Last update: Oct 2026

Cost of Living Comparison Between Cebu and Naivasha

For one person, living is cheaper in Naivasha: $542 a month against $918 in Cebu, rent and utilities included – about $4,500 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
26

Cost of Living Index in Naivasha
Learn more

Naivasha Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Naivasha

🇰🇪 Kenya

$542

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Naivasha

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

Monthly costs for one person with rent: $918 in Cebu versus $542 in Naivasha.

Cebu $918
Naivasha $542

Estimated couple costs with rent: $1,409 in Cebu versus $886 in Naivasha.

Cebu $1,409
Naivasha $886

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,230 in Naivasha.

Cebu $1,900
Naivasha $1,230

Living in Cebu is roughly 69% more expensive than in Naivasha, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Naivasha 60% lower.

Meal at Budget Restaurant

$3.09 ₱194

$6.48 KES 840

-52.31%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$34.08 KES 4,419

-28.93%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$6.24 KES 809

-37.18%

Cappuccino

$2.51 ₱158

$2.59 KES 336

-3.09%

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

$1.59 ₱100

$0.66 KES 85.2

140.91%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.60 KES 78.4

-11.67%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.25 KES 292

-20.89%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.64 KES 342

-17.80%

Milk (1 liter)

$1.92 ₱121

$0.84 KES 109

128.57%

White Bread (500g)

$1.36 ₱85.4

$0.52 KES 68.0

161.54%

Rice (white) (1kg)

$1.01 ₱63.5

$1.91 KES 247

-47.12%

Eggs

$2.03 ₱128

$1.71 KES 222

18.71%

Local Cheese (1kg)

$9.86 ₱621

$10.46 KES 1,357

-5.74%

Chicken Fillets (1kg)

$4.39 ₱277

$6.51 KES 844

-32.57%

Beef Round Steak (1kg)

$7.60 ₱479

$6.31 KES 818

20.44%

Apples (1kg)

$3.30 ₱208

$3.31 KES 429

-0.30%

Banana (1kg)

$1.39 ₱87.8

$1.10 KES 142

26.36%

Oranges (1kg)

$2.33 ₱147

$1.95 KES 253

19.49%

Tomato (1kg)

$1.50 ₱94.3

$1.14 KES 148

31.58%

Potato (1kg)

$2.36 ₱149

$1.12 KES 145

110.71%

Onion (1kg)

$1.90 ₱119

$1.05 KES 136

80.95%

Lettuce (1 head)

$1.19 ₱74.9

$0.69 KES 89.5

72.46%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.75 KES 96.7

-16.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.45 KES 447

-13.04%

Wine (Bottle)

$6.03 ₱379

$11.51 KES 1,493

-47.61%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$2.33 KES 302

-47.21%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.78 KES 360

-37.05%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.52 KES 197

-49.34%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.52 KES 198

-84.87%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.92 KES 378

52.74%

Gasoline (1 liter)

$1.31 ₱82.8

$1.56 KES 202

-16.03%

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

$21.2K ₱1.3M

$21.6K KES 2.8M

-1.43%

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

$19.1K ₱1.2M

$20.1K KES 2.6M

-4.94%

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

$120 ₱7,569

$55.6 KES 7,204

116.36%

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

$14.00 ₱882

$15.22 KES 1,973

-8.02%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$34.82 KES 4,515

-20.91%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$7.56 KES 980

-25.26%

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

$275 ₱17.3K

$251 KES 32.5K

9.79%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$12.4K KES 1.6M

-36.39%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$27.97 KES 3,626

76.37%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$28.68 KES 3,718

-11.99%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$70.8 KES 9,176

8.75%

Men's Leather Business Shoes

$57.2 ₱3,601

$58.7 KES 7,606

-2.51%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$757 KES 98.1K

281.42%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

14.71

-51.05%

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

Last update for Cebu: October 12, 2026

Last update for Naivasha: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Naivasha

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Naivasha

$205 37.8% 0.4% $0.9

Monthly Utilities & Internet

Cebu

$162 17.6%

Naivasha

$106 19.5% 34.7% $56

Clothing & Footwear

Cebu

$94 10.2%

Naivasha

$84 15.5% 10.8% $10

Eating Out

Cebu

$88 9.6%

Naivasha

$123 22.7% 39.6% $35

Sport & Entertainment

Cebu

$44 4.8%

Naivasha

$15 * 2.8% 65.3% $29

Getting Around

Cebu

$16 1.7%

Naivasha

$9.1 * 1.7% 41.3% $6.4

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $24.00 in Cebu vs $34.00 in Naivasha. Groceries flip the comparison at $206 vs $205, with Naivasha cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇰🇪 Naivasha

🕒 Local time

22:19 10:19 PM

17:19 5:19 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

14,563

💱 Currency

Philippine Peso PHP ₱

Kenyan Shilling KES Sh

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 KES = 7.71 USD

1,000 KES = 6.86 EUR

Exchange rates and currency converter

KES, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Kenyan Shilling exchange rates as of October 18, 2026: 1 USD = 130 KES (1,000 KES = 7.71 USD). 1 EUR = 146 KES (1,000 KES = 6.86 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Naivasha 9,740 km ≈ 13 h nonstop flight

From you

Cebu
Naivasha

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 Naivasha: Cost of Living - Frequently Asked Questions

Naivasha is cheaper overall, especially in groceries, clothing, and leisure. The 69% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $813 in Naivasha 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.

Supermarket bills run roughly 0% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $542 in Naivasha – a 69% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Naivasha gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Naivasha 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 Naivasha 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 Naivasha gentler on the wallet – expenses run 69% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.