Last update: Oct 2026

Cost of Living Comparison Between Cebu and Bellary

For one person, living is cheaper in Bellary: $357 a month against $918 in Cebu, rent and utilities included – about $6,700 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
17

Cost of Living Index in Bellary
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Bellary Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Bellary

🇮🇳 India

$357

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Bellary

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

Monthly costs for one person with rent: $918 in Cebu versus $357 in Bellary.

Cebu $918
Bellary $357

Estimated couple costs with rent: $1,409 in Cebu versus $585 in Bellary.

Cebu $1,409
Bellary $585

Monthly costs for a family of three with rent: $1,900 in Cebu versus $814 in Bellary.

Cebu $1,900
Bellary $814

Living in Cebu is roughly 157% more expensive than in Bellary, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Bellary 74% lower.

Meal at Budget Restaurant

$3.09 ₱194

$0.60 ₹57.5

415.00%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$17.46 ₹1,658

38.72%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$1.59 ₹151

146.54%

Cappuccino

$2.51 ₱158

$2.33 ₹221

7.73%

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

$1.59 ₱100

$0.22 ₹20.90

622.73%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.11 ₹10.03

381.82%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.76 ₹167

1.14%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.09 ₹198

3.83%

Milk (1 liter)

$1.92 ₱121

$0.56 ₹53.4

242.86%

White Bread (500g)

$1.36 ₱85.4

$0.48 ₹46.05

183.33%

Rice (white) (1kg)

$1.01 ₱63.5

$0.59 ₹56.0

71.19%

Eggs

$2.03 ₱128

$0.82 ₹78.3

147.56%

Local Cheese (1kg)

$9.86 ₱621

$6.00 ₹570

64.33%

Chicken Fillets (1kg)

$4.39 ₱277

$3.82 ₹363

14.92%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$2.06 ₹196

60.19%

Banana (1kg)

$1.39 ₱87.8

$0.54 ₹51.4

157.41%

Oranges (1kg)

$2.33 ₱147

$1.18 ₹112

97.46%

Tomato (1kg)

$1.50 ₱94.3

$0.41 ₹39.31

265.85%

Potato (1kg)

$2.36 ₱149

$0.35 ₹32.97

574.29%

Onion (1kg)

$1.90 ₱119

$0.38 ₹36.20

400.00%

Lettuce (1 head)

$1.19 ₱74.9

$0.40 ₹37.71

197.50%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.30 ₹28.03

110.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.08 ₹293

-2.60%

Wine (Bottle)

$6.03 ₱379

$9.22 ₹876

-34.60%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.23 ₹117

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.85 ₹270

-38.60%

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

$6.33 ₹601

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.29 ₹27.55

-13.79%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$7.77 ₹738

62.68%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.08 ₹102

-28.70%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.18 ₹16.91

27.78%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.14 ₹203

108.41%

Gasoline (1 liter)

$1.31 ₱82.8

$1.06 ₹101

23.58%

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

$21.2K ₱1.3M

$12.5K ₹1.2M

69.63%

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

$19.1K ₱1.2M

$18.9K ₹1.8M

1.27%

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

$120 ₱7,569

$30.27 ₹2,874

297.19%

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

$14.00 ₱882

$3.06 ₹291

357.52%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$9.59 ₹910

187.17%

Gym Membership (Monthly)

$32.33 ₱2,035

$13.79 ₹1,309

134.45%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$6.53 ₹620

1.84%

Cinema Ticket

$5.65 ₱356

$2.64 ₹251

114.02%

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

$275 ₱17.3K

$104 ₹9,847

165.49%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,432 ₹136.0K

453.00%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$7.51 ₹713

556.86%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$29.99 ₹2,847

-15.84%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$26.44 ₹2,511

191.07%

Men's Leather Business Shoes

$57.2 ₱3,601

$40.46 ₹3,842

41.37%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$122 ₹11.6K

310.28%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$74.4 ₹7,067

314.97%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$265 ₹25.2K

306.52%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$170 ₹16.2K

261.11%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$981 ₹93.2K

194.08%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$507 ₹48.2K

277.87%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$470 ₹44.6K

-26.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.5

-15.29%

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

Last update for Cebu: October 12, 2026

Last update for Bellary: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Bellary

$74 20.9% 75.9% $234

Groceries & Markets

Cebu

$206 22.4%

Bellary

$111 31.1% 46.2% $95

Monthly Utilities & Internet

Cebu

$162 17.6%

Bellary

$43 12% 73.5% $119

Clothing & Footwear

Cebu

$94 10.2%

Bellary

$47 13.2% 50% $47

Eating Out

Cebu

$88 9.6%

Bellary

$52 14.5% 41.3% $36

Sport & Entertainment

Cebu

$44 4.8%

Bellary

$19 5.3% 56.3% $25

Getting Around

Cebu

$16 1.7%

Bellary

$11 3.1% 30.1% $4.7

Cost Breakdown

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

Bellary pays 36% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $24.00 in Cebu vs $17.00 in Bellary for a mid-range dinner for two. Groceries echo the gap at $206 vs $111 per month, with Bellary cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Bellary

🕒 Local time

15:46 3:46 PM

13:16 1:16 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

475,000

💱 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 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 19, 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 Bellary 5,120 km ≈ 7 h nonstop flight

From you

Cebu
Bellary

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 Bellary: Cost of Living - Frequently Asked Questions

Bellary wins on cost – living expenses run 157% lower than in Cebu. Housing and daily spending are where you'll feel the difference most, making Bellary the obvious pick if budget is a priority.

On paper, salaries run 36% lower in Bellary. 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 $122 in Bellary. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $275 in Cebu versus $104 in Bellary. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 86% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

Either city works on $800 a month, though Bellary 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 Bellary delivers better value – similar infrastructure at $357 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Bellary hard to pass up.

Safety-wise, Cebu and Bellary 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 Bellary gentler on the wallet – expenses run 157% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.