ₱112

$6.06 A$8.72

-70.63%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$6.09 A$8.77

-64.37%

Milk (1 liter)

$1.92 ₱121

$1.57 A$2.27

22.29%

White Bread (500g)

$1.36 ₱85.4

$2.65 A$3.82

-48.68%

Rice (white) (1kg)

$1.01 ₱63.5

$2.32 A$3.35

-56.47%

Eggs

$2.03 ₱128

$4.09 A$5.88

-50.37%

Local Cheese (1kg)

$9.86 ₱621

$10.56 A$15.20

-6.63%

Chicken Fillets (1kg)

$4.39 ₱277

$9.96 A$14.33

-55.92%

Beef Round Steak (1kg)

$7.60 ₱479

$14.97 A$21.55

-49.23%

Apples (1kg)

$3.30 ₱208

$3.51 A$5.04

-5.98%

Banana (1kg)

$1.39 ₱87.8

$3.02 A$4.34

-53.97%

Oranges (1kg)

$2.33 ₱147

$3.11 A$4.48

-25.08%

Tomato (1kg)

$1.50 ₱94.3

$4.68 A$6.73

-67.95%

Potato (1kg)

$2.36 ₱149

$3.07 A$4.42

-23.13%

Onion (1kg)

$1.90 ₱119

$2.55 A$3.67

-25.49%

Lettuce (1 head)

$1.19 ₱74.9

$2.35 A$3.38

-49.36%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.48 A$2.14

-57.43%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$34.39 A$49.49

-91.28%

Wine (Bottle)

$6.03 ₱379

$12.66 A$18.21

-52.37%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$2.31 A$3.33

-46.75%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.11 A$4.48

-43.73%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.76 A$3.97

-90.94%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$69.9 A$101

-81.90%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.53 A$3.65

-69.57%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.34 A$1.93

-82.84%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$26.64 A$38.33

-83.26%

Gasoline (1 liter)

$1.31 ₱82.8

$1.18 A$1.70

11.02%

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

$21.2K ₱1.3M

$28.4K A$40.9K

-25.30%

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

$19.1K ₱1.2M

$26.0K A$37.4K

-26.35%

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

$120 ₱7,569

$206 A$296

-41.51%

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

$14.00 ₱882

$27.76 A$39.95

-49.57%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$57.4 A$82.6

-52.02%

Gym Membership (Monthly)

$32.33 ₱2,035

$31.36 A$45.13

3.09%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$11.18 A$16.09

-40.52%

Cinema Ticket

$5.65 ₱356

$15.38 A$22.14

-63.26%

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

$275 ₱17.3K

$2,144 A$3,085

-87.16%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$30.2K A$43.4K

-73.78%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$68.7 A$98.8

-28.14%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$50.1 A$72.2

-49.66%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$99.6 A$143

-22.70%

Men's Leather Business Shoes

$57.2 ₱3,601

$134 A$193

-57.26%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$923 A$1,329

-45.90%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$671 A$965

-53.96%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,288 A$1,854

-16.33%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,454 A$2,092

-57.68%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$4,622 A$6,651

-37.56%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$3,449 A$4,963

-44.43%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$3,136 A$4,512

-88.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.55

29.73%

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

Last update for Cebu: October 12, 2026

Last update for Ballarat: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Ballarat

$671 35.3% 117% $362

Groceries & Markets

Cebu

$206 22.4%

Ballarat

$350 18.4% 70.2% $145

Monthly Utilities & Internet

Cebu

$162 17.6%

Ballarat

$291 15.3% 79.7% $129

Clothing & Footwear

Cebu

$94 10.2%

Ballarat

$158 8.3% 68.7% $65

Eating Out

Cebu

$88 9.6%

Ballarat

$280 14.7% 217% $191

Sport & Entertainment

Cebu

$44 4.8%

Ballarat

$62 3.3% 42.4% $19

Getting Around

Cebu

$16 1.7%

Ballarat

$90 4.7% 479% $75

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $923 in Ballarat. Housing cost is often the main lever when comparing two cities.

Ballarat pays 806% 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 $70.0 in Ballarat for a mid-range dinner for two. Groceries echo the gap at $206 vs $350 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇦🇺 Ballarat

🕒 Local time

04:11 4:11 AM

07:11 7:11 AM

3 h ahead of Cebu

🌤 Weather

👥 Population

964,169

105,348

💱 Currency

Philippine Peso PHP ₱

Australian Dollar AUD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

Exchange rates and currency converter

AUD, 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).

Australian Dollar exchange rates as of October 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Ballarat 5,710 km ≈ 8 h nonstop flight

From you

Cebu
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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 Ballarat: Cost of Living - Frequently Asked Questions

Cebu wins on cost – living expenses run 107% lower than in Ballarat. Housing and daily spending are where you'll feel the difference most, making Cebu the obvious pick if budget is a priority.

On paper, salaries run 806% lower in Ballarat. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $500 in Cebu versus $923 in Ballarat. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $275 in Cebu versus $2,144 in Ballarat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 70% higher in Ballarat. For households that cook at home regularly, that difference adds up over a month.

At $918 in Cebu versus $1,902 in Ballarat, a $1,500 budget is realistic in Cebu but tight or insufficient in Ballarat. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

Both work as nomad bases, but Cebu delivers better value – similar infrastructure at $918 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Cebu hard to pass up.

Safety-wise, Cebu and Ballarat 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 Cebu gentler on the wallet – expenses run 107% less than in Ballarat. Beyond cost, consider language, visa policies, and how big the international community is in each city.