Last update: Oct 2026

Cost of Living Comparison Between Cebu and Bergamo

For one person, living is cheaper in Cebu: $934 a month against $1,592 in Bergamo, rent and utilities included – about $7,900 less a year. Rent and utilities account for about half of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
78

Cost of Living Index in Bergamo
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Bergamo Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Bergamo

🇮🇹 Italy

$1,592

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Bergamo

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

Monthly costs for one person with rent: $934 in Cebu versus $1,592 in Bergamo.

Cebu $934
Bergamo $1,592

Estimated couple costs with rent: $1,415 in Cebu versus $2,451 in Bergamo.

Cebu $1,415
Bergamo $2,451

Monthly costs for a family of three with rent: $1,896 in Cebu versus $3,311 in Bergamo.

Cebu $1,896
Bergamo $3,311

Living in Cebu costs roughly 41% less than in Bergamo, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 30% below, Bergamo is 19% above.

Meal at Budget Restaurant

$3.03 ₱190

$15.68 €13.99

-80.68%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$82.6 €73.8

-71.59%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$11.08 €9.89

-63.09%

Cappuccino

$2.52 ₱158

$1.87 €1.67

34.76%

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

$1.54 ₱96.9

$3.31 €2.95

-53.47%

Water (0.33 liter bottle)

$0.49 ₱30.98

$1.29 €1.15

-62.02%

Local Beer (0.5 liter draught)

$1.79 ₱112

$5.57 €4.97

-67.86%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$5.57 €4.97

-59.43%

Milk (1 liter)

$1.95 ₱122

$1.42 €1.27

37.32%

White Bread (500g)

$1.43 ₱89.7

$2.02 €1.81

-29.21%

Rice (white) (1kg)

$1.02 ₱63.8

$3.02 €2.70

-66.23%

Eggs

$2.06 ₱129

$3.71 €3.31

-44.47%

Local Cheese (1kg)

$9.81 ₱615

$15.27 €13.63

-35.76%

Chicken Fillets (1kg)

$4.61 ₱289

$11.39 €10.16

-59.53%

Beef Round Steak (1kg)

$7.70 ₱483

$16.13 €14.39

-52.26%

Apples (1kg)

$3.31 ₱207

$2.30 €2.05

43.91%

Banana (1kg)

$1.45 ₱90.9

$1.71 €1.52

-15.20%

Oranges (1kg)

$2.36 ₱148

$2.25 €2.01

4.89%

Tomato (1kg)

$1.54 ₱96.4

$2.66 €2.38

-42.11%

Potato (1kg)

$2.36 ₱148

$1.81 €1.62

30.39%

Onion (1kg)

$1.99 ₱125

$2.19 €1.95

-9.13%

Lettuce (1 head)

$1.15 ₱72.1

$1.86 €1.66

-38.17%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.48 €0.43

39.58%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$7.11 €6.35

-57.81%

Wine (Bottle)

$6.35 ₱398

$4.17 €3.72

52.28%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.25 €1.12

4.80%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$1.77 €1.58

-2.26%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$1.88 €1.67

-86.70%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$45.25 €40.38

-72.04%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$10.21 €9.11

-92.75%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$2.22 €1.98

-90.54%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$38.74 €34.57

-88.82%

Gasoline (1 liter)

$1.33 ₱83.5

$2.09 €1.86

-36.36%

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

$21.8K ₱1.4M

$36.8K €32.8K

-40.83%

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

$19.4K ₱1.2M

$35.0K €31.3K

-44.63%

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

$121 ₱7,563

$195 €174

-38.27%

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

$14.45 ₱907

$8.87 €7.92

62.91%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$27.82 €24.82

1.69%

Gym Membership (Monthly)

$32.68 ₱2,050

$32.67 €29.15

0.03%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$23.37 €20.86

-72.66%

Cinema Ticket

$5.46 ₱342

$11.26 €10.05

-51.51%

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

$273 ₱17.1K

$569 €507

-51.91%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$14.0K €12.5K

-41.71%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$74.1 €66.1

-33.06%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$32.57 €29.06

-23.64%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$88.0 €78.5

-12.93%

Men's Leather Business Shoes

$59.3 ₱3,717

$103 €92.0

-42.49%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$751 €670

-32.68%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$573 €511

-45.99%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$1,370 €1,222

-23.21%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$904 €807

-31.54%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$3,471 €3,097

-16.00%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$2,509 €2,239

-25.59%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$2,426 €2,165

-85.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.05

136.07%

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

Last update for Cebu: October 5, 2026

Last update for Bergamo: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Bergamo

$573 35.7% 85.1% $263

Groceries & Markets

Cebu

$210 22.7%

Bergamo

$298 18.6% 41.5% $87

Monthly Utilities & Internet

Cebu

$163 17.7%

Bergamo

$232 14.5% 42.1% $69

Clothing & Footwear

Cebu

$95 10.2%

Bergamo

$134 8.4% 41.5% $39

Eating Out

Cebu

$88 9.6%

Bergamo

$239 14.9% 170% $150

Sport & Entertainment

Cebu

$44 4.7%

Bergamo

$55 3.4% 26.6% $12

Getting Around

Cebu

$15 1.7%

Bergamo

$74 4.6% 380% $59

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $751 in Bergamo. Housing cost is often the main lever when comparing two cities.

Bergamo pays 611% 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: $23.00 in Cebu vs $83.0 in Bergamo for a mid-range dinner for two. Groceries echo the gap at $210 vs $298 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇹 Bergamo

🕒 Local time

16:21 4:21 PM

10:21 10:21 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

120,569

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD 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 = 70.35 PHP (100 PHP = 1.42 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Bergamo 10,990 km ≈ 14 h nonstop flight

From you

Cebu
Bergamo

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 Bergamo: Cost of Living - Frequently Asked Questions

Cebu and Bergamo differ by about 70% in total monthly costs ($934 vs $1,592 including rent). Cebu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 611% lower in Bergamo. 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: $506 in Cebu versus $751 in Bergamo. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Cebu – a meal for two runs $23.00 versus $83.0 in Bergamo. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $934 per month in Cebu versus $1,592 in Bergamo – a 70% gap that adds up to real savings over time for anyone picking the cheaper option.

At $934 in Cebu versus $1,592 in Bergamo, a $1,500 budget is realistic in Cebu but tight or insufficient in Bergamo. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

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 Bergamo 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 Cebu gentler on the wallet – expenses run 70% less than in Bergamo. Beyond cost, consider language, visa policies, and how big the international community is in each city.