Last update: Oct 2026

Cost of Living Comparison Between Cebu and Cape Coast

For one person, living is cheaper in Cebu: $918 a month against $1,261 in Cape Coast, rent and utilities included – about $4,100 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
61

Cost of Living Index in Cape Coast
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Cape Coast Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Cape Coast

🇬🇭 Ghana

$1,261

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Cape Coast

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

A single person spends $918 per month in Cebu vs $1,261 in Cape Coast, rent included.

Cebu $918
Cape Coast $1,261

A couple spends around $1,409 per month in Cebu vs $1,989 in Cape Coast, rent included.

Cebu $1,409
Cape Coast $1,989

A family of three spends $1,900 per month in Cebu vs $2,716 in Cape Coast, rent included.

Cebu $1,900
Cape Coast $2,716

Cebu is about 27% cheaper than Cape Coast, and outside of rent the biggest gap is in eating out.

Both Cebu and Cape Coast are more affordable than the global median – Cebu 32% lower, Cape Coast 7% lower.

Meal at Budget Restaurant

$3.09 ₱194

$8.15 GHS 94.6

-62.09%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,524

$51.9 GHS 602

-53.32%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$10.18 GHS 118

-61.49%

Cappuccino

$2.51 ₱158

$4.45 GHS 51.6

-43.60%

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

$1.59 ₱100

$1.57 GHS 18.22

1.27%

Water (0.33 liter bottle)

$0.53 ₱33.42

$0.45 GHS 5.18

17.78%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.84 GHS 21.34

-3.26%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.20 GHS 25.49

-1.36%

Milk (1 liter)

$1.92 ₱121

$3.64 GHS 42.24

-47.25%

White Bread (500g)

$1.36 ₱85.4

$1.67 GHS 19.42

-18.56%

Rice (white) (1kg)

$1.01 ₱63.5

$3.07 GHS 35.60

-67.10%

Eggs

$2.03 ₱128

$2.55 GHS 29.60

-20.39%

Local Cheese (1kg)

$9.86 ₱621

$12.01 GHS 139

-17.90%

Chicken Fillets (1kg)

$4.39 ₱276

$7.04 GHS 81.6

-37.64%

Beef Round Steak (1kg)

$7.60 ₱478

$9.76 GHS 113

-22.13%

Apples (1kg)

$3.30 ₱208

$3.57 GHS 41.38

-7.56%

Banana (1kg)

$1.39 ₱87.7

$1.38 GHS 16.06

0.72%

Oranges (1kg)

$2.33 ₱147

$1.76 GHS 20.47

32.39%

Tomato (1kg)

$1.50 ₱94.2

$3.63 GHS 42.15

-58.68%

Potato (1kg)

$2.36 ₱149

$2.77 GHS 32.14

-14.80%

Onion (1kg)

$1.90 ₱119

$2.74 GHS 31.73

-30.66%

Lettuce (1 head)

$1.19 ₱74.9

$0.69 GHS 8.04

72.46%

Water (1.5 liter bottle)

$0.63 ₱39.69

$0.60 GHS 6.98

5.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.50 GHS 29.06

20.00%

Wine (Bottle)

$6.03 ₱379

$7.32 GHS 84.9

-17.62%

Local Beer (0.5 liter bottle)

$1.23 ₱77.6

$1.28 GHS 14.82

-3.91%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.38 GHS 27.64

-26.47%

One-way Ticket (Public Transport)

$0.25 ₱15.85

Public Transport Monthly Pass (Regular Price)

$12.64 ₱795

Taxi Start (Normal Tariff)

$0.77 ₱48.59

$1.73 GHS 20.01

-55.49%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.52

$1.25 GHS 14.46

-81.60%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$4.26 GHS 49.42

4.69%

Gasoline (1 liter)

$1.31 ₱82.8

$1.29 GHS 14.94

1.55%

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

$21.2K ₱1.3M

$7,862 GHS 91.2K

170.19%

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

$19.1K ₱1.2M

$9,880 GHS 114.6K

93.79%

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

$120 ₱7,566

$73.2 GHS 849

64.34%

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

$14.00 ₱881

$19.55 GHS 227

-28.39%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,733

$43.07 GHS 500

-36.06%

Gym Membership (Monthly)

$32.33 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.65 ₱418

Cinema Ticket

$5.65 ₱355

$12.92 GHS 150

-56.27%

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

$275 ₱17.3K

$466 GHS 5,407

-40.93%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.3K

$18.7K GHS 217.1K

-57.70%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,105

$14.04 GHS 163

251.35%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$18.28 GHS 212

38.07%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,844

$36.79 GHS 427

109.19%

Men's Leather Business Shoes

$57.2 ₱3,600

$53.0 GHS 615

7.97%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$608 GHS 7,058

-17.91%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$589 GHS 6,831

-47.56%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.8K

$1,230 GHS 14.3K

-12.35%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,119 GHS 13.0K

-45.04%

Buy Apartment in City Center (m2)

$2,886 ₱181.6K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.6K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

26.75

-73.08%

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

Last update for Cebu: October 12, 2026

Last update for Cape Coast: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Cape Coast

$589 46.7% 90.7% $280

Groceries & Markets

Cebu

$206 22.4%

Cape Coast

$277 22% 34.6% $71

Monthly Utilities & Internet

Cebu

$162 17.6%

Cape Coast

$136 10.8% 16.1% $26

Clothing & Footwear

Cebu

$94 10.2%

Cape Coast

$55 4.4% 41.5% $39

Eating Out

Cebu

$88 9.6%

Cape Coast

$171 13.5% 93.5% $83

Sport & Entertainment

Cebu

$44 4.8%

Cape Coast

$26 * 2.1% 40.8% $18

Getting Around

Cebu

$16 1.7%

Cape Coast

$8 * 0.6% 48.9% $7.6

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 $608 in Cape Coast. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $24.00 in Cebu versus $52.0 in Cape Coast. Monthly groceries follow the same trend: $206 vs $277 – making Cebu the more affordable choice for daily food spending.

Good to know

🇵🇭 Cebu

🇬🇭 Cape Coast

🕒 Local time

20:54 8:54 PM

12:54 12:54 PM

8 h behind Cebu

🌤 Weather

👥 Population

964,169

155,000

💱 Currency

Philippine Peso PHP ₱

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 GHS = 8.62 USD

100 GHS = 7.69 EUR

Exchange rates and currency converter

GHS, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 16, 2026: 1 USD = 62.93 PHP (100 PHP = 1.59 USD). 1 EUR = 70.59 PHP (100 PHP = 1.42 EUR).

Ghanaian Cedi exchange rates as of October 16, 2026: 1 USD = 11.6 GHS (100 GHS = 8.62 USD). 1 EUR = 13.01 GHS (100 GHS = 7.69 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Cape Coast 13,700 km ≈ 18 h nonstop flight

From you

Cebu
Cape Coast

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 Cape Coast: Cost of Living - Frequently Asked Questions

Yes – Cape Coast is pricier by about 37%, 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 $1,892 in Cape Coast. 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.

Monthly expenses with rent come to $918 in Cebu and $1,261 in Cape Coast. That's a gap of about 37%.

Kindergarten costs $275 per month in Cebu and $466 in Cape Coast. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $918, than in Cape Coast at $1,261. In Cebu it covers expenses comfortably, while in Cape Coast 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, Cape Coast makes more sense. Both are solid long-term options with distinct trade-offs.