Last update: Oct 2026

Cost of Living Comparison Between Cebu and Novi Pazar

For one person, living is cheaper in Cebu: $918 a month against $1,044 in Novi Pazar, rent and utilities included – about $1,500 less a year. The total is higher in Novi Pazar despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
51

Cost of Living Index in Novi Pazar
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Novi Pazar Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Novi Pazar

🇷🇸 Serbia

$1,044

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Novi Pazar

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

Monthly costs for one person with rent: $918 in Cebu versus $1,044 in Novi Pazar.

Cebu $918
Novi Pazar $1,044

Estimated couple costs with rent: $1,409 in Cebu versus $1,502 in Novi Pazar.

Cebu $1,409
Novi Pazar $1,502

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,960 in Novi Pazar.

Cebu $1,900
Novi Pazar $1,960

Living in Cebu costs roughly 12% less than in Novi Pazar, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 32% lower, Novi Pazar 23% lower.

Meal at Budget Restaurant

$3.09 ₱194

$6.59 RSD 687

-53.11%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$18.35 RSD 1,913

31.99%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.54 RSD 786

-48.01%

Cappuccino

$2.51 ₱158

$1.68 RSD 175

49.40%

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

$1.59 ₱100

$1.62 RSD 169

-1.85%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.29 RSD 135

-58.91%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.95 RSD 203

-8.72%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.85 RSD 193

17.30%

Milk (1 liter)

$1.92 ₱121

$1.41 RSD 147

36.17%

White Bread (500g)

$1.36 ₱85.4

$0.73 RSD 76.0

86.30%

Rice (white) (1kg)

$1.01 ₱63.5

$2.54 RSD 265

-60.24%

Eggs

$2.03 ₱128

$1.80 RSD 188

12.78%

Local Cheese (1kg)

$9.86 ₱621

$9.42 RSD 982

4.67%

Chicken Fillets (1kg)

$4.39 ₱277

$6.67 RSD 695

-34.18%

Beef Round Steak (1kg)

$7.60 ₱479

$15.14 RSD 1,579

-49.80%

Apples (1kg)

$3.30 ₱208

$1.17 RSD 122

182.05%

Banana (1kg)

$1.39 ₱87.8

$1.78 RSD 185

-21.91%

Oranges (1kg)

$2.33 ₱147

$1.84 RSD 192

26.63%

Tomato (1kg)

$1.50 ₱94.3

$3.01 RSD 314

-50.17%

Potato (1kg)

$2.36 ₱149

$0.86 RSD 89.5

174.42%

Onion (1kg)

$1.90 ₱119

$0.66 RSD 69.2

187.88%

Lettuce (1 head)

$1.19 ₱74.9

$0.79 RSD 82.7

50.63%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.73 RSD 76.2

-13.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.75 RSD 495

-36.84%

Wine (Bottle)

$6.03 ₱379

$8.66 RSD 903

-30.37%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.92 RSD 95.6

33.70%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.47 RSD 153

19.05%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.98 RSD 102

-74.49%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$18.79 RSD 1,959

-32.73%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.15 RSD 120

-33.04%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.02 RSD 106

-77.45%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$17.29 RSD 1,802

-74.20%

Gasoline (1 liter)

$1.31 ₱82.8

$1.94 RSD 203

-32.47%

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

$21.2K ₱1.3M

$30.2K RSD 3.2M

-29.71%

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

$19.1K ₱1.2M

$24.8K RSD 2.6M

-22.75%

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

$120 ₱7,569

$205 RSD 21.3K

-41.28%

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

$14.00 ₱882

$24.53 RSD 2,557

-42.93%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$32.93 RSD 3,433

-16.37%

Gym Membership (Monthly)

$32.33 ₱2,035

$28.64 RSD 2,986

12.88%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$4.16 RSD 433

35.82%

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

$275 ₱17.3K

$168 RSD 17.5K

63.95%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$11.3K RSD 1.2M

-29.68%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$109 RSD 11.4K

-54.87%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$47.99 RSD 5,002

-47.41%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$85.1 RSD 8,874

-9.59%

Men's Leather Business Shoes

$57.2 ₱3,601

$152 RSD 15.9K

-62.40%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$252 RSD 26.2K

98.55%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$192 RSD 20.0K

60.90%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$370 RSD 38.6K

191.27%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$290 RSD 30.3K

111.83%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,699 RSD 177.1K

69.85%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,378 RSD 143.7K

39.07%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$726 RSD 75.7K

-52.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.61

56.18%

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

Last update for Cebu: October 12, 2026

Last update for Novi Pazar: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Novi Pazar

$192 18.4% 37.9% $117

Groceries & Markets

Cebu

$206 22.4%

Novi Pazar

$225 21.6% 9.5% $20

Monthly Utilities & Internet

Cebu

$162 17.6%

Novi Pazar

$262 25.1% 62.1% $100

Clothing & Footwear

Cebu

$94 10.2%

Novi Pazar

$178 17% 89% $84

Eating Out

Cebu

$88 9.6%

Novi Pazar

$121 11.6% 36.6% $32

Sport & Entertainment

Cebu

$44 4.8%

Novi Pazar

$37 3.5% 15.3% $6.7

Getting Around

Cebu

$16 1.7%

Novi Pazar

$29 2.8% 85.9% $13

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $252 in Novi Pazar. Housing cost is often the main lever when comparing two cities.

Novi Pazar pays 110% 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 $18.00 in Novi Pazar. Groceries flip the comparison at $206 vs $225, with Cebu cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇷🇸 Novi Pazar

🕒 Local time

02:08 2:08 AM

20:08 8:08 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

71,462

💱 Currency

Philippine Peso PHP ₱

Serbian Dinar RSD din

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 RSD = 9.59 USD

1,000 RSD = 8.53 EUR

Exchange rates and currency converter

RSD, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Serbian Dinar exchange rates as of October 17, 2026: 1 USD = 104 RSD (1,000 RSD = 9.59 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Novi Pazar 10,290 km ≈ 13 h nonstop flight

From you

Cebu
Novi Pazar

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 Novi Pazar: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 14% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 110% lower in Novi Pazar. 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 $252 in Novi Pazar. 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 $1,044 in Novi Pazar – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 49% less than in Novi Pazar. 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 Novi Pazar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Novi Pazar 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 14% less than in Novi Pazar. Beyond cost, consider language, visa policies, and how big the international community is in each city.