Last update: Oct 2026

Cost of Living Comparison Between Cebu and Gujarat

For one person, living is cheaper in Gujarat: $293 a month against $918 in Cebu, rent and utilities included – about $7,500 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
14

Cost of Living Index in Gujarat
Learn more

Gujarat Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Gujarat

🇮🇳 India

$293

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Gujarat

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

Monthly costs for one person with rent: $918 in Cebu versus $293 in Gujarat.

Cebu $918
Gujarat $293

Estimated couple costs with rent: $1,409 in Cebu versus $491 in Gujarat.

Cebu $1,409
Gujarat $491

Monthly costs for a family of three with rent: $1,900 in Cebu versus $689 in Gujarat.

Cebu $1,900
Gujarat $689

Living in Cebu is roughly 213% more expensive than in Gujarat, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Gujarat 78% lower.

Meal at Budget Restaurant

$3.09 ₱194

$2.06 ₹196

50.00%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,524

$8.39 ₹797

188.68%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$2.59 ₹246

51.35%

Cappuccino

$2.51 ₱158

$1.59 ₹151

57.86%

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

$1.59 ₱100

$0.31 ₹29.79

412.90%

Water (0.33 liter bottle)

$0.53 ₱33.42

$0.15 ₹13.92

253.33%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.63 ₹250

-32.32%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.09 ₹294

-29.77%

Milk (1 liter)

$1.92 ₱121

$0.66 ₹62.3

190.91%

White Bread (500g)

$1.36 ₱85.4

$0.49 ₹46.55

177.55%

Rice (white) (1kg)

$1.01 ₱63.5

$0.55 ₹52.0

83.64%

Eggs

$2.03 ₱128

$0.62 ₹58.7

227.42%

Local Cheese (1kg)

$9.86 ₱621

$6.13 ₹582

60.85%

Chicken Fillets (1kg)

$4.39 ₱276

$2.72 ₹258

61.40%

Beef Round Steak (1kg)

$7.60 ₱478

Apples (1kg)

$3.30 ₱208

$2.31 ₹219

42.86%

Banana (1kg)

$1.39 ₱87.7

$0.42 ₹40.17

230.95%

Oranges (1kg)

$2.33 ₱147

$0.98 ₹93.5

137.76%

Tomato (1kg)

$1.50 ₱94.2

$0.44 ₹41.53

240.91%

Potato (1kg)

$2.36 ₱149

$0.40 ₹38.33

490.00%

Onion (1kg)

$1.90 ₱119

$0.44 ₹41.75

331.82%

Lettuce (1 head)

$1.19 ₱74.9

$0.52 ₹49.68

128.85%

Water (1.5 liter bottle)

$0.63 ₱39.69

$0.30 ₹28.37

110.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.12 ₹486

-41.41%

Wine (Bottle)

$6.03 ₱379

$7.78 ₹739

-22.49%

Local Beer (0.5 liter bottle)

$1.23 ₱77.6

$1.56 ₹148

-21.15%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.49 ₹236

-29.72%

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

$5.39 ₹512

One-way Ticket (Public Transport)

$0.25 ₱15.85

Public Transport Monthly Pass (Regular Price)

$12.64 ₱795

Taxi Start (Normal Tariff)

$0.77 ₱48.59

$0.75 ₹70.8

2.67%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.52

$0.13 ₹12.51

76.92%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$1.29 ₹122

245.74%

Gasoline (1 liter)

$1.31 ₱82.8

$1.09 ₹104

20.18%

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

$21.2K ₱1.3M

$20.7K ₹2.0M

2.43%

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

$19.1K ₱1.2M

$23.0K ₹2.2M

-16.72%

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

$120 ₱7,566

$25.61 ₹2,432

369.47%

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

$14.00 ₱881

$3.72 ₹354

276.34%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,733

$6.83 ₹649

303.22%

Gym Membership (Monthly)

$32.33 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.65 ₱418

Cinema Ticket

$5.65 ₱355

$3.15 ₹299

79.37%

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

$275 ₱17.3K

$66.0 ₹6,268

317.14%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.3K

$1,645 ₹156.2K

381.36%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,105

$19.19 ₹1,822

157.06%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$12.70 ₹1,206

98.74%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,844

$39.90 ₹3,789

92.88%

Men's Leather Business Shoes

$57.2 ₱3,600

$14.90 ₹1,415

283.89%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$123 ₹11.7K

304.63%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$41.39 ₹3,930

646.12%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.8K

$190 ₹18.1K

466.60%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$156 ₹14.8K

293.51%

Buy Apartment in City Center (m2)

$2,886 ₱181.6K

$1,036 ₹98.4K

178.57%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.6K

$412 ₹39.2K

364.68%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$876 ₹83.2K

-60.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.73

-17.53%

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

Last update for Cebu: October 12, 2026

Last update for Gujarat: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Gujarat

$41 14.1% 86.6% $267

Groceries & Markets

Cebu

$206 22.4%

Gujarat

$104 35.6% 49.3% $101

Monthly Utilities & Internet

Cebu

$162 17.6%

Gujarat

$36 12.3% 77.6% $126

Clothing & Footwear

Cebu

$94 10.2%

Gujarat

$39 13.3% 58.5% $55

Eating Out

Cebu

$88 9.6%

Gujarat

$64 22% 27% $24

Sport & Entertainment

Cebu

$44 4.8%

Gujarat

$6.3 * 2.2% 85.5% $37

Getting Around

Cebu

$16 1.7%

Gujarat

$1.4 * 0.5% 91% $14

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 $123 in Gujarat. Housing cost is often the main lever when comparing two cities.

Gujarat pays 153% 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 $8.00 in Gujarat for a mid-range dinner for two. Groceries echo the gap at $206 vs $104 per month, with Gujarat cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Gujarat

🕒 Local time

04:21 4:21 AM

01:51 1:51 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.39 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 16, 2026: 1 USD = 62.93 PHP (100 PHP = 1.59 USD). 1 EUR = 70.59 PHP (100 PHP = 1.42 EUR).

Indian Rupee exchange rates as of October 16, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.39 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Gujarat 5,930 km ≈ 8 h nonstop flight

From you

Cebu
Gujarat

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 Gujarat: Cost of Living - Frequently Asked Questions

Gujarat is cheaper overall, especially in groceries, clothing, and eating out. The 213% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 153% lower in Gujarat. 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 $123 in Gujarat. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 97% higher in Cebu. 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 $293 in Gujarat – a 213% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Gujarat gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Gujarat 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 Gujarat 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 Gujarat gentler on the wallet – expenses run 213% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.