Last update: Oct 2026

Cost of Living Comparison Between Cebu and Loznica

For one person, living is cheaper in Loznica: $765 a month against $918 in Cebu, rent and utilities included – about $1,800 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
37

Cost of Living Index in Loznica
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Loznica Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Loznica

🇷🇸 Serbia

$765

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Loznica

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

Monthly costs for one person with rent: $918 in Cebu versus $765 in Loznica.

Cebu $918
Loznica $765

Estimated couple costs with rent: $1,409 in Cebu versus $1,168 in Loznica.

Cebu $1,409
Loznica $1,168

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,572 in Loznica.

Cebu $1,900
Loznica $1,572

Living in Cebu is roughly 20% more expensive than in Loznica, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Loznica 43% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.57 RSD 372

-13.45%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$32.79 RSD 3,418

-26.14%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$11.11 RSD 1,158

-64.72%

Cappuccino

$2.51 ₱158

$1.55 RSD 162

61.94%

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

$1.59 ₱100

$1.84 RSD 192

-13.59%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.68 RSD 175

-68.45%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.36 RSD 246

-24.58%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.83 RSD 295

-23.32%

Milk (1 liter)

$1.92 ₱121

$1.04 RSD 108

84.62%

White Bread (500g)

$1.36 ₱85.4

$0.54 RSD 56.5

151.85%

Rice (white) (1kg)

$1.01 ₱63.5

$1.36 RSD 141

-25.74%

Eggs

$2.03 ₱128

$1.89 RSD 197

7.41%

Local Cheese (1kg)

$9.86 ₱621

$7.95 RSD 829

24.03%

Chicken Fillets (1kg)

$4.39 ₱277

$5.83 RSD 608

-24.70%

Beef Round Steak (1kg)

$7.60 ₱479

$9.34 RSD 973

-18.63%

Apples (1kg)

$3.30 ₱208

$0.88 RSD 91.3

275.00%

Banana (1kg)

$1.39 ₱87.8

$1.62 RSD 169

-14.20%

Oranges (1kg)

$2.33 ₱147

$1.17 RSD 122

99.15%

Tomato (1kg)

$1.50 ₱94.3

$1.20 RSD 125

25.00%

Potato (1kg)

$2.36 ₱149

$1.03 RSD 108

129.13%

Onion (1kg)

$1.90 ₱119

$0.61 RSD 63.4

211.48%

Lettuce (1 head)

$1.19 ₱74.9

$0.58 RSD 60.0

105.17%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.46 RSD 47.87

36.96%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.03 RSD 420

-25.56%

Wine (Bottle)

$6.03 ₱379

$4.57 RSD 477

31.95%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.81 RSD 84.4

51.85%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.33 RSD 243

-24.89%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.99 RSD 103

-74.75%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.95 RSD 203

-60.51%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.06 RSD 111

-78.30%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$6.55 RSD 682

-31.91%

Gasoline (1 liter)

$1.31 ₱82.8

$1.86 RSD 194

-29.57%

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

$21.2K ₱1.3M

$30.6K RSD 3.2M

-30.65%

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

$19.1K ₱1.2M

$25.5K RSD 2.7M

-24.90%

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

$120 ₱7,569

$109 RSD 11.3K

10.64%

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

$14.00 ₱882

$15.76 RSD 1,643

-11.17%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$16.35 RSD 1,705

68.44%

Gym Membership (Monthly)

$32.33 ₱2,035

$17.61 RSD 1,836

83.59%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$4.80 RSD 500

17.71%

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

$275 ₱17.3K

$170 RSD 17.7K

62.25%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$7,534 RSD 785.4K

5.09%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$43.43 RSD 4,528

13.59%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$22.37 RSD 2,332

12.83%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$92.0 RSD 9,594

-16.38%

Men's Leather Business Shoes

$57.2 ₱3,601

$52.4 RSD 5,461

9.18%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$290 RSD 30.2K

72.21%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$214 RSD 22.3K

44.09%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$462 RSD 48.2K

133.30%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$367 RSD 38.3K

67.62%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,463 RSD 152.6K

97.20%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,571 RSD 163.8K

21.98%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$527 RSD 54.9K

-34.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.79

50.31%

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

Last update for Cebu: October 12, 2026

Last update for Loznica: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Loznica

$214 28% 30.6% $94

Groceries & Markets

Cebu

$206 22.4%

Loznica

$165 21.5% 20.1% $41

Monthly Utilities & Internet

Cebu

$162 17.6%

Loznica

$141 18.4% 13% $21

Clothing & Footwear

Cebu

$94 10.2%

Loznica

$95 12.4% 0.7% $0.7

Eating Out

Cebu

$88 9.6%

Loznica

$112 14.7% 27% $24

Sport & Entertainment

Cebu

$44 4.8%

Loznica

$27 3.6% 37.6% $16

Getting Around

Cebu

$16 1.7%

Loznica

$11 * 1.5% 28.1% $4.4

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 $500 in Cebu and $290 in Loznica. Housing cost is often the main lever when comparing two cities.

Loznica pays 52% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $24.00 in Cebu vs $33.00 in Loznica. Groceries flip the comparison at $206 vs $165, with Loznica cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇷🇸 Loznica

🕒 Local time

06:47 6:47 AM

00:47 12:47 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

19,515

💱 Currency

Philippine Peso PHP ₱

Serbian Dinar RSD din

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 RSD = 9.59 USD

1,000 RSD = 8.53 EUR

Exchange rates and currency converter

RSD, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Serbian Dinar exchange rates as of October 17, 2026: 1 USD = 104 RSD (1,000 RSD = 9.59 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Loznica 10,340 km ≈ 13 h nonstop flight

From you

Cebu
Loznica

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 Loznica: Cost of Living - Frequently Asked Questions

Loznica is cheaper overall, especially in groceries, leisure, and utilities. The 20% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 52% lower in Loznica. 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: $500 in Cebu versus $290 in Loznica. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 25% higher in Cebu. 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 $765 in Loznica – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Loznica 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 Loznica 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 Loznica gentler on the wallet – expenses run 20% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.