Last update: Oct 2026

Cost of Living Comparison Between Cebu and Karmøy

For one person, living is cheaper in Cebu: $934 a month against $2,641 in Karmøy, rent and utilities included – about $20,500 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
132

Cost of Living Index in Karmøy
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Karmøy Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Karmøy

🇳🇴 Norway

$2,641

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Karmøy

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

Monthly costs for one person with rent: $934 in Cebu versus $2,641 in Karmøy.

Cebu $934
Karmøy $2,641

Estimated couple costs with rent: $1,423 in Cebu versus $4,032 in Karmøy.

Cebu $1,423
Karmøy $4,032

Monthly costs for a family of three with rent: $1,913 in Cebu versus $5,423 in Karmøy.

Cebu $1,913
Karmøy $5,423

Living in Cebu costs roughly 65% less than in Karmøy, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 31% below, Karmøy is 94% above.

Meal at Budget Restaurant

$3.79 ₱243

$21.23 NOK 198

-82.15%

Three-Course Dinner for Two, Mid-Range

$23.33 ₱1,493

$122 NOK 1,141

-80.91%

Fast Food Meal (McDonalds, etc)

$3.94 ₱252

$16.23 NOK 151

-75.72%

Cappuccino

$2.54 ₱163

$6.16 NOK 57.5

-58.77%

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

$1.57 ₱100

$3.80 NOK 35.51

-58.68%

Water (0.33 liter bottle)

$0.47 ₱29.87

$2.91 NOK 27.15

-83.85%

Local Beer (0.5 liter draught)

$1.77 ₱113

$11.67 NOK 109

-84.83%

Imported Beer (0.33 liter bottle)

$2.22 ₱142

$11.22 NOK 105

-80.21%

Milk (1 liter)

$1.90 ₱121

$2.32 NOK 21.65

-18.10%

White Bread (500g)

$1.36 ₱87.3

$3.87 NOK 36.11

-64.86%

Rice (white) (1kg)

$0.94 ₱59.9

$3.37 NOK 31.44

-72.11%

Eggs

$1.99 ₱127

$4.39 NOK 40.94

-54.67%

Local Cheese (1kg)

$9.70 ₱621

$12.31 NOK 115

-21.20%

Chicken Fillets (1kg)

$4.32 ₱276

$15.45 NOK 144

-72.04%

Beef Round Steak (1kg)

$7.51 ₱481

$29.85 NOK 279

-74.84%

Apples (1kg)

$3.31 ₱212

$3.29 NOK 30.67

0.61%

Banana (1kg)

$1.37 ₱87.6

$2.37 NOK 22.14

-42.19%

Oranges (1kg)

$2.34 ₱150

$3.05 NOK 28.42

-23.28%

Tomato (1kg)

$1.49 ₱95.5

$4.55 NOK 42.52

-67.25%

Potato (1kg)

$2.30 ₱147

$2.51 NOK 23.46

-8.37%

Onion (1kg)

$1.87 ₱120

$3.00 NOK 28.04

-37.67%

Lettuce (1 head)

$1.10 ₱70.4

$3.44 NOK 32.07

-68.02%

Water (1.5 liter bottle)

$0.63 ₱40.42

$2.49 NOK 23.24

-74.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱183

$20.07 NOK 187

-85.75%

Wine (Bottle)

$6.08 ₱389

$17.00 NOK 159

-64.24%

Local Beer (0.5 liter bottle)

$1.27 ₱81.6

$3.89 NOK 36.28

-67.35%

Imported Beer (0.33 liter bottle)

$1.72 ₱110

$4.95 NOK 46.21

-65.25%

One-way Ticket (Public Transport)

$0.22 ₱14.01

$4.66 NOK 43.52

-95.28%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱790

$84.3 NOK 787

-85.35%

Taxi Start (Normal Tariff)

$0.74 ₱47.60

$13.42 NOK 125

-94.49%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.10

$1.84 NOK 17.18

-88.04%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₱274

$63.7 NOK 595

-93.28%

Gasoline (1 liter)

$1.31 ₱83.8

$2.52 NOK 23.52

-48.02%

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

$20.8K ₱1.3M

$50.9K NOK 474.8K

-59.17%

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

$19.0K ₱1.2M

$41.1K NOK 383.4K

-53.63%

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

$118 ₱7,577

$243 NOK 2,270

-51.31%

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

$15.76 ₱1,009

$30.54 NOK 285

-48.40%

Internet (50+ Mbps, Unlimited Data)

$28.33 ₱1,813

$46.76 NOK 437

-39.41%

Gym Membership (Monthly)

$32.94 ₱2,108

$49.24 NOK 460

-33.10%

Tennis Court (1 Hour on Weekend)

$6.49 ₱415

$41.02 NOK 383

-84.18%

Cinema Ticket

$5.45 ₱349

$16.70 NOK 156

-67.37%

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

$276 ₱17.6K

$259 NOK 2,417

6.50%

International Primary School, 1 Child (Yearly)

$7,789 ₱498.4K

$12.2K NOK 113.8K

-36.12%

Jeans (Levis 501 Or Similar)

$48.18 ₱3,083

$96.0 NOK 896

-49.81%

Summer Dress (H&M, Zara, etc)

$24.47 ₱1,566

$49.63 NOK 463

-50.70%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,817

$111 NOK 1,035

-32.13%

Men's Leather Business Shoes

$58.0 ₱3,713

$154 NOK 1,436

-62.27%

1-bedroom Apartment, City Center (Monthly)

$477 ₱30.5K

$1,262 NOK 11.8K

-62.17%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.6K

$1,044 NOK 9,749

-69.19%

3-bedroom Apartment, City Center (Monthly)

$963 ₱61.6K

$2,068 NOK 19.3K

-53.43%

3-bedroom Apartment, Outside City Center (Monthly)

$626 ₱40.0K

$1,688 NOK 15.8K

-62.92%

Buy Apartment in City Center (m2)

$4,551 ₱291.2K

$6,242 NOK 58.3K

-27.09%

Buy Apartment Outside City Center (m2)

$3,028 ₱193.8K

$4,136 NOK 38.6K

-26.78%

Average Monthly Net Salary (After Tax)

$333 ₱21.3K

$4,114 NOK 38.4K

-91.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.94

45.75%

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

Last update for Cebu: October 26, 2026

Last update for Karmøy: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.5%

Karmøy

$1K 39.6% 225% $723

Groceries & Markets

Cebu

$204 21.8%

Karmøy

$483 18.3% 137% $279

Monthly Utilities & Internet

Cebu

$163 17.4%

Karmøy

$321 12.1% 97.2% $158

Eating Out

Cebu

$94 10.1%

Karmøy

$400 15.2% 325% $306

Clothing & Footwear

Cebu

$93 9.9%

Karmøy

$185 7% 99.2% $92

Sport & Entertainment

Cebu

$44 4.7%

Karmøy

$83 3.1% 88.5% $39

Getting Around

Cebu

$15 1.6%

Karmøy

$126 4.8% 734% $110

Cost Breakdown

A one-bedroom apartment in the center runs $477 in Cebu and $1,262 in Karmøy. Housing cost is often the main lever when comparing two cities.

Karmøy pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $23 in Cebu vs $122 in Karmøy for a mid-range dinner for two. Groceries echo the gap at $204 vs $483 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇳🇴 Karmøy

🕒 Local time

22:49 10:49 PM

15:49 3:49 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

43,404

💱 Currency

Philippine Peso PHP ₱

Norwegian Krone NOK kr

📈 Exchange rate

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

100 NOK = 10.71 USD

100 NOK = 9.63 EUR

Exchange rates and currency converter

NOK, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 28, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.22 PHP (100 PHP = 1.4 EUR).

Norwegian Krone exchange rates as of October 28, 2026: 1 USD = 9.33 NOK (1 NOK = 0.107 USD). 1 EUR = 10.39 NOK (100 NOK = 9.63 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Karmøy 10,570 km ≈ 14 h nonstop flight

From you

Cebu
Karmøy

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 Karmøy: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and transport. The 183% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 92% lower in Cebu. 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: $477 in Cebu versus $1,262 in Karmøy. 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 $2,641 in Karmøy – a 183% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 85% less than in Karmøy. Both cities have functional networks, but the price difference matters if you’re watching your 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.

Safety-wise, Cebu and Karmøy 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 65% less than in Karmøy. Beyond cost, consider language, visa policies, and how big the international community is in each city.