Last update: Oct 2026

Cost of Living Comparison Between Cebu and Moga

For one person, living is cheaper in Moga: $331 a month against $918 in Cebu, rent and utilities included – about $7,000 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
16

Cost of Living Index in Moga
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Moga Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Moga

🇮🇳 India

$331

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Moga

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

Monthly costs for one person with rent: $918 in Cebu versus $331 in Moga.

Cebu $918
Moga $331

Estimated couple costs with rent: $1,409 in Cebu versus $530 in Moga.

Cebu $1,409
Moga $530

Monthly costs for a family of three with rent: $1,900 in Cebu versus $729 in Moga.

Cebu $1,900
Moga $729

Living in Cebu is roughly 177% more expensive than in Moga, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Moga 75% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.05 ₹290

1.31%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$10.27 ₹975

135.83%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.71 ₹352

5.66%

Cappuccino

$2.51 ₱158

$1.96 ₹186

28.06%

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

$1.59 ₱100

$0.39 ₹36.75

307.69%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.13 ₹12.16

307.69%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.90 ₹180

-6.32%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.92 ₹277

-25.68%

Milk (1 liter)

$1.92 ₱121

$0.66 ₹62.6

190.91%

White Bread (500g)

$1.36 ₱85.4

$0.41 ₹38.84

231.71%

Rice (white) (1kg)

$1.01 ₱63.5

$0.60 ₹56.5

68.33%

Eggs

$2.03 ₱128

$0.83 ₹78.5

144.58%

Local Cheese (1kg)

$9.86 ₱621

$4.16 ₹395

137.02%

Chicken Fillets (1kg)

$4.39 ₱277

$3.14 ₹298

39.81%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$0.66 ₹62.4

400.00%

Banana (1kg)

$1.39 ₱87.8

$0.54 ₹51.6

157.41%

Oranges (1kg)

$2.33 ₱147

$0.67 ₹63.6

247.76%

Tomato (1kg)

$1.50 ₱94.3

$0.45 ₹42.26

233.33%

Potato (1kg)

$2.36 ₱149

$0.28 ₹26.18

742.86%

Onion (1kg)

$1.90 ₱119

$0.34 ₹31.91

458.82%

Lettuce (1 head)

$1.19 ₱74.9

$0.45 ₹42.80

164.44%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.29 ₹27.80

117.24%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.99 ₹474

-39.88%

Wine (Bottle)

$6.03 ₱379

$9.87 ₹937

-38.91%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.48 ₹140

-16.89%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.07 ₹197

-15.46%

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

$4.89 ₹464

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.25 ₹23.65

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$6.47 ₹614

95.36%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.07 ₹102

-28.04%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.32 ₹30.71

-28.13%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$1.61 ₹153

177.02%

Gasoline (1 liter)

$1.31 ₱82.8

$1.05 ₹99.5

24.76%

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

$21.2K ₱1.3M

$13.2K ₹1.3M

60.59%

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

$19.1K ₱1.2M

$17.9K ₹1.7M

7.19%

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

$120 ₱7,569

$30.96 ₹2,940

288.34%

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

$14.00 ₱882

$3.13 ₹297

347.28%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$7.42 ₹705

271.16%

Gym Membership (Monthly)

$32.33 ₱2,035

$13.90 ₹1,320

132.59%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$6.40 ₹608

3.91%

Cinema Ticket

$5.65 ₱356

$3.69 ₹350

53.12%

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

$275 ₱17.3K

$31.84 ₹3,023

764.67%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$767 ₹72.8K

932.27%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$25.09 ₹2,383

96.61%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$28.26 ₹2,683

-10.69%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$38.74 ₹3,679

98.66%

Men's Leather Business Shoes

$57.2 ₱3,601

$39.44 ₹3,745

45.03%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$56.6 ₹5,374

782.70%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$28.27 ₹2,684

992.39%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$127 ₹12.1K

748.29%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$84.6 ₹8,036

626.95%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$908 ₹86.2K

218.01%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$537 ₹51.0K

256.79%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$206 ₹19.5K

68.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.88

-18.92%

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

Last update for Cebu: October 12, 2026

Last update for Moga: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Moga

$28 8.5% 90.8% $281

Groceries & Markets

Cebu

$206 22.4%

Moga

$94 28.4% 54.3% $112

Monthly Utilities & Internet

Cebu

$162 17.6%

Moga

$42 12.6% 74.3% $120

Clothing & Footwear

Cebu

$94 10.2%

Moga

$59 17.9% 37% $35

Eating Out

Cebu

$88 9.6%

Moga

$76 23.1% 13.4% $12

Sport & Entertainment

Cebu

$44 4.8%

Moga

$21 6.4% 51.2% $22

Getting Around

Cebu

$16 1.7%

Moga

$10 3.1% 34.8% $5.4

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $56.6 in Moga. Housing cost is often the main lever when comparing two cities.

Cebu pays 68% 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 $10.00 in Moga for a mid-range dinner for two. Groceries echo the gap at $206 vs $94.0 per month, with Moga cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Moga

🕒 Local time

07:37 7:37 AM

05:07 5:07 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

150,411

💱 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 17, 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 17, 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

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Between locations

Cebu Moga 5,510 km ≈ 7 h nonstop flight

From you

Cebu
Moga

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 Moga: Cost of Living - Frequently Asked Questions

Moga is cheaper overall, especially in groceries, clothing, and eating out. The 177% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 68% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $500 in Cebu versus $56.6 in Moga. 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 $331 in Moga – a 177% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Moga runs roughly 95% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

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

For families, Moga 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 Moga 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 Moga gentler on the wallet – expenses run 177% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.