Last update: Oct 2026

Cost of Living Comparison Between Cebu and Nove Zamky

For one person, living is cheaper in Cebu: $918 a month against $1,334 in Nove Zamky, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
65

Cost of Living Index in Nove Zamky
Learn more

Nove Zamky Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Nove Zamky

🇸🇰 Slovakia

$1,334

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Nove Zamky

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

Monthly costs for one person with rent: $918 in Cebu versus $1,334 in Nove Zamky.

Cebu $918
Nove Zamky $1,334

Estimated couple costs with rent: $1,409 in Cebu versus $1,926 in Nove Zamky.

Cebu $1,409
Nove Zamky $1,926

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,517 in Nove Zamky.

Cebu $1,900
Nove Zamky $2,517

Living in Cebu costs roughly 31% less than in Nove Zamky, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Nove Zamky 1% lower.

Meal at Budget Restaurant

$3.09 ₱194

$7.23 €6.43

-57.26%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$44.98 €40.01

-46.15%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.86 €7.89

-55.76%

Cappuccino

$2.51 ₱158

$3.23 €2.88

-22.29%

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

$1.59 ₱100

$1.92 €1.71

-17.19%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.27 €1.13

-58.27%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.26 €2.01

-21.24%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.27 €2.02

-4.41%

Milk (1 liter)

$1.92 ₱121

$1.09 €0.97

76.15%

White Bread (500g)

$1.36 ₱85.4

$1.02 €0.90

33.33%

Rice (white) (1kg)

$1.01 ₱63.5

$1.94 €1.72

-47.94%

Eggs

$2.03 ₱128

$3.64 €3.23

-44.23%

Local Cheese (1kg)

$9.86 ₱621

$12.56 €11.17

-21.50%

Chicken Fillets (1kg)

$4.39 ₱277

$7.70 €6.85

-42.99%

Beef Round Steak (1kg)

$7.60 ₱479

$13.13 €11.68

-42.12%

Apples (1kg)

$3.30 ₱208

$1.68 €1.50

96.43%

Banana (1kg)

$1.39 ₱87.8

$1.47 €1.31

-5.44%

Oranges (1kg)

$2.33 ₱147

$1.15 €1.02

102.61%

Tomato (1kg)

$1.50 ₱94.3

$4.55 €4.05

-67.03%

Potato (1kg)

$2.36 ₱149

$1.29 €1.14

82.95%

Onion (1kg)

$1.90 ₱119

$1.14 €1.01

66.67%

Lettuce (1 head)

$1.19 ₱74.9

$1.15 €1.02

3.48%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.79 €0.71

-20.25%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.05 €5.38

-50.41%

Wine (Bottle)

$6.03 ₱379

$5.58 €4.96

8.06%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.00 €0.89

23.00%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.84 €1.64

-4.89%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.13 €1.01

-77.88%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$28.14 €25.03

-55.08%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.15 €1.03

-33.04%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.10 €0.98

-79.09%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$22.62 €20.12

-80.28%

Gasoline (1 liter)

$1.31 ₱82.8

$1.68 €1.49

-22.02%

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

$21.2K ₱1.3M

$26.0K €23.1K

-18.23%

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

$19.1K ₱1.2M

$23.8K €21.2K

-19.54%

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

$120 ₱7,569

$281 €250

-57.24%

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

$14.00 ₱882

$19.17 €17.05

-26.97%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$11.26 €10.02

144.58%

Gym Membership (Monthly)

$32.33 ₱2,035

$33.05 €29.40

-2.18%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$16.50 €14.68

-59.70%

Cinema Ticket

$5.65 ₱356

$9.48 €8.43

-40.40%

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

$275 ₱17.3K

$357 €318

-22.92%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$10.7K €9,498

-25.84%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$55.3 €49.18

-10.78%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$22.58 €20.08

11.78%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$56.3 €50.1

36.65%

Men's Leather Business Shoes

$57.2 ₱3,601

$90.3 €80.3

-36.65%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$526 €467

-4.95%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$435 €387

-28.95%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$913 €812

18.07%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$661 €588

-6.95%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,368 €2,996

-14.32%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,574 €2,289

-25.53%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,047 €932

-66.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.79

89.97%

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

Last update for Cebu: October 12, 2026

Last update for Nove Zamky: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Nove Zamky

$435 32.6% 40.7% $126

Groceries & Markets

Cebu

$206 22.4%

Nove Zamky

$244 18.3% 18.4% $38

Monthly Utilities & Internet

Cebu

$162 17.6%

Nove Zamky

$312 23.4% 92.6% $150

Clothing & Footwear

Cebu

$94 10.2%

Nove Zamky

$101 7.6% 7.5% $7.1

Eating Out

Cebu

$88 9.6%

Nove Zamky

$152 11.4% 72% $64

Sport & Entertainment

Cebu

$44 4.8%

Nove Zamky

$52 3.9% 19.2% $8.4

Getting Around

Cebu

$16 1.7%

Nove Zamky

$39 3% 153% $24

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $526 in Nove Zamky. Housing cost is often the main lever when comparing two cities.

Nove Zamky pays 203% 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 $45.00 in Nove Zamky for a mid-range dinner for two. Groceries echo the gap at $206 vs $244 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇸🇰 Nove Zamky

🕒 Local time

09:09 9:09 AM

03:09 3:09 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

40,840

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD 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).

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Nove Zamky 10,300 km ≈ 13 h nonstop flight

From you

Cebu
Nove Zamky

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 Nove Zamky: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 45% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 203% lower in Nove Zamky. 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 $526 in Nove Zamky. 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 $1,334 in Nove Zamky – a 45% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 123% less than in Nove Zamky. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,334 in Nove Zamky, a $1,500 budget is realistic in Cebu but tight or insufficient in Nove Zamky. 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 Nove Zamky, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Nove Zamky 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 45% less than in Nove Zamky. Beyond cost, consider language, visa policies, and how big the international community is in each city.