Last update: Oct 2026

Cost of Living Comparison Between Cebu and Hamamatsu

For one person, living is cheaper in Hamamatsu: $775 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
Learn more

Cebu Living Index
38

Cost of Living Index in Hamamatsu
Learn more

Hamamatsu Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Hamamatsu

🇯🇵 Japan

$775

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Hamamatsu

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

Monthly costs for one person with rent: $918 in Cebu versus $775 in Hamamatsu.

Cebu $918
Hamamatsu $775

Estimated couple costs with rent: $1,409 in Cebu versus $1,251 in Hamamatsu.

Cebu $1,409
Hamamatsu $1,251

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,727 in Hamamatsu.

Cebu $1,900
Hamamatsu $1,727

Living in Cebu is roughly 18% more expensive than in Hamamatsu, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$3.09 ₱194

$3.86 ¥610

-19.95%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$40.71 ¥6,432

-40.51%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$5.07 ¥801

-22.68%

Cappuccino

$2.51 ₱158

$3.34 ¥528

-24.85%

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

$1.59 ₱100

$1.04 ¥165

52.88%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.75 ¥118

-29.33%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.49 ¥393

-28.51%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.22 ¥508

-32.61%

Milk (1 liter)

$1.92 ₱121

$1.01 ¥160

90.10%

White Bread (500g)

$1.36 ₱85.4

$1.64 ¥260

-17.07%

Rice (white) (1kg)

$1.01 ₱63.5

$3.65 ¥577

-72.33%

Eggs

$2.03 ₱128

$1.60 ¥253

26.87%

Local Cheese (1kg)

$9.86 ₱621

$10.37 ¥1,638

-4.92%

Chicken Fillets (1kg)

$4.39 ₱277

$5.92 ¥935

-25.84%

Beef Round Steak (1kg)

$7.60 ₱479

$14.44 ¥2,282

-47.37%

Apples (1kg)

$3.30 ₱208

$5.69 ¥899

-42.00%

Banana (1kg)

$1.39 ₱87.8

$2.80 ¥443

-50.36%

Oranges (1kg)

$2.33 ₱147

$2.95 ¥467

-21.02%

Tomato (1kg)

$1.50 ₱94.3

$4.14 ¥654

-63.77%

Potato (1kg)

$2.36 ₱149

$2.63 ¥415

-10.27%

Onion (1kg)

$1.90 ₱119

$2.54 ¥401

-25.20%

Lettuce (1 head)

$1.19 ₱74.9

$1.24 ¥196

-4.03%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.65 ¥102

-3.08%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.86 ¥610

-22.28%

Wine (Bottle)

$6.03 ₱379

$6.19 ¥977

-2.58%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.76 ¥278

-30.11%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.11 ¥333

-17.06%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$50.8 ¥8,017

-75.09%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$3.21 ¥507

-76.01%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$2.74 ¥433

-91.61%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$20.75 ¥3,278

-78.51%

Gasoline (1 liter)

$1.31 ₱82.8

$1.10 ¥173

19.09%

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

$21.2K ₱1.3M

$21.0K ¥3.3M

1.32%

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

$19.1K ₱1.2M

$18.1K ¥2.9M

6.07%

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

$120 ₱7,569

$131 ¥20.7K

-8.11%

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

$14.00 ₱882

$8.51 ¥1,345

64.51%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$32.52 ¥5,137

-15.31%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$16.81 ¥2,655

-60.44%

Cinema Ticket

$5.65 ₱356

$12.81 ¥2,024

-55.89%

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

$275 ₱17.3K

$643 ¥101.5K

-57.16%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$14.9K ¥2.4M

-47.03%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$61.5 ¥9,712

-19.76%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$36.85 ¥5,822

-31.51%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$61.0 ¥9,639

26.14%

Men's Leather Business Shoes

$57.2 ₱3,601

$102 ¥16.1K

-43.94%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$7,748 ¥1.2M

-62.75%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$5,222 ¥825.0K

-63.30%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,580 ¥249.7K

-78.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.64

172.73%

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

Last update for Cebu: October 12, 2026

Last update for Hamamatsu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Hamamatsu

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Hamamatsu

$280 36.2% 36.2% $75

Monthly Utilities & Internet

Cebu

$162 17.6%

Hamamatsu

$172 22.2% 6.2% $10

Clothing & Footwear

Cebu

$94 10.2%

Hamamatsu

$118 15.2% 25.2% $24

Eating Out

Cebu

$88 9.6%

Hamamatsu

$112 14.5% 27.2% $24

Sport & Entertainment

Cebu

$44 4.8%

Hamamatsu

$26 * 3.3% 41.3% $18

Getting Around

Cebu

$16 1.7%

Hamamatsu

$68 * 8.7% 335% $52

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Hamamatsu pays 357% 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 $41.00 in Hamamatsu for a mid-range dinner for two. Groceries echo the gap at $206 vs $280 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇯🇵 Hamamatsu

🕒 Local time

16:25 4:25 PM

17:25 5:25 PM

1 h ahead of Cebu

🌤 Weather

👥 Population

964,169

797,033

💱 Currency

Philippine Peso PHP ₱

Japanese Yen JPY ¥

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

JPY, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Japanese Yen exchange rates as of October 19, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Hamamatsu 3,060 km ≈ 4 h 15 min nonstop flight

From you

Cebu
Hamamatsu

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 Hamamatsu: Cost of Living - Frequently Asked Questions

Hamamatsu is cheaper overall, especially in leisure and utilities. The 18% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 357% lower in Hamamatsu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

All in, you'll spend $918 per month in Cebu versus $775 in Hamamatsu – a 18% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hamamatsu runs roughly 302% 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 Hamamatsu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Hamamatsu 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 Hamamatsu 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 Hamamatsu gentler on the wallet – expenses run 18% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.