Last update: Oct 2026

Cost of Living Comparison Between Cebu and Gradiska

For one person, living is cheaper in Gradiska: $774 a month against $918 in Cebu, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

45

Cost of Living Index in Cebu
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Cebu Living Index
38

Cost of Living Index in Gradiska
Learn more

Gradiska Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Gradiska

🇧🇦 Bosnia and Herzegovina

$774

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Gradiska

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

Monthly costs for one person with rent: $918 in Cebu versus $774 in Gradiska.

Cebu $918
Gradiska $774

Estimated couple costs with rent: $1,409 in Cebu versus $1,267 in Gradiska.

Cebu $1,409
Gradiska $1,267

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,760 in Gradiska.

Cebu $1,900
Gradiska $1,760

Living in Cebu is roughly 19% more expensive than in Gradiska, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 32% lower, Gradiska 43% lower.

Meal at Budget Restaurant

$3.09 ₱194

$5.86 BAM 10.19

-47.27%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$37.72 BAM 65.6

-35.79%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$6.69 BAM 11.63

-41.41%

Cappuccino

$2.51 ₱158

$1.68 BAM 2.93

49.40%

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

$1.59 ₱100

$1.73 BAM 3.01

-8.09%

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

$1.73 BAM 3.00

2.89%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.34 BAM 4.07

-7.26%

Milk (1 liter)

$1.92 ₱121

$1.29 BAM 2.25

48.84%

White Bread (500g)

$1.36 ₱85.4

$1.11 BAM 1.94

22.52%

Rice (white) (1kg)

$1.01 ₱63.5

$1.71 BAM 2.97

-40.94%

Eggs

$2.03 ₱128

$3.44 BAM 5.98

-40.99%

Local Cheese (1kg)

$9.86 ₱621

$7.06 BAM 12.28

39.66%

Chicken Fillets (1kg)

$4.39 ₱277

$7.05 BAM 12.26

-37.73%

Beef Round Steak (1kg)

$7.60 ₱479

$15.01 BAM 26.11

-49.37%

Apples (1kg)

$3.30 ₱208

$1.06 BAM 1.84

211.32%

Banana (1kg)

$1.39 ₱87.8

$1.43 BAM 2.49

-2.80%

Oranges (1kg)

$2.33 ₱147

$1.21 BAM 2.11

92.56%

Tomato (1kg)

$1.50 ₱94.3

$1.60 BAM 2.78

-6.25%

Potato (1kg)

$2.36 ₱149

$1.39 BAM 2.41

69.78%

Onion (1kg)

$1.90 ₱119

$0.82 BAM 1.42

131.71%

Lettuce (1 head)

$1.19 ₱74.9

$1.61 BAM 2.81

-26.09%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.81 BAM 1.41

-22.22%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.71 BAM 6.45

-19.14%

Wine (Bottle)

$6.03 ₱379

$8.81 BAM 15.31

-31.56%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.00 BAM 1.73

23.00%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.05 BAM 1.82

66.67%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.92 BAM 5.07

-91.44%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.68 BAM 2.91

-54.17%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.15 BAM 2.00

-80.00%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$10.09 BAM 17.55

-55.80%

Gasoline (1 liter)

$1.31 ₱82.8

$1.53 BAM 2.66

-14.38%

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

$21.2K ₱1.3M

$31.0K BAM 54.0K

-31.55%

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

$19.1K ₱1.2M

$20.8K BAM 36.2K

-8.03%

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

$120 ₱7,569

$86.3 BAM 150

39.32%

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

$14.00 ₱882

$18.50 BAM 32.17

-24.32%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$22.68 BAM 39.44

21.43%

Gym Membership (Monthly)

$32.33 ₱2,035

$24.95 BAM 43.39

29.58%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$2.81 BAM 4.88

101.07%

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

$275 ₱17.3K

$134 BAM 233

105.76%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$18.6K BAM 32.3K

-57.41%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$57.0 BAM 99.0

-13.38%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$28.60 BAM 49.73

-11.75%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$72.1 BAM 125

6.73%

Men's Leather Business Shoes

$57.2 ₱3,601

$115 BAM 200

-50.39%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$169 BAM 294

195.54%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$142 BAM 247

117.16%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$366 BAM 636

194.67%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$314 BAM 545

96.20%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,410 BAM 2,453

104.62%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,243 BAM 2,162

54.13%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$673 BAM 1,170

-48.59%

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 Gradiska: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Gradiska

$142 18.4% 54% $167

Groceries & Markets

Cebu

$206 22.4%

Gradiska

$220 28.4% 6.6% $14

Monthly Utilities & Internet

Cebu

$162 17.6%

Gradiska

$127 16.5% 21.2% $34

Clothing & Footwear

Cebu

$94 10.2%

Gradiska

$123 15.9% 30.8% $29

Eating Out

Cebu

$88 9.6%

Gradiska

$112 14.5% 27% $24

Sport & Entertainment

Cebu

$44 4.8%

Gradiska

$31 4% 29.9% $13

Getting Around

Cebu

$16 1.7%

Gradiska

$19 * 2.5% 22.7% $3.5

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 $169 in Gradiska. Housing cost is often the main lever when comparing two cities.

Gradiska pays 95% 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 $38.00 in Gradiska for a mid-range dinner for two. Groceries echo the gap at $206 vs $220 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇧🇦 Gradiska

🕒 Local time

21:05 9:05 PM

15:05 3:05 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

14,368

💱 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 Gradiska 10,470 km ≈ 14 h nonstop flight

From you

Cebu
Gradiska

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 Gradiska: Cost of Living - Frequently Asked Questions

Gradiska is cheaper overall, especially in leisure and utilities. The 19% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 95% lower in Gradiska. 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 $169 in Gradiska. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Cebu pay roughly 7% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $918 per month in Cebu versus $774 in Gradiska – a 19% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Gradiska 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 Gradiska 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 Gradiska gentler on the wallet – expenses run 19% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.