Last update: Oct 2026

Cost of Living Comparison Between Cebu and Hubli

For one person, living is cheaper in Hubli: $379 a month against $918 in Cebu, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
19

Cost of Living Index in Hubli
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Hubli Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Hubli

🇮🇳 India

$379

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Hubli

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

Monthly costs for one person with rent: $918 in Cebu versus $379 in Hubli.

Cebu $918
Hubli $379

Estimated couple costs with rent: $1,409 in Cebu versus $614 in Hubli.

Cebu $1,409
Hubli $614

Monthly costs for a family of three with rent: $1,900 in Cebu versus $850 in Hubli.

Cebu $1,900
Hubli $850

Living in Cebu is roughly 142% more expensive than in Hubli, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Hubli 72% lower.

Meal at Budget Restaurant

$3.09 ₱194

$4.82 ₹458

-35.89%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$15.07 ₹1,431

60.72%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.01 ₹286

30.23%

Cappuccino

$2.51 ₱158

$1.56 ₹148

60.90%

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

$1.59 ₱100

$0.37 ₹34.97

329.73%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.09 ₹8.27

488.89%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.83 ₹174

-2.73%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.92 ₹277

-25.68%

Milk (1 liter)

$1.92 ₱121

$0.57 ₹53.8

236.84%

White Bread (500g)

$1.36 ₱85.4

$0.40 ₹38.11

240.00%

Rice (white) (1kg)

$1.01 ₱63.5

$0.77 ₹73.2

31.17%

Eggs

$2.03 ₱128

$0.85 ₹81.0

138.82%

Local Cheese (1kg)

$9.86 ₱621

$7.44 ₹707

32.53%

Chicken Fillets (1kg)

$4.39 ₱277

$4.05 ₹385

8.40%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$2.15 ₹204

53.49%

Banana (1kg)

$1.39 ₱87.8

$0.52 ₹48.92

167.31%

Oranges (1kg)

$2.33 ₱147

$1.30 ₹124

79.23%

Tomato (1kg)

$1.50 ₱94.3

$0.23 ₹21.91

552.17%

Potato (1kg)

$2.36 ₱149

$0.34 ₹32.03

594.12%

Onion (1kg)

$1.90 ₱119

$0.35 ₹33.44

442.86%

Lettuce (1 head)

$1.19 ₱74.9

$0.62 ₹58.5

91.94%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.27 ₹25.51

133.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.03 ₹478

-40.36%

Wine (Bottle)

$6.03 ₱379

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.79 ₹170

-31.28%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.03 ₹193

-13.79%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.79 ₹455

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.27 ₹25.92

-7.41%

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

$0.75 ₹71.0

494.67%

Gasoline (1 liter)

$1.31 ₱82.8

$1.07 ₹101

22.43%

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

$34.26 ₹3,253

250.93%

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

$14.00 ₱882

$3.06 ₹290

357.52%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$9.89 ₹939

178.46%

Gym Membership (Monthly)

$32.33 ₱2,035

$26.01 ₹2,470

24.30%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$2.12 ₹201

213.68%

Cinema Ticket

$5.65 ₱356

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

$275 ₱17.3K

$52.1 ₹4,945

428.73%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$699 ₹66.4K

1032.93%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$12.56 ₹1,192

292.75%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$20.70 ₹1,965

21.93%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$31.23 ₹2,965

146.43%

Men's Leather Business Shoes

$57.2 ₱3,601

$31.03 ₹2,947

84.34%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$110 ₹10.5K

353.82%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$79.2 ₹7,524

289.78%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$234 ₹22.3K

359.73%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$178 ₹16.9K

245.57%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$478 ₹45.4K

503.55%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$258 ₹24.5K

643.72%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$415 ₹39.4K

-16.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.75

-7.10%

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

Last update for Cebu: October 12, 2026

Last update for Hubli: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Hubli

$79 20.9% 74.3% $230

Groceries & Markets

Cebu

$206 22.4%

Hubli

$99 * 26.2% 51.7% $106

Monthly Utilities & Internet

Cebu

$162 17.6%

Hubli

$47 12.5% 70.8% $115

Clothing & Footwear

Cebu

$94 10.2%

Hubli

$43 11.3% 54.2% $51

Eating Out

Cebu

$88 9.6%

Hubli

$83 21.9% 5.8% $5.2

Sport & Entertainment

Cebu

$44 4.8%

Hubli

$26 * 6.9% 40.4% $18

Getting Around

Cebu

$16 1.7%

Hubli

$1.1 * 0.3% 93% $14

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 $110 in Hubli. Housing cost is often the main lever when comparing two cities.

Hubli pays 20% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $24.00 in Cebu vs $15.00 in Hubli for a mid-range dinner for two. Groceries echo the gap at $206 vs $99.0 per month, with Hubli cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Hubli

🕒 Local time

01:55 1:55 AM

23:25 11:25 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

500,000

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Hubli 5,310 km ≈ 7 h nonstop flight

From you

Cebu
Hubli

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 Hubli: Cost of Living - Frequently Asked Questions

Hubli is cheaper overall, especially in groceries, clothing, and eating out. The 142% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 20% lower in Hubli. 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 $110 in Hubli. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 107% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $379 in Hubli – a 142% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Hubli 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 Hubli 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 Hubli gentler on the wallet – expenses run 142% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.