Cost of Living Comparison Between Cebu and Cadiz Cost of Living Comparison Between Cebu and Cadiz

Monthly Cost of Living

A single person spends $879 per month in Cebu vs $654 in Cadiz, rent included.

A couple spends around $1,347 per month in Cebu vs $1,022 in Cadiz, rent included.

A family of three spends $1,815 per month in Cebu vs $1,391 in Cadiz, rent included.

Cebu costs about 34% more than Cadiz, driven mainly by Groceries & Markets.

Both Cebu and Cadiz are more affordable than the global median – Cebu 34% lower, Cadiz 51% lower.

Meal at Budget Restaurant

$4.34 ₱266

$2.69 ₱165

61.34%

Three-Course Dinner for Two, Mid-Range

$23.95 ₱1,466

$8.67 ₱531

176.24%

Fast Food Meal (McDonalds, etc)

$4.48 ₱274

$3.47 ₱212

29.11%

Cappuccino

$2.58 ₱158

$1.49 ₱91.1

73.15%

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

$0.78 ₱47.91

$0.45 ₱27.79

73.33%

Water (0.33 liter bottle)

$0.45 ₱27.71

$0.32 ₱19.82

40.63%

Local Beer (0.5 liter draught)

$1.52 ₱93.0

$0.99 ₱60.4

53.54%

Imported Beer (0.33 liter bottle)

$2.15 ₱131

$1.73 ₱106

24.28%

Milk (1 liter)

$2.31 ₱142

$1.84 ₱113

25.54%

White Bread (500g)

$1.53 ₱93.4

$1.22 ₱75.0

25.41%

Rice (white) (1kg)

$1.17 ₱71.9

$0.88 ₱53.8

32.95%

Eggs

$2.35 ₱144

$2.04 ₱125

15.20%

Local Cheese (1kg)

$12.68 ₱776

$5.77 ₱353

119.76%

Chicken Fillets (1kg)

$5.26 ₱322

$4.21 ₱258

24.94%

Beef Round Steak (1kg)

$7.88 ₱482

$7.06 ₱432

11.61%

Apples (1kg)

$3.48 ₱213

$3.58 ₱219

-2.79%

Banana (1kg)

$1.46 ₱89.5

$1.18 ₱72.3

23.73%

Oranges (1kg)

$3.32 ₱203

$3.42 ₱209

-2.92%

Tomato (1kg)

$2.27 ₱139

$1.55 ₱95.2

46.45%

Potato (1kg)

$2.66 ₱163

Onion (1kg)

$2.45 ₱150

$3.05 ₱187

-19.67%

Lettuce (1 head)

$0.93 ₱56.8

$0.42 ₱25.68

121.43%

Water (1.5 liter bottle)

$0.79 ₱48.49

$0.93 ₱56.8

-15.05%

Cigarettes 20 Pack (Marlboro, Camel)

$3.12 ₱191

$2.91 ₱178

7.22%

Wine (Bottle)

$6.37 ₱390

$8.87 ₱543

-28.18%

Local Beer (0.5 liter bottle)

$1.19 ₱73.0

$1.35 ₱82.4

-11.85%

Imported Beer (0.33 liter bottle)

$2.25 ₱138

$1.44 ₱88.3

56.25%

One-way Ticket (Public Transport)

$0.26 ₱15.91

$0.26 ₱15.75

Public Transport Monthly Pass (Regular Price)

$14.85 ₱909

Taxi Start (Normal Tariff)

$0.87 ₱53.1

$0.70 ₱42.68

24.29%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.04

$0.24 ₱14.74

-4.17%

Taxi 1hour Waiting (Normal Tariff)

$2.70 ₱165

$2.73 ₱167

-1.10%

Gasoline (1 liter)

$1.11 ₱67.8

$1.15 ₱70.3

-3.48%

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

$30.0K ₱1.8M

$23.6K ₱1.4M

27.31%

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

$26.8K ₱1.6M

$19.5K ₱1.2M

37.15%

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

$96.9 ₱5,928

$67.3 ₱4,120

43.91%

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

$34.35 ₱2,103

$12.53 ₱767

174.14%

Internet (50+ Mbps, Unlimited Data)

$29.65 ₱1,815

$29.72 ₱1,819

-0.24%

Gym Membership (Monthly)

$33.03 ₱2,022

$33.64 ₱2,059

-1.81%

Tennis Court (1 Hour on Weekend)

$8.50 ₱520

$4.35 ₱266

95.40%

Cinema Ticket

$5.82 ₱356

$5.35 ₱327

8.79%

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

$227 ₱13.9K

$35.32 ₱2,162

542.72%

International Primary School, 1 Child (Yearly)

$3,968 ₱242.9K

$4,261 ₱260.8K

-6.86%

Jeans (Levis 501 Or Similar)

$53.3 ₱3,263

$45.60 ₱2,792

16.89%

Summer Dress (H&M, Zara, etc)

$23.14 ₱1,417

$23.41 ₱1,433

-1.15%

Sport Shoes (Adidas, Nike)

$74.7 ₱4,570

$62.3 ₱3,814

19.84%

Men's Leather Business Shoes

$54.5 ₱3,336

$26.79 ₱1,640

103.43%

1-bedroom Apartment, City Center (Monthly)

$515 ₱31.5K

$264 ₱16.2K

94.90%

1-bedroom Apartment, Outside City Center (Monthly)

$217 ₱13.3K

$178 ₱10.9K

21.53%

3-bedroom Apartment, City Center (Monthly)

$785 ₱48.1K

$597 ₱36.6K

31.45%

3-bedroom Apartment, Outside City Center (Monthly)

$388 ₱23.8K

$390 ₱23.8K

-0.28%

Buy Apartment in City Center (m2)

$2,908 ₱178.0K

$2,269 ₱138.9K

28.16%

Buy Apartment Outside City Center (m2)

$1,911 ₱117.0K

$897 ₱54.9K

113.13%

Average Monthly Net Salary (After Tax)

$346 ₱21.2K

$198 ₱12.1K

74.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

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

Last update for Cebu: July 27, 2026

Last update for Cadiz: July 27, 2026

Cost Breakdown

A central one-bedroom costs $515 in Cebu versus $264 in Cadiz. 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 75% 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 $24.00 in Cebu versus $9.00 in Cadiz. Monthly groceries follow the same trend: $241 vs $203 – making Cadiz the more affordable choice for daily food spending.

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 Cadiz: Cost of Living - Frequently Asked Questions

Cebu costs about 34% more than Cadiz, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,318 per month in Cebu and $980 in Cadiz. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cadiz, 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 $9.00 in Cadiz. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 19% more in Cebu, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Cadiz, where all-in costs run around $654, than in Cebu at $879. In Cadiz it covers expenses comfortably, while in Cebu it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Cadiz costs $654 versus $879 in Cebu. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Cadiz. 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.