Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kaduna

For one person, living is cheaper in Kaduna: $314 a month against $934 in Cebu, rent and utilities included – about $7,400 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
15

Cost of Living Index in Kaduna
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Kaduna Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Kaduna

🇳🇬 Nigeria

$314

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kaduna

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

Monthly costs for one person with rent: $934 in Cebu versus $314 in Kaduna.

Cebu $934
Kaduna $314

Estimated couple costs with rent: $1,423 in Cebu versus $553 in Kaduna.

Cebu $1,423
Kaduna $553

Monthly costs for a family of three with rent: $1,913 in Cebu versus $792 in Kaduna.

Cebu $1,913
Kaduna $792

Living in Cebu is roughly 198% more expensive than in Kaduna, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 31% lower, Kaduna 77% lower.

Meal at Budget Restaurant

$3.79 ₱242

$1.14 ₦1,533

232.46%

Three-Course Dinner for Two, Mid-Range

$23.33 ₱1,491

$18.78 ₦25.2K

24.23%

Fast Food Meal (McDonalds, etc)

$3.94 ₱252

$1.82 ₦2,435

116.48%

Cappuccino

$2.54 ₱163

$3.42 ₦4,587

-25.73%

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

$1.57 ₱100

$0.21 ₦283

647.62%

Water (0.33 liter bottle)

$0.47 ₱29.82

$0.06 ₦83.7

683.33%

Local Beer (0.5 liter draught)

$1.77 ₱113

$0.44 ₦587

302.27%

Imported Beer (0.33 liter bottle)

$2.22 ₱142

$0.71 ₦957

212.68%

Milk (1 liter)

$1.90 ₱121

$1.53 ₦2,052

24.18%

White Bread (500g)

$1.36 ₱87.1

$0.49 ₦660

177.55%

Rice (white) (1kg)

$0.94 ₱59.8

$0.70 ₦932

34.29%

Eggs

$1.99 ₱127

$1.29 ₦1,724

54.26%

Local Cheese (1kg)

$9.70 ₱620

$0.72 ₦959

1247.22%

Chicken Fillets (1kg)

$4.32 ₱276

$5.33 ₦7,150

-18.95%

Beef Round Steak (1kg)

$7.51 ₱480

$1.76 ₦2,353

326.70%

Apples (1kg)

$3.31 ₱211

$1.99 ₦2,666

66.33%

Banana (1kg)

$1.37 ₱87.5

$1.10 ₦1,475

24.55%

Oranges (1kg)

$2.34 ₱149

$0.38 ₦513

515.79%

Tomato (1kg)

$1.49 ₱95.4

$0.59 ₦784

152.54%

Potato (1kg)

$2.30 ₱147

$0.78 ₦1,046

194.87%

Onion (1kg)

$1.87 ₱120

$0.77 ₦1,036

142.86%

Lettuce (1 head)

$1.10 ₱70.3

$0.15 ₦205

633.33%

Water (1.5 liter bottle)

$0.63 ₱40.36

$0.11 ₦149

472.73%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱183

$1.97 ₦2,641

45.18%

Wine (Bottle)

$6.08 ₱389

$1.84 ₦2,463

230.43%

Local Beer (0.5 liter bottle)

$1.27 ₱81.4

$1.23 ₦1,643

3.25%

Imported Beer (0.33 liter bottle)

$1.72 ₱110

$1.87 ₦2,501

-8.02%

One-way Ticket (Public Transport)

$0.22 ₱13.99

Public Transport Monthly Pass (Regular Price)

$12.34 ₱788

Taxi Start (Normal Tariff)

$0.74 ₱47.53

$0.57 ₦770

29.82%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.08

$0.85 ₦1,145

-74.12%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₱273

$1.84 ₦2,471

132.61%

Gasoline (1 liter)

$1.31 ₱83.7

$0.58 ₦781

125.86%

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

$20.8K ₱1.3M

$26.0K ₦34.8M

-20.06%

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

$19.0K ₱1.2M

$36.9K ₦49.5M

-48.43%

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

$118 ₱7,565

$7.38 ₦9,892

1504.47%

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

$15.76 ₱1,007

$3.74 ₦5,014

321.39%

Internet (50+ Mbps, Unlimited Data)

$28.33 ₱1,810

$18.71 ₦25.1K

51.42%

Gym Membership (Monthly)

$32.94 ₱2,105

Tennis Court (1 Hour on Weekend)

$6.49 ₱415

Cinema Ticket

$5.45 ₱348

$6.49 ₦8,697

-16.02%

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

$276 ₱17.6K

$44.90 ₦60.2K

514.12%

International Primary School, 1 Child (Yearly)

$7,789 ₱497.7K

$3,124 ₦4.2M

149.36%

Jeans (Levis 501 Or Similar)

$48.18 ₱3,078

$5.93 ₦7,952

712.48%

Summer Dress (H&M, Zara, etc)

$24.47 ₱1,564

$11.08 ₦14.9K

120.85%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,810

$11.37 ₦15.2K

562.09%

Men's Leather Business Shoes

$58.0 ₱3,707

$11.21 ₦15.0K

417.57%

1-bedroom Apartment, City Center (Monthly)

$477 ₱30.5K

$130 ₦174.2K

267.29%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.6K

$85.1 ₦114.0K

278.25%

3-bedroom Apartment, City Center (Monthly)

$963 ₱61.5K

$426 ₦571.2K

126.01%

3-bedroom Apartment, Outside City Center (Monthly)

$626 ₱40.0K

$228 ₦305.5K

174.56%

Buy Apartment in City Center (m2)

$4,551 ₱290.8K

Buy Apartment Outside City Center (m2)

$3,028 ₱193.5K

Average Monthly Net Salary (After Tax)

$333 ₱21.3K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

22.5

-68.00%

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

Last update for Cebu: October 26, 2026

Last update for Kaduna: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.5%

Kaduna

$85 27.1% 73.6% $237

Groceries & Markets

Cebu

$204 21.8%

Kaduna

$103 32.7% 49.6% $101

Monthly Utilities & Internet

Cebu

$163 17.4%

Kaduna

$30 9.5% 81.6% $133

Eating Out

Cebu

$94 10.1%

Kaduna

$60 19.3% 35.8% $34

Clothing & Footwear

Cebu

$93 9.9%

Kaduna

$18 5.7% 80.8% $75

Sport & Entertainment

Cebu

$44 4.7%

Kaduna

$13 * 4.1% 70.4% $31

Getting Around

Cebu

$15 1.6%

Kaduna

$4.9 * 1.6% 67.8% $10

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 $477 in Cebu and $130 in Kaduna. Housing cost is often the main lever when comparing two cities.

Dining out: $23 in Cebu vs $19 in Kaduna for a mid-range dinner for two. Groceries echo the gap at $204 vs $103 per month, with Kaduna cheaper across the board.

Good to know

🇵🇭 Cebu

🇳🇬 Kaduna

🕒 Local time

22:49 10:49 PM

15:49 3:49 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

760,084

💱 Currency

Philippine Peso PHP ₱

Nigerian Naira NGN ₦

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

10,000 NGN = 7.46 USD

10,000 NGN = 6.7 EUR

Exchange rates and currency converter

NGN, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 28, 2026: 1 USD = 63.89 PHP (100 PHP = 1.57 USD). 1 EUR = 71.11 PHP (100 PHP = 1.41 EUR).

Nigerian Naira exchange rates as of October 28, 2026: 1 USD = 1,340 NGN (10,000 NGN = 7.46 USD). 1 EUR = 1,492 NGN (10,000 NGN = 6.7 EUR).

USD to PHP in detail →

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Between locations

Cebu Kaduna 12,620 km ≈ 16 h nonstop flight

From you

Cebu
Kaduna

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 Kaduna: Cost of Living - Frequently Asked Questions

Kaduna is cheaper overall, especially in groceries, clothing, and eating out. The 198% gap adds up to real monthly savings that compound significantly over time.

You’d need roughly $1,401 in Cebu and $470 in Kaduna 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.

Rent for a central apartment: $477 in Cebu versus $130 in Kaduna. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 98% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $934 per month in Cebu versus $314 in Kaduna – a 198% gap that adds up to real savings over time for anyone picking the cheaper option.

At $314 in Kaduna versus $934 in Cebu, a $800 budget is realistic in Kaduna but tight or insufficient in Cebu. The gap between the two cities makes Kaduna the clear choice for anyone on this budget.

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.