Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kharagpur

For one person, living is cheaper in Kharagpur: $312 a month against $918 in Cebu, rent and utilities included – about $7,300 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 Kharagpur
Learn more

Kharagpur Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Kharagpur

🇮🇳 India

$312

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kharagpur

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

Monthly costs for one person with rent: $918 in Cebu versus $312 in Kharagpur.

Cebu $918
Kharagpur $312

Estimated couple costs with rent: $1,409 in Cebu versus $482 in Kharagpur.

Cebu $1,409
Kharagpur $482

Monthly costs for a family of three with rent: $1,900 in Cebu versus $653 in Kharagpur.

Cebu $1,900
Kharagpur $653

Living in Cebu is roughly 194% more expensive than in Kharagpur, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$3.09 ₱194

$1.39 ₹132

122.30%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$8.23 ₹782

194.29%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.60 ₹342

8.89%

Cappuccino

$2.51 ₱158

$0.88 ₹84.0

185.23%

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

$1.59 ₱100

$0.44 ₹41.34

261.36%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.14 ₹13.17

278.57%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.59 ₹151

11.95%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.08 ₹292

-29.55%

Milk (1 liter)

$1.92 ₱121

$0.49 ₹46.21

291.84%

White Bread (500g)

$1.36 ₱85.4

$0.41 ₹38.49

231.71%

Rice (white) (1kg)

$1.01 ₱63.5

$0.54 ₹51.1

87.04%

Eggs

$2.03 ₱128

$0.89 ₹84.8

128.09%

Local Cheese (1kg)

$9.86 ₱621

$3.28 ₹312

200.61%

Chicken Fillets (1kg)

$4.39 ₱277

$2.60 ₹246

68.85%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$1.93 ₹183

70.98%

Banana (1kg)

$1.39 ₱87.8

$0.35 ₹33.41

297.14%

Oranges (1kg)

$2.33 ₱147

$1.23 ₹116

89.43%

Tomato (1kg)

$1.50 ₱94.3

$0.38 ₹36.44

294.74%

Potato (1kg)

$2.36 ₱149

$0.11 ₹10.44

2045.45%

Onion (1kg)

$1.90 ₱119

$0.22 ₹20.91

763.64%

Lettuce (1 head)

$1.19 ₱74.9

$0.48 ₹45.55

147.92%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.30 ₹28.33

110.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.95 ₹470

-39.39%

Wine (Bottle)

$6.03 ₱379

$7.97 ₹757

-24.34%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.92 ₹182

-35.94%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.41 ₹229

-27.39%

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

$6.92 ₹657

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.27 ₹25.68

-7.41%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.03 ₹98.2

-25.24%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.22 ₹20.93

4.55%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.03 ₹193

119.70%

Gasoline (1 liter)

$1.31 ₱82.8

$1.08 ₹102

21.30%

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

$21.2K ₱1.3M

$10.4K ₹990.6K

103.64%

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

$19.1K ₱1.2M

$20.9K ₹2.0M

-8.19%

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

$120 ₱7,569

$38.07 ₹3,615

215.81%

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

$14.00 ₱882

$3.15 ₹299

344.44%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$6.92 ₹657

297.98%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$2.87 ₹273

96.86%

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

$275 ₱17.3K

$25.86 ₹2,455

964.62%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$774 ₹73.5K

922.59%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$22.74 ₹2,159

116.93%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$25.99 ₹2,468

-2.89%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$47.66 ₹4,525

61.48%

Men's Leather Business Shoes

$57.2 ₱3,601

$31.86 ₹3,025

79.54%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$80.5 ₹7,639

520.91%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$55.4 ₹5,261

457.44%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$180 ₹17.1K

498.33%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$126 ₹12.0K

387.19%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$368 ₹34.9K

684.45%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$284 ₹26.9K

575.63%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$235 ₹22.4K

46.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.6

-16.28%

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

Last update for Cebu: October 12, 2026

Last update for Kharagpur: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Kharagpur

$55 17.8% 82.1% $253

Groceries & Markets

Cebu

$206 22.4%

Kharagpur

$93 29.7% 55% $113

Monthly Utilities & Internet

Cebu

$162 17.6%

Kharagpur

$48 15.4% 70.2% $114

Clothing & Footwear

Cebu

$94 10.2%

Kharagpur

$58 18.5% 38.6% $36

Eating Out

Cebu

$88 9.6%

Kharagpur

$49 15.7% 44.6% $39

Sport & Entertainment

Cebu

$44 4.8%

Kharagpur

$5.7 * 1.8% 86.8% $38

Getting Around

Cebu

$16 1.7%

Kharagpur

$3.2 * 1% 79.3% $12

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 $500 in Cebu and $80.5 in Kharagpur. Housing cost is often the main lever when comparing two cities.

Cebu pays 47% 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 $8.00 in Kharagpur for a mid-range dinner for two. Groceries echo the gap at $206 vs $93.0 per month, with Kharagpur cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Kharagpur

🕒 Local time

14:52 2:52 PM

12:22 12:22 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

207,600

💱 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 = 9.37 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 18, 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 18, 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

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Highest

Between locations

Cebu Kharagpur 4,120 km ≈ 6 h nonstop flight

From you

Cebu
Kharagpur

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 Kharagpur: Cost of Living - Frequently Asked Questions

Kharagpur is cheaper overall, especially in groceries, clothing, and eating out. The 194% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 47% 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 $80.5 in Kharagpur. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 122% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $312 in Kharagpur – a 194% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Kharagpur 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 Kharagpur 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 Kharagpur gentler on the wallet – expenses run 194% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.