Last update: Oct 2026

Cost of Living Comparison Between Cebu and Morbi

For one person, living is cheaper in Morbi: $379 a month against $918 in Cebu, rent and utilities included – about $6,500 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
18

Cost of Living Index in Morbi
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Morbi Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Morbi

🇮🇳 India

$379

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Morbi

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

Monthly costs for one person with rent: $918 in Cebu versus $379 in Morbi.

Cebu $918
Morbi $379

Estimated couple costs with rent: $1,409 in Cebu versus $580 in Morbi.

Cebu $1,409
Morbi $580

Monthly costs for a family of three with rent: $1,900 in Cebu versus $781 in Morbi.

Cebu $1,900
Morbi $781

Living in Cebu is roughly 142% more expensive than in Morbi, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Morbi 72% lower.

Meal at Budget Restaurant

$3.09 ₱194

$1.83 ₹174

68.85%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$8.13 ₹772

197.91%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$2.66 ₹253

47.37%

Cappuccino

$2.51 ₱158

$1.50 ₹142

67.33%

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

$1.59 ₱100

$0.32 ₹30.33

396.88%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.10 ₹9.95

430.00%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.23 ₹117

44.72%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.05 ₹194

5.85%

Milk (1 liter)

$1.92 ₱121

$0.63 ₹60.3

204.76%

White Bread (500g)

$1.36 ₱85.4

$0.46 ₹44.05

195.65%

Rice (white) (1kg)

$1.01 ₱63.5

$0.59 ₹55.8

71.19%

Eggs

$2.03 ₱128

$0.90 ₹85.9

125.56%

Local Cheese (1kg)

$9.86 ₱621

$6.36 ₹604

55.03%

Chicken Fillets (1kg)

$4.39 ₱277

$1.62 ₹154

170.99%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$2.32 ₹220

42.24%

Banana (1kg)

$1.39 ₱87.8

$0.43 ₹40.50

223.26%

Oranges (1kg)

$2.33 ₱147

$1.02 ₹96.9

128.43%

Tomato (1kg)

$1.50 ₱94.3

$0.59 ₹55.8

154.24%

Potato (1kg)

$2.36 ₱149

$0.41 ₹38.68

475.61%

Onion (1kg)

$1.90 ₱119

$0.43 ₹40.70

341.86%

Lettuce (1 head)

$1.19 ₱74.9

$0.48 ₹45.87

147.92%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.31 ₹29.84

103.23%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.79 ₹265

7.53%

Wine (Bottle)

$6.03 ₱379

$5.55 ₹527

8.65%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.61 ₹153

-23.60%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.85 ₹176

-5.41%

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

$5.16 ₹490

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.32 ₹30.70

-21.88%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$7.63 ₹725

65.66%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.50 ₹47.93

54.00%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.25 ₹23.53

-8.00%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$1.27 ₹121

251.18%

Gasoline (1 liter)

$1.31 ₱82.8

$0.93 ₹88.7

40.86%

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

$21.2K ₱1.3M

$13.8K ₹1.3M

53.77%

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

$19.1K ₱1.2M

$12.5K ₹1.2M

52.94%

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

$120 ₱7,569

$57.0 ₹5,413

110.93%

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

$14.00 ₱882

$3.63 ₹345

285.67%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$6.11 ₹580

350.74%

Gym Membership (Monthly)

$32.33 ₱2,035

$19.73 ₹1,874

63.86%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$6.45 ₹612

3.10%

Cinema Ticket

$5.65 ₱356

$3.12 ₹297

81.09%

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

$275 ₱17.3K

$65.6 ₹6,231

319.55%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$1,659 ₹157.5K

377.28%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$23.00 ₹2,184

114.48%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$28.16 ₹2,674

-10.37%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$40.67 ₹3,862

89.23%

Men's Leather Business Shoes

$57.2 ₱3,601

$29.56 ₹2,807

93.50%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$123 ₹11.6K

307.61%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$72.9 ₹6,919

323.85%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$265 ₹25.2K

306.58%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$156 ₹14.8K

294.35%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$994 ₹94.4K

190.34%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$562 ₹53.4K

240.79%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$552 ₹52.4K

-37.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.73

-17.53%

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

Last update for Cebu: October 12, 2026

Last update for Morbi: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Morbi

$73 19.2% 76.4% $236

Groceries & Markets

Cebu

$206 22.4%

Morbi

$96 25.3% 53.4% $110

Monthly Utilities & Internet

Cebu

$162 17.6%

Morbi

$67 17.6% 58.7% $95

Clothing & Footwear

Cebu

$94 10.2%

Morbi

$55 14.4% 41.8% $39

Eating Out

Cebu

$88 9.6%

Morbi

$53 13.9% 40.5% $36

Sport & Entertainment

Cebu

$44 4.8%

Morbi

$26 6.9% 40.4% $18

Getting Around

Cebu

$16 1.7%

Morbi

$11 2.8% 31.5% $4.9

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $123 in Morbi. Housing cost is often the main lever when comparing two cities.

Morbi pays 60% 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 $8.00 in Morbi for a mid-range dinner for two. Groceries echo the gap at $206 vs $96.0 per month, with Morbi cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Morbi

🕒 Local time

12:40 12:40 PM

10:10 10:10 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

194,947

💱 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 19, 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 19, 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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Highest

Between locations

Cebu Morbi 5,790 km ≈ 8 h nonstop flight

From you

Cebu
Morbi

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 Morbi: Cost of Living - Frequently Asked Questions

Morbi is cheaper overall, especially in groceries, clothing, and eating out. The 142% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 60% lower in Morbi. 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 $123 in Morbi. 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 $379 in Morbi – a 142% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Morbi runs roughly 66% 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 Morbi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Morbi 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 Morbi 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 Morbi gentler on the wallet – expenses run 142% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.