Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kalyani

For one person, living is cheaper in Kalyani: $315 a month against $918 in Cebu, rent and utilities included – about $7,200 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 Kalyani
Learn more

Kalyani Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Kalyani

🇮🇳 India

$315

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kalyani

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

Monthly costs for one person with rent: $918 in Cebu versus $315 in Kalyani.

Cebu $918
Kalyani $315

Estimated couple costs with rent: $1,409 in Cebu versus $494 in Kalyani.

Cebu $1,409
Kalyani $494

Monthly costs for a family of three with rent: $1,900 in Cebu versus $672 in Kalyani.

Cebu $1,900
Kalyani $672

Living in Cebu is roughly 191% more expensive than in Kalyani, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Kalyani 77% lower.

Meal at Budget Restaurant

$3.09 ₱194

$2.05 ₹195

50.73%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,524

$14.59 ₹1,385

66.00%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$4.22 ₹401

-7.11%

Cappuccino

$2.51 ₱158

$1.64 ₹156

53.05%

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

$1.59 ₱100

$0.49 ₹46.19

224.49%

Water (0.33 liter bottle)

$0.53 ₱33.42

$0.15 ₹13.83

253.33%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.85 ₹175

-3.78%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.09 ₹294

-29.77%

Milk (1 liter)

$1.92 ₱121

$0.67 ₹63.8

186.57%

White Bread (500g)

$1.36 ₱85.4

$0.47 ₹44.19

189.36%

Rice (white) (1kg)

$1.01 ₱63.5

$0.58 ₹54.7

74.14%

Eggs

$2.03 ₱128

$0.88 ₹83.4

130.68%

Local Cheese (1kg)

$9.86 ₱621

$5.43 ₹515

81.58%

Chicken Fillets (1kg)

$4.39 ₱276

$2.48 ₹235

77.02%

Beef Round Steak (1kg)

$7.60 ₱478

Apples (1kg)

$3.30 ₱208

$2.39 ₹227

38.08%

Banana (1kg)

$1.39 ₱87.7

$0.49 ₹46.96

183.67%

Oranges (1kg)

$2.33 ₱147

$0.62 ₹58.5

275.81%

Tomato (1kg)

$1.50 ₱94.2

$0.59 ₹56.2

154.24%

Potato (1kg)

$2.36 ₱149

$0.29 ₹27.75

713.79%

Onion (1kg)

$1.90 ₱119

$0.41 ₹38.78

363.41%

Lettuce (1 head)

$1.19 ₱74.9

$0.32 ₹29.97

271.87%

Water (1.5 liter bottle)

$0.63 ₱39.69

$0.27 ₹25.85

133.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.74 ₹355

-19.79%

Wine (Bottle)

$6.03 ₱379

$7.68 ₹729

-21.48%

Local Beer (0.5 liter bottle)

$1.23 ₱77.6

$1.49 ₹142

-17.45%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.86 ₹272

-38.81%

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

$6.59 ₹626

One-way Ticket (Public Transport)

$0.25 ₱15.85

$0.18 ₹17.32

38.89%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱795

$2.66 ₹253

375.19%

Taxi Start (Normal Tariff)

$0.77 ₱48.59

$0.61 ₹57.8

26.23%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.52

$0.11 ₹10.14

109.09%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$1.52 ₹145

193.42%

Gasoline (1 liter)

$1.31 ₱82.8

$1.15 ₹109

13.91%

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

$21.2K ₱1.3M

$15.6K ₹1.5M

35.88%

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

$19.1K ₱1.2M

$22.8K ₹2.2M

-16.20%

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

$120 ₱7,566

$53.8 ₹5,112

123.31%

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

$14.00 ₱881

$3.19 ₹303

338.87%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,733

$4.57 ₹434

502.63%

Gym Membership (Monthly)

$32.33 ₱2,034

$8.79 ₹835

267.80%

Tennis Court (1 Hour on Weekend)

$6.65 ₱418

Cinema Ticket

$5.65 ₱355

$2.33 ₹221

142.49%

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

$275 ₱17.3K

$18.85 ₹1,790

1360.53%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.3K

$768 ₹73.0K

930.55%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,105

$15.42 ₹1,465

219.91%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$25.92 ₹2,461

-2.62%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,844

$35.44 ₹3,366

117.16%

Men's Leather Business Shoes

$57.2 ₱3,600

$28.99 ₹2,753

97.31%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$49.39 ₹4,690

911.38%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$20.66 ₹1,962

1394.77%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.8K

$143 ₹13.6K

651.58%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$46.23 ₹4,390

1230.78%

Buy Apartment in City Center (m2)

$2,886 ₱181.6K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.6K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$302 ₹28.7K

14.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.5

-4.00%

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

Last update for Cebu: October 12, 2026

Last update for Kalyani: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Kalyani

$21 6.6% 93.3% $288

Groceries & Markets

Cebu

$206 22.4%

Kalyani

$101 32% 51% $105

Monthly Utilities & Internet

Cebu

$162 17.6%

Kalyani

$62 19.5% 61.9% $100

Clothing & Footwear

Cebu

$94 10.2%

Kalyani

$48 15.1% 49.3% $46

Eating Out

Cebu

$88 9.6%

Kalyani

$67 21.1% 24.4% $22

Sport & Entertainment

Cebu

$44 4.8%

Kalyani

$13 4.3% 69.2% $30

Getting Around

Cebu

$16 1.7%

Kalyani

$4.5 1.4% 70.9% $11

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $49.39 in Kalyani. Housing cost is often the main lever when comparing two cities.

Cebu pays 15% 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 $15.00 in Kalyani for a mid-range dinner for two. Groceries echo the gap at $206 vs $101 per month, with Kalyani cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Kalyani

🕒 Local time

07:22 7:22 AM

04:52 4:52 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

100,600

💱 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 = 9.35 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 16, 2026: 1 USD = 62.93 PHP (100 PHP = 1.59 USD). 1 EUR = 70.86 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 16, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.35 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Kalyani 4,020 km ≈ 6 h nonstop flight

From you

Cebu
Kalyani

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 Kalyani: Cost of Living - Frequently Asked Questions

Kalyani is cheaper overall, especially in groceries, clothing, and eating out. The 191% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 15% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $500 in Cebu versus $49.39 in Kalyani. 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 $315 in Kalyani – a 191% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kalyani runs roughly 375% 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 Kalyani gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kalyani 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 Kalyani 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 Kalyani gentler on the wallet – expenses run 191% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.