Last update: Oct 2026

Cost of Living Comparison Between Cebu and Bendigo

For one person, living is cheaper in Cebu: $918 a month against $2,012 in Bendigo, rent and utilities included – about $13,100 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
97

Cost of Living Index in Bendigo
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Bendigo Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Bendigo

🇦🇺 Australia

$2,012

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Bendigo

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

A single person spends $918 per month in Cebu vs $2,012 in Bendigo, rent included.

Cebu $918
Bendigo $2,012

A couple spends around $1,409 per month in Cebu vs $2,956 in Bendigo, rent included.

Cebu $1,409
Bendigo $2,956

A family of three spends $1,900 per month in Cebu vs $3,900 in Bendigo, rent included.

Cebu $1,900
Bendigo $3,900

Cebu is about 54% cheaper than Bendigo, and outside of rent the biggest gap is in eating out.

Cebu sits 32% below the global median, while Bendigo is 49% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.09 ₱195

$17.10 A$24.60

-81.93%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$75.8 A$109

-68.04%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$12.47 A$17.94

-68.56%

Cappuccino

$2.51 ₱158

$3.95 A$5.68

-36.46%

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

$1.59 ₱100

$3.12 A$4.50

-49.04%

Water (0.33 liter bottle)

$0.53 ₱33.45

$2.47 A$3.56

-78.54%

Local Beer (0.5 liter draught)

$1.78 ₱112

$9.83 A$14.15

-81.89%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$8.47 A$12.19

-74.38%

Milk (1 liter)

$1.92 ₱121

$1.29 A$1.86

48.84%

White Bread (500g)

$1.36 ₱85.5

$2.96 A$4.26

-54.05%

Rice (white) (1kg)

$1.01 ₱63.6

$2.53 A$3.64

-60.08%

Eggs

$2.03 ₱128

$4.71 A$6.77

-56.90%

Local Cheese (1kg)

$9.86 ₱621

$10.27 A$14.78

-3.99%

Chicken Fillets (1kg)

$4.39 ₱277

$9.70 A$13.96

-54.74%

Beef Round Steak (1kg)

$7.60 ₱479

$10.28 A$14.79

-26.07%

Apples (1kg)

$3.30 ₱208

$3.45 A$4.97

-4.35%

Banana (1kg)

$1.39 ₱87.8

$3.07 A$4.42

-54.72%

Oranges (1kg)

$2.33 ₱147

$3.11 A$4.48

-25.08%

Tomato (1kg)

$1.50 ₱94.3

$4.85 A$6.98

-69.07%

Potato (1kg)

$2.36 ₱149

$2.74 A$3.94

-13.87%

Onion (1kg)

$1.90 ₱119

$2.58 A$3.72

-26.36%

Lettuce (1 head)

$1.19 ₱74.9

$2.37 A$3.41

-49.79%

Water (1.5 liter bottle)

$0.63 ₱39.73

$1.59 A$2.29

-60.38%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$43.74 A$62.9

-93.14%

Wine (Bottle)

$6.03 ₱380

$10.25 A$14.75

-41.17%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$5.25 A$7.56

-76.57%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$5.33 A$7.67

-67.17%

One-way Ticket (Public Transport)

$0.25 ₱15.87

$3.43 A$4.93

-92.71%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$58.4 A$84.0

-78.34%

Taxi Start (Normal Tariff)

$0.77 ₱48.64

$4.14 A$5.96

-81.40%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

$1.37 A$1.97

-83.21%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$14.20 A$20.43

-68.59%

Gasoline (1 liter)

$1.31 ₱82.8

$1.22 A$1.76

7.38%

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

$21.2K ₱1.3M

$27.3K A$39.3K

-22.29%

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

$19.1K ₱1.2M

$19.1K A$27.5K

0.17%

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

$120 ₱7,573

$140 A$201

-13.96%

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

$14.00 ₱882

$28.06 A$40.37

-50.11%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,735

$57.2 A$82.3

-51.84%

Gym Membership (Monthly)

$32.33 ₱2,036

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$19.55 A$28.14

-65.98%

Cinema Ticket

$5.65 ₱356

$12.47 A$17.94

-54.69%

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

$275 ₱17.3K

$2,108 A$3,033

-86.94%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

$29.7K A$42.7K

-73.33%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

$78.6 A$113

-37.26%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

$48.88 A$70.3

-48.36%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

$121 A$173

-36.15%

Men's Leather Business Shoes

$57.2 ₱3,603

$133 A$191

-56.85%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$1,127 A$1,621

-55.66%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$845 A$1,215

-63.43%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,353 A$1,946

-20.31%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

$1,236 A$1,778

-50.22%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

$4,398 A$6,328

-34.37%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$3,852 A$5,543

-50.24%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$3,038 A$4,371

-88.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.9

22.03%

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

Last update for Cebu: October 12, 2026

Last update for Bendigo: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Bendigo

$845 42% 174% $536

Groceries & Markets

Cebu

$206 22.4%

Bendigo

$353 17.6% 71.6% $147

Monthly Utilities & Internet

Cebu

$162 17.6%

Bendigo

$225 11.2% 39.1% $63

Clothing & Footwear

Cebu

$94 10.2%

Bendigo

$171 8.5% 82.3% $77

Eating Out

Cebu

$88 9.6%

Bendigo

$310 15.4% 251% $222

Sport & Entertainment

Cebu

$44 4.8%

Bendigo

$25 * 1.2% 42.8% $19

Getting Around

Cebu

$16 1.7%

Bendigo

$83 4.1% 433% $67

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

Cost Breakdown

A central one-bedroom costs $500 in Cebu versus $1,127 in Bendigo. 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 778% higher in Bendigo, 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 $24.00 in Cebu versus $76.0 in Bendigo. Monthly groceries follow the same trend: $206 vs $353 – making Cebu the more affordable choice for daily food spending.

Good to know

🇵🇭 Cebu

🇦🇺 Bendigo

🕒 Local time

02:51 2:51 AM

05:51 5:51 AM

3 h ahead of Cebu

🌤 Weather

👥 Population

964,169

100,649

💱 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 = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 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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Highest

Between locations

Cebu Bendigo 5,650 km ≈ 8 h nonstop flight

From you

Cebu
Bendigo

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 Bendigo: Cost of Living - Frequently Asked Questions

Yes – Bendigo is pricier by about 119%, 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 $3,018 in Bendigo. 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.

A mid-range dinner for two costs $24.00 in Cebu and $76.0 in Bendigo. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $918 in Cebu and $2,012 in Bendigo. That's a gap of about 119%.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $918, than in Bendigo at $2,012. In Cebu it covers expenses comfortably, while in Bendigo 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, Bendigo makes more sense. Both are solid long-term options with distinct trade-offs.