Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ferrol

For one person, living is cheaper in Cebu: $918 a month against $1,385 in Ferrol, rent and utilities included – about $5,600 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
68

Cost of Living Index in Ferrol
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Ferrol Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Ferrol

🇪🇸 Spain

$1,385

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ferrol

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

Monthly costs for one person with rent: $918 in Cebu versus $1,385 in Ferrol.

Cebu $918
Ferrol $1,385

Estimated couple costs with rent: $1,409 in Cebu versus $2,063 in Ferrol.

Cebu $1,409
Ferrol $2,063

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,741 in Ferrol.

Cebu $1,900
Ferrol $2,741

Living in Cebu costs roughly 34% less than in Ferrol, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Ferrol is 3% above.

Meal at Budget Restaurant

$3.09 ₱194

$16.78 €14.93

-81.59%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$43.86 €39.01

-44.78%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$14.47 €12.87

-72.91%

Cappuccino

$2.51 ₱158

$1.71 €1.52

46.78%

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

$1.59 ₱100

$2.74 €2.44

-41.97%

Water (0.33 liter bottle)

$0.53 ₱33.43

$2.27 €2.02

-76.65%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.85 €2.53

-37.54%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.77 €2.46

-21.66%

Milk (1 liter)

$1.92 ₱121

$1.07 €0.95

79.44%

White Bread (500g)

$1.36 ₱85.4

$1.15 €1.02

18.26%

Rice (white) (1kg)

$1.01 ₱63.5

$2.26 €2.01

-55.31%

Eggs

$2.03 ₱128

$3.97 €3.53

-48.87%

Local Cheese (1kg)

$9.86 ₱621

$11.04 €9.82

-10.69%

Chicken Fillets (1kg)

$4.39 ₱277

$8.96 €7.97

-51.00%

Beef Round Steak (1kg)

$7.60 ₱479

$11.35 €10.10

-33.04%

Apples (1kg)

$3.30 ₱208

$2.29 €2.04

44.10%

Banana (1kg)

$1.39 ₱87.8

$1.65 €1.47

-15.76%

Oranges (1kg)

$2.33 ₱147

$2.21 €1.96

5.43%

Tomato (1kg)

$1.50 ₱94.3

$2.17 €1.93

-30.88%

Potato (1kg)

$2.36 ₱149

$1.68 €1.50

40.48%

Onion (1kg)

$1.90 ₱119

$1.11 €0.99

71.17%

Lettuce (1 head)

$1.19 ₱74.9

$1.68 €1.50

-29.17%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.54 €0.48

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

Wine (Bottle)

$6.03 ₱379

$4.33 €3.85

39.26%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.14 €1.01

7.89%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.69 €1.51

3.55%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.46 €1.30

-82.88%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$24.74 €22.01

-48.91%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$4.74 €4.22

-83.76%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.31 ₱82.8

$1.88 €1.68

-30.32%

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

$21.2K ₱1.3M

$32.9K €29.3K

-35.43%

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

$19.1K ₱1.2M

$29.6K €26.4K

-35.39%

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

$120 ₱7,569

$93.3 €83.0

28.84%

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

$14.00 ₱882

$22.23 €19.78

-37.02%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$44.05 €39.18

-37.48%

Gym Membership (Monthly)

$32.33 ₱2,035

$38.35 €34.11

-15.70%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$8.97 €7.98

-25.86%

Cinema Ticket

$5.65 ₱356

$8.85 €7.88

-36.16%

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

$275 ₱17.3K

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

Men's Leather Business Shoes

$57.2 ₱3,601

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$892 €793

-43.98%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$658 €585

-53.08%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,538 €1,368

-29.94%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,101 €979

-44.13%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,658 €1,475

74.03%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,534 €1,364

-77.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.5

105.71%

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

Last update for Cebu: October 12, 2026

Last update for Ferrol: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Ferrol

$658 47.5% 113% $349

Groceries & Markets

Cebu

$206 22.4%

Ferrol

$238 17.2% 15.8% $33

Monthly Utilities & Internet

Cebu

$162 17.6%

Ferrol

$160 11.5% 1.3% $2.2

Clothing & Footwear

Cebu

$94 10.2%

Ferrol

- * 0% 100%

Eating Out

Cebu

$88 9.6%

Ferrol

$238 17.2% 170% $150

Sport & Entertainment

Cebu

$44 4.8%

Ferrol

$56 4.1% 28.5% $12

Getting Around

Cebu

$16 1.7%

Ferrol

$35 * 2.6% 127% $20

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 $892 in Ferrol. Housing cost is often the main lever when comparing two cities.

Ferrol pays 343% 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 $44.00 in Ferrol for a mid-range dinner for two. Groceries echo the gap at $206 vs $238 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇪🇸 Ferrol

🕒 Local time

05:02 5:02 AM

23:02 11:02 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

63,890

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 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 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Ferrol 12,330 km ≈ 16 h nonstop flight

From you

Cebu
Ferrol

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 Ferrol: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and leisure. The 51% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 343% lower in Ferrol. 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 $892 in Ferrol. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Ferrol. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $1,385 in Ferrol – a 51% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,385 in Ferrol, a $1,500 budget is realistic in Cebu but tight or insufficient in Ferrol. 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 Ferrol, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Ferrol 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 51% less than in Ferrol. Beyond cost, consider language, visa policies, and how big the international community is in each city.