Last update: Oct 2026

Cost of Living Comparison Between Cebu and Caernarfon

For one person, living is cheaper in Cebu: $918 a month against $1,196 in Caernarfon, rent and utilities included – about $3,300 less a year. The total is higher in Caernarfon despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
59

Cost of Living Index in Caernarfon
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Caernarfon Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Caernarfon

🇬🇧 United Kingdom

$1,196

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Caernarfon

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

Monthly costs for one person with rent: $918 in Cebu versus $1,196 in Caernarfon.

Cebu $918
Caernarfon $1,196

Estimated couple costs with rent: $1,409 in Cebu versus $2,704 in Caernarfon.

Cebu $1,409
Caernarfon $2,704

Monthly costs for a family of three with rent: $1,900 in Cebu versus $4,212 in Caernarfon.

Cebu $1,900
Caernarfon $4,212

Living in Cebu costs roughly 23% less than in Caernarfon, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Caernarfon 11% lower.

Meal at Budget Restaurant

$3.09 ₱194

$13.08 £9.82

-76.38%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$90.8 £68.1

-73.33%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.19 £6.90

-57.34%

Cappuccino

$2.51 ₱158

$3.85 £2.89

-34.81%

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

$1.59 ₱100

$2.59 £1.95

-38.61%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.96 £1.47

-72.96%

Local Beer (0.5 liter draught)

$1.78 ₱112

$4.72 £3.54

-62.29%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.92 £2.94

-44.64%

Milk (1 liter)

$1.92 ₱121

$1.84 £1.38

4.35%

White Bread (500g)

$1.36 ₱85.4

$1.68 £1.26

-19.05%

Rice (white) (1kg)

$1.01 ₱63.5

$2.20 £1.65

-54.09%

Eggs

$2.03 ₱128

$2.32 £1.74

-12.50%

Local Cheese (1kg)

$9.86 ₱621

$9.01 £6.76

9.43%

Chicken Fillets (1kg)

$4.39 ₱277

$7.38 £5.53

-40.51%

Beef Round Steak (1kg)

$7.60 ₱479

$15.08 £11.31

-49.60%

Apples (1kg)

$3.30 ₱208

$2.58 £1.93

27.91%

Banana (1kg)

$1.39 ₱87.8

$1.28 £0.96

8.59%

Oranges (1kg)

$2.33 ₱147

$1.29 £0.97

80.62%

Tomato (1kg)

$1.50 ₱94.3

$1.36 £1.02

10.29%

Potato (1kg)

$2.36 ₱149

$1.64 £1.23

43.90%

Onion (1kg)

$1.90 ₱119

$1.74 £1.31

9.20%

Lettuce (1 head)

$1.19 ₱74.9

$1.36 £1.02

-12.50%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.56 £1.17

-59.62%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$22.03 £16.53

-86.38%

Wine (Bottle)

$6.03 ₱379

$9.08 £6.81

-33.59%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$3.58 £2.68

-65.64%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.35 £2.52

-47.76%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$5.60 £4.20

-95.54%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$67.7 £50.8

-81.32%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$5.11 £3.83

-84.93%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$2.31 £1.73

-90.04%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$24.10 £18.08

-81.49%

Gasoline (1 liter)

$1.31 ₱82.8

$1.97 £1.48

-33.50%

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

$21.2K ₱1.3M

$38.1K £28.6K

-44.22%

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

$19.1K ₱1.2M

$40.3K £30.3K

-52.55%

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

$120 ₱7,569

$314 £236

-61.75%

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

$14.00 ₱882

$20.96 £15.72

-33.21%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$39.31 £29.49

-29.94%

Gym Membership (Monthly)

$32.33 ₱2,035

$29.97 £22.48

7.87%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$15.92 £11.94

-64.51%

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

$275 ₱17.3K

$1,570 £1,178

-82.46%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$23.6K £17.7K

-66.44%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$107 £80.4

-53.98%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$49.70 £37.29

-49.22%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$107 £80.4

-28.17%

Men's Leather Business Shoes

$57.2 ₱3,601

$79.8 £59.9

-28.29%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$662 £497

-24.58%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,604 £1,204

-61.65%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$3,516 £2,638

-90.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.09

41.45%

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

Last update for Cebu: October 12, 2026

Last update for Caernarfon: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Caernarfon

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Caernarfon

$270 22.6% 31.3% $64

Monthly Utilities & Internet

Cebu

$162 17.6%

Caernarfon

$375 31.3% 132% $213

Clothing & Footwear

Cebu

$94 10.2%

Caernarfon

$155 12.9% 64.7% $61

Eating Out

Cebu

$88 9.6%

Caernarfon

$228 19.1% 159% $140

Sport & Entertainment

Cebu

$44 4.8%

Caernarfon

$62 5.2% 41.7% $18

Getting Around

Cebu

$16 1.7%

Caernarfon

$107 8.9% 585% $91

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

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $662 in Caernarfon. Housing cost is often the main lever when comparing two cities.

Caernarfon pays 916% 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: $24.00 in Cebu vs $91.0 in Caernarfon for a mid-range dinner for two. Groceries echo the gap at $206 vs $270 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇬🇧 Caernarfon

🕒 Local time

03:49 3:49 AM

20:49 8:49 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

9,500

💱 Currency

Philippine Peso PHP ₱

British Pound GBP £

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

Exchange rates and currency converter

GBP, 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).

British Pound exchange rates as of October 19, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Caernarfon 11,430 km ≈ 15 h nonstop flight

From you

Cebu
Caernarfon

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 Caernarfon: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 30% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 916% lower in Caernarfon. 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 $662 in Caernarfon. 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 $24.00 versus $91.0 in Caernarfon. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $918 per month in Cebu versus $1,196 in Caernarfon – a 30% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,196 in Caernarfon, a $1,500 budget is realistic in Cebu but tight or insufficient in Caernarfon. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Caernarfon, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Caernarfon 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 30% less than in Caernarfon. Beyond cost, consider language, visa policies, and how big the international community is in each city.