Last update: Oct 2026

Cost of Living Comparison Between Cebu and Banjul

For one person, living is cheaper in Banjul: $674 a month against $934 in Cebu, rent and utilities included – about $3,100 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

44

Cost of Living Index in Cebu
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Cebu Living Index
33

Cost of Living Index in Banjul
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Banjul Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Banjul

🇬🇲 Gambia

$674

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Banjul

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

A single person spends $934 per month in Cebu vs $674 in Banjul, rent included.

Cebu $934
Banjul $674

A couple spends around $1,415 per month in Cebu vs $1,184 in Banjul, rent included.

Cebu $1,415
Banjul $1,184

A family of three spends $1,896 per month in Cebu vs $1,695 in Banjul, rent included.

Cebu $1,896
Banjul $1,695

Cebu costs about 39% more than Banjul, and outside of rent the biggest gap is in eating out.

Both Cebu and Banjul are more affordable than the global median – Cebu 30% lower, Banjul 50% lower.

Meal at Budget Restaurant

$3.03 ₱190

$7.29 GMD 525

-58.44%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$73.0 GMD 5,255

-67.83%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$7.91 GMD 570

-48.29%

Cappuccino

$2.52 ₱158

$3.76 GMD 271

-32.98%

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

$1.54 ₱96.9

$2.66 GMD 192

-42.11%

Water (0.33 liter bottle)

$0.49 ₱30.98

$1.54 GMD 111

-68.18%

Local Beer (0.5 liter draught)

$1.79 ₱112

$5.45 GMD 392

-67.16%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$4.44 GMD 320

-49.10%

Milk (1 liter)

$1.95 ₱122

$1.38 GMD 99.4

41.30%

White Bread (500g)

$1.43 ₱89.7

$0.64 GMD 46.22

123.44%

Rice (white) (1kg)

$1.02 ₱63.8

$1.29 GMD 93.2

-20.93%

Eggs

$2.06 ₱129

$1.97 GMD 142

4.57%

Local Cheese (1kg)

$9.81 ₱615

$6.16 GMD 444

59.25%

Chicken Fillets (1kg)

$4.61 ₱289

$2.63 GMD 189

75.29%

Beef Round Steak (1kg)

$7.70 ₱483

$5.45 GMD 392

41.28%

Apples (1kg)

$3.31 ₱207

$2.06 GMD 148

60.68%

Banana (1kg)

$1.45 ₱90.9

$1.22 GMD 87.5

18.85%

Oranges (1kg)

$2.36 ₱148

$1.76 GMD 126

34.09%

Tomato (1kg)

$1.54 ₱96.4

$1.32 GMD 95.4

16.67%

Potato (1kg)

$2.36 ₱148

$0.88 GMD 63.5

168.18%

Onion (1kg)

$1.99 ₱125

$1.00 GMD 72.0

99.00%

Lettuce (1 head)

$1.15 ₱72.1

$0.25 GMD 18.05

360.00%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.61 GMD 43.98

9.84%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$1.66 GMD 120

80.72%

Wine (Bottle)

$6.35 ₱398

$6.29 GMD 453

0.95%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.53 GMD 110

-14.38%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$1.69 GMD 121

2.37%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.19 GMD 13.40

31.58%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$6.40 GMD 461

97.66%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$0.71 GMD 51.0

-70.42%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$4.12 GMD 297

5.10%

Gasoline (1 liter)

$1.33 ₱83.5

$1.08 GMD 78.0

23.15%

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

$21.8K ₱1.4M

$2,616 GMD 188.4K

731.97%

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

$19.4K ₱1.2M

$3,205 GMD 230.7K

505.29%

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

$121 ₱7,563

$30.89 GMD 2,224

290.35%

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

$14.45 ₱907

$14.21 GMD 1,023

1.69%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$45.37 GMD 3,267

-37.65%

Gym Membership (Monthly)

$32.68 ₱2,050

$23.56 GMD 1,696

38.71%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$13.61 GMD 980

-53.05%

Cinema Ticket

$5.46 ₱342

$3.37 GMD 242

62.02%

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

$273 ₱17.1K

$6.59 GMD 474

4048.86%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$136 GMD 9,785

5901.42%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$55.2 GMD 3,974

-10.20%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$43.48 GMD 3,131

-42.80%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$99.0 GMD 7,129

-22.64%

Men's Leather Business Shoes

$59.3 ₱3,717

$85.6 GMD 6,166

-30.80%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$101 GMD 7,247

402.44%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$81.2 GMD 5,843

281.28%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$213 GMD 15.4K

392.75%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$138 GMD 9,916

349.46%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$1,438 GMD 103.5K

102.81%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$1,160 GMD 83.5K

60.98%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$60.6 GMD 4,366

462.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-52.00%

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

Last update for Cebu: October 5, 2026

Last update for Banjul: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Banjul

$81 12.1% 73.8% $228

Groceries & Markets

Cebu

$210 22.7%

Banjul

$149 22.3% 29.2% $61

Monthly Utilities & Internet

Cebu

$163 17.7%

Banjul

$90 13.5% 44.6% $73

Clothing & Footwear

Cebu

$95 10.2%

Banjul

$127 19.1% 34.7% $33

Eating Out

Cebu

$88 9.6%

Banjul

$180 26.9% 104% $92

Sport & Entertainment

Cebu

$44 4.7%

Banjul

$30 4.5% 30.5% $13

Getting Around

Cebu

$15 1.7%

Banjul

$11 * 1.6% 30.8% $4.8

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

Cost Breakdown

A central one-bedroom costs $506 in Cebu versus $101 in Banjul. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 462% higher in Cebu, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $23.00 in Cebu versus $73.0 in Banjul. Groceries tell a different story – $210 in Cebu vs $149 in Banjul – so Banjul wins on supermarket bills even if dining out costs more.

Good to know

🇵🇭 Cebu

🇬🇲 Banjul

🕒 Local time

19:14 7:14 PM

11:14 11:14 AM

8 h behind Cebu

🌤 Weather

👥 Population

964,169

31,356 Capital

💱 Currency

Philippine Peso PHP ₱

Gambian Dalasi GMD D

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 GMD = 1.39 USD

100 GMD = 1.24 EUR

Exchange rates and currency converter

GMD, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

Gambian Dalasi exchange rates as of October 10, 2026: 1 USD = 72 GMD (100 GMD = 1.39 USD). 1 EUR = 80.68 GMD (100 GMD = 1.24 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Banjul 14,920 km ≈ 19 h nonstop flight

From you

Cebu
Banjul

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 Banjul: Cost of Living - Frequently Asked Questions

Yes – Cebu is pricier by about 39%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,401 per month in Cebu and $1,010 in Banjul. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Banjul, 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 $934 in Cebu and $674 in Banjul. That's a gap of about 39%.

Public transport costs about 98% less in Banjul. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 covers both cities comfortably – all-in costs are $934 in Cebu and $674 in Banjul, leaving budget for savings and extras in both cases.

Families tend to lean toward Banjul – 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 Banjul. 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.