Last update: Oct 2026

Cost of Living Comparison Between Cebu and Neum

For one person, living costs are similar in Cebu and in Neum: $918 and $955 a month, rent and utilities included.

45

Cost of Living Index in Cebu
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Cebu Living Index
46

Cost of Living Index in Neum
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Neum Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Neum

🇧🇦 Bosnia and Herzegovina

$955

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Neum

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

Monthly costs for one person with rent: $918 in Cebu versus $955 in Neum.

Cebu $918
Neum $955

Estimated couple costs with rent: $1,409 in Cebu versus $1,410 in Neum.

Cebu $1,409
Neum $1,410

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,866 in Neum.

Cebu $1,900
Neum $1,866

Living in Cebu costs roughly 4% less than in Neum, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Cebu 32% lower, Neum 29% lower.

Meal at Budget Restaurant

$3.09 ₱194

$5.29 BAM 9.23

-41.59%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,520

$30.98 BAM 54.1

-21.82%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$5.67 BAM 9.90

-30.86%

Cappuccino

$2.51 ₱157

$1.90 BAM 3.32

32.11%

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

$1.59 ₱99.9

$1.90 BAM 3.32

-16.32%

Water (0.33 liter bottle)

$0.53 ₱33.33

$1.18 BAM 2.07

-55.08%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.52 BAM 4.40

-29.37%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.19 BAM 3.82

-0.91%

Milk (1 liter)

$1.92 ₱120

$1.12 BAM 1.96

71.43%

White Bread (500g)

$1.36 ₱85.2

$0.95 BAM 1.65

43.16%

Rice (white) (1kg)

$1.01 ₱63.3

$2.07 BAM 3.61

-51.21%

Eggs

$2.03 ₱127

$2.57 BAM 4.48

-21.01%

Local Cheese (1kg)

$9.86 ₱619

$7.88 BAM 13.75

25.13%

Chicken Fillets (1kg)

$4.39 ₱276

$7.37 BAM 12.86

-40.43%

Beef Round Steak (1kg)

$7.60 ₱477

$10.39 BAM 18.13

-26.85%

Apples (1kg)

$3.30 ₱207

$1.12 BAM 1.96

194.64%

Banana (1kg)

$1.39 ₱87.5

$1.62 BAM 2.83

-14.20%

Oranges (1kg)

$2.33 ₱146

$1.36 BAM 2.37

71.32%

Tomato (1kg)

$1.50 ₱94.0

$1.20 BAM 2.09

25.00%

Potato (1kg)

$2.36 ₱148

$0.98 BAM 1.71

140.82%

Onion (1kg)

$1.90 ₱119

$0.99 BAM 1.72

91.92%

Lettuce (1 head)

$1.19 ₱74.7

$0.76 BAM 1.32

56.58%

Water (1.5 liter bottle)

$0.63 ₱39.59

$0.71 BAM 1.24

-11.27%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.93 BAM 6.86

-23.66%

Wine (Bottle)

$6.03 ₱378

$3.99 BAM 6.96

51.13%

Local Beer (0.5 liter bottle)

$1.23 ₱77.4

$0.78 BAM 1.36

57.69%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$0.89 BAM 1.55

96.63%

One-way Ticket (Public Transport)

$0.25 ₱15.81

$1.27 BAM 2.21

-80.31%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱793

$57.4 BAM 100

-77.98%

Taxi Start (Normal Tariff)

$0.77 ₱48.47

$1.74 BAM 3.04

-55.75%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.49

$0.60 BAM 1.04

-61.67%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$5.79 BAM 10.10

-22.97%

Gasoline (1 liter)

$1.31 ₱82.5

$1.55 BAM 2.70

-15.48%

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

$21.2K ₱1.3M

$29.9K BAM 52.1K

-28.86%

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

$19.1K ₱1.2M

$21.3K BAM 37.2K

-10.21%

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

$120 ₱7,547

$135 BAM 236

-11.21%

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

$14.00 ₱879

$17.64 BAM 30.79

-20.63%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,729

$25.86 BAM 45.14

6.50%

Gym Membership (Monthly)

$32.33 ₱2,029

$32.47 BAM 56.7

-0.43%

Tennis Court (1 Hour on Weekend)

$6.65 ₱417

$11.52 BAM 20.11

-42.27%

Cinema Ticket

$5.65 ₱355

$5.74 BAM 10.01

-1.57%

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

$275 ₱17.3K

$198 BAM 345

39.09%

International Primary School, 1 Child (Yearly)

$7,918 ₱497.0K

$2,317 BAM 4,044

241.76%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,097

$59.4 BAM 104

-16.91%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,585

$33.42 BAM 58.3

-24.48%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,831

$85.8 BAM 150

-10.32%

Men's Leather Business Shoes

$57.2 ₱3,590

$83.3 BAM 145

-31.34%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$345 BAM 602

44.82%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$248 BAM 432

24.74%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.7K

$506 BAM 883

112.99%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.6K

$355 BAM 620

73.30%

Buy Apartment in City Center (m2)

$2,886 ₱181.2K

$2,410 BAM 4,206

19.76%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.3K

$1,786 BAM 3,117

7.31%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

$847 BAM 1,479

-59.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.9

148.28%

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

Last update for Cebu: October 12, 2026

Last update for Neum: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Neum

$248 25.9% 19.8% $61

Groceries & Markets

Cebu

$206 22.4%

Neum

$188 19.7% 8.8% $18

Monthly Utilities & Internet

Cebu

$162 17.6%

Neum

$179 18.7% 10.6% $17

Clothing & Footwear

Cebu

$94 10.2%

Neum

$118 12.4% 25.5% $24

Eating Out

Cebu

$88 9.6%

Neum

$112 11.7% 26.4% $23

Sport & Entertainment

Cebu

$44 4.8%

Neum

$44 4.6% 0.7% $0.3

Getting Around

Cebu

$16 1.7%

Neum

$67 7% 332% $52

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $345 in Neum. Housing cost is often the main lever when comparing two cities.

Neum pays 145% 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 $31.00 in Neum. Groceries flip the comparison at $206 vs $188, with Neum cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇧🇦 Neum

🕒 Local time

18:41 6:41 PM

12:41 12:41 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

3,200

💱 Currency

Philippine Peso PHP ₱

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 BAM = 0.573 USD

1 BAM = 0.511 EUR

Exchange rates and currency converter

BAM, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 14, 2026: 1 USD = 62.77 PHP (100 PHP = 1.59 USD). 1 EUR = 70.33 PHP (100 PHP = 1.42 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of October 14, 2026: 1 USD = 1.75 BAM (1 BAM = 0.573 USD). 1 EUR = 1.96 BAM (1 BAM = 0.511 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Neum 10,520 km ≈ 14 h nonstop flight

From you

Cebu
Neum

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 Neum: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 4% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 145% lower in Neum. 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 $345 in Neum. 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 $955 in Neum – a 4% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 354% less than in Neum. Both cities have functional networks, but the price difference matters if you're watching your budget.

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

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

Safety-wise, Cebu and Neum 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 4% less than in Neum. Beyond cost, consider language, visa policies, and how big the international community is in each city.