Last update: Oct 2026

Cost of Living Comparison Between Cebu and Havirov

For one person, living is cheaper in Cebu: $918 a month against $1,211 in Havirov, rent and utilities included – about $3,500 less a year. Other living expenses account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
59

Cost of Living Index in Havirov
Learn more

Havirov Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Havirov

🇨🇿 Czech Republic

$1,211

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Havirov

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

Monthly costs for one person with rent: $918 in Cebu versus $1,211 in Havirov.

Cebu $918
Havirov $1,211

Estimated couple costs with rent: $1,409 in Cebu versus $1,834 in Havirov.

Cebu $1,409
Havirov $1,834

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,456 in Havirov.

Cebu $1,900
Havirov $2,456

Living in Cebu costs roughly 24% less than in Havirov, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Havirov 10% lower.

Meal at Budget Restaurant

$3.09 ₱194

$8.04 Kč 174

-61.57%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$46.21 Kč 999

-47.59%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.02 Kč 173

-51.12%

Cappuccino

$2.51 ₱158

$2.73 Kč 59.1

-8.06%

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

$1.59 ₱100

$1.91 Kč 41.23

-16.75%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.39 Kč 30.07

-61.87%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.36 Kč 51.0

-24.58%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.08 Kč 45.07

4.33%

Milk (1 liter)

$1.92 ₱121

$1.08 Kč 23.25

77.78%

White Bread (500g)

$1.36 ₱85.4

$1.52 Kč 32.90

-10.53%

Rice (white) (1kg)

$1.01 ₱63.5

$2.56 Kč 55.3

-60.55%

Eggs

$2.03 ₱128

$3.16 Kč 68.4

-35.76%

Local Cheese (1kg)

$9.86 ₱621

$11.65 Kč 252

-15.36%

Chicken Fillets (1kg)

$4.39 ₱277

$8.33 Kč 180

-47.30%

Beef Round Steak (1kg)

$7.60 ₱479

$13.25 Kč 286

-42.64%

Apples (1kg)

$3.30 ₱208

$1.65 Kč 35.69

100.00%

Banana (1kg)

$1.39 ₱87.8

$1.74 Kč 37.65

-20.11%

Oranges (1kg)

$2.33 ₱147

$2.22 Kč 48.01

4.95%

Tomato (1kg)

$1.50 ₱94.3

$3.82 Kč 82.6

-60.73%

Potato (1kg)

$2.36 ₱149

$0.95 Kč 20.47

148.42%

Onion (1kg)

$1.90 ₱119

$0.90 Kč 19.49

111.11%

Lettuce (1 head)

$1.19 ₱74.9

$1.59 Kč 34.36

-25.16%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.73 Kč 15.81

-13.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$7.80 Kč 169

-61.54%

Wine (Bottle)

$6.03 ₱379

$6.27 Kč 136

-3.83%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.97 Kč 20.90

26.80%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.89 Kč 40.86

-7.41%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.11 Kč 23.98

-77.48%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$24.79 Kč 536

-49.01%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.22 Kč 48.08

-65.32%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.31 Kč 28.43

-82.44%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$13.88 Kč 300

-67.87%

Gasoline (1 liter)

$1.31 ₱82.8

$1.73 Kč 37.39

-24.28%

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

$21.2K ₱1.3M

$31.2K Kč 674.6K

-31.90%

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

$19.1K ₱1.2M

$29.9K Kč 646.1K

-35.92%

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

$120 ₱7,569

$278 Kč 6,016

-56.78%

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

$14.00 ₱882

$24.81 Kč 536

-43.57%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$18.03 Kč 390

52.75%

Gym Membership (Monthly)

$32.33 ₱2,035

$29.67 Kč 642

8.97%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$17.39 Kč 376

-61.76%

Cinema Ticket

$5.65 ₱356

$8.88 Kč 192

-36.37%

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

$275 ₱17.3K

$309 Kč 6,679

-10.86%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$9,457 Kč 204.5K

-16.27%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$76.1 Kč 1,647

-35.21%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$36.65 Kč 793

-31.13%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$96.2 Kč 2,081

-20.01%

Men's Leather Business Shoes

$57.2 ₱3,601

$104 Kč 2,247

-44.95%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$302 Kč 6,521

65.66%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$261 Kč 5,637

18.47%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$582 Kč 12.6K

85.11%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$486 Kč 10.5K

26.72%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,025 Kč 43.8K

42.54%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,524 Kč 33.0K

25.76%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,135 Kč 24.5K

-69.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.06

42.29%

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

Last update for Cebu: October 12, 2026

Last update for Havirov: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Havirov

$261 21.5% 15.6% $48

Groceries & Markets

Cebu

$206 22.4%

Havirov

$253 20.9% 22.8% $47

Monthly Utilities & Internet

Cebu

$162 17.6%

Havirov

$321 26.5% 98.4% $159

Clothing & Footwear

Cebu

$94 10.2%

Havirov

$141 11.6% 49.9% $47

Eating Out

Cebu

$88 9.6%

Havirov

$150 12.4% 70.3% $62

Sport & Entertainment

Cebu

$44 4.8%

Havirov

$47 3.9% 8.7% $3.8

Getting Around

Cebu

$16 1.7%

Havirov

$38 3.1% 144% $22

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $302 in Havirov. Housing cost is often the main lever when comparing two cities.

Havirov pays 228% 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 $46.00 in Havirov for a mid-range dinner for two. Groceries echo the gap at $206 vs $253 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇨🇿 Havirov

🕒 Local time

00:53 12:53 AM

18:53 6:53 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

80,549

💱 Currency

Philippine Peso PHP ₱

Czech Koruna CZK Kč

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

Exchange rates and currency converter

CZK, 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).

Czech Koruna exchange rates as of October 18, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Havirov 10,220 km ≈ 13 h nonstop flight

From you

Cebu
Havirov

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 Havirov: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 32% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 228% lower in Havirov. 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 $302 in Havirov. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $1,211 in Havirov – a 32% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 96% less than in Havirov. Both cities have functional networks, but the price difference matters if you're watching your budget.

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 Havirov, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Havirov 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 32% less than in Havirov. Beyond cost, consider language, visa policies, and how big the international community is in each city.