Last update: Nov 2026

Cost of Living Comparison Between Cebu and Homa Bay

For one person, living is cheaper in Homa Bay: $58.0 a month against $943 in Cebu, rent and utilities included – about $10,600 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

$943

/mo nomad

Homa Bay

🇰🇪 Kenya

$58.0

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Homa 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 Homa Bay actually costs, broken down by who's living it.

Monthly costs for one person with rent: $943 in Cebu versus $58 in Homa Bay.

Cebu $943
Homa Bay $58

Estimated couple costs with rent: $1,437 in Cebu versus $453 in Homa Bay.

Cebu $1,437
Homa Bay $453

Monthly costs for a family of three with rent: $1,930 in Cebu versus $848 in Homa Bay.

Cebu $1,930
Homa Bay $848

Living in Cebu is roughly 1526% more expensive than in Homa Bay, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 30% lower, Homa Bay 96% lower.

Meal at Budget Restaurant

$3.88 ₱244

Three-Course Dinner for Two, Mid-Range

$23.22 ₱1,462

$150 KES 19.5K

-84.52%

Fast Food Meal (McDonalds, etc)

$3.90 ₱246

$10.62 KES 1,379

-63.28%

Cappuccino

$2.56 ₱161

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

$1.60 ₱101

Water (0.33 liter bottle)

$0.51 ₱32.04

$0.99 KES 128

-48.48%

Local Beer (0.5 liter draught)

$1.76 ₱111

$2.45 KES 319

-28.16%

Imported Beer (0.33 liter bottle)

$2.15 ₱136

$4.97 KES 646

-56.74%

Milk (1 liter)

$1.99 ₱125

White Bread (500g)

$1.37 ₱86.3

Rice (white) (1kg)

$0.95 ₱59.9

Eggs

$2.02 ₱127

Local Cheese (1kg)

$9.63 ₱606

Chicken Fillets (1kg)

$4.35 ₱274

Beef Round Steak (1kg)

$7.70 ₱485

Apples (1kg)

$3.30 ₱208

Banana (1kg)

$1.27 ₱79.7

Oranges (1kg)

$2.34 ₱148

Tomato (1kg)

$1.51 ₱95.4

Potato (1kg)

$2.23 ₱141

Onion (1kg)

$1.93 ₱122

Lettuce (1 head)

$1.18 ₱74.4

Water (1.5 liter bottle)

$0.65 ₱40.94

Cigarettes 20 Pack (Marlboro, Camel)

$2.89 ₱182

Wine (Bottle)

$6.35 ₱400

Local Beer (0.5 liter bottle)

$1.27 ₱80.1

Imported Beer (0.33 liter bottle)

$1.64 ₱103

One-way Ticket (Public Transport)

$0.23 ₱14.42

Public Transport Monthly Pass (Regular Price)

$12.24 ₱771

Taxi Start (Normal Tariff)

$0.82 ₱51.6

Taxi (Normal Tariff) (1km)

$0.20 ₱12.57

Taxi 1hour Waiting (Normal Tariff)

$4.32 ₱272

Gasoline (1 liter)

$1.38 ₱86.7

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)

$19.3K ₱1.2M

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

$124 ₱7,818

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

$15.93 ₱1,003

Internet (50+ Mbps, Unlimited Data)

$28.07 ₱1,768

Gym Membership (Monthly)

$33.41 ₱2,104

Tennis Court (1 Hour on Weekend)

$6.40 ₱403

Cinema Ticket

$5.85 ₱369

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

$271 ₱17.0K

International Primary School, 1 Child (Yearly)

$8,060 ₱507.6K

Jeans (Levis 501 Or Similar)

$48.31 ₱3,043

Summer Dress (H&M, Zara, etc)

$24.56 ₱1,547

Sport Shoes (Adidas, Nike)

$77.1 ₱4,858

Men's Leather Business Shoes

$56.5 ₱3,559

1-bedroom Apartment, City Center (Monthly)

$495 ₱31.2K

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.3K

3-bedroom Apartment, City Center (Monthly)

$990 ₱62.4K

3-bedroom Apartment, Outside City Center (Monthly)

$628 ₱39.6K

Buy Apartment in City Center (m2)

$4,459 ₱280.8K

Buy Apartment Outside City Center (m2)

$3,030 ₱190.8K

Average Monthly Net Salary (After Tax)

$343 ₱21.6K

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: November 2, 2026

Last update for Homa Bay: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.1%

Homa Bay

–

Groceries & Markets

Cebu

$206 21.8%

Homa Bay

–

Monthly Utilities & Internet

Cebu

$168 17.8%

Homa Bay

–

Eating Out

Cebu

$95 10.1%

Homa Bay

–

Clothing & Footwear

Cebu

$93 9.9%

Homa Bay

–

Sport & Entertainment

Cebu

$45 4.8%

Homa Bay

–

Getting Around

Cebu

$15 1.6%

Homa Bay

–

Cost Breakdown

Dining out at a mid-range restaurant: $23 in Cebu vs $150 in Homa Bay for two.

Good to know

🇵🇭 Cebu

🇰🇪 Homa Bay

🕒 Local time

05:35 5:35 AM

00:35 12:35 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

44,949

💱 Currency

Philippine Peso PHP ₱

Kenyan Shilling KES Sh

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1,000 KES = 7.7 USD

1,000 KES = 6.89 EUR

Exchange rates and currency converter

KES, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of November 6, 2026: 1 USD = 62.98 PHP (100 PHP = 1.59 USD). 1 EUR = 70.38 PHP (100 PHP = 1.42 EUR).

Kenyan Shilling exchange rates as of November 6, 2026: 1 USD = 130 KES (1,000 KES = 7.7 USD). 1 EUR = 145 KES (1,000 KES = 6.89 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Homa Bay 9,960 km ≈ 13 h nonstop flight

From you

Cebu
Homa 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 Homa Bay: Cost of Living - Frequently Asked Questions

Homa Bay is about 94% cheaper overall, especially in eating out. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $1,415 in Cebu and $87 in Homa 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 Cebu – a meal for two runs $23 versus $150 in Homa Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $943 per month in Cebu versus $58 in Homa Bay – Homa Bay is about 94% cheaper, which adds up to real savings over time.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Cebu and Homa Bay are both considered safe, so it’s unlikely to be the deciding factor between them.