Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kholmsk

For one person, living is cheaper in Cebu: $934 a month against $1,025 in Kholmsk, rent and utilities included – about $1,100 less a year. The total is higher in Kholmsk despite lower rent and utilities.

44

Cost of Living Index in Cebu
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Cebu Living Index
50

Cost of Living Index in Kholmsk
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Kholmsk Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Kholmsk

🇷🇺 Russia

$1,025

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kholmsk

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

Monthly costs for one person with rent: $934 in Cebu versus $1,025 in Kholmsk.

Cebu $934
Kholmsk $1,025

Estimated couple costs with rent: $1,415 in Cebu versus $1,619 in Kholmsk.

Cebu $1,415
Kholmsk $1,619

Monthly costs for a family of three with rent: $1,896 in Cebu versus $2,213 in Kholmsk.

Cebu $1,896
Kholmsk $2,213

Living in Cebu costs roughly 9% less than in Kholmsk, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 30% lower, Kholmsk 23% lower.

Meal at Budget Restaurant

$3.03 ₱190

$11.22 ₽954

-72.99%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$36.19 ₽3,079

-35.12%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$6.81 ₽580

-39.94%

Cappuccino

$2.52 ₱158

$2.44 ₽207

3.28%

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

$1.54 ₱96.9

$1.02 ₽86.8

50.98%

Water (0.33 liter bottle)

$0.49 ₱30.98

$0.59 ₽49.97

-16.95%

Local Beer (0.5 liter draught)

$1.79 ₱112

$1.85 ₽157

-3.24%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$2.99 ₽254

-24.41%

Milk (1 liter)

$1.95 ₱122

$1.06 ₽90.3

83.96%

White Bread (500g)

$1.43 ₱89.7

$0.79 ₽67.5

81.01%

Rice (white) (1kg)

$1.02 ₱63.8

$1.30 ₽110

-21.54%

Eggs

$2.06 ₱129

$1.46 ₽124

41.10%

Local Cheese (1kg)

$9.81 ₱615

$10.12 ₽861

-3.06%

Chicken Fillets (1kg)

$4.61 ₱289

$5.25 ₽446

-12.19%

Beef Round Steak (1kg)

$7.70 ₱483

$12.49 ₽1,063

-38.35%

Apples (1kg)

$3.31 ₱207

$1.84 ₽157

79.89%

Banana (1kg)

$1.45 ₱90.9

$1.73 ₽147

-16.18%

Oranges (1kg)

$2.36 ₱148

$1.89 ₽160

24.87%

Tomato (1kg)

$1.54 ₱96.4

$2.95 ₽251

-47.80%

Potato (1kg)

$2.36 ₱148

$0.75 ₽63.8

214.67%

Onion (1kg)

$1.99 ₱125

$0.61 ₽52.2

226.23%

Lettuce (1 head)

$1.15 ₱72.1

$1.27 ₽108

-9.45%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.75 ₽64.1

-10.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$2.57 ₽219

16.73%

Wine (Bottle)

$6.35 ₱398

$8.40 ₽715

-24.40%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.02 ₽87.1

28.43%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$2.00 ₽170

-13.50%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.51 ₽43.08

-50.98%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$2.34 ₽199

-68.38%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$0.40 ₽34.14

-47.50%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$5.64 ₽480

-23.23%

Gasoline (1 liter)

$1.33 ₱83.5

$0.93 ₽78.8

43.01%

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

$21.8K ₱1.4M

$36.0K ₽3.1M

-39.50%

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

$19.4K ₱1.2M

$29.0K ₽2.5M

-33.17%

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

$121 ₱7,563

$103 ₽8,797

16.64%

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

$14.45 ₱907

$6.06 ₽515

138.45%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$8.30 ₽707

240.84%

Gym Membership (Monthly)

$32.68 ₱2,050

$39.77 ₽3,384

-17.83%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$21.81 ₽1,855

-70.70%

Cinema Ticket

$5.46 ₱342

$5.04 ₽429

8.33%

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

$273 ₱17.1K

$389 ₽33.1K

-29.76%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$7,319 ₽622.8K

11.43%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$85.5 ₽7,272

-42.00%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$48.27 ₽4,107

-48.48%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$131 ₽11.1K

-41.44%

Men's Leather Business Shoes

$59.3 ₱3,717

$102 ₽8,658

-41.76%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$404 ₽34.3K

25.29%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$305 ₽26.0K

1.36%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$943 ₽80.2K

11.52%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$564 ₽48.0K

9.73%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$2,094 ₽178.2K

39.21%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$1,510 ₽128.5K

23.66%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

21.33

-66.24%

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

Last update for Cebu: October 5, 2026

Last update for Kholmsk: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Kholmsk

$305 30.1% 1.3% $4.2

Groceries & Markets

Cebu

$210 22.7%

Kholmsk

$209 20.6% 0.7% $1.4

Monthly Utilities & Internet

Cebu

$163 17.7%

Kholmsk

$118 11.6% 27.9% $46

Clothing & Footwear

Cebu

$95 10.2%

Kholmsk

$165 16.3% 74.2% $70

Eating Out

Cebu

$88 9.6%

Kholmsk

$161 15.9% 82.2% $73

Sport & Entertainment

Cebu

$44 4.7%

Kholmsk

$50 4.9% 14.3% $6.3

Getting Around

Cebu

$15 1.7%

Kholmsk

$6.4 * 0.6% 58.7% $9.1

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 $404 in Kholmsk. Housing cost is often the main lever when comparing two cities.

Dining out: $23.00 in Cebu vs $36.00 in Kholmsk. Groceries flip the comparison at $210 vs $209, with Kholmsk cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇷🇺 Kholmsk

🕒 Local time

14:00 2:00 PM

17:00 5:00 PM

3 h ahead of Cebu

🌤 Weather

👥 Population

964,169

27,954

💱 Currency

Philippine Peso PHP ₱

Russian Ruble RUB ₽

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 RUB = 1.18 USD

100 RUB = 1.05 EUR

Exchange rates and currency converter

RUB, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

Russian Ruble exchange rates as of October 10, 2026: 1 USD = 85.09 RUB (100 RUB = 1.18 USD). 1 EUR = 95.44 RUB (100 RUB = 1.05 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Kholmsk 4,430 km ≈ 6 h nonstop flight

From you

Cebu
Kholmsk

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 Kholmsk: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 10% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,401 in Cebu and $1,538 in Kholmsk to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $506 in Cebu versus $404 in Kholmsk. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Kholmsk pay roughly 1% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $934 per month in Cebu versus $1,025 in Kholmsk – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $934 in Cebu versus $1,025 in Kholmsk, a $1,500 budget is realistic in Cebu but tight or insufficient in Kholmsk. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Kholmsk, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Kholmsk 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 10% less than in Kholmsk. Beyond cost, consider language, visa policies, and how big the international community is in each city.