Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ludhiana

For one person, living is cheaper in Ludhiana: $473 a month against $918 in Cebu, rent and utilities included – about $5,300 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
23

Cost of Living Index in Ludhiana
Learn more

Ludhiana Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Ludhiana

🇮🇳 India

$473

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ludhiana

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

Monthly costs for one person with rent: $918 in Cebu versus $473 in Ludhiana.

Cebu $918
Ludhiana $473

Estimated couple costs with rent: $1,409 in Cebu versus $814 in Ludhiana.

Cebu $1,409
Ludhiana $814

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,156 in Ludhiana.

Cebu $1,900
Ludhiana $1,156

Living in Cebu is roughly 94% more expensive than in Ludhiana, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Ludhiana 65% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.33 ₹316

-7.21%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$10.62 ₹1,009

128.06%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.61 ₹343

8.59%

Cappuccino

$2.51 ₱158

$1.99 ₹189

26.13%

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

$1.59 ₱100

$0.40 ₹38.42

297.50%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.23 ₹21.69

130.43%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.69 ₹161

5.33%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.56 ₹338

-39.04%

Milk (1 liter)

$1.92 ₱121

$0.74 ₹69.8

159.46%

White Bread (500g)

$1.36 ₱85.4

$0.51 ₹48.89

166.67%

Rice (white) (1kg)

$1.01 ₱63.5

$0.84 ₹79.5

20.24%

Eggs

$2.03 ₱128

$0.83 ₹78.4

144.58%

Local Cheese (1kg)

$9.86 ₱621

$3.80 ₹361

159.47%

Chicken Fillets (1kg)

$4.39 ₱277

$3.07 ₹291

43.00%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$2.02 ₹192

63.37%

Banana (1kg)

$1.39 ₱87.8

$0.63 ₹59.4

120.63%

Oranges (1kg)

$2.33 ₱147

$0.80 ₹75.8

191.25%

Tomato (1kg)

$1.50 ₱94.3

$0.38 ₹36.45

294.74%

Potato (1kg)

$2.36 ₱149

$0.28 ₹26.63

742.86%

Onion (1kg)

$1.90 ₱119

$0.29 ₹27.14

555.17%

Lettuce (1 head)

$1.19 ₱74.9

$0.43 ₹41.27

176.74%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.33 ₹31.15

90.91%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.48 ₹331

-13.79%

Wine (Bottle)

$6.03 ₱379

$12.47 ₹1,184

-51.64%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.78 ₹169

-30.90%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.10 ₹294

-43.55%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$8.04 ₹764

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.54 ₹51.3

-53.70%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$15.43 ₹1,466

-18.08%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.59 ₹151

-51.57%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.41 ₹38.64

-43.90%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.06 ₹196

116.50%

Gasoline (1 liter)

$1.31 ₱82.8

$1.10 ₹104

19.09%

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

$21.2K ₱1.3M

$16.9K ₹1.6M

26.05%

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

$19.1K ₱1.2M

$22.3K ₹2.1M

-14.04%

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

$120 ₱7,569

$53.1 ₹5,040

126.51%

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

$14.00 ₱882

$3.05 ₹290

359.02%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$5.73 ₹545

380.63%

Gym Membership (Monthly)

$32.33 ₱2,035

$15.19 ₹1,442

112.84%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$4.66 ₹443

42.70%

Cinema Ticket

$5.65 ₱356

$3.69 ₹351

53.12%

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

$275 ₱17.3K

$71.8 ₹6,814

283.65%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,428 ₹135.6K

454.45%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$21.52 ₹2,044

129.23%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$39.84 ₹3,783

-36.65%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$69.1 ₹6,566

11.31%

Men's Leather Business Shoes

$57.2 ₱3,601

$36.19 ₹3,437

58.05%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$172 ₹16.4K

190.03%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$101 ₹9,603

205.37%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$419 ₹39.8K

157.31%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$388 ₹36.8K

58.56%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$599 ₹56.9K

381.64%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$489 ₹46.4K

292.08%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$424 ₹40.3K

-18.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

9.17

-21.48%

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

Last update for Cebu: October 12, 2026

Last update for Ludhiana: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Ludhiana

$101 21.4% 67.3% $208

Groceries & Markets

Cebu

$206 22.4%

Ludhiana

$112 23.7% 45.6% $94

Monthly Utilities & Internet

Cebu

$162 17.6%

Ludhiana

$62 13.1% 61.8% $100

Clothing & Footwear

Cebu

$94 10.2%

Ludhiana

$75 15.9% 20.1% $19

Eating Out

Cebu

$88 9.6%

Ludhiana

$79 16.8% 10% $8.8

Sport & Entertainment

Cebu

$44 4.8%

Ludhiana

$23 4.8% 48.2% $21

Getting Around

Cebu

$16 1.7%

Ludhiana

$21 4.5% 36.3% $5.6

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $172 in Ludhiana. Housing cost is often the main lever when comparing two cities.

Ludhiana pays 23% 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 $11.00 in Ludhiana for a mid-range dinner for two. Groceries echo the gap at $206 vs $112 per month, with Ludhiana cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Ludhiana

🕒 Local time

08:23 8:23 AM

05:53 5:53 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

2,232,000

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

INR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 18, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Ludhiana 5,450 km ≈ 7 h nonstop flight

From you

Cebu
Ludhiana

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 Ludhiana: Cost of Living - Frequently Asked Questions

Ludhiana is cheaper overall, especially in groceries, clothing, and eating out. The 94% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 23% lower in Ludhiana. 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 $172 in Ludhiana. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $473 in Ludhiana – a 94% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ludhiana runs roughly 22% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

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

For families, Ludhiana 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 Ludhiana 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 Ludhiana gentler on the wallet – expenses run 94% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.