Last update: Oct 2026

Cost of Living Comparison Between Cebu and Jammu

For one person, living is cheaper in Jammu: $355 a month against $934 in Cebu, rent and utilities included – about $6,900 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
17

Cost of Living Index in Jammu
Learn more

Jammu Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Jammu

🇮🇳 India

$355

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Jammu

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

Monthly costs for one person with rent: $934 in Cebu versus $355 in Jammu.

Cebu $934
Jammu $355

Estimated couple costs with rent: $1,415 in Cebu versus $570 in Jammu.

Cebu $1,415
Jammu $570

Monthly costs for a family of three with rent: $1,896 in Cebu versus $784 in Jammu.

Cebu $1,896
Jammu $784

Living in Cebu is roughly 163% more expensive than in Jammu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Jammu 73% lower.

Meal at Budget Restaurant

$3.03 ₱190

$3.55 ₹343

-14.65%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$11.32 ₹1,096

107.42%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$3.69 ₹357

10.84%

Cappuccino

$2.52 ₱158

$1.03 ₹99.5

144.66%

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

$1.54 ₱96.9

$0.30 ₹28.92

413.33%

Water (0.33 liter bottle)

$0.49 ₱30.98

$0.14 ₹13.69

250.00%

Local Beer (0.5 liter draught)

$1.79 ₱112

$1.54 ₹149

16.23%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$3.16 ₹305

-28.48%

Milk (1 liter)

$1.95 ₱122

$0.61 ₹59.4

219.67%

White Bread (500g)

$1.43 ₱89.7

$0.33 ₹32.37

333.33%

Rice (white) (1kg)

$1.02 ₱63.8

$0.87 ₹84.4

17.24%

Eggs

$2.06 ₱129

$0.93 ₹90.1

121.51%

Local Cheese (1kg)

$9.81 ₱615

$3.83 ₹371

156.14%

Chicken Fillets (1kg)

$4.61 ₱289

$1.54 ₹149

199.35%

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$3.31 ₱207

$1.10 ₹107

200.91%

Banana (1kg)

$1.45 ₱90.9

$0.90 ₹86.9

61.11%

Oranges (1kg)

$2.36 ₱148

$0.73 ₹70.6

223.29%

Tomato (1kg)

$1.54 ₱96.4

$0.51 ₹49.37

201.96%

Potato (1kg)

$2.36 ₱148

$0.31 ₹29.82

661.29%

Onion (1kg)

$1.99 ₱125

$0.54 ₹51.8

268.52%

Lettuce (1 head)

$1.15 ₱72.1

$0.57 ₹55.4

101.75%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.28 ₹26.93

139.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$4.12 ₹399

-27.18%

Wine (Bottle)

$6.35 ₱398

$8.00 ₹774

-20.63%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.32 ₹127

-0.76%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$3.12 ₹302

-44.55%

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

$2.83 ₹274

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.27 ₹26.39

-7.41%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$3.18 ₹307

297.80%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$1.54 ₹149

-51.95%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$0.25 ₹24.18

-16.00%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$1.79 ₹174

141.90%

Gasoline (1 liter)

$1.33 ₱83.5

$1.05 ₹102

26.67%

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

$21.8K ₱1.4M

$13.7K ₹1.3M

58.39%

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

$19.4K ₱1.2M

$21.9K ₹2.1M

-11.48%

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

$121 ₱7,563

$46.72 ₹4,521

158.09%

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

$14.45 ₱907

$3.13 ₹303

361.66%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$6.58 ₹636

329.94%

Gym Membership (Monthly)

$32.68 ₱2,050

$13.80 ₹1,336

136.81%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$6.42 ₹622

-0.47%

Cinema Ticket

$5.46 ₱342

$2.60 ₹252

110.00%

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

$273 ₱17.1K

$35.77 ₹3,462

664.36%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$1,075 ₹104.0K

658.93%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$25.26 ₹2,444

96.24%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$30.61 ₹2,963

-18.75%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$42.33 ₹4,096

80.94%

Men's Leather Business Shoes

$59.3 ₱3,717

$27.37 ₹2,649

116.51%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$94.9 ₹9,183

432.94%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$51.1 ₹4,950

505.03%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$244 ₹23.6K

331.14%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$159 ₹15.4K

289.41%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$948 ₹91.7K

207.55%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$507 ₹49.1K

268.00%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$493 ₹47.7K

-30.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

11.75

-38.72%

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

Last update for Cebu: October 5, 2026

Last update for Jammu: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Jammu

$51 14.8% 83.5% $258

Groceries & Markets

Cebu

$210 22.7%

Jammu

$89 25.6% 57.8% $122

Monthly Utilities & Internet

Cebu

$163 17.7%

Jammu

$56 16.3% 65.5% $107

Clothing & Footwear

Cebu

$95 10.2%

Jammu

$57 16.3% 40.3% $38

Eating Out

Cebu

$88 9.6%

Jammu

$68 19.5% 23.6% $21

Sport & Entertainment

Cebu

$44 4.7%

Jammu

$19 5.5% 56.4% $25

Getting Around

Cebu

$15 1.7%

Jammu

$7.1 2% 54.3% $8.4

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $94.9 in Jammu. Housing cost is often the main lever when comparing two cities.

Jammu pays 44% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Cebu vs $11.00 in Jammu for a mid-range dinner for two. Groceries echo the gap at $210 vs $89.0 per month, with Jammu cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Jammu

🕒 Local time

14:13 2:13 PM

11:43 11:43 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

502,197

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1,000 INR = 10.33 USD

1,000 INR = 9.21 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 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Jammu 5,590 km ≈ 7 h nonstop flight

From you

Cebu
Jammu

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 Jammu: Cost of Living - Frequently Asked Questions

Jammu is cheaper overall, especially in groceries, clothing, and eating out. The 163% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 44% lower in Jammu. 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 $94.9 in Jammu. 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 $355 in Jammu – a 163% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Jammu runs roughly 298% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

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

For families, Jammu 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 Jammu 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 Jammu gentler on the wallet – expenses run 163% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.