Last update: Oct 2026

Cost of Living Comparison Between Cebu and Hertfordshire

For one person, living is cheaper in Cebu: $934 a month against $2,541 in Hertfordshire, rent and utilities included – about $19,300 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
122

Cost of Living Index in Hertfordshire
Learn more

Hertfordshire Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Hertfordshire

🇬🇧 United Kingdom

$2,541

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Hertfordshire

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

Monthly costs for one person with rent: $934 in Cebu versus $2,541 in Hertfordshire.

Cebu $934
Hertfordshire $2,541

Estimated couple costs with rent: $1,415 in Cebu versus $3,780 in Hertfordshire.

Cebu $1,415
Hertfordshire $3,780

Monthly costs for a family of three with rent: $1,896 in Cebu versus $5,020 in Hertfordshire.

Cebu $1,896
Hertfordshire $5,020

Living in Cebu costs roughly 63% less than in Hertfordshire, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 30% below, Hertfordshire is 90% above.

Meal at Budget Restaurant

$3.03 ₱190

$26.32 £19.88

-88.49%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,474

$79.8 £60.2

-70.56%

Fast Food Meal (McDonalds, etc)

$4.09 ₱257

$10.61 £8.01

-61.45%

Cappuccino

$2.52 ₱158

$4.94 £3.73

-48.99%

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

$1.54 ₱97.0

$2.37 £1.79

-35.02%

Water (0.33 liter bottle)

$0.49 ₱31.01

$2.00 £1.51

-75.50%

Local Beer (0.5 liter draught)

$1.79 ₱112

$5.56 £4.20

-67.81%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$5.38 £4.06

-57.99%

Milk (1 liter)

$1.95 ₱122

$1.52 £1.15

28.29%

White Bread (500g)

$1.43 ₱89.8

$1.83 £1.39

-21.86%

Rice (white) (1kg)

$1.02 ₱63.9

$2.66 £2.01

-61.65%

Eggs

$2.06 ₱129

$3.59 £2.71

-42.62%

Local Cheese (1kg)

$9.81 ₱616

$7.96 £6.01

23.24%

Chicken Fillets (1kg)

$4.61 ₱290

$7.27 £5.49

-36.59%

Beef Round Steak (1kg)

$7.70 ₱484

$16.30 £12.31

-52.76%

Apples (1kg)

$3.31 ₱208

$3.32 £2.50

-0.30%

Banana (1kg)

$1.45 ₱91.0

$1.54 £1.16

-5.84%

Oranges (1kg)

$2.36 ₱148

$3.02 £2.28

-21.85%

Tomato (1kg)

$1.54 ₱96.5

$3.49 £2.63

-55.87%

Potato (1kg)

$2.36 ₱148

$1.16 £0.88

103.45%

Onion (1kg)

$1.99 ₱125

$1.74 £1.32

14.37%

Lettuce (1 head)

$1.15 ₱72.2

$1.24 £0.93

-7.26%

Water (1.5 liter bottle)

$0.67 ₱42.20

$1.58 £1.19

-57.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$21.24 £16.05

-85.88%

Wine (Bottle)

$6.35 ₱399

$9.89 £7.47

-35.79%

Local Beer (0.5 liter bottle)

$1.31 ₱82.0

$2.00 £1.51

-34.50%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.04 £1.54

-15.20%

One-way Ticket (Public Transport)

$0.25 ₱15.80

$3.53 £2.67

-92.92%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱794

$87.2 £65.8

-85.48%

Taxi Start (Normal Tariff)

$0.74 ₱46.37

$4.07 £3.07

-81.82%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.13

$3.90 £2.95

-94.62%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$31.65 £23.90

-86.32%

Gasoline (1 liter)

$1.33 ₱83.6

$1.98 £1.50

-32.83%

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

$21.8K ₱1.4M

$37.8K £28.5K

-42.42%

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

$19.4K ₱1.2M

$40.6K £30.7K

-52.20%

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

$121 ₱7,572

$161 £121

-25.01%

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

$14.45 ₱908

$17.68 £13.35

-18.27%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,776

$44.41 £33.54

-36.30%

Gym Membership (Monthly)

$32.68 ₱2,052

$46.26 £34.95

-29.36%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱343

$13.32 £10.06

-59.01%

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

$273 ₱17.2K

$1,565 £1,182

-82.53%

International Primary School, 1 Child (Yearly)

$8,156 ₱512.2K

$20.2K £15.3K

-59.65%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,113

$46.38 £35.03

6.88%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,562

$39.51 £29.84

-37.05%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,810

$73.3 £55.4

4.43%

Men's Leather Business Shoes

$59.3 ₱3,721

$110 £82.9

-45.98%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.8K

$1,752 £1,323

-71.14%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$1,334 £1,008

-76.81%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$2,862 £2,162

-63.26%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.9K

$2,352 £1,776

-73.68%

Buy Apartment in City Center (m2)

$2,915 ₱183.1K

$4,907 £3,706

-40.58%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.3K

$3,922 £2,963

-52.40%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$3,204 £2,420

-89.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.21

38.20%

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

Last update for Cebu: October 5, 2026

Last update for Hertfordshire: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Hertfordshire

$1.3K 52.9% 331% $1K

Groceries & Markets

Cebu

$210 22.7%

Hertfordshire

$288 11.4% 36.7% $77

Monthly Utilities & Internet

Cebu

$163 17.7%

Hertfordshire

$223 8.8% 36.5% $60

Clothing & Footwear

Cebu

$95 10.2%

Hertfordshire

$121 4.8% 27.9% $26

Eating Out

Cebu

$88 9.6%

Hertfordshire

$358 14.2% 305% $269

Sport & Entertainment

Cebu

$44 4.7%

Hertfordshire

$73 2.9% 67.2% $29

Getting Around

Cebu

$15 1.7%

Hertfordshire

$125 5% 709% $109

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $1,752 in Hertfordshire. Housing cost is often the main lever when comparing two cities.

Hertfordshire pays 839% 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: $23.00 in Cebu vs $80.0 in Hertfordshire for a mid-range dinner for two. Groceries echo the gap at $210 vs $288 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇬🇧 Hertfordshire

🕒 Local time

03:11 3:11 AM

20:11 8:11 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

33,990

💱 Currency

Philippine Peso PHP ₱

British Pound GBP £

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

Exchange rates and currency converter

GBP, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 12, 2026: 1 USD = 62.8 PHP (100 PHP = 1.59 USD). 1 EUR = 70.38 PHP (100 PHP = 1.42 EUR).

British Pound exchange rates as of October 12, 2026: 1 USD = 0.755 GBP (1 GBP = 1.32 USD). 1 EUR = 0.846 GBP (1 GBP = 1.18 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Hertfordshire 11,290 km ≈ 15 h nonstop flight

From you

Cebu
Hertfordshire

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 Hertfordshire: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 172% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 839% lower in Hertfordshire. 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: $506 in Cebu versus $1,752 in Hertfordshire. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $2,541 in Hertfordshire – a 172% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 589% less than in Hertfordshire. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,541 in Hertfordshire, a $1,500 budget is realistic in Cebu but tight or insufficient in Hertfordshire. 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 Hertfordshire, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Hertfordshire 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 172% less than in Hertfordshire. Beyond cost, consider language, visa policies, and how big the international community is in each city.