Last update: Oct 2026

Cost of Living Comparison Between Cebu and Gracanica

For one person, living is cheaper in Cebu: $918 a month against $966 in Gracanica, rent and utilities included – about $580 less a year. The total is higher in Gracanica despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
46

Cost of Living Index in Gracanica
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Gracanica Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Gracanica

🇧🇦 Bosnia and Herzegovina

$966

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Gracanica

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

Monthly costs for one person with rent: $918 in Cebu versus $966 in Gracanica.

Cebu $918
Gracanica $966

Estimated couple costs with rent: $1,409 in Cebu versus $1,463 in Gracanica.

Cebu $1,409
Gracanica $1,463

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,959 in Gracanica.

Cebu $1,900
Gracanica $1,959

Living in Cebu costs roughly 5% less than in Gracanica, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 32% lower, Gracanica 28% lower.

Meal at Budget Restaurant

$3.09 ₱194

$6.84 BAM 11.89

-54.82%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$36.51 BAM 63.5

-33.66%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$6.67 BAM 11.59

-41.23%

Cappuccino

$2.51 ₱158

$1.65 BAM 2.86

52.12%

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

$1.59 ₱100

$1.89 BAM 3.29

-15.87%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.18 BAM 2.06

-55.08%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.34 BAM 4.06

-23.93%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.26 BAM 3.92

-3.98%

Milk (1 liter)

$1.92 ₱121

$1.40 BAM 2.44

37.14%

White Bread (500g)

$1.36 ₱85.4

$1.45 BAM 2.52

-6.21%

Rice (white) (1kg)

$1.01 ₱63.5

$2.45 BAM 4.26

-58.78%

Eggs

$2.03 ₱128

$3.17 BAM 5.51

-35.96%

Local Cheese (1kg)

$9.86 ₱621

$10.31 BAM 17.92

-4.36%

Chicken Fillets (1kg)

$4.39 ₱277

$7.26 BAM 12.62

-39.53%

Beef Round Steak (1kg)

$7.60 ₱479

$14.39 BAM 25.02

-47.19%

Apples (1kg)

$3.30 ₱208

$1.11 BAM 1.94

197.30%

Banana (1kg)

$1.39 ₱87.8

$1.66 BAM 2.88

-16.27%

Oranges (1kg)

$2.33 ₱147

$1.49 BAM 2.59

56.38%

Tomato (1kg)

$1.50 ₱94.3

$1.68 BAM 2.92

-10.71%

Potato (1kg)

$2.36 ₱149

$1.05 BAM 1.83

124.76%

Onion (1kg)

$1.90 ₱119

$1.10 BAM 1.91

72.73%

Lettuce (1 head)

$1.19 ₱74.9

$1.11 BAM 1.94

7.21%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.99 BAM 1.72

-36.36%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.83 BAM 6.66

-21.67%

Wine (Bottle)

$6.03 ₱379

$8.64 BAM 15.02

-30.21%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.16 BAM 2.01

6.03%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.26 BAM 2.19

38.89%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.14 BAM 1.98

-78.07%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.68 BAM 2.93

-54.17%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.12 BAM 1.95

-79.46%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$10.39 BAM 18.07

-57.07%

Gasoline (1 liter)

$1.31 ₱82.8

$1.56 BAM 2.72

-16.03%

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

$21.2K ₱1.3M

$30.9K BAM 53.7K

-31.25%

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

$19.1K ₱1.2M

$21.5K BAM 37.3K

-10.82%

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

$120 ₱7,569

$91.3 BAM 159

31.72%

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

$14.00 ₱882

$18.13 BAM 31.53

-22.78%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$28.70 BAM 49.91

-4.04%

Gym Membership (Monthly)

$32.33 ₱2,035

$34.84 BAM 60.6

-7.20%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$5.57 BAM 9.68

1.44%

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

$275 ₱17.3K

$134 BAM 233

105.16%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$3,880 BAM 6,747

104.09%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$59.4 BAM 103

-16.95%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$32.28 BAM 56.1

-21.81%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$94.4 BAM 164

-18.50%

Men's Leather Business Shoes

$57.2 ₱3,601

$130 BAM 227

-56.15%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$364 BAM 633

37.16%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$266 BAM 463

16.01%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$443 BAM 770

143.41%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$389 BAM 676

58.18%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,717 BAM 4,724

6.24%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,879 BAM 3,267

2.02%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$561 BAM 976

-38.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.3

67.44%

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

Last update for Cebu: October 12, 2026

Last update for Gracanica: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Gracanica

$266 27.6% 13.8% $43

Groceries & Markets

Cebu

$206 22.4%

Gracanica

$238 24.7% 15.8% $33

Monthly Utilities & Internet

Cebu

$162 17.6%

Gracanica

$138 14.3% 14.6% $24

Clothing & Footwear

Cebu

$94 10.2%

Gracanica

$142 14.8% 51.6% $49

Eating Out

Cebu

$88 9.6%

Gracanica

$123 12.7% 39.3% $35

Sport & Entertainment

Cebu

$44 4.8%

Gracanica

$46 4.8% 5.4% $2.4

Getting Around

Cebu

$16 1.7%

Gracanica

$12 * 1.2% 23.9% $3.7

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 $364 in Gracanica. Housing cost is often the main lever when comparing two cities.

Gracanica pays 62% 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 $37.00 in Gracanica 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

🇧🇦 Gracanica

🕒 Local time

12:10 12:10 PM

06:10 6:10 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

12,882

💱 Currency

Philippine Peso PHP ₱

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 BAM = 0.575 USD

1 BAM = 0.512 EUR

Exchange rates and currency converter

BAM, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of October 18, 2026: 1 USD = 1.74 BAM (1 BAM = 0.575 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Gracanica 10,400 km ≈ 14 h nonstop flight

From you

Cebu
Gracanica

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 Gracanica: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 5% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 62% lower in Gracanica. 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 $364 in Gracanica. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Gracanica. 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 $966 in Gracanica – a 5% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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

Safety-wise, Cebu and Gracanica 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 5% less than in Gracanica. Beyond cost, consider language, visa policies, and how big the international community is in each city.