Last update: Oct 2026

Cost of Living Comparison Between Cebu and Chernihiv

For one person, living is cheaper in Chernihiv: $628 a month against $918 in Cebu, rent and utilities included – about $3,500 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
31

Cost of Living Index in Chernihiv
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Chernihiv Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Chernihiv

🇺🇦 Ukraine

$628

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Chernihiv

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

Monthly costs for one person with rent: $918 in Cebu versus $628 in Chernihiv.

Cebu $918
Chernihiv $628

Estimated couple costs with rent: $1,409 in Cebu versus $951 in Chernihiv.

Cebu $1,409
Chernihiv $951

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,274 in Chernihiv.

Cebu $1,900
Chernihiv $1,274

Living in Cebu is roughly 46% more expensive than in Chernihiv, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Chernihiv 53% lower.

Meal at Budget Restaurant

$3.09 ₱195

$7.78 ₴349

-60.28%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$21.22 ₴953

14.14%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$4.78 ₴215

-17.99%

Cappuccino

$2.51 ₱158

$1.09 ₴48.90

130.28%

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

$1.59 ₱100

$0.50 ₴22.30

218.00%

Water (0.33 liter bottle)

$0.53 ₱33.45

$0.31 ₴14.07

70.97%

Local Beer (0.5 liter draught)

$1.78 ₱112

$0.75 ₴33.44

137.33%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.35 ₴60.7

60.74%

Milk (1 liter)

$1.92 ₱121

$1.13 ₴50.6

69.91%

White Bread (500g)

$1.36 ₱85.5

$0.66 ₴29.47

106.06%

Rice (white) (1kg)

$1.01 ₱63.6

$1.46 ₴65.7

-30.82%

Eggs

$2.03 ₱128

$1.58 ₴70.7

28.48%

Local Cheese (1kg)

$9.86 ₱621

$4.88 ₴219

102.05%

Chicken Fillets (1kg)

$4.39 ₱277

$4.13 ₴185

6.30%

Beef Round Steak (1kg)

$7.60 ₱479

$7.41 ₴333

2.56%

Apples (1kg)

$3.30 ₱208

$0.89 ₴40.04

270.79%

Banana (1kg)

$1.39 ₱87.8

$1.24 ₴55.8

12.10%

Oranges (1kg)

$2.33 ₱147

$1.30 ₴58.5

79.23%

Tomato (1kg)

$1.50 ₱94.3

$1.56 ₴70.0

-3.85%

Potato (1kg)

$2.36 ₱149

$0.87 ₴39.07

171.26%

Onion (1kg)

$1.90 ₱119

$0.69 ₴30.77

175.36%

Lettuce (1 head)

$1.19 ₱74.9

$0.90 ₴40.57

32.22%

Water (1.5 liter bottle)

$0.63 ₱39.73

$0.59 ₴26.66

6.78%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.61 ₴117

14.94%

Wine (Bottle)

$6.03 ₱380

$4.05 ₴182

48.89%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.84 ₴37.61

46.43%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.26 ₴56.6

38.89%

One-way Ticket (Public Transport)

$0.25 ₱15.87

$0.40 ₴18.13

-37.50%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$14.48 ₴650

-12.71%

Taxi Start (Normal Tariff)

$0.77 ₱48.64

$1.24 ₴55.7

-37.90%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

$0.17 ₴7.72

35.29%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$5.24 ₴235

-14.89%

Gasoline (1 liter)

$1.31 ₱82.8

$1.41 ₴63.2

-7.09%

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

$21.2K ₱1.3M

$25.7K ₴1.2M

-17.49%

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

$19.1K ₱1.2M

$25.7K ₴1.2M

-25.59%

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

$120 ₱7,573

$60.4 ₴2,710

99.16%

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

$14.00 ₱882

$5.92 ₴266

136.49%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,735

$4.29 ₴192

541.96%

Gym Membership (Monthly)

$32.33 ₱2,036

$26.17 ₴1,175

23.54%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$6.63 ₴297

0.30%

Cinema Ticket

$5.65 ₱356

$4.18 ₴188

35.17%

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

$275 ₱17.3K

$226 ₴10.2K

21.68%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

$42.11 ₴1,890

17.15%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

$27.38 ₴1,229

-7.82%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

$69.3 ₴3,109

11.12%

Men's Leather Business Shoes

$57.2 ₱3,603

$79.2 ₴3,555

-27.78%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$224 ₴10.0K

123.37%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$166 ₴7,438

86.38%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$301 ₴13.5K

258.30%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

$224 ₴10.0K

174.92%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

$889 ₴39.9K

224.58%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$637 ₴28.6K

201.00%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$417 ₴18.7K

-17.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

15.25

-52.79%

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

Last update for Cebu: October 12, 2026

Last update for Chernihiv: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Chernihiv

$166 26.4% 46.3% $143

Groceries & Markets

Cebu

$206 22.4%

Chernihiv

$142 22.6% 31% $64

Monthly Utilities & Internet

Cebu

$162 17.6%

Chernihiv

$71 11.2% 56.4% $91

Clothing & Footwear

Cebu

$94 10.2%

Chernihiv

$98 15.6% 4.4% $4.1

Eating Out

Cebu

$88 9.6%

Chernihiv

$99 15.8% 12.5% $11

Sport & Entertainment

Cebu

$44 4.8%

Chernihiv

$35 5.5% 20.8% $9.1

Getting Around

Cebu

$16 1.7%

Chernihiv

$18 2.9% 16.8% $2.6

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $224 in Chernihiv. Housing cost is often the main lever when comparing two cities.

Chernihiv pays 21% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $24.00 in Cebu vs $21.00 in Chernihiv for a mid-range dinner for two. Groceries echo the gap at $206 vs $142 per month, with Chernihiv cheaper across the board.

Good to know

🇵🇭 Cebu

🇺🇦 Chernihiv

🕒 Local time

02:51 2:51 AM

21:51 9:51 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

293,969

💱 Currency

Philippine Peso PHP ₱

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

UAH, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

Ukrainian Hryvnia exchange rates as of October 17, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.47 UAH (100 UAH = 1.98 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Chernihiv 9,290 km ≈ 12 h nonstop flight

From you

Cebu
Chernihiv

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 Chernihiv: Cost of Living - Frequently Asked Questions

Chernihiv is cheaper overall, especially in groceries, leisure, and utilities. The 46% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 21% lower in Chernihiv. 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 $224 in Chernihiv. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $628 in Chernihiv – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Chernihiv runs roughly 15% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Chernihiv gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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

Safety-wise, Cebu and Chernihiv 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 Chernihiv gentler on the wallet – expenses run 46% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.