Cost of Living Comparison Between Cebu and Koh Phan Ghan Cost of Living Comparison Between Cebu and Koh Phan Ghan

Monthly Cost of Living

Monthly costs for one person with rent: $924 in Cebu versus $1,071 in Koh Phan Ghan.

Estimated couple costs with rent: $1,414 in Cebu versus $1,770 in Koh Phan Ghan.

Monthly costs for a family of three with rent: $1,905 in Cebu versus $2,469 in Koh Phan Ghan.

Living in Cebu costs roughly 14% less than in Koh Phan Ghan, driven mainly by Groceries & Markets.

Both cities sit below the global median: Cebu 33% lower, Koh Phan Ghan 22% lower.

Meal at Budget Restaurant

$3.07 ₱192

$4.19 ฿138

-26.73%

Three-Course Dinner for Two, Mid-Range

$23.18 ₱1,453

$29.63 ฿979

-21.77%

Fast Food Meal (McDonalds, etc)

$4.04 ₱253

$7.81 ฿258

-48.27%

Cappuccino

$2.49 ₱156

$2.55 ฿84.3

-2.35%

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

$1.52 ₱95.3

$0.76 ฿25.04

100.00%

Water (0.33 liter bottle)

$0.49 ₱30.70

$0.41 ฿13.49

19.51%

Local Beer (0.5 liter draught)

$1.80 ₱113

$2.13 ฿70.3

-15.49%

Imported Beer (0.33 liter bottle)

$2.29 ₱144

$3.45 ฿114

-33.62%

Milk (1 liter)

$1.92 ₱121

$1.76 ฿58.1

9.09%

White Bread (500g)

$1.39 ₱87.3

$1.40 ฿46.29

-0.71%

Rice (white) (1kg)

$1.01 ₱63.6

$1.52 ฿50.4

-33.55%

Eggs

$2.03 ₱127

$2.11 ฿69.9

-3.79%

Local Cheese (1kg)

$9.87 ₱619

$18.82 ฿622

-47.56%

Chicken Fillets (1kg)

$4.52 ₱283

$3.28 ฿108

37.80%

Beef Round Steak (1kg)

$7.59 ₱476

$10.77 ฿356

-29.53%

Apples (1kg)

$3.34 ₱209

$2.87 ฿94.8

16.38%

Banana (1kg)

$1.40 ₱87.7

$1.64 ฿54.1

-14.63%

Oranges (1kg)

$2.41 ₱151

$2.16 ฿71.5

11.57%

Tomato (1kg)

$1.55 ₱97.1

$1.98 ฿65.5

-21.72%

Potato (1kg)

$2.46 ₱154

$1.47 ฿48.64

67.35%

Onion (1kg)

$1.91 ₱120

$1.29 ฿42.51

48.06%

Lettuce (1 head)

$1.23 ₱76.9

$1.09 ฿36.00

12.84%

Water (1.5 liter bottle)

$0.62 ₱38.80

$0.56 ฿18.57

10.71%

Cigarettes 20 Pack (Marlboro, Camel)

$2.87 ₱180

$4.15 ฿137

-30.84%

Wine (Bottle)

$6.30 ₱395

$18.31 ฿605

-65.59%

Local Beer (0.5 liter bottle)

$1.30 ₱81.2

$1.71 ฿56.6

-23.98%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.78 ฿91.8

-37.05%

One-way Ticket (Public Transport)

$0.23 ₱14.30

$2.03 ฿67.2

-88.67%

Public Transport Monthly Pass (Regular Price)

$12.66 ₱794

Taxi Start (Normal Tariff)

$0.75 ₱46.79

$2.78 ฿92.0

-73.02%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.42

$0.98 ฿32.25

-76.53%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$3.54 ฿117

22.32%

Gasoline (1 liter)

$1.26 ₱79.3

$1.34 ฿44.30

-5.97%

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

$21.1K ₱1.3M

$24.7K ฿815.7K

-14.51%

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

$19.6K ₱1.2M

$24.6K ฿814.4K

-20.42%

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

$121 ₱7,586

$104 ฿3,424

16.77%

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

$15.07 ₱944

$11.43 ฿378

31.85%

Internet (50+ Mbps, Unlimited Data)

$27.29 ₱1,711

$17.69 ฿585

54.27%

Gym Membership (Monthly)

$32.26 ₱2,022

$53.0 ฿1,752

-39.17%

Tennis Court (1 Hour on Weekend)

$6.38 ₱400

$11.02 ฿364

-42.11%

Cinema Ticket

$5.63 ₱353

$7.84 ฿259

-28.19%

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

$281 ₱17.6K

$571 ฿18.9K

-50.80%

International Primary School, 1 Child (Yearly)

$8,117 ₱508.9K

$11.8K ฿390.4K

-31.31%

Jeans (Levis 501 Or Similar)

$49.04 ₱3,074

$65.4 ฿2,159

-24.96%

Summer Dress (H&M, Zara, etc)

$24.72 ₱1,550

$29.41 ฿972

-15.95%

Sport Shoes (Adidas, Nike)

$77.9 ₱4,886

$96.6 ฿3,191

-19.29%

Men's Leather Business Shoes

$58.3 ₱3,656

$90.6 ฿2,992

-35.61%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.5K

$513 ฿17.0K

-2.02%

1-bedroom Apartment, Outside City Center (Monthly)

$307 ₱19.2K

$342 ฿11.3K

-10.36%

3-bedroom Apartment, City Center (Monthly)

$1,086 ₱68.1K

$1,463 ฿48.3K

-25.79%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.6K

$846 ฿28.0K

-25.26%

Buy Apartment in City Center (m2)

$2,868 ₱179.8K

$2,507 ฿82.8K

14.40%

Buy Apartment Outside City Center (m2)

$1,891 ₱118.5K

$1,812 ฿59.9K

4.36%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

$732 ฿24.2K

-52.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.57

29.26%

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

Last update for Cebu: September 7, 2026

Last update for Koh Phan Ghan: September 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $513 in Koh Phan Ghan. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 111% 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: $23.00 in Cebu vs $30.00 in Koh Phan Ghan for a mid-range dinner for two. Groceries echo the gap at $209 vs $263 per month, with Cebu cheaper across the board.

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 Koh Phan Ghan: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Getting Around. The 16% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 111% lower in Koh Phan Ghan. 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: $503 in Cebu versus $513 in Koh Phan Ghan. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 26% higher in Koh Phan Ghan. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $924 per month in Cebu versus $1,071 in Koh Phan Ghan – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

At $924 in Cebu versus $1,071 in Koh Phan Ghan, a $1,500 budget is realistic in Cebu but tight or insufficient in Koh Phan Ghan. 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 Koh Phan Ghan, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Koh Phan Ghan 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 16% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.