Last update: Oct 2026

Cost of Living Comparison Between Cebu and Nyamata

For one person, living is cheaper in Nyamata: $569 a month against $918 in Cebu, rent and utilities included – about $4,200 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
27

Cost of Living Index in Nyamata
Learn more

Nyamata Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Nyamata

🇷🇼 Rwanda

$569

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Nyamata

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

Monthly costs for one person with rent: $918 in Cebu versus $569 in Nyamata.

Cebu $918
Nyamata $569

Estimated couple costs with rent: $1,409 in Cebu versus $899 in Nyamata.

Cebu $1,409
Nyamata $899

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,229 in Nyamata.

Cebu $1,900
Nyamata $1,229

Living in Cebu is roughly 61% more expensive than in Nyamata, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Nyamata 58% lower.

Meal at Budget Restaurant

$3.09 ₱194

$2.75 RWF 4,048

12.36%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$11.79 RWF 17.3K

105.43%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$6.65 RWF 9,779

-41.05%

Cappuccino

$2.51 ₱158

$1.71 RWF 2,510

46.78%

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

$1.59 ₱100

$0.71 RWF 1,039

123.94%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.38 RWF 560

39.47%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.04 RWF 1,528

71.15%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.71 RWF 2,509

26.90%

Milk (1 liter)

$1.92 ₱121

$0.82 RWF 1,200

134.15%

White Bread (500g)

$1.36 ₱85.4

$0.78 RWF 1,145

74.36%

Rice (white) (1kg)

$1.01 ₱63.5

$1.28 RWF 1,878

-21.09%

Eggs

$2.03 ₱128

$1.61 RWF 2,367

26.09%

Local Cheese (1kg)

$9.86 ₱621

$3.55 RWF 5,224

177.75%

Chicken Fillets (1kg)

$4.39 ₱277

$2.67 RWF 3,927

64.42%

Beef Round Steak (1kg)

$7.60 ₱479

$4.12 RWF 6,055

84.47%

Apples (1kg)

$3.30 ₱208

$2.47 RWF 3,629

33.60%

Banana (1kg)

$1.39 ₱87.8

$0.40 RWF 587

247.50%

Oranges (1kg)

$2.33 ₱147

$0.70 RWF 1,032

232.86%

Tomato (1kg)

$1.50 ₱94.3

$0.56 RWF 820

167.86%

Potato (1kg)

$2.36 ₱149

$0.49 RWF 718

381.63%

Onion (1kg)

$1.90 ₱119

$0.77 RWF 1,128

146.75%

Lettuce (1 head)

$1.19 ₱74.9

$0.35 RWF 521

240.00%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.71 RWF 1,044

-11.27%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$1.33 RWF 1,958

125.56%

Wine (Bottle)

$6.03 ₱379

$10.32 RWF 15.2K

-41.57%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.03 RWF 1,512

19.42%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.58 RWF 2,326

10.76%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$30.74 RWF 45.2K

-58.88%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.64 RWF 3,886

-70.83%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$2.00 RWF 2,945

-88.50%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$3.14 RWF 4,616

42.04%

Gasoline (1 liter)

$1.31 ₱82.8

$1.23 RWF 1,810

6.50%

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

$21.2K ₱1.3M

$26.4K RWF 38.8M

-19.59%

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

$19.1K ₱1.2M

$23.8K RWF 35.0M

-19.65%

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

$120 ₱7,569

$85.3 RWF 125.4K

40.93%

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

$14.00 ₱882

$7.19 RWF 10.6K

94.71%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$17.12 RWF 25.2K

60.86%

Gym Membership (Monthly)

$32.33 ₱2,035

$102 RWF 150.6K

-68.43%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$1.99 RWF 2,930

183.92%

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

$275 ₱17.3K

$114 RWF 167.3K

141.97%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$9,358 RWF 13.8M

-15.38%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$17.24 RWF 25.3K

186.14%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$15.65 RWF 23.0K

61.28%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$22.03 RWF 32.4K

249.34%

Men's Leather Business Shoes

$57.2 ₱3,601

$34.32 RWF 50.5K

66.67%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$100.0 RWF 147.0K

399.77%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$67.9 RWF 99.8K

354.95%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$343 RWF 503.9K

214.49%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$240 RWF 353.5K

155.89%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$180 RWF 264.8K

92.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

16.2

-55.56%

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

Last update for Cebu: October 12, 2026

Last update for Nyamata: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Nyamata

$68 11.9% 78% $241

Groceries & Markets

Cebu

$206 22.4%

Nyamata

$126 22.2% 38.7% $80

Monthly Utilities & Internet

Cebu

$162 17.6%

Nyamata

$110 19.3% 32.2% $52

Clothing & Footwear

Cebu

$94 10.2%

Nyamata

$40 7.1% 57.2% $54

Eating Out

Cebu

$88 9.6%

Nyamata

$75 13.3% 14.5% $13

Sport & Entertainment

Cebu

$44 4.8%

Nyamata

$106 18.7% 144% $63

Getting Around

Cebu

$16 1.7%

Nyamata

$43 * 7.6% 179% $28

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

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $100.0 in Nyamata. Housing cost is often the main lever when comparing two cities.

Cebu pays 92% 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 $12.00 in Nyamata for a mid-range dinner for two. Groceries echo the gap at $206 vs $126 per month, with Nyamata cheaper across the board.

Good to know

🇵🇭 Cebu

🇷🇼 Nyamata

🕒 Local time

13:47 1:47 PM

07:47 7:47 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

21,509

💱 Currency

Philippine Peso PHP ₱

Rwandan Franc RWF Fr

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

10,000 RWF = 6.8 USD

10,000 RWF = 6.05 EUR

Exchange rates and currency converter

RWF, 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).

Rwandan Franc exchange rates as of October 18, 2026: 1 USD = 1,470 RWF (10,000 RWF = 6.8 USD). 1 EUR = 1,653 RWF (10,000 RWF = 6.05 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Nyamata 10,460 km ≈ 14 h nonstop flight

From you

Cebu
Nyamata

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 Nyamata: Cost of Living - Frequently Asked Questions

Nyamata is cheaper overall, especially in groceries, clothing, and eating out. The 61% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 92% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $500 in Cebu versus $100.0 in Nyamata. 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 $569 in Nyamata – a 61% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Nyamata runs roughly 143% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Nyamata gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Nyamata 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 Nyamata 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 Nyamata gentler on the wallet – expenses run 61% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.