Last update: Oct 2026

Cost of Living Comparison Between Cebu and Belgaum

For one person, living is cheaper in Belgaum: $315 a month against $918 in Cebu, rent and utilities included – about $7,200 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
15

Cost of Living Index in Belgaum
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Belgaum Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Belgaum

🇮🇳 India

$315

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Belgaum

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

Monthly costs for one person with rent: $918 in Cebu versus $315 in Belgaum.

Cebu $918
Belgaum $315

Estimated couple costs with rent: $1,409 in Cebu versus $531 in Belgaum.

Cebu $1,409
Belgaum $531

Monthly costs for a family of three with rent: $1,900 in Cebu versus $747 in Belgaum.

Cebu $1,900
Belgaum $747

Living in Cebu is roughly 191% more expensive than in Belgaum, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Belgaum 77% lower.

Meal at Budget Restaurant

$3.09 ₱194

$1.86 ₹177

66.13%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$10.27 ₹976

135.83%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$2.57 ₹244

52.53%

Cappuccino

$2.51 ₱158

$1.60 ₹152

56.87%

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

$1.59 ₱100

$0.37 ₹34.89

329.73%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.11 ₹10.60

381.82%

Local Beer (0.5 liter draught)

$1.78 ₱112

$0.95 ₹90.5

87.37%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.22 ₹211

-2.25%

Milk (1 liter)

$1.92 ₱121

$0.70 ₹66.4

174.29%

White Bread (500g)

$1.36 ₱85.4

$0.49 ₹46.62

177.55%

Rice (white) (1kg)

$1.01 ₱63.5

$0.59 ₹55.7

71.19%

Eggs

$2.03 ₱128

$0.76 ₹72.2

167.11%

Local Cheese (1kg)

$9.86 ₱621

$4.47 ₹424

120.58%

Chicken Fillets (1kg)

$4.39 ₱277

$2.69 ₹255

63.20%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$1.54 ₹146

114.29%

Banana (1kg)

$1.39 ₱87.8

$0.66 ₹63.1

110.61%

Oranges (1kg)

$2.33 ₱147

$1.53 ₹146

52.29%

Tomato (1kg)

$1.50 ₱94.3

$0.31 ₹29.50

383.87%

Potato (1kg)

$2.36 ₱149

$0.35 ₹33.22

574.29%

Onion (1kg)

$1.90 ₱119

$0.37 ₹35.55

413.51%

Lettuce (1 head)

$1.19 ₱74.9

$0.25 ₹23.49

376.00%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.29 ₹27.07

117.24%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.08 ₹388

-26.47%

Wine (Bottle)

$6.03 ₱379

$3.56 ₹338

69.38%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.28 ₹122

-3.91%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.09 ₹199

-16.27%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.41 ₹419

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.20 ₹18.98

25.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$14.37 ₹1,364

-12.04%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.07 ₹102

-28.04%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.51 ₹48.29

-54.90%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$0.85 ₹80.8

424.71%

Gasoline (1 liter)

$1.31 ₱82.8

$1.10 ₹105

19.09%

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

$21.2K ₱1.3M

$11.1K ₹1.0M

92.20%

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

$19.1K ₱1.2M

$18.5K ₹1.8M

3.57%

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

$120 ₱7,569

$29.57 ₹2,808

306.59%

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

$14.00 ₱882

$3.08 ₹292

354.55%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$5.50 ₹522

400.73%

Gym Membership (Monthly)

$32.33 ₱2,035

$4.72 ₹448

584.96%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$5.73 ₹544

16.06%

Cinema Ticket

$5.65 ₱356

$2.11 ₹200

167.77%

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

$275 ₱17.3K

$20.49 ₹1,946

1243.63%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$837 ₹79.5K

845.90%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$13.55 ₹1,287

264.06%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$32.25 ₹3,062

-21.74%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$31.75 ₹3,015

142.39%

Men's Leather Business Shoes

$57.2 ₱3,601

$22.63 ₹2,149

152.76%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$122 ₹11.6K

309.81%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$63.7 ₹6,052

384.58%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$265 ₹25.2K

306.47%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$194 ₹18.5K

216.47%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$589 ₹55.9K

389.88%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$398 ₹37.8K

382.07%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$304 ₹28.8K

13.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

10.75

-33.02%

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

Last update for Cebu: October 12, 2026

Last update for Belgaum: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Belgaum

$64 20.2% 79.4% $245

Groceries & Markets

Cebu

$206 22.4%

Belgaum

$87 27.7% 57.5% $118

Monthly Utilities & Internet

Cebu

$162 17.6%

Belgaum

$38 12.1% 76.4% $124

Clothing & Footwear

Cebu

$94 10.2%

Belgaum

$45 14.3% 52% $49

Eating Out

Cebu

$88 9.6%

Belgaum

$53 16.8% 40% $35

Sport & Entertainment

Cebu

$44 4.8%

Belgaum

$8.9 2.8% 79.5% $35

Getting Around

Cebu

$16 1.7%

Belgaum

$19 6% 20.6% $3.2

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $122 in Belgaum. Housing cost is often the main lever when comparing two cities.

Cebu pays 14% 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 $10.00 in Belgaum for a mid-range dinner for two. Groceries echo the gap at $206 vs $87.0 per month, with Belgaum cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Belgaum

🕒 Local time

01:00 1:00 AM

22:30 10:30 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

600,000

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, 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).

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Belgaum 5,370 km ≈ 7 h nonstop flight

From you

Cebu
Belgaum

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 Belgaum: Cost of Living - Frequently Asked Questions

Cebu and Belgaum differ by about 191% in total monthly costs ($918 vs $315 including rent). Belgaum is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 14% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $500 in Cebu versus $122 in Belgaum. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Belgaum – a meal for two runs $10.00 versus $24.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $918 per month in Cebu versus $315 in Belgaum – a 191% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Belgaum gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Cebu and Belgaum 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 Belgaum gentler on the wallet – expenses run 191% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.