Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ballina

For one person, living is cheaper in Cebu: $918 a month against $2,462 in Ballina, rent and utilities included – about $18,500 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
121

Cost of Living Index in Ballina
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Ballina Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Ballina

🇦🇺 Australia

$2,462

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ballina

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

A single person spends $918 per month in Cebu vs $2,462 in Ballina, rent included.

Cebu $918
Ballina $2,462

A couple spends around $1,409 per month in Cebu vs $3,724 in Ballina, rent included.

Cebu $1,409
Ballina $3,724

A family of three spends $1,900 per month in Cebu vs $4,986 in Ballina, rent included.

Cebu $1,900
Ballina $4,986

Cebu is about 63% cheaper than Ballina, and outside of rent the biggest gap is in eating out.

Cebu sits 32% below the global median, while Ballina is 82% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.09 ₱194

$17.33 A$24.93

-82.17%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$82.9 A$119

-70.77%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.17 A$13.19

-57.25%

Cappuccino

$2.51 ₱158

$3.90 A$5.61

-35.64%

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

$1.59 ₱100

$2.84 A$4.08

-44.01%

Water (0.33 liter bottle)

$0.53 ₱33.43

$2.27 A$3.27

-76.65%

Local Beer (0.5 liter draught)

$1.78 ₱112

$7.59 A$10.93

-76.55%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$7.44 A$10.71

-70.83%

Milk (1 liter)

$1.92 ₱121

$2.66 A$3.82

-27.82%

White Bread (500g)

$1.36 ₱85.4

$3.25 A$4.67

-58.15%

Rice (white) (1kg)

$1.01 ₱63.5

$2.18 A$3.14

-53.67%

Eggs

$2.03 ₱128

$5.69 A$8.18

-64.32%

Local Cheese (1kg)

$9.86 ₱621

$6.36 A$9.15

55.03%

Chicken Fillets (1kg)

$4.39 ₱277

$9.17 A$13.20

-52.13%

Beef Round Steak (1kg)

$7.60 ₱479

$15.05 A$21.66

-49.50%

Apples (1kg)

$3.30 ₱208

$3.52 A$5.07

-6.25%

Banana (1kg)

$1.39 ₱87.8

$3.11 A$4.47

-55.31%

Oranges (1kg)

$2.33 ₱147

$3.19 A$4.59

-26.96%

Tomato (1kg)

$1.50 ₱94.3

$3.49 A$5.02

-57.02%

Potato (1kg)

$2.36 ₱149

$2.69 A$3.87

-12.27%

Onion (1kg)

$1.90 ₱119

$2.33 A$3.35

-18.45%

Lettuce (1 head)

$1.19 ₱74.9

$3.54 A$5.10

-66.38%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.53 A$2.20

-58.82%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$42.38 A$61.0

-92.92%

Wine (Bottle)

$6.03 ₱379

$13.97 A$20.10

-56.84%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$4.81 A$6.93

-74.43%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$5.15 A$7.41

-66.02%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$3.30 A$4.75

-92.42%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$92.7 A$133

-86.36%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$3.54 A$5.09

-78.25%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.70 A$2.44

-86.47%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$39.11 A$56.3

-88.60%

Gasoline (1 liter)

$1.31 ₱82.8

$1.25 A$1.80

4.80%

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

$21.2K ₱1.3M

$26.8K A$38.6K

-20.76%

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

$19.1K ₱1.2M

$33.0K A$47.4K

-41.90%

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

$120 ₱7,569

$216 A$311

-44.31%

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

$14.00 ₱882

$31.56 A$45.42

-55.64%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$49.28 A$70.9

-44.12%

Gym Membership (Monthly)

$32.33 ₱2,035

$61.1 A$88.0

-47.10%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$17.31 A$24.91

-61.58%

Cinema Ticket

$5.65 ₱356

$15.89 A$22.86

-64.44%

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

$275 ₱17.3K

$1,912 A$2,752

-85.60%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$22.5K A$32.4K

-64.79%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$80.3 A$116

-38.60%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$55.6 A$79.9

-54.56%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$102 A$147

-24.73%

Men's Leather Business Shoes

$57.2 ₱3,601

$136 A$195

-57.79%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$1,541 A$2,218

-67.59%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$1,126 A$1,620

-72.56%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$2,038 A$2,933

-47.12%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$2,001 A$2,880

-69.26%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$6,245 A$8,987

-53.79%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$4,569 A$6,575

-58.05%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.84

23.29%

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

Last update for Cebu: October 12, 2026

Last update for Ballina: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Ballina

$1.1K 45.7% 264% $817

Groceries & Markets

Cebu

$206 22.4%

Ballina

$375 15.2% 82% $169

Monthly Utilities & Internet

Cebu

$162 17.6%

Ballina

$297 12.1% 83.4% $135

Clothing & Footwear

Cebu

$94 10.2%

Ballina

$168 6.8% 79% $74

Eating Out

Cebu

$88 9.6%

Ballina

$286 11.6% 224% $198

Sport & Entertainment

Cebu

$44 4.8%

Ballina

$93 3.8% 113% $49

Getting Around

Cebu

$16 1.7%

Ballina

$118 4.8% 657% $102

Cost Breakdown

A central one-bedroom costs $500 in Cebu versus $1,541 in Ballina. 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 $83.0 in Ballina. Monthly groceries follow the same trend: $206 vs $375 – making Cebu the more affordable choice for daily food spending.

Good to know

🇵🇭 Cebu

🇦🇺 Ballina

🕒 Local time

04:23 4:23 AM

07:23 7:23 AM

3 h ahead of Cebu

🌤 Weather

👥 Population

964,169

8,911

💱 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 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Australian Dollar exchange rates as of October 18, 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 Ballina 5,390 km ≈ 7 h nonstop flight

From you

Cebu
Ballina

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 Ballina: Cost of Living - Frequently Asked Questions

Yes – Ballina is pricier by about 168%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,377 per month in Cebu and $3,693 in Ballina. 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.

Kindergarten costs $275 per month in Cebu and $1,912 in Ballina. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 82% more in Ballina, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $918, than in Ballina at $2,462. In Cebu it covers expenses comfortably, while in Ballina 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, Ballina makes more sense. Both are solid long-term options with distinct trade-offs.