Last update: Oct 2026

Cost of Living Comparison Between Cebu and Mumbai (Bombay)

For one person, living is cheaper in Mumbai (Bombay): $769 a month against $934 in Cebu, rent and utilities included – about $2,000 less a year. Other living expenses account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
38

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Mumbai (Bombay)

🇮🇳 India

$769

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Mumbai (Bombay)

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 Mumbai (Bombay) actually costs, broken down by who's living it.

Monthly costs for one person with rent: $934 in Cebu versus $769 in Mumbai (Bombay).

Cebu $934
Mumbai (Bombay) $769

Estimated couple costs with rent: $1,415 in Cebu versus $1,281 in Mumbai (Bombay).

Cebu $1,415
Mumbai (Bombay) $1,281

Monthly costs for a family of three with rent: $1,896 in Cebu versus $1,793 in Mumbai (Bombay).

Cebu $1,896
Mumbai (Bombay) $1,793

Living in Cebu is roughly 22% more expensive than in Mumbai (Bombay), and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Mumbai (Bombay) 43% lower.

Meal at Budget Restaurant

$3.03 ₱191

$5.29 ₹512

-42.72%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,476

$21.16 ₹2,048

10.96%

Fast Food Meal (McDonalds, etc)

$4.09 ₱257

$4.08 ₹394

0.25%

Cappuccino

$2.52 ₱158

$2.61 ₹253

-3.45%

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

$1.54 ₱97.2

$0.36 ₹35.00

327.78%

Water (0.33 liter bottle)

$0.49 ₱31.06

$0.13 ₹12.56

276.92%

Local Beer (0.5 liter draught)

$1.79 ₱113

$2.63 ₹255

-31.94%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$4.12 ₹398

-45.15%

Milk (1 liter)

$1.95 ₱122

$0.73 ₹70.5

167.12%

White Bread (500g)

$1.43 ₱89.9

$0.50 ₹48.39

186.00%

Rice (white) (1kg)

$1.02 ₱64.0

$0.76 ₹73.6

34.21%

Eggs

$2.06 ₱129

$1.00 ₹96.9

106.00%

Local Cheese (1kg)

$9.81 ₱617

$5.56 ₹538

76.44%

Chicken Fillets (1kg)

$4.61 ₱290

$3.60 ₹349

28.06%

Beef Round Steak (1kg)

$7.70 ₱484

Apples (1kg)

$3.31 ₱208

$2.15 ₹208

53.95%

Banana (1kg)

$1.45 ₱91.2

$0.72 ₹69.8

101.39%

Oranges (1kg)

$2.36 ₱148

$1.24 ₹120

90.32%

Tomato (1kg)

$1.54 ₱96.6

$0.50 ₹48.21

208.00%

Potato (1kg)

$2.36 ₱148

$0.34 ₹32.59

594.12%

Onion (1kg)

$1.99 ₱125

$0.37 ₹35.51

437.84%

Lettuce (1 head)

$1.15 ₱72.3

$0.44 ₹42.60

161.36%

Water (1.5 liter bottle)

$0.67 ₱42.26

$0.28 ₹26.87

139.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.08 ₹491

-40.94%

Wine (Bottle)

$6.35 ₱399

$8.32 ₹805

-23.68%

Local Beer (0.5 liter bottle)

$1.31 ₱82.1

$1.94 ₹188

-32.47%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$3.07 ₹297

-43.65%

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

$6.16 ₹596

One-way Ticket (Public Transport)

$0.25 ₱15.82

$0.22 ₹21.29

13.64%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱796

$5.61 ₹543

125.49%

Taxi Start (Normal Tariff)

$0.74 ₱46.44

$0.31 ₹29.53

138.71%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.15

$0.33 ₹31.47

-36.36%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$1.54 ₹149

181.17%

Gasoline (1 liter)

$1.33 ₱83.7

$1.15 ₹111

15.65%

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

$21.8K ₱1.4M

$15.7K ₹1.5M

38.38%

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

$19.4K ₱1.2M

$21.8K ₹2.1M

-11.12%

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

$121 ₱7,583

$60.7 ₹5,877

98.58%

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

$14.45 ₱909

$4.39 ₹425

229.16%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,779

$8.80 ₹852

221.48%

Gym Membership (Monthly)

$32.68 ₱2,055

$26.08 ₹2,525

25.31%

Tennis Court (1 Hour on Weekend)

$6.39 ₱402

$13.19 ₹1,277

-51.55%

Cinema Ticket

$5.46 ₱343

$4.49 ₹434

21.60%

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

$273 ₱17.2K

$114 ₹11.0K

140.23%

International Primary School, 1 Child (Yearly)

$8,156 ₱512.9K

$5,082 ₹491.9K

60.48%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,117

$36.13 ₹3,497

37.20%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,564

$39.96 ₹3,867

-37.76%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,817

$54.5 ₹5,270

40.66%

Men's Leather Business Shoes

$59.3 ₱3,727

$47.98 ₹4,644

23.51%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.8K

$598 ₹57.9K

-15.50%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$344 ₹33.3K

-10.09%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.1K

$1,797 ₹173.9K

-41.47%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.9K

$866 ₹83.8K

-28.48%

Buy Apartment in City Center (m2)

$2,915 ₱183.4K

$5,811 ₹562.3K

-49.82%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.4K

$2,418 ₹234.0K

-22.77%

Average Monthly Net Salary (After Tax)

$341 ₱21.5K

$768 ₹74.4K

-55.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.29

-13.15%

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

Last update for Cebu: October 5, 2026

Last update for Mumbai (Bombay): October 3, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Mumbai (Bombay)

$344 44.9% 11.2% $35

Groceries & Markets

Cebu

$210 22.7%

Mumbai (Bombay)

$116 15.1% 44.9% $94

Monthly Utilities & Internet

Cebu

$163 17.7%

Mumbai (Bombay)

$74 9.6% 54.7% $89

Clothing & Footwear

Cebu

$95 10.2%

Mumbai (Bombay)

$80 10.5% 15.1% $14

Eating Out

Cebu

$88 9.6%

Mumbai (Bombay)

$109 14.2% 23.6% $21

Sport & Entertainment

Cebu

$44 4.7%

Mumbai (Bombay)

$35 4.6% 19.6% $8.5

Getting Around

Cebu

$15 1.7%

Mumbai (Bombay)

$8.4 1.1% 45.5% $7

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $598 in Mumbai (Bombay). Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 125% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Cebu vs $21.00 in Mumbai (Bombay) for a mid-range dinner for two. Groceries echo the gap at $210 vs $116 per month, with Mumbai (Bombay) cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Mumbai (Bombay)

🕒 Local time

09:39 9:39 AM

07:09 7:09 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

12,442,373

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1,000 INR = 10.33 USD

1,000 INR = 9.21 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 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Mumbai (Bombay) 5,560 km ≈ 7 h nonstop flight

From you

Cebu
Mumbai (Bombay)

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 Mumbai (Bombay): Cost of Living - Frequently Asked Questions

Mumbai (Bombay) is cheaper overall, especially in groceries, clothing, and leisure. The 22% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 125% lower in Mumbai (Bombay). 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: $506 in Cebu versus $598 in Mumbai (Bombay). Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $769 in Mumbai (Bombay) – a 22% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Mumbai (Bombay) runs roughly 125% 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 Mumbai (Bombay) gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Mumbai (Bombay) 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 Mumbai (Bombay) 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 Mumbai (Bombay) gentler on the wallet – expenses run 22% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.