Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ipswich

For one person, living is cheaper in Cebu: $918 a month against $2,037 in Ipswich, rent and utilities included – about $13,400 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
108

Cost of Living Index in Ipswich
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Ipswich Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Ipswich

🇦🇺 Australia

$2,037

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ipswich

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

Monthly costs for one person with rent: $918 in Cebu versus $2,037 in Ipswich.

Cebu $918
Ipswich $2,037

Estimated couple costs with rent: $1,409 in Cebu versus $2,901 in Ipswich.

Cebu $1,409
Ipswich $2,901

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,766 in Ipswich.

Cebu $1,900
Ipswich $3,766

Living in Cebu costs roughly 55% less than in Ipswich, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Ipswich is 51% above.

Meal at Budget Restaurant

$3.09 ₱194

$31.50 A$45.33

-90.19%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$74.1 A$107

-67.32%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.98 A$14.36

-60.72%

Cappuccino

$2.51 ₱158

$4.54 A$6.53

-44.71%

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

$1.59 ₱100

$3.92 A$5.64

-59.44%

Water (0.33 liter bottle)

$0.53 ₱33.43

$2.50 A$3.60

-78.80%

Local Beer (0.5 liter draught)

$1.78 ₱112

$9.04 A$13.01

-80.31%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$7.61 A$10.94

-71.48%

Milk (1 liter)

$1.92 ₱121

$2.42 A$3.48

-20.66%

White Bread (500g)

$1.36 ₱85.4

$2.37 A$3.41

-42.62%

Rice (white) (1kg)

$1.01 ₱63.5

$2.22 A$3.19

-54.50%

Eggs

$2.03 ₱128

$7.14 A$10.27

-71.57%

Local Cheese (1kg)

$9.86 ₱621

$7.32 A$10.53

34.70%

Chicken Fillets (1kg)

$4.39 ₱277

$8.24 A$11.86

-46.72%

Beef Round Steak (1kg)

$7.60 ₱479

$14.05 A$20.22

-45.91%

Apples (1kg)

$3.30 ₱208

$3.37 A$4.86

-2.08%

Banana (1kg)

$1.39 ₱87.8

$2.57 A$3.70

-45.91%

Oranges (1kg)

$2.33 ₱147

$2.85 A$4.10

-18.25%

Tomato (1kg)

$1.50 ₱94.3

$3.76 A$5.41

-60.11%

Potato (1kg)

$2.36 ₱149

$1.99 A$2.87

18.59%

Onion (1kg)

$1.90 ₱119

$2.05 A$2.95

-7.32%

Lettuce (1 head)

$1.19 ₱74.9

$2.46 A$3.54

-51.63%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.78 A$2.56

-64.61%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$44.60 A$64.2

-93.27%

Wine (Bottle)

$6.03 ₱379

$22.31 A$32.11

-72.97%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$6.21 A$8.93

-80.19%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$7.15 A$10.28

-75.52%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.36 A$0.52

-30.56%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.18 A$3.14

-64.68%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.56 A$2.25

-85.26%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$36.12 A$52.0

-87.65%

Gasoline (1 liter)

$1.31 ₱82.8

$1.47 A$2.11

-10.88%

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

$90.9 A$131

32.32%

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

$14.00 ₱882

$30.70 A$44.18

-54.40%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$63.2 A$90.9

-56.41%

Gym Membership (Monthly)

$32.33 ₱2,035

$17.21 A$24.76

87.86%

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

$1,026 A$1,476

-51.31%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$1,016 A$1,463

-69.62%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,416 A$2,038

-23.91%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,402 A$2,018

-56.12%

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

$4,146 A$5,966

-91.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.98

20.40%

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

Last update for Cebu: October 12, 2026

Last update for Ipswich: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Ipswich

$1K 49.9% 229% $708

Groceries & Markets

Cebu

$206 22.4%

Ipswich

$384 18.9% 86.7% $178

Monthly Utilities & Internet

Cebu

$162 17.6%

Ipswich

$185 9.1% 14.2% $23

Clothing & Footwear

Cebu

$94 10.2%

Ipswich

- * 0% 100%

Eating Out

Cebu

$88 9.6%

Ipswich

$423 20.8% 379% $334

Sport & Entertainment

Cebu

$44 4.8%

Ipswich

$17 * 0.9% 60.5% $26

Getting Around

Cebu

$16 1.7%

Ipswich

$11 * 0.6% 26.5% $4.1

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 $1,026 in Ipswich. Housing cost is often the main lever when comparing two cities.

Ipswich pays 1098% 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 $74.0 in Ipswich for a mid-range dinner for two. Groceries echo the gap at $206 vs $384 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇦🇺 Ipswich

🕒 Local time

02:50 2:50 AM

04:50 4:50 AM

2 h ahead of Cebu

🌤 Weather

👥 Population

964,169

229,208

💱 Currency

Philippine Peso PHP ₱

Australian Dollar AUD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

Exchange rates and currency converter

AUD, 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).

Australian Dollar exchange rates as of October 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Ipswich 5,240 km ≈ 7 h nonstop flight

From you

Cebu
Ipswich

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 Ipswich: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and utilities. The 122% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1098% lower in Ipswich. 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 $1,026 in Ipswich. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 87% higher in Ipswich. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cebu – a meal for two runs $24.00 versus $74.0 in Ipswich. If you eat out regularly, this makes a real dent in your monthly spending.

At $918 in Cebu versus $2,037 in Ipswich, a $1,500 budget is realistic in Cebu but tight or insufficient in Ipswich. 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 Ipswich, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Ipswich 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 122% less than in Ipswich. Beyond cost, consider language, visa policies, and how big the international community is in each city.