Last update: Oct 2026

Cost of Living Comparison Between Cebu and Homagama

For one person, living is cheaper in Homagama: $487 a month against $918 in Cebu, rent and utilities included – about $5,200 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
24

Cost of Living Index in Homagama
Learn more

Homagama Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Homagama

🇱🇰 Sri Lanka

$487

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Homagama

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

Monthly costs for one person with rent: $918 in Cebu versus $487 in Homagama.

Cebu $918
Homagama $487

Estimated couple costs with rent: $1,409 in Cebu versus $744 in Homagama.

Cebu $1,409
Homagama $744

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,000 in Homagama.

Cebu $1,900
Homagama $1,000

Living in Cebu is roughly 88% more expensive than in Homagama, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 32% lower, Homagama 64% lower.

Meal at Budget Restaurant

$3.09 ₱194

$4.36 LKR 1,444

-29.13%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$24.11 LKR 7,985

0.46%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.76 LKR 2,572

-49.48%

Cappuccino

$2.51 ₱158

$2.42 LKR 801

3.72%

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

$1.59 ₱100

$0.71 LKR 236

123.94%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.25 LKR 82.1

112.00%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.27 LKR 752

-21.59%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.09 LKR 1,023

-29.77%

Milk (1 liter)

$1.92 ₱121

$0.88 LKR 291

118.18%

White Bread (500g)

$1.36 ₱85.4

$0.56 LKR 187

142.86%

Rice (white) (1kg)

$1.01 ₱63.5

$0.52 LKR 172

94.23%

Eggs

$2.03 ₱128

$1.60 LKR 530

26.87%

Local Cheese (1kg)

$9.86 ₱621

$13.94 LKR 4,619

-29.27%

Chicken Fillets (1kg)

$4.39 ₱277

$3.33 LKR 1,103

31.83%

Beef Round Steak (1kg)

$7.60 ₱479

$7.32 LKR 2,425

3.83%

Apples (1kg)

$3.30 ₱208

$6.65 LKR 2,202

-50.38%

Banana (1kg)

$1.39 ₱87.8

$0.78 LKR 259

78.21%

Oranges (1kg)

$2.33 ₱147

$4.44 LKR 1,470

-47.52%

Tomato (1kg)

$1.50 ₱94.3

$1.22 LKR 406

22.95%

Potato (1kg)

$2.36 ₱149

$1.02 LKR 339

131.37%

Onion (1kg)

$1.90 ₱119

$0.74 LKR 246

156.76%

Lettuce (1 head)

$1.19 ₱74.9

$0.93 LKR 307

27.96%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.44 LKR 145

43.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$10.15 LKR 3,363

-70.44%

Wine (Bottle)

$6.03 ₱379

$12.30 LKR 4,074

-50.98%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.83 LKR 606

-32.79%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.17 LKR 720

-19.35%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.47 LKR 154

-46.81%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.35 LKR 115

120.00%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.35 LKR 115

-34.29%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$0.87 LKR 288

412.64%

Gasoline (1 liter)

$1.31 ₱82.8

$1.13 LKR 375

15.93%

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

$21.2K ₱1.3M

$13.8K LKR 4.6M

53.49%

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

$19.1K ₱1.2M

$21.2K LKR 7.0M

-9.53%

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

$120 ₱7,569

$20.90 LKR 6,922

475.26%

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

$14.00 ₱882

$3.10 LKR 1,027

351.61%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$20.63 LKR 6,833

33.49%

Gym Membership (Monthly)

$32.33 ₱2,035

$7.48 LKR 2,477

332.22%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$4.46 LKR 1,478

26.68%

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

$275 ₱17.3K

$37.86 LKR 12.5K

627.18%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,189 LKR 393.8K

566.06%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$17.98 LKR 5,954

174.36%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$12.20 LKR 4,041

106.89%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$24.40 LKR 8,082

215.41%

Men's Leather Business Shoes

$57.2 ₱3,601

$27.53 LKR 9,117

107.77%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$136 LKR 45.1K

266.92%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$60.0 LKR 19.9K

415.13%

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

$150 LKR 49.6K

130.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

12.69

-43.26%

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

Last update for Cebu: October 12, 2026

Last update for Homagama: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Homagama

$60 12.3% 80.6% $249

Groceries & Markets

Cebu

$206 22.4%

Homagama

$217 44.5% 5.3% $11

Monthly Utilities & Internet

Cebu

$162 17.6%

Homagama

$45 9.2% 72.4% $117

Clothing & Footwear

Cebu

$94 10.2%

Homagama

$37 7.6% 60.7% $57

Eating Out

Cebu

$88 9.6%

Homagama

$109 22.3% 23% $20

Sport & Entertainment

Cebu

$44 4.8%

Homagama

$16 3.4% 62.4% $27

Getting Around

Cebu

$16 1.7%

Homagama

$4 * 0.8% 74.6% $12

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

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $136 in Homagama. Housing cost is often the main lever when comparing two cities.

Cebu pays 131% 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 $24.00 in Homagama for a mid-range dinner for two. Groceries echo the gap at $206 vs $217 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇱🇰 Homagama

🕒 Local time

18:16 6:16 PM

15:46 3:46 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

25,000

💱 Currency

Philippine Peso PHP ₱

Sri Lankan Rupee LKR Rs

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 LKR = 3.02 USD

1,000 LKR = 2.69 EUR

Exchange rates and currency converter

LKR, 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).

Sri Lankan Rupee exchange rates as of October 18, 2026: 1 USD = 331 LKR (1,000 LKR = 3.02 USD). 1 EUR = 372 LKR (1,000 LKR = 2.69 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Homagama 4,840 km ≈ 7 h nonstop flight

From you

Cebu
Homagama

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 Homagama: Cost of Living - Frequently Asked Questions

Homagama is cheaper overall, especially in clothing, leisure, and utilities. The 88% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 131% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $500 in Cebu versus $136 in Homagama. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Cebu pay roughly 5% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $918 per month in Cebu versus $487 in Homagama – a 88% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Homagama 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 Homagama 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 Homagama gentler on the wallet – expenses run 88% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.