Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kalyan

For one person, living is cheaper in Kalyan: $414 a month against $918 in Cebu, rent and utilities included – about $6,000 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
20

Cost of Living Index in Kalyan
Learn more

Kalyan Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Kalyan

🇮🇳 India

$414

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kalyan

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

Monthly costs for one person with rent: $918 in Cebu versus $414 in Kalyan.

Cebu $918
Kalyan $414

Estimated couple costs with rent: $1,409 in Cebu versus $689 in Kalyan.

Cebu $1,409
Kalyan $689

Monthly costs for a family of three with rent: $1,900 in Cebu versus $963 in Kalyan.

Cebu $1,900
Kalyan $963

Living in Cebu is roughly 122% more expensive than in Kalyan, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Kalyan 69% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.12 ₹296

-0.96%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$11.30 ₹1,073

114.34%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$4.12 ₹391

-4.85%

Cappuccino

$2.51 ₱158

$1.76 ₹167

42.61%

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

$1.59 ₱100

$0.35 ₹33.60

354.29%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.12 ₹11.67

341.67%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.36 ₹224

-24.58%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.37 ₹320

-35.61%

Milk (1 liter)

$1.92 ₱121

$0.73 ₹69.5

163.01%

White Bread (500g)

$1.36 ₱85.4

$0.44 ₹41.71

209.09%

Rice (white) (1kg)

$1.01 ₱63.5

$0.72 ₹68.3

40.28%

Eggs

$2.03 ₱128

$0.96 ₹91.2

111.46%

Local Cheese (1kg)

$9.86 ₱621

$5.18 ₹492

90.35%

Chicken Fillets (1kg)

$4.39 ₱277

$3.10 ₹294

41.61%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$2.07 ₹196

59.42%

Banana (1kg)

$1.39 ₱87.8

$0.59 ₹55.9

135.59%

Oranges (1kg)

$2.33 ₱147

$0.96 ₹91.0

142.71%

Tomato (1kg)

$1.50 ₱94.3

$0.47 ₹44.26

219.15%

Potato (1kg)

$2.36 ₱149

$0.34 ₹32.70

594.12%

Onion (1kg)

$1.90 ₱119

$0.43 ₹40.89

341.86%

Lettuce (1 head)

$1.19 ₱74.9

$0.41 ₹39.08

190.24%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.28 ₹26.55

125.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.74 ₹355

-19.79%

Wine (Bottle)

$6.03 ₱379

$7.72 ₹733

-21.89%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.85 ₹176

-33.51%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.01 ₹286

-41.86%

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

$6.05 ₹575

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.16 ₹15.10

56.25%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$7.75 ₹736

63.10%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.60 ₹56.5

28.33%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.20 ₹18.96

15.00%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$1.61 ₹153

177.02%

Gasoline (1 liter)

$1.31 ₱82.8

$1.14 ₹108

14.91%

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

$21.2K ₱1.3M

$11.9K ₹1.1M

78.44%

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

$19.1K ₱1.2M

$22.3K ₹2.1M

-14.28%

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

$120 ₱7,569

$36.34 ₹3,451

230.85%

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

$14.00 ₱882

$4.49 ₹426

211.80%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$6.52 ₹619

322.39%

Gym Membership (Monthly)

$32.33 ₱2,035

$11.69 ₹1,110

176.56%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$11.12 ₹1,056

-40.20%

Cinema Ticket

$5.65 ₱356

$3.08 ₹292

83.44%

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

$275 ₱17.3K

$70.7 ₹6,710

289.63%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,471 ₹139.7K

438.21%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$21.80 ₹2,070

126.28%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$24.77 ₹2,352

1.90%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$40.53 ₹3,848

89.88%

Men's Leather Business Shoes

$57.2 ₱3,601

$32.54 ₹3,090

75.78%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$170 ₹16.2K

193.25%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$99.1 ₹9,410

211.62%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$425 ₹40.3K

153.74%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$284 ₹26.9K

116.79%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,636 ₹155.3K

76.46%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$935 ₹88.7K

105.09%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$585 ₹55.6K

-40.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.77

-17.90%

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

Last update for Cebu: October 12, 2026

Last update for Kalyan: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Kalyan

$99 23.9% 67.9% $210

Groceries & Markets

Cebu

$206 22.4%

Kalyan

$107 25.9% 48% $99

Monthly Utilities & Internet

Cebu

$162 17.6%

Kalyan

$47 11.4% 70.7% $114

Clothing & Footwear

Cebu

$94 10.2%

Kalyan

$54 13% 42.7% $40

Eating Out

Cebu

$88 9.6%

Kalyan

$79 19.1% 10.6% $9.4

Sport & Entertainment

Cebu

$44 4.8%

Kalyan

$18 4.3% 59.1% $26

Getting Around

Cebu

$16 1.7%

Kalyan

$10 2.4% 35.9% $5.6

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $170 in Kalyan. Housing cost is often the main lever when comparing two cities.

Kalyan pays 69% 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 $11.00 in Kalyan for a mid-range dinner for two. Groceries echo the gap at $206 vs $107 per month, with Kalyan cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Kalyan

🕒 Local time

09:27 9:27 AM

06:57 6:57 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

1,262,255

💱 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 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 19, 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

Lowest

Highest

Between locations

Cebu Kalyan 5,530 km ≈ 7 h nonstop flight

From you

Cebu
Kalyan

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 Kalyan: Cost of Living - Frequently Asked Questions

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

On paper, salaries run 69% lower in Kalyan. 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 $170 in Kalyan. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $414 in Kalyan – a 122% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kalyan runs roughly 63% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Kalyan gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kalyan 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 Kalyan 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 Kalyan gentler on the wallet – expenses run 122% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.