Last update: Oct 2026

Cost of Living Comparison Between Cebu and Lohja

For one person, living is cheaper in Cebu: $918 a month against $981 in Lohja, rent and utilities included – about $760 less a year. The total is higher in Lohja despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
48

Cost of Living Index in Lohja
Learn more

Lohja Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Lohja

🇫🇮 Finland

$981

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Lohja

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

Monthly costs for one person with rent: $918 in Cebu versus $981 in Lohja.

Cebu $918
Lohja $981

Estimated couple costs with rent: $1,409 in Cebu versus $2,114 in Lohja.

Cebu $1,409
Lohja $2,114

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,247 in Lohja.

Cebu $1,900
Lohja $3,247

Living in Cebu costs roughly 6% less than in Lohja, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Lohja 27% lower.

Meal at Budget Restaurant

$3.09 ₱195

$13.28 €11.84

-76.73%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,526

$61.9 €55.2

-60.88%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$11.86 €10.57

-66.95%

Cappuccino

$2.51 ₱158

$4.73 €4.21

-46.93%

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

$1.59 ₱100

$3.04 €2.71

-47.70%

Water (0.33 liter bottle)

$0.53 ₱33.47

$1.92 €1.71

-72.40%

Local Beer (0.5 liter draught)

$1.78 ₱112

$7.94 €7.08

-77.58%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$6.62 €5.90

-67.22%

Milk (1 liter)

$1.92 ₱121

$1.20 €1.07

60.00%

White Bread (500g)

$1.36 ₱85.5

$2.29 €2.04

-40.61%

Rice (white) (1kg)

$1.01 ₱63.6

$2.42 €2.16

-58.26%

Eggs

$2.03 ₱128

$2.66 €2.37

-23.68%

Local Cheese (1kg)

$9.86 ₱622

$8.80 €7.85

12.05%

Chicken Fillets (1kg)

$4.39 ₱277

$13.38 €11.93

-67.19%

Beef Round Steak (1kg)

$7.60 ₱479

$16.58 €14.78

-54.16%

Apples (1kg)

$3.30 ₱208

$2.24 €2.00

47.32%

Banana (1kg)

$1.39 ₱87.9

$2.02 €1.80

-31.19%

Oranges (1kg)

$2.33 ₱147

$1.10 €0.98

111.82%

Tomato (1kg)

$1.50 ₱94.4

$3.92 €3.50

-61.73%

Potato (1kg)

$2.36 ₱149

$1.25 €1.12

88.80%

Onion (1kg)

$1.90 ₱119

$1.86 €1.66

2.15%

Lettuce (1 head)

$1.19 ₱75.0

$2.82 €2.51

-57.80%

Water (1.5 liter bottle)

$0.63 ₱39.75

$2.03 €1.81

-68.97%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$12.96 €11.55

-76.85%

Wine (Bottle)

$6.03 ₱380

$15.81 €14.10

-61.86%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$3.13 €2.79

-60.70%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.27 €2.91

-46.48%

One-way Ticket (Public Transport)

$0.25 ₱15.87

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.66

$4.39 €3.91

-82.46%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

$1.35 €1.21

-82.96%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$66.7 €59.5

-93.31%

Gasoline (1 liter)

$1.31 ₱82.9

$2.00 €1.78

-34.50%

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

$21.2K ₱1.3M

$37.1K €33.1K

-42.72%

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

$19.1K ₱1.2M

$37.4K €33.4K

-48.81%

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

$120 ₱7,577

$79.6 €71.0

51.00%

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

$14.00 ₱883

$24.91 €22.21

-43.80%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,736

$22.58 €20.13

21.97%

Gym Membership (Monthly)

$32.33 ₱2,037

$33.19 €29.59

-2.59%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$16.40 €14.63

-59.45%

Cinema Ticket

$5.65 ₱356

$15.57 €13.88

-63.71%

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

$275 ₱17.3K

$333 €297

-17.39%

International Primary School, 1 Child (Yearly)

$7,918 ₱499.0K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,109

$96.8 €86.3

-49.04%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,591

$33.85 €30.18

-25.44%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,850

$78.6 €70.1

-2.10%

Men's Leather Business Shoes

$57.2 ₱3,605

$156 €139

-63.39%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,099 €980

-1.96%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

$952 €849

-35.37%

Buy Apartment in City Center (m2)

$2,886 ₱181.9K

$1,365 €1,217

111.39%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.8K

$1,136 €1,013

68.72%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$3,399 €3,031

-89.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.51

105.13%

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

Last update for Cebu: October 12, 2026

Last update for Lohja: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Lohja

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Lohja

$343 34.9% 66.4% $137

Monthly Utilities & Internet

Cebu

$162 17.6%

Lohja

$127 13% 21.4% $35

Clothing & Footwear

Cebu

$94 10.2%

Lohja

$164 16.8% 75.1% $71

Eating Out

Cebu

$88 9.6%

Lohja

$271 27.7% 207% $183

Sport & Entertainment

Cebu

$44 4.8%

Lohja

$64 6.6% 47.5% $21

Getting Around

Cebu

$16 1.7%

Lohja

$11 * 1.1% 28.4% $4.4

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Lohja pays 883% 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 $62.0 in Lohja for a mid-range dinner for two. Groceries echo the gap at $206 vs $343 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇫🇮 Lohja

🕒 Local time

09:12 9:12 AM

04:12 4:12 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

45,654

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 16, 2026: 1 USD = 63.02 PHP (100 PHP = 1.59 USD). 1 EUR = 70.65 PHP (100 PHP = 1.42 EUR).

Euro exchange rates as of October 16, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Lohja 9,550 km ≈ 12 h nonstop flight

From you

Cebu
Lohja

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 Lohja: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 7% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 883% lower in Lohja. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 66% higher in Lohja. 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 $981 in Lohja – a 7% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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

Safety-wise, Cebu and Lohja 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 7% less than in Lohja. Beyond cost, consider language, visa policies, and how big the international community is in each city.