Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kharkiv

For one person, living is cheaper in Kharkiv: $673 a month against $934 in Cebu, rent and utilities included – about $3,100 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
33

Cost of Living Index in Kharkiv
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Kharkiv Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Kharkiv

🇺🇦 Ukraine

$673

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kharkiv

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

Monthly costs for one person with rent: $934 in Cebu versus $673 in Kharkiv.

Cebu $934
Kharkiv $673

Estimated couple costs with rent: $1,415 in Cebu versus $1,064 in Kharkiv.

Cebu $1,415
Kharkiv $1,064

Monthly costs for a family of three with rent: $1,896 in Cebu versus $1,456 in Kharkiv.

Cebu $1,896
Kharkiv $1,456

Living in Cebu is roughly 39% more expensive than in Kharkiv, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Kharkiv 50% lower.

Meal at Budget Restaurant

$3.03 ₱191

$6.80 ₴305

-55.44%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,476

$31.13 ₴1,397

-24.57%

Fast Food Meal (McDonalds, etc)

$4.09 ₱257

$4.95 ₴222

-17.37%

Cappuccino

$2.52 ₱158

$1.57 ₴70.6

60.51%

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

$1.54 ₱97.2

$1.05 ₴47.11

46.67%

Water (0.33 liter bottle)

$0.49 ₱31.06

$0.51 ₴23.01

-3.92%

Local Beer (0.5 liter draught)

$1.79 ₱113

$0.97 ₴43.66

84.54%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$1.70 ₴76.3

32.94%

Milk (1 liter)

$1.95 ₱122

$1.09 ₴48.90

78.90%

White Bread (500g)

$1.43 ₱89.9

$0.70 ₴31.48

104.29%

Rice (white) (1kg)

$1.02 ₱64.0

$1.19 ₴53.5

-14.29%

Eggs

$2.06 ₱129

$1.74 ₴78.0

18.39%

Local Cheese (1kg)

$9.81 ₱617

$8.33 ₴374

17.77%

Chicken Fillets (1kg)

$4.61 ₱290

$4.29 ₴192

7.46%

Beef Round Steak (1kg)

$7.70 ₱484

$7.08 ₴317

8.76%

Apples (1kg)

$3.31 ₱208

$1.39 ₴62.6

138.13%

Banana (1kg)

$1.45 ₱91.2

$1.60 ₴72.0

-9.38%

Oranges (1kg)

$2.36 ₱148

$1.66 ₴74.7

42.17%

Tomato (1kg)

$1.54 ₱96.6

$2.15 ₴96.5

-28.37%

Potato (1kg)

$2.36 ₱148

$0.73 ₴32.75

223.29%

Onion (1kg)

$1.99 ₱125

$0.55 ₴24.74

261.82%

Lettuce (1 head)

$1.15 ₱72.3

$1.21 ₴54.2

-4.96%

Water (1.5 liter bottle)

$0.67 ₱42.26

$0.65 ₴28.98

3.08%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.85 ₴128

5.26%

Wine (Bottle)

$6.35 ₱399

$4.35 ₴195

45.98%

Local Beer (0.5 liter bottle)

$1.31 ₱82.1

$0.85 ₴38.30

54.12%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.18 ₴52.9

46.61%

One-way Ticket (Public Transport)

$0.25 ₱15.82

Public Transport Monthly Pass (Regular Price)

$12.65 ₱796

Taxi Start (Normal Tariff)

$0.74 ₱46.44

$1.38 ₴61.8

-46.38%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.15

$0.31 ₴14.07

-32.26%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$2.19 ₴98.2

97.72%

Gasoline (1 liter)

$1.33 ₱83.7

$1.83 ₴82.2

-27.32%

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

$21.8K ₱1.4M

$29.5K ₴1.3M

-26.25%

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

$19.4K ₱1.2M

$22.2K ₴997.1K

-12.72%

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

$121 ₱7,583

$95.1 ₴4,267

26.79%

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

$14.45 ₱909

$5.98 ₴268

141.64%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,779

$6.83 ₴306

314.20%

Gym Membership (Monthly)

$32.68 ₱2,055

$22.10 ₴992

47.87%

Tennis Court (1 Hour on Weekend)

$6.39 ₱402

$13.61 ₴611

-53.05%

Cinema Ticket

$5.46 ₱343

$4.62 ₴207

18.18%

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

$273 ₱17.2K

$280 ₴12.6K

-2.32%

International Primary School, 1 Child (Yearly)

$8,156 ₱512.9K

$2,666 ₴119.6K

205.92%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,117

$56.3 ₴2,527

-12.00%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,564

$42.92 ₴1,925

-42.05%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,817

$90.2 ₴4,045

-15.06%

Men's Leather Business Shoes

$59.3 ₱3,727

$104 ₴4,686

-43.27%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.8K

$243 ₴10.9K

108.07%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$143 ₴6,432

115.81%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.1K

$505 ₴22.6K

108.35%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.9K

$211 ₴9,472

193.18%

Buy Apartment in City Center (m2)

$2,915 ₱183.4K

$1,073 ₴48.1K

171.71%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.4K

$571 ₴25.6K

226.87%

Average Monthly Net Salary (After Tax)

$341 ₱21.5K

$528 ₴23.7K

-35.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

17.89

-59.75%

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

Last update for Cebu: October 5, 2026

Last update for Kharkiv: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Kharkiv

$143 21% 53.7% $166

Groceries & Markets

Cebu

$210 22.7%

Kharkiv

$163 23.8% 22.8% $48

Monthly Utilities & Internet

Cebu

$163 17.7%

Kharkiv

$108 15.8% 33.9% $55

Clothing & Footwear

Cebu

$95 10.2%

Kharkiv

$132 19.4% 39.7% $38

Eating Out

Cebu

$88 9.6%

Kharkiv

$103 15% 16.1% $14

Sport & Entertainment

Cebu

$44 4.7%

Kharkiv

$31 4.6% 28.1% $12

Getting Around

Cebu

$15 1.7%

Kharkiv

$3 * 0.4% 80.9% $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 $506 in Cebu and $243 in Kharkiv. Housing cost is often the main lever when comparing two cities.

Kharkiv pays 55% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Cebu vs $31.00 in Kharkiv. Groceries flip the comparison at $210 vs $163, with Kharkiv cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇺🇦 Kharkiv

🕒 Local time

16:21 4:21 PM

11:21 11:21 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

1,447,652

💱 Currency

Philippine Peso PHP ₱

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 UAH = 2.23 USD

100 UAH = 1.99 EUR

Exchange rates and currency converter

UAH, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

Ukrainian Hryvnia exchange rates as of October 10, 2026: 1 USD = 44.86 UAH (100 UAH = 2.23 USD). 1 EUR = 50.32 UAH (100 UAH = 1.99 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Kharkiv 8,970 km ≈ 12 h nonstop flight

From you

Cebu
Kharkiv

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 Kharkiv: Cost of Living - Frequently Asked Questions

Kharkiv is cheaper overall, especially in groceries, leisure, and utilities. The 39% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 55% lower in Kharkiv. 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: $506 in Cebu versus $243 in Kharkiv. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 29% 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 $673 in Kharkiv – a 39% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Kharkiv 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 Kharkiv 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 Kharkiv gentler on the wallet – expenses run 39% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.