Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ludvika

For one person, living is cheaper in Cebu: $918 a month against $1,544 in Ludvika, rent and utilities included – about $7,500 less a year. Other living expenses account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
75

Cost of Living Index in Ludvika
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Ludvika Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Ludvika

🇸🇪 Sweden

$1,544

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ludvika

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

Monthly costs for one person with rent: $918 in Cebu versus $1,544 in Ludvika.

Cebu $918
Ludvika $1,544

Estimated couple costs with rent: $1,409 in Cebu versus $2,587 in Ludvika.

Cebu $1,409
Ludvika $2,587

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,629 in Ludvika.

Cebu $1,900
Ludvika $3,629

Living in Cebu costs roughly 41% less than in Ludvika, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Cebu is 32% below, Ludvika is 14% above.

Meal at Budget Restaurant

$3.09 ₱194

$13.65 SEK 135

-77.36%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$65.3 SEK 647

-62.93%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.70 SEK 96.2

-59.59%

Cappuccino

$2.51 ₱158

$4.29 SEK 42.50

-41.49%

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

$1.59 ₱100

$2.54 SEK 25.17

-37.40%

Water (0.33 liter bottle)

$0.53 ₱33.43

$2.22 SEK 21.97

-76.13%

Local Beer (0.5 liter draught)

$1.78 ₱112

$6.88 SEK 68.2

-74.13%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$7.00 SEK 69.3

-69.00%

Milk (1 liter)

$1.92 ₱121

$1.68 SEK 16.63

14.29%

White Bread (500g)

$1.36 ₱85.4

$2.69 SEK 26.61

-49.44%

Rice (white) (1kg)

$1.01 ₱63.5

$3.80 SEK 37.67

-73.42%

Eggs

$2.03 ₱128

$5.05 SEK 50.0

-59.80%

Local Cheese (1kg)

$9.86 ₱621

$13.20 SEK 131

-25.30%

Chicken Fillets (1kg)

$4.39 ₱277

$12.86 SEK 127

-65.86%

Beef Round Steak (1kg)

$7.60 ₱479

$27.00 SEK 268

-71.85%

Apples (1kg)

$3.30 ₱208

$3.12 SEK 30.87

5.77%

Banana (1kg)

$1.39 ₱87.8

$3.41 SEK 33.83

-59.24%

Oranges (1kg)

$2.33 ₱147

$3.52 SEK 34.84

-33.81%

Tomato (1kg)

$1.50 ₱94.3

$4.19 SEK 41.49

-64.20%

Potato (1kg)

$2.36 ₱149

$1.40 SEK 13.92

68.57%

Onion (1kg)

$1.90 ₱119

$1.72 SEK 17.00

10.47%

Lettuce (1 head)

$1.19 ₱74.9

$2.18 SEK 21.63

-45.41%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.45 SEK 14.41

-56.55%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$7.15 SEK 70.8

-58.04%

Wine (Bottle)

$6.03 ₱379

$10.05 SEK 99.6

-40.00%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.92 SEK 18.99

-35.94%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.25 SEK 22.31

-22.22%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$13.11 SEK 130

-94.13%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.96 SEK 19.43

-88.27%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$79.6 SEK 789

-94.40%

Gasoline (1 liter)

$1.31 ₱82.8

$1.76 SEK 17.39

-25.57%

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

$21.2K ₱1.3M

$33.5K SEK 331.8K

-36.56%

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

$19.1K ₱1.2M

$32.1K SEK 318.0K

-40.34%

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

$120 ₱7,569

$97.8 SEK 969

22.88%

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

$14.00 ₱882

$19.65 SEK 195

-28.75%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$46.53 SEK 461

-40.81%

Gym Membership (Monthly)

$32.33 ₱2,035

$29.93 SEK 297

8.02%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$49.60 SEK 492

-86.59%

Cinema Ticket

$5.65 ₱356

$16.10 SEK 160

-64.91%

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

$275 ₱17.3K

$216 SEK 2,138

27.61%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$99.6 SEK 987

-50.47%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$52.5 SEK 520

-51.90%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$93.8 SEK 929

-17.94%

Men's Leather Business Shoes

$57.2 ₱3,601

$213 SEK 2,113

-73.18%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$448 SEK 4,439

11.49%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$428 SEK 4,241

-27.85%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$945 SEK 9,362

14.08%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$980 SEK 9,712

-37.24%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$3,711 SEK 36.8K

-90.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.8

157.14%

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

Last update for Cebu: October 12, 2026

Last update for Ludvika: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Ludvika

$428 27.7% 38.6% $119

Groceries & Markets

Cebu

$206 22.4%

Ludvika

$403 26.1% 95.8% $197

Monthly Utilities & Internet

Cebu

$162 17.6%

Ludvika

$164 10.6% 1.4% $2.2

Clothing & Footwear

Cebu

$94 10.2%

Ludvika

$207 13.4% 120% $113

Eating Out

Cebu

$88 9.6%

Ludvika

$257 16.7% 191% $169

Sport & Entertainment

Cebu

$44 4.8%

Ludvika

$62 4% 42.4% $19

Getting Around

Cebu

$16 1.7%

Ludvika

$23 * 1.5% 47.1% $7.3

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 $448 in Ludvika. Housing cost is often the main lever when comparing two cities.

Ludvika pays 973% 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 $65.0 in Ludvika for a mid-range dinner for two. Groceries echo the gap at $206 vs $403 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇸🇪 Ludvika

🕒 Local time

20:29 8:29 PM

14:29 2:29 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

26,343

💱 Currency

Philippine Peso PHP ₱

Swedish Krona SEK kr

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 SEK = 10.09 USD

100 SEK = 8.98 EUR

Exchange rates and currency converter

SEK, 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).

Swedish Krona exchange rates as of October 18, 2026: 1 USD = 9.91 SEK (1 SEK = 0.101 USD). 1 EUR = 11.14 SEK (100 SEK = 8.98 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Ludvika 10,040 km ≈ 13 h nonstop flight

From you

Cebu
Ludvika

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 Ludvika: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 68% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 973% lower in Ludvika. 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 $448 in Ludvika. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 96% higher in Ludvika. 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 $1,544 in Ludvika – a 68% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,544 in Ludvika, a $1,500 budget is realistic in Cebu but tight or insufficient in Ludvika. 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 Ludvika, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Ludvika 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 68% less than in Ludvika. Beyond cost, consider language, visa policies, and how big the international community is in each city.