Last update: Oct 2026

Cost of Living Comparison Between Cebu and Goa

For one person, living is cheaper in Goa: $473 a month against $934 in Cebu, rent and utilities included – about $5,500 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
23

Cost of Living Index in Goa
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Goa Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Goa

🇮🇳 India

$473

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Goa

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

Monthly costs for one person with rent: $934 in Cebu versus $473 in Goa.

Cebu $934
Goa $473

Estimated couple costs with rent: $1,415 in Cebu versus $789 in Goa.

Cebu $1,415
Goa $789

Monthly costs for a family of three with rent: $1,896 in Cebu versus $1,104 in Goa.

Cebu $1,896
Goa $1,104

Living in Cebu is roughly 97% more expensive than in Goa, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Goa 65% lower.

Meal at Budget Restaurant

$3.03 ₱190

$3.07 ₹297

-1.30%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$15.75 ₹1,525

49.08%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$5.80 ₹561

-29.48%

Cappuccino

$2.52 ₱158

$1.20 ₹116

110.00%

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

$1.54 ₱96.9

$0.35 ₹33.84

340.00%

Water (0.33 liter bottle)

$0.49 ₱30.98

$0.17 ₹16.21

188.24%

Local Beer (0.5 liter draught)

$1.79 ₱112

$1.16 ₹113

54.31%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$2.54 ₹246

-11.02%

Milk (1 liter)

$1.95 ₱122

$0.73 ₹71.0

167.12%

White Bread (500g)

$1.43 ₱89.7

$0.53 ₹51.7

169.81%

Rice (white) (1kg)

$1.02 ₱63.8

$0.68 ₹65.6

50.00%

Eggs

$2.06 ₱129

$0.89 ₹86.3

131.46%

Local Cheese (1kg)

$9.81 ₱615

$7.48 ₹724

31.15%

Chicken Fillets (1kg)

$4.61 ₱289

$2.96 ₹286

55.74%

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$3.31 ₱207

$1.69 ₹164

95.86%

Banana (1kg)

$1.45 ₱90.9

$0.80 ₹77.2

81.25%

Oranges (1kg)

$2.36 ₱148

$1.54 ₹149

53.25%

Tomato (1kg)

$1.54 ₱96.4

$0.41 ₹40.08

275.61%

Potato (1kg)

$2.36 ₱148

$0.30 ₹28.63

686.67%

Onion (1kg)

$1.99 ₱125

$0.40 ₹38.61

397.50%

Lettuce (1 head)

$1.15 ₱72.1

$0.49 ₹47.85

134.69%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.30 ₹29.25

123.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$4.84 ₹468

-38.02%

Wine (Bottle)

$6.35 ₱398

$6.81 ₹660

-6.75%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$0.90 ₹87.1

45.56%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$2.80 ₹271

-38.21%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.98 ₹482

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.25 ₹24.17

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$9.58 ₹927

32.05%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$1.06 ₹102

-30.19%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$0.31 ₹29.74

-32.26%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$1.49 ₹144

190.60%

Gasoline (1 liter)

$1.33 ₱83.5

$1.05 ₹102

26.67%

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

$21.8K ₱1.4M

$12.4K ₹1.2M

76.00%

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

$19.4K ₱1.2M

$29.9K ₹2.9M

-35.23%

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

$121 ₱7,563

$25.55 ₹2,473

371.94%

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

$14.45 ₱907

$3.08 ₹298

369.16%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$9.41 ₹911

200.64%

Gym Membership (Monthly)

$32.68 ₱2,050

$17.11 ₹1,656

91.00%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$1.07 ₹104

497.20%

Cinema Ticket

$5.46 ₱342

$3.07 ₹297

77.85%

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

$273 ₱17.1K

$110 ₹10.6K

149.69%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$1,663 ₹160.9K

390.46%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$32.08 ₹3,105

54.52%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$34.08 ₹3,298

-27.02%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$57.9 ₹5,606

32.23%

Men's Leather Business Shoes

$59.3 ₱3,717

$27.70 ₹2,681

113.94%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$180 ₹17.4K

181.34%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$159 ₹15.4K

94.33%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$525 ₹50.8K

100.37%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$406 ₹39.3K

52.58%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$1,123 ₹108.7K

159.69%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$667 ₹64.5K

180.13%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$349 ₹33.8K

-2.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

9.12

-21.05%

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

Last update for Cebu: October 5, 2026

Last update for Goa: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Goa

$159 33.2% 48.5% $150

Groceries & Markets

Cebu

$210 22.7%

Goa

$109 22.7% 48.3% $102

Monthly Utilities & Internet

Cebu

$163 17.7%

Goa

$38 7.9% 76.7% $125

Clothing & Footwear

Cebu

$95 10.2%

Goa

$68 14.2% 27.8% $26

Eating Out

Cebu

$88 9.6%

Goa

$69 14.4% 21.7% $19

Sport & Entertainment

Cebu

$44 4.7%

Goa

$23 4.8% 46.7% $20

Getting Around

Cebu

$15 1.7%

Goa

$13 2.8% 14.7% $2.3

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $180 in Goa. Housing cost is often the main lever when comparing two cities.

Goa pays 2% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Cebu vs $16.00 in Goa for a mid-range dinner for two. Groceries echo the gap at $210 vs $109 per month, with Goa cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Goa

🕒 Local time

14:16 2:16 PM

11:46 11:46 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

1,458,545

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1,000 INR = 10.33 USD

1,000 INR = 9.21 EUR

Exchange rates and currency converter

INR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Goa 5,420 km ≈ 7 h nonstop flight

From you

Cebu
Goa

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 Goa: Cost of Living - Frequently Asked Questions

Goa is cheaper overall, especially in groceries, clothing, and eating out. The 97% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 2% lower in Goa. 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: $506 in Cebu versus $180 in Goa. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $473 in Goa – a 97% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Goa runs roughly 32% 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 Goa gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Goa 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 Goa 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 Goa gentler on the wallet – expenses run 97% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.