Last update: Oct 2026

Cost of Living Comparison Between Cebu and Moradabad

For one person, living is cheaper in Moradabad: $332 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
Learn more

Cebu Living Index
16

Cost of Living Index in Moradabad
Learn more

Moradabad Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Moradabad

🇮🇳 India

$332

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Moradabad

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

Monthly costs for one person with rent: $918 in Cebu versus $332 in Moradabad.

Cebu $918
Moradabad $332

Estimated couple costs with rent: $1,409 in Cebu versus $561 in Moradabad.

Cebu $1,409
Moradabad $561

Monthly costs for a family of three with rent: $1,900 in Cebu versus $790 in Moradabad.

Cebu $1,900
Moradabad $790

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

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

Meal at Budget Restaurant

$3.09 ₱194

$2.07 ₹197

49.28%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$12.90 ₹1,225

87.75%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.08 ₹292

27.27%

Cappuccino

$2.51 ₱158

$1.76 ₹167

42.61%

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

$1.59 ₱100

$0.42 ₹40.08

278.57%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.18 ₹16.70

194.44%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.06 ₹195

-13.59%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.84 ₹174

17.93%

Milk (1 liter)

$1.92 ₱121

$0.71 ₹67.3

170.42%

White Bread (500g)

$1.36 ₱85.4

$0.45 ₹42.48

202.22%

Rice (white) (1kg)

$1.01 ₱63.5

$0.84 ₹79.3

20.24%

Eggs

$2.03 ₱128

$0.86 ₹81.5

136.05%

Local Cheese (1kg)

$9.86 ₱621

$3.66 ₹348

169.40%

Chicken Fillets (1kg)

$4.39 ₱277

$3.26 ₹310

34.66%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$1.62 ₹154

103.70%

Banana (1kg)

$1.39 ₱87.8

$0.68 ₹64.4

104.41%

Oranges (1kg)

$2.33 ₱147

$0.46 ₹43.29

406.52%

Tomato (1kg)

$1.50 ₱94.3

$0.46 ₹43.32

226.09%

Potato (1kg)

$2.36 ₱149

$0.29 ₹27.36

713.79%

Onion (1kg)

$1.90 ₱119

$0.47 ₹44.71

304.26%

Lettuce (1 head)

$1.19 ₱74.9

$0.32 ₹30.40

271.87%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.27 ₹25.85

133.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.09 ₹484

-41.06%

Wine (Bottle)

$6.03 ₱379

$6.33 ₹601

-4.74%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.90 ₹181

-35.26%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.06 ₹290

-42.81%

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

$3.41 ₹324

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.20 ₹18.94

25.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$5.37 ₹510

135.38%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.18 ₹112

-34.75%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.11 ₹10.35

109.09%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.11 ₹200

111.37%

Gasoline (1 liter)

$1.31 ₱82.8

$1.11 ₹105

18.02%

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

$21.2K ₱1.3M

$14.9K ₹1.4M

42.71%

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

$19.1K ₱1.2M

$22.6K ₹2.1M

-15.32%

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

$120 ₱7,569

$33.00 ₹3,134

264.33%

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

$14.00 ₱882

$4.40 ₹418

218.18%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$7.94 ₹754

246.85%

Gym Membership (Monthly)

$32.33 ₱2,035

$12.72 ₹1,208

154.17%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$10.44 ₹991

-36.30%

Cinema Ticket

$5.65 ₱356

$2.68 ₹255

110.82%

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

$275 ₱17.3K

$53.1 ₹5,045

418.18%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,369 ₹130.0K

478.34%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$20.67 ₹1,963

138.66%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$28.17 ₹2,675

-10.40%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$30.82 ₹2,927

149.71%

Men's Leather Business Shoes

$57.2 ₱3,601

$34.57 ₹3,282

65.46%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$76.1 ₹7,224

556.66%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$48.98 ₹4,651

530.50%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$159 ₹15.1K

576.06%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$170 ₹16.1K

261.87%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$986 ₹93.6K

192.74%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$624 ₹59.3K

207.11%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$344 ₹32.6K

0.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.27

-0.96%

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

Last update for Cebu: October 12, 2026

Last update for Moradabad: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Moradabad

$49 14.8% 84.1% $260

Groceries & Markets

Cebu

$206 22.4%

Moradabad

$97 29.1% 53.1% $109

Monthly Utilities & Internet

Cebu

$162 17.6%

Moradabad

$45 13.7% 72% $116

Clothing & Footwear

Cebu

$94 10.2%

Moradabad

$51 15.5% 45.3% $43

Eating Out

Cebu

$88 9.6%

Moradabad

$63 19.1% 28.3% $25

Sport & Entertainment

Cebu

$44 4.8%

Moradabad

$18 5.5% 58.6% $26

Getting Around

Cebu

$16 1.7%

Moradabad

$7.9 2.4% 49.3% $7.7

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $76.1 in Moradabad. Housing cost is often the main lever when comparing two cities.

Cebu pays 1% 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 $13.00 in Moradabad for a mid-range dinner for two. Groceries echo the gap at $206 vs $97.0 per month, with Moradabad cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Moradabad

🕒 Local time

00:07 12:07 AM

21:37 9:37 PM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

721,139

💱 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 = 70.79 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

Lowest

Highest

Between locations

Cebu Moradabad 5,120 km ≈ 7 h nonstop flight

From you

Cebu
Moradabad

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 Moradabad: Cost of Living - Frequently Asked Questions

Moradabad 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 1% 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 $76.1 in Moradabad. 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 $332 in Moradabad – a 177% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Moradabad runs roughly 135% 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 Moradabad gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Moradabad 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 Moradabad 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 Moradabad 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.