Last update: Oct 2026

Cost of Living Comparison Between Cebu and Hagatna

For one person, living is cheaper in Cebu: $918 a month against $2,740 in Hagatna, rent and utilities included – about $21,900 less a year. Higher rent and utilities in Hagatna outweigh lower spending on other living expenses.

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Cost of Living Index in Cebu
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Cebu Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Hagatna

🇬🇺 Guam

$2,740

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Hagatna

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

Monthly costs for one person with rent: $918 in Cebu versus $2,740 in Hagatna.

Cebu $918
Hagatna $2,740

Estimated couple costs with rent: $1,409 in Cebu versus $2,939 in Hagatna.

Cebu $1,409
Hagatna $2,939

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,138 in Hagatna.

Cebu $1,900
Hagatna $3,138

Living in Cebu costs roughly 67% less than in Hagatna, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Cebu is 32% below, Hagatna is 103% above.

Meal at Budget Restaurant

$3.09 ₱195

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

Cappuccino

$2.51 ₱158

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

$1.59 ₱100

Water (0.33 liter bottle)

$0.53 ₱33.45

Local Beer (0.5 liter draught)

$1.78 ₱112

Imported Beer (0.33 liter bottle)

$2.17 ₱137

Milk (1 liter)

$1.92 ₱121

$3.85 $3.85

-50.13%

White Bread (500g)

$1.36 ₱85.5

Rice (white) (1kg)

$1.01 ₱63.6

Eggs

$2.03 ₱128

$9.46 $9.46

-78.54%

Local Cheese (1kg)

$9.86 ₱621

Chicken Fillets (1kg)

$4.39 ₱277

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

Banana (1kg)

$1.39 ₱87.8

Oranges (1kg)

$2.33 ₱147

Tomato (1kg)

$1.50 ₱94.3

Potato (1kg)

$2.36 ₱149

Onion (1kg)

$1.90 ₱119

Lettuce (1 head)

$1.19 ₱74.9

Water (1.5 liter bottle)

$0.63 ₱39.73

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

Wine (Bottle)

$6.03 ₱380

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

Imported Beer (0.33 liter bottle)

$1.75 ₱110

One-way Ticket (Public Transport)

$0.25 ₱15.87

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.64

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.31 ₱82.8

$1.32 $1.32

-0.76%

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

$21.2K ₱1.3M

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

$19.1K ₱1.2M

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

$120 ₱7,573

$345 $345

-65.15%

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

$14.00 ₱882

$60.5 $60.5

-76.87%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,735

$59.6 $59.6

-53.79%

Gym Membership (Monthly)

$32.33 ₱2,036

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

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

$275 ₱17.3K

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

Men's Leather Business Shoes

$57.2 ₱3,603

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$2,178 $2,178

-77.06%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$2,198 $2,198

-85.95%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$2,423 $2,423

-55.52%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

$2,402 $2,402

-74.39%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$6,807 $6,807

-94.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Cebu: October 12, 2026

Last update for Hagatna: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Hagatna

–

Groceries & Markets

Cebu

$206 22.4%

Hagatna

–

Monthly Utilities & Internet

Cebu

$162 17.6%

Hagatna

–

Clothing & Footwear

Cebu

$94 10.2%

Hagatna

–

Eating Out

Cebu

$88 9.6%

Hagatna

–

Sport & Entertainment

Cebu

$44 4.8%

Hagatna

–

Getting Around

Cebu

$16 1.7%

Hagatna

–

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $2,178 in Hagatna. Housing cost is often the main lever when comparing two cities.

Hagatna pays 1868% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Good to know

🇵🇭 Cebu

🇬🇺 Hagatna

🕒 Local time

00:36 12:36 AM

02:36 2:36 AM

2 h ahead of Cebu

🌤 Weather

👥 Population

964,169

1,100 Capital

💱 Currency

Philippine Peso PHP ₱

United States Dollar USD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 USD = 0.889 EUR

Exchange rates and currency converter

USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

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

USD to PHP in detail →

On the map

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Between locations

Cebu Hagatna 2,300 km ≈ 3 h 15 min nonstop flight

From you

Cebu
Hagatna

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 Hagatna: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in utilities. The 199% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1868% lower in Hagatna. 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 $2,178 in Hagatna. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Hagatna pay roughly 170% 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 $2,740 in Hagatna – a 199% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,740 in Hagatna, a $1,500 budget is realistic in Cebu but tight or insufficient in Hagatna. 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 Hagatna, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Hagatna 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 199% less than in Hagatna. Beyond cost, consider language, visa policies, and how big the international community is in each city.