Last update: Oct 2026

Cost of Living Comparison Between Cebu and Henties Bay

For one person, living is cheaper in Henties Bay: $85.8 a month against $918 in Cebu, rent and utilities included – about $10,000 less a year. Rent and utilities account for about half of the difference.

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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

Henties Bay

🇳🇦 Namibia

$85.8

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Henties Bay

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

Monthly costs for one person with rent: $918 in Cebu versus $85.8 in Henties Bay.

Cebu $918
Henties Bay $85.8

Estimated couple costs with rent: $1,409 in Cebu versus $206 in Henties Bay.

Cebu $1,409
Henties Bay $206

Monthly costs for a family of three with rent: $1,900 in Cebu versus $326 in Henties Bay.

Cebu $1,900
Henties Bay $326

Living in Cebu is roughly 970% more expensive than in Henties Bay, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Henties Bay 94% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.00 NAD 49.47

3.00%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$32.79 NAD 540

-26.14%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$4.19 NAD 69.0

-6.44%

Cappuccino

$2.51 ₱158

$2.02 NAD 33.28

24.26%

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

$1.59 ₱100

$1.79 NAD 29.42

-11.17%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.41 NAD 23.30

-62.41%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.43 NAD 40.06

-26.75%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

Milk (1 liter)

$1.92 ₱121

White Bread (500g)

$1.36 ₱85.4

Rice (white) (1kg)

$1.01 ₱63.5

Eggs

$2.03 ₱128

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 ₱39.71

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

Wine (Bottle)

$6.03 ₱379

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 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.31 ₱82.8

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 ₱7,569

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

$14.00 ₱882

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

Gym Membership (Monthly)

$32.33 ₱2,035

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 ₱498.5K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

Men's Leather Business Shoes

$57.2 ₱3,601

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

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

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 Henties Bay: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Henties Bay

–

Groceries & Markets

Cebu

$206 22.4%

Henties Bay

–

Monthly Utilities & Internet

Cebu

$162 17.6%

Henties Bay

–

Clothing & Footwear

Cebu

$94 10.2%

Henties Bay

–

Eating Out

Cebu

$88 9.6%

Henties Bay

–

Sport & Entertainment

Cebu

$44 4.8%

Henties Bay

–

Getting Around

Cebu

$16 1.7%

Henties Bay

–

Cost Breakdown

Dining out at a mid-range restaurant: $24.00 in Cebu vs $33.00 in Henties Bay for two.

Good to know

🇵🇭 Cebu

🇳🇦 Henties Bay

🕒 Local time

23:02 11:02 PM

17:02 5:02 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

4,700

💱 Currency

Philippine Peso PHP ₱

Namibian Dollar NAD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 NAD = 6.07 USD

100 NAD = 5.4 EUR

Exchange rates and currency converter

NAD, 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).

Namibian Dollar exchange rates as of October 18, 2026: 1 USD = 16.48 NAD (100 NAD = 6.07 USD). 1 EUR = 18.52 NAD (100 NAD = 5.4 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Henties Bay 12,450 km ≈ 16 h nonstop flight

From you

Cebu
Henties Bay

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 Henties Bay: Cost of Living - Frequently Asked Questions

Henties Bay is cheaper overall, especially in groceries, clothing, and eating out. The 970% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $129 in Henties Bay to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Dining out is cheaper in Henties Bay – a meal for two runs $33.00 versus $24.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $918 per month in Cebu versus $85.8 in Henties Bay – a 970% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Henties Bay 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 Henties Bay 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 Henties Bay gentler on the wallet – expenses run 970% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.