Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ludza

For one person, living costs are similar in Cebu and in Ludza: $915 and $955 a month, rent and utilities included.

44

Cost of Living Index in Cebu
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Cebu Living Index
46

Cost of Living Index in Ludza
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Ludza Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Ludza

🇱🇻 Latvia

$955

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ludza

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

Monthly costs for one person with rent: $915 in Cebu versus $955 in Ludza.

Cebu $915
Ludza $955

Estimated couple costs with rent: $1,418 in Cebu versus $1,505 in Ludza.

Cebu $1,418
Ludza $1,505

Monthly costs for a family of three with rent: $1,921 in Cebu versus $2,055 in Ludza.

Cebu $1,921
Ludza $2,055

Living in Cebu costs roughly 4% less than in Ludza, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 33% lower, Ludza 30% lower.

Meal at Budget Restaurant

$3.05 ₱192

$7.89 €7.02

-61.34%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$68.2 €60.7

-64.83%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$9.45 €8.40

-57.78%

Cappuccino

$2.50 ₱157

$3.62 €3.22

-30.94%

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

$1.54 ₱97.1

$1.58 €1.40

-2.53%

Water (0.33 liter bottle)

$0.50 ₱31.37

$1.15 €1.03

-56.52%

Local Beer (0.5 liter draught)

$1.78 ₱112

$5.53 €4.91

-67.81%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$5.12 €4.55

-57.62%

Milk (1 liter)

$2.00 ₱126

$1.20 €1.07

66.67%

White Bread (500g)

$1.37 ₱86.2

$1.50 €1.33

-8.67%

Rice (white) (1kg)

$1.03 ₱64.9

$2.41 €2.14

-57.26%

Eggs

$2.03 ₱128

$3.73 €3.32

-45.58%

Local Cheese (1kg)

$10.20 ₱642

$10.67 €9.49

-4.40%

Chicken Fillets (1kg)

$4.45 ₱280

$8.72 €7.76

-48.97%

Beef Round Steak (1kg)

$7.67 ₱483

$13.98 €12.44

-45.14%

Apples (1kg)

$3.31 ₱208

$0.67 €0.60

394.03%

Banana (1kg)

$1.46 ₱91.8

$1.45 €1.29

0.69%

Oranges (1kg)

$2.32 ₱146

$1.79 €1.59

29.61%

Tomato (1kg)

$1.49 ₱94.0

$3.24 €2.88

-54.01%

Potato (1kg)

$2.34 ₱147

$0.83 €0.74

181.93%

Onion (1kg)

$1.94 ₱122

$0.90 €0.80

115.56%

Lettuce (1 head)

$1.16 ₱73.0

$1.69 €1.51

-31.36%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.90 €0.80

-24.44%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$6.78 €6.03

-55.90%

Wine (Bottle)

$6.24 ₱393

$7.92 €7.04

-21.21%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.97 €1.75

-37.56%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.07 €1.84

-16.43%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$2.28 €2.03

-89.91%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$3.32 €2.95

-76.20%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$1.01 €0.90

-78.22%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$17.39 €15.47

-73.89%

Gasoline (1 liter)

$1.32 ₱82.9

$1.86 €1.66

-29.03%

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

$21.0K ₱1.3M

$27.2K €24.2K

-22.72%

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

$19.4K ₱1.2M

$30.7K €27.3K

-36.84%

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

$119 ₱7,464

$285 €253

-58.37%

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

$14.22 ₱896

$19.76 €17.57

-28.04%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$19.92 €17.72

37.90%

Gym Membership (Monthly)

$32.31 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$5.40 ₱340

$11.29 €10.04

-52.17%

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

$276 ₱17.4K

$675 €601

-59.12%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$18.0K €16.0K

-56.32%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$69.0 €61.4

-28.48%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$49.26 €43.82

-50.10%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$77.6 €69.0

-1.26%

Men's Leather Business Shoes

$58.9 ₱3,706

$139 €124

-57.80%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$620 €551

-45.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.77

50.94%

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

Last update for Cebu: October 19, 2026

Last update for Ludza: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Ludza

- * 0% 100%

Groceries & Markets

Cebu

$210 22.9%

Ludza

$256 26.8% 22.2% $46

Monthly Utilities & Internet

Cebu

$160 17.5%

Ludza

$324 34% 103% $164

Clothing & Footwear

Cebu

$94 10.3%

Ludza

$151 15.8% 60.1% $57

Eating Out

Cebu

$88 9.6%

Ludza

$184 19.2% 109% $96

Sport & Entertainment

Cebu

$43 4.7%

Ludza

$23 * 2.4% 47.6% $21

Getting Around

Cebu

$15 1.7%

Ludza

$18 * 1.8% 15.6% $2.4

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

Cost Breakdown

Ludza pays 84% 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 $68.0 in Ludza for a mid-range dinner for two. Groceries echo the gap at $210 vs $256 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇱🇻 Ludza

🕒 Local time

04:43 4:43 AM

23:43 11:43 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

8,500

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 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 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Ludza 9,430 km ≈ 12 h nonstop flight

From you

Cebu
Ludza

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 Ludza: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 4% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 84% lower in Ludza. 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 22% higher in Ludza. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $915 per month in Cebu versus $955 in Ludza – a 4% 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 Ludza, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Ludza 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 4% less than in Ludza. Beyond cost, consider language, visa policies, and how big the international community is in each city.