Last update: Oct 2026

Cost of Living Comparison Between Cebu and Nago, Okinawa

For one person, living is cheaper in Cebu: $915 a month against $1,231 in Nago, Okinawa, rent and utilities included – about $3,800 less a year. Other living expenses account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
60

Cost of Living Index in Nago, Okinawa
Learn more

Nago, Okinawa Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$915

/mo nomad

Nago, Okinawa

🇯🇵 Japan

$1,231

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Nago, Okinawa

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

Monthly costs for one person with rent: $915 in Cebu versus $1,231 in Nago, Okinawa.

Cebu $915
Nago, Okinawa $1,231

Estimated couple costs with rent: $1,418 in Cebu versus $1,923 in Nago, Okinawa.

Cebu $1,418
Nago, Okinawa $1,923

Monthly costs for a family of three with rent: $1,921 in Cebu versus $2,614 in Nago, Okinawa.

Cebu $1,921
Nago, Okinawa $2,614

Living in Cebu costs roughly 26% less than in Nago, Okinawa, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 33% lower, Nago, Okinawa 9% lower.

Meal at Budget Restaurant

$3.05 ₱192

$6.82 ¥1,077

-55.28%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$35.35 ¥5,586

-32.11%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$5.68 ¥898

-29.75%

Cappuccino

$2.50 ₱157

$3.03 ¥479

-17.49%

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

$1.54 ₱97.1

$1.10 ¥173

40.00%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.76 ¥121

-34.21%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.10 ¥332

-15.24%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$3.05 ¥482

-28.85%

Milk (1 liter)

$2.00 ₱126

$1.52 ¥239

31.58%

White Bread (500g)

$1.37 ₱86.2

$1.64 ¥259

-16.46%

Rice (white) (1kg)

$1.03 ₱64.9

$4.67 ¥738

-77.94%

Eggs

$2.03 ₱128

$2.28 ¥361

-10.96%

Local Cheese (1kg)

$10.20 ₱642

$10.13 ¥1,601

0.69%

Chicken Fillets (1kg)

$4.45 ₱280

$6.15 ¥971

-27.64%

Beef Round Steak (1kg)

$7.67 ₱483

$15.49 ¥2,448

-50.48%

Apples (1kg)

$3.31 ₱208

$5.36 ¥847

-38.25%

Banana (1kg)

$1.46 ₱91.8

$2.55 ¥402

-42.75%

Oranges (1kg)

$2.32 ₱146

$4.13 ¥652

-43.83%

Tomato (1kg)

$1.49 ₱94.0

$4.53 ¥716

-67.11%

Potato (1kg)

$2.34 ₱147

$3.24 ¥511

-27.78%

Onion (1kg)

$1.94 ₱122

$2.56 ¥404

-24.22%

Lettuce (1 head)

$1.16 ₱73.0

$1.38 ¥217

-15.94%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.88 ¥140

-22.73%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$4.26 ¥674

-29.81%

Wine (Bottle)

$6.24 ₱393

$6.50 ¥1,027

-4.00%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.91 ¥302

-35.60%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.37 ¥375

-27.00%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$1.58 ¥250

-85.44%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$56.0 ¥8,840

-77.94%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$3.43 ¥542

-76.97%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$2.87 ¥454

-92.33%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$21.07 ¥3,329

-78.45%

Gasoline (1 liter)

$1.32 ₱82.9

$1.23 ¥194

7.32%

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

$21.0K ₱1.3M

$23.5K ¥3.7M

-10.60%

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

$19.4K ₱1.2M

$16.9K ¥2.7M

15.11%

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

$119 ₱7,464

$139 ¥21.9K

-14.51%

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

$14.22 ₱896

$27.18 ¥4,294

-47.68%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$34.51 ¥5,452

-20.40%

Gym Membership (Monthly)

$32.31 ₱2,034

$57.1 ¥9,012

-43.37%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$13.97 ¥2,207

-53.47%

Cinema Ticket

$5.40 ₱340

$13.04 ¥2,061

-58.59%

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

$276 ₱17.4K

$285 ¥45.0K

-3.04%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$13.5K ¥2.1M

-41.87%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$43.95 ¥6,944

12.33%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$28.96 ¥4,575

-15.12%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$59.0 ¥9,328

29.81%

Men's Leather Business Shoes

$58.9 ₱3,706

$92.2 ¥14.6K

-36.17%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$461 ¥72.8K

9.22%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$328 ¥51.9K

-7.26%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$878 ¥138.6K

22.48%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$659 ¥104.1K

-4.08%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$2,826 ¥446.5K

1.54%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$1,726 ¥272.6K

8.79%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

1.81

297.79%

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

Last update for Cebu: October 19, 2026

Last update for Nago, Okinawa: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Nago, Okinawa

$328 26.7% 7.8% $24

Groceries & Markets

Cebu

$210 22.9%

Nago, Okinawa

$306 24.9% 46.2% $97

Monthly Utilities & Internet

Cebu

$160 17.5%

Nago, Okinawa

$200 16.3% 25% $40

Clothing & Footwear

Cebu

$94 10.3%

Nago, Okinawa

$101 8.2% 7% $6.6

Eating Out

Cebu

$88 9.6%

Nago, Okinawa

$132 10.7% 50.4% $44

Sport & Entertainment

Cebu

$43 4.7%

Nago, Okinawa

$83 6.8% 92.9% $40

Getting Around

Cebu

$15 1.7%

Nago, Okinawa

$80 6.5% 429% $65

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $461 in Nago, Okinawa. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $35.00 in Nago, Okinawa for a mid-range dinner for two. Groceries echo the gap at $210 vs $306 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇯🇵 Nago, Okinawa

🕒 Local time

01:54 1:54 AM

02:54 2:54 AM

1 h ahead of Cebu

🌤 Weather

👥 Population

964,169

63,554

💱 Currency

Philippine Peso PHP ₱

Japanese Yen JPY ¥

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

JPY, USD, EUR 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).

Japanese Yen exchange rates as of October 20, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Nago, Okinawa 1,860 km ≈ 2 h 45 min nonstop flight

From you

Cebu
Nago, Okinawa

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 Nago, Okinawa: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 35% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,372 in Cebu and $1,847 in Nago, Okinawa to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $503 in Cebu versus $461 in Nago, Okinawa. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $915 per month in Cebu versus $1,231 in Nago, Okinawa – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 353% less than in Nago, Okinawa. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,231 in Nago, Okinawa, a $1,500 budget is realistic in Cebu but tight or insufficient in Nago, Okinawa. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Nago, Okinawa, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Nago, Okinawa 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 35% less than in Nago, Okinawa. Beyond cost, consider language, visa policies, and how big the international community is in each city.