Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kololi

For one person, living is cheaper in Kololi: $114 a month against $934 in Cebu, rent and utilities included – about $9,800 less a year. Rent and utilities account for about half of the difference.

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Cost of Living Index in Cebu
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Cebu Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Kololi

🇬🇲 Gambia

$114

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kololi

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

Monthly costs for one person with rent: $934 in Cebu versus $114 in Kololi.

Cebu $934
Kololi $114

Estimated couple costs with rent: $1,415 in Cebu versus $270 in Kololi.

Cebu $1,415
Kololi $270

Monthly costs for a family of three with rent: $1,896 in Cebu versus $425 in Kololi.

Cebu $1,896
Kololi $425

Living in Cebu is roughly 717% more expensive than in Kololi, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Kololi 91% lower.

Meal at Budget Restaurant

$3.03 ₱190

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$43.75 GMD 3,150

-46.33%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

Cappuccino

$2.52 ₱158

$2.75 GMD 198

-8.36%

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

$1.54 ₱96.9

$2.30 GMD 166

-33.04%

Water (0.33 liter bottle)

$0.49 ₱30.98

$0.99 GMD 71.6

-50.51%

Local Beer (0.5 liter draught)

$1.79 ₱112

$6.70 GMD 482

-73.28%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$4.62 GMD 333

-51.08%

Milk (1 liter)

$1.95 ₱122

White Bread (500g)

$1.43 ₱89.7

$1.31 GMD 94.0

9.16%

Rice (white) (1kg)

$1.02 ₱63.8

Eggs

$2.06 ₱129

Local Cheese (1kg)

$9.81 ₱615

Chicken Fillets (1kg)

$4.61 ₱289

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$3.31 ₱207

Banana (1kg)

$1.45 ₱90.9

Oranges (1kg)

$2.36 ₱148

Tomato (1kg)

$1.54 ₱96.4

Potato (1kg)

$2.36 ₱148

Onion (1kg)

$1.99 ₱125

Lettuce (1 head)

$1.15 ₱72.1

Water (1.5 liter bottle)

$0.67 ₱42.15

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$6.35 ₱398

$6.65 GMD 479

-4.51%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

Imported Beer (0.33 liter bottle)

$1.73 ₱108

One-way Ticket (Public Transport)

$0.25 ₱15.78

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

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

$21.8K ₱1.4M

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

$19.4K ₱1.2M

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

$121 ₱7,563

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

$14.45 ₱907

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

Gym Membership (Monthly)

$32.68 ₱2,050

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱342

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

Men's Leather Business Shoes

$59.3 ₱3,717

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Cebu: October 5, 2026

Last update for Kololi: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Kololi

–

Groceries & Markets

Cebu

$210 22.7%

Kololi

–

Monthly Utilities & Internet

Cebu

$163 17.7%

Kololi

–

Clothing & Footwear

Cebu

$95 10.2%

Kololi

–

Eating Out

Cebu

$88 9.6%

Kololi

–

Sport & Entertainment

Cebu

$44 4.7%

Kololi

–

Getting Around

Cebu

$15 1.7%

Kololi

–

Cost Breakdown

Dining out: $23.00 in Cebu vs $44.00 in Kololi. Groceries flip the comparison at $210 vs $26.00, with Kololi cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇬🇲 Kololi

🕒 Local time

18:04 6:04 PM

10:04 10:04 AM

8 h behind Cebu

🌤 Weather

👥 Population

964,169

8,710

💱 Currency

Philippine Peso PHP ₱

Gambian Dalasi GMD D

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 GMD = 1.39 USD

100 GMD = 1.24 EUR

Exchange rates and currency converter

GMD, 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 = 70.28 PHP (100 PHP = 1.42 EUR).

Gambian Dalasi exchange rates as of October 10, 2026: 1 USD = 72 GMD (100 GMD = 1.39 USD). 1 EUR = 80.68 GMD (100 GMD = 1.24 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Kololi 14,930 km ≈ 19 h nonstop flight

From you

Cebu
Kololi

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 Kololi: Cost of Living - Frequently Asked Questions

Kololi is cheaper overall, especially in groceries, clothing, and leisure. The 717% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,401 in Cebu and $171 in Kololi 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.

Supermarket bills run roughly 698% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Kololi – a meal for two runs $44.00 versus $23.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Kololi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kololi 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 Kololi 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 Kololi gentler on the wallet – expenses run 717% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.