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

Monthly Cost of Living

A single person spends $931 per month in Cebu vs $616 in Cadiz, rent included.

A couple spends around $1,439 per month in Cebu vs $966 in Cadiz, rent included.

A family of three spends $1,947 per month in Cebu vs $1,316 in Cadiz, rent included.

Cebu costs about 51% more than Cadiz, driven mainly by Clothing & Footwear.

Both Cebu and Cadiz are more affordable than the global median – Cebu 32% lower, Cadiz 55% lower.

Meal at Budget Restaurant

$3.05 ₱191

$2.80 ₱176

8.93%

Three-Course Dinner for Two, Mid-Range

$23.09 ₱1,451

$7.99 ₱502

188.99%

Fast Food Meal (McDonalds, etc)

$4.03 ₱253

$3.25 ₱204

24.00%

Cappuccino

$2.58 ₱162

$1.39 ₱87.3

85.61%

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

$1.53 ₱96.1

$0.39 ₱24.36

292.31%

Water (0.33 liter bottle)

$0.53 ₱33.37

$0.34 ₱21.09

55.88%

Local Beer (0.5 liter draught)

$1.71 ₱108

$1.04 ₱65.3

64.42%

Imported Beer (0.33 liter bottle)

$2.27 ₱143

$1.70 ₱107

33.53%

Milk (1 liter)

$1.87 ₱118

$1.61 ₱101

16.15%

White Bread (500g)

$1.34 ₱84.2

$1.20 ₱75.6

11.67%

Rice (white) (1kg)

$1.02 ₱64.3

$0.90 ₱56.4

13.33%

Eggs

$1.96 ₱123

$1.82 ₱115

7.69%

Local Cheese (1kg)

$9.93 ₱624

$5.90 ₱371

68.31%

Chicken Fillets (1kg)

$4.58 ₱288

$4.09 ₱257

11.98%

Beef Round Steak (1kg)

$7.45 ₱468

$6.05 ₱380

23.14%

Apples (1kg)

$3.46 ₱217

$3.36 ₱211

2.98%

Banana (1kg)

$1.45 ₱91.4

$1.03 ₱64.7

40.78%

Oranges (1kg)

$2.39 ₱150

$2.95 ₱186

-18.98%

Tomato (1kg)

$1.55 ₱97.6

$1.44 ₱90.6

7.64%

Potato (1kg)

$2.31 ₱145

$2.32 ₱146

-0.43%

Onion (1kg)

$1.88 ₱118

$2.73 ₱171

-31.14%

Lettuce (1 head)

$1.23 ₱77.2

$0.41 ₱25.95

200.00%

Water (1.5 liter bottle)

$0.62 ₱39.16

$0.82 ₱51.2

-24.39%

Cigarettes 20 Pack (Marlboro, Camel)

$3.01 ₱189

$2.57 ₱162

17.12%

Wine (Bottle)

$6.13 ₱385

$6.44 ₱404

-4.81%

Local Beer (0.5 liter bottle)

$1.29 ₱81.3

$1.12 ₱70.4

15.18%

Imported Beer (0.33 liter bottle)

$1.70 ₱107

$1.29 ₱81.1

31.78%

One-way Ticket (Public Transport)

$0.25 ₱15.74

$0.25 ₱15.62

Public Transport Monthly Pass (Regular Price)

$12.35 ₱776

$10.15 ₱638

21.67%

Taxi Start (Normal Tariff)

$0.79 ₱49.81

$0.75 ₱46.92

5.33%

Taxi (Normal Tariff) (1km)

$0.20 ₱12.54

$0.33 ₱21.02

-39.39%

Taxi 1hour Waiting (Normal Tariff)

$4.40 ₱276

$2.36 ₱149

86.44%

Gasoline (1 liter)

$1.31 ₱82.2

$1.06 ₱66.5

23.58%

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

$21.6K ₱1.4M

$21.0K ₱1.3M

3.04%

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

$19.3K ₱1.2M

$19.6K ₱1.2M

-1.59%

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

$122 ₱7,694

$62.3 ₱3,916

96.44%

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

$15.08 ₱948

$9.61 ₱603

56.92%

Internet (50+ Mbps, Unlimited Data)

$28.10 ₱1,765

$26.77 ₱1,682

4.97%

Gym Membership (Monthly)

$31.67 ₱1,990

$31.56 ₱1,983

0.35%

Tennis Court (1 Hour on Weekend)

$6.65 ₱418

$5.17 ₱325

28.63%

Cinema Ticket

$5.40 ₱339

$4.70 ₱295

14.89%

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

$278 ₱17.5K

$31.24 ₱1,963

791.01%

International Primary School, 1 Child (Yearly)

$7,849 ₱493.1K

$8,128 ₱510.6K

-3.43%

Jeans (Levis 501 Or Similar)

$48.20 ₱3,028

$32.51 ₱2,042

48.26%

Summer Dress (H&M, Zara, etc)

$25.32 ₱1,591

$19.26 ₱1,210

31.46%

Sport Shoes (Adidas, Nike)

$76.3 ₱4,790

$56.1 ₱3,524

35.94%

Men's Leather Business Shoes

$58.1 ₱3,649

$24.15 ₱1,518

140.50%

1-bedroom Apartment, City Center (Monthly)

$489 ₱30.7K

$266 ₱16.7K

84.19%

1-bedroom Apartment, Outside City Center (Monthly)

$307 ₱19.3K

$172 ₱10.8K

79.02%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.5K

$499 ₱31.4K

115.26%

3-bedroom Apartment, Outside City Center (Monthly)

$636 ₱39.9K

$356 ₱22.3K

78.78%

Buy Apartment in City Center (m2)

$2,871 ₱180.4K

$2,334 ₱146.6K

22.99%

Buy Apartment Outside City Center (m2)

$1,912 ₱120.1K

$893 ₱56.1K

114.18%

Average Monthly Net Salary (After Tax)

$335 ₱21.0K

$188 ₱11.8K

77.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.33

-1.77%

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

Last update for Cebu: September 13, 2026

Last update for Cadiz: September 15, 2026

Cost Breakdown

A central one-bedroom costs $489 in Cebu versus $266 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 78% 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 $23.00 in Cebu versus $8.00 in Cadiz. Monthly groceries follow the same trend: $208 vs $182 – 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 51% more than Cadiz, with the gap driven mainly by Clothing & Footwear. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,396 per month in Cebu and $924 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.

Groceries cost about 14% 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 mid-range dinner for two costs $23.00 in Cebu and $8.00 in Cadiz. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$800 covers both cities comfortably – all-in costs are $931 in Cebu and $616 in Cadiz, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Cadiz costs $616 versus $931 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.