Last update: Oct 2026

Cost of Living Comparison Between Cebu and Đakovo

For one person, living is cheaper in Cebu: $918 a month against $1,278 in Đakovo, rent and utilities included – about $4,300 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
62

Cost of Living Index in Đakovo
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Đakovo Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Đakovo

🇭🇷 Croatia

$1,278

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Đakovo

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

Monthly costs for one person with rent: $918 in Cebu versus $1,278 in Đakovo.

Cebu $918
Đakovo $1,278

Estimated couple costs with rent: $1,409 in Cebu versus $1,879 in Đakovo.

Cebu $1,409
Đakovo $1,879

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,480 in Đakovo.

Cebu $1,900
Đakovo $2,480

Living in Cebu costs roughly 28% less than in Đakovo, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Đakovo 5% lower.

Meal at Budget Restaurant

$3.09 ₱195

$7.64 €6.82

-59.55%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,526

$27.42 €24.46

-11.67%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$5.60 €4.99

-30.00%

Cappuccino

$2.51 ₱158

$1.69 €1.51

48.52%

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

$1.59 ₱100

$1.62 €1.45

-1.85%

Water (0.33 liter bottle)

$0.53 ₱33.47

$1.63 €1.45

-67.48%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.27 €2.91

-45.57%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.30 €2.94

-34.24%

Milk (1 liter)

$1.92 ₱121

$1.23 €1.10

56.10%

White Bread (500g)

$1.36 ₱85.5

$1.10 €0.98

23.64%

Rice (white) (1kg)

$1.01 ₱63.6

$1.09 €0.97

-7.34%

Eggs

$2.03 ₱128

$2.71 €2.42

-25.09%

Local Cheese (1kg)

$9.86 ₱622

$5.66 €5.05

74.20%

Chicken Fillets (1kg)

$4.39 ₱277

$5.43 €4.84

-19.15%

Beef Round Steak (1kg)

$7.60 ₱479

$13.32 €11.88

-42.94%

Apples (1kg)

$3.30 ₱208

$2.27 €2.02

45.37%

Banana (1kg)

$1.39 ₱87.9

$1.72 €1.53

-19.19%

Oranges (1kg)

$2.33 ₱147

$2.11 €1.88

10.43%

Tomato (1kg)

$1.50 ₱94.4

$1.14 €1.02

31.58%

Potato (1kg)

$2.36 ₱149

$1.15 €1.03

105.22%

Onion (1kg)

$1.90 ₱120

$1.13 €1.01

68.14%

Lettuce (1 head)

$1.19 ₱75.0

$1.15 €1.02

3.48%

Water (1.5 liter bottle)

$0.63 ₱39.75

$1.10 €0.98

-42.73%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.55 €4.95

-45.95%

Wine (Bottle)

$6.03 ₱380

$5.47 €4.88

10.24%

Local Beer (0.5 liter bottle)

$1.23 ₱77.8

$1.63 €1.45

-24.54%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.19 €1.95

-20.09%

One-way Ticket (Public Transport)

$0.25 ₱15.88

$1.57 €1.40

-84.08%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$43.98 €39.23

-71.26%

Taxi Start (Normal Tariff)

$0.77 ₱48.67

$2.29 €2.04

-66.38%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.55

$1.10 €0.98

-79.09%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$10.99 €9.80

-59.42%

Gasoline (1 liter)

$1.31 ₱82.9

$1.82 €1.62

-28.02%

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

$21.2K ₱1.3M

$22.8K €20.3K

-6.66%

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

$19.1K ₱1.2M

$26.4K €23.6K

-27.53%

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

$120 ₱7,577

$121 €108

-0.46%

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

$14.00 ₱883

$10.99 €9.80

27.39%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,736

$20.84 €18.59

32.15%

Gym Membership (Monthly)

$32.33 ₱2,037

$50.7 €45.21

-36.22%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$13.93 €12.42

-52.26%

Cinema Ticket

$5.65 ₱356

$8.68 €7.74

-34.91%

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

$275 ₱17.4K

$79.0 €70.5

248.45%

International Primary School, 1 Child (Yearly)

$7,918 ₱499.1K

$9,991 €8,912

-20.75%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,109

$110 €98.1

-55.15%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,591

$33.43 €29.82

-24.50%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,851

$45.02 €40.16

70.95%

Men's Leather Business Shoes

$57.2 ₱3,605

$100 €89.4

-42.95%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$681 €607

-26.65%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$530 €472

-41.69%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,179 €1,052

-8.57%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

$875 €781

-29.72%

Buy Apartment in City Center (m2)

$2,886 ₱181.9K

$4,141 €3,694

-30.30%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.8K

$2,841 €2,534

-32.54%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,360 €1,213

-74.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.3

118.18%

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

Last update for Cebu: October 12, 2026

Last update for Đakovo: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Đakovo

$530 41.4% 71.5% $221

Groceries & Markets

Cebu

$206 22.4%

Đakovo

$205 16.1% 0.3% $0.7

Monthly Utilities & Internet

Cebu

$162 17.6%

Đakovo

$153 12% 5.7% $9.2

Clothing & Footwear

Cebu

$94 10.2%

Đakovo

$130 10.2% 38.3% $36

Eating Out

Cebu

$88 9.6%

Đakovo

$134 10.5% 52% $46

Sport & Entertainment

Cebu

$44 4.8%

Đakovo

$68 5.3% 56% $24

Getting Around

Cebu

$16 1.7%

Đakovo

$58 4.6% 273% $43

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $681 in Đakovo. Housing cost is often the main lever when comparing two cities.

Đakovo pays 293% 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 $27.00 in Đakovo. Groceries flip the comparison at $206 vs $205, with Đakovo cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇭🇷 Đakovo

🕒 Local time

22:35 10:35 PM

16:35 4:35 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

16,875

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 15, 2026: 1 USD = 63.03 PHP (100 PHP = 1.59 USD). 1 EUR = 70.58 PHP (100 PHP = 1.42 EUR).

Euro exchange rates as of October 15, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Đakovo 10,380 km ≈ 13 h nonstop flight

From you

Cebu
Đakovo

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 Đakovo: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 39% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 293% lower in Đakovo. 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 $681 in Đakovo. 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 $1,278 in Đakovo – a 39% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 248% less than in Đakovo. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,278 in Đakovo, a $1,500 budget is realistic in Cebu but tight or insufficient in Đakovo. 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 Đakovo, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Đakovo 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 39% less than in Đakovo. Beyond cost, consider language, visa policies, and how big the international community is in each city.