Cost of Living Comparison Between Cebu and Ormoc Cost of Living Comparison Between Cebu and Ormoc

Monthly Cost of Living

Monthly costs for one person with rent: $879 in Cebu versus $782 in Ormoc.

Estimated couple costs with rent: $1,347 in Cebu versus $1,209 in Ormoc.

Monthly costs for a family of three with rent: $1,815 in Cebu versus $1,637 in Ormoc.

Living in Cebu is roughly 12% more expensive than in Ormoc, driven mainly by Groceries & Markets.

Both cities sit below the global median: Cebu 34% lower, Ormoc 41% lower.

Meal at Budget Restaurant

$4.34 ₱266

$3.50 ₱214

24.00%

Three-Course Dinner for Two, Mid-Range

$23.95 ₱1,466

$17.21 ₱1,054

39.16%

Fast Food Meal (McDonalds, etc)

$4.48 ₱274

$4.27 ₱261

4.92%

Cappuccino

$2.58 ₱158

$2.35 ₱144

9.79%

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

$0.78 ₱47.91

$0.79 ₱48.08

-1.27%

Water (0.33 liter bottle)

$0.45 ₱27.71

$0.36 ₱22.25

25.00%

Local Beer (0.5 liter draught)

$1.52 ₱93.0

$1.32 ₱80.7

15.15%

Imported Beer (0.33 liter bottle)

$2.15 ₱131

$2.07 ₱127

3.86%

Milk (1 liter)

$2.31 ₱142

$1.89 ₱116

22.22%

White Bread (500g)

$1.53 ₱93.4

$1.27 ₱77.6

20.47%

Rice (white) (1kg)

$1.17 ₱71.9

$0.96 ₱58.7

21.87%

Eggs

$2.35 ₱144

$2.05 ₱126

14.63%

Local Cheese (1kg)

$12.68 ₱776

$7.85 ₱481

61.53%

Chicken Fillets (1kg)

$5.26 ₱322

$4.37 ₱268

20.37%

Beef Round Steak (1kg)

$7.88 ₱482

$7.89 ₱483

-0.13%

Apples (1kg)

$3.48 ₱213

$2.91 ₱178

19.59%

Banana (1kg)

$1.46 ₱89.5

$1.53 ₱93.9

-4.58%

Oranges (1kg)

$3.32 ₱203

$2.58 ₱158

28.68%

Tomato (1kg)

$2.27 ₱139

$1.55 ₱94.6

46.45%

Potato (1kg)

$2.66 ₱163

$2.25 ₱138

18.22%

Onion (1kg)

$2.45 ₱150

$2.52 ₱154

-2.78%

Lettuce (1 head)

$0.93 ₱56.8

$1.07 ₱65.4

-13.08%

Water (1.5 liter bottle)

$0.79 ₱48.49

$0.72 ₱44.24

9.72%

Cigarettes 20 Pack (Marlboro, Camel)

$3.12 ₱191

$2.80 ₱171

11.43%

Wine (Bottle)

$6.37 ₱390

$8.47 ₱519

-24.79%

Local Beer (0.5 liter bottle)

$1.19 ₱73.0

$1.15 ₱70.1

3.48%

Imported Beer (0.33 liter bottle)

$2.25 ₱138

$1.96 ₱120

14.80%

One-way Ticket (Public Transport)

$0.26 ₱15.91

$0.19 ₱11.42

36.84%

Public Transport Monthly Pass (Regular Price)

$14.85 ₱909

Taxi Start (Normal Tariff)

$0.87 ₱53.1

$0.76 ₱46.82

14.47%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.04

$0.24 ₱14.72

-4.17%

Taxi 1hour Waiting (Normal Tariff)

$2.70 ₱165

$2.12 ₱130

27.36%

Gasoline (1 liter)

$1.11 ₱67.8

$1.13 ₱69.2

-1.77%

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

$30.0K ₱1.8M

$26.8K ₱1.6M

11.81%

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

$26.8K ₱1.6M

$20.2K ₱1.2M

32.61%

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

$96.9 ₱5,928

$113 ₱6,919

-14.31%

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

$34.35 ₱2,103

$33.27 ₱2,037

3.25%

Internet (50+ Mbps, Unlimited Data)

$29.65 ₱1,815

$27.63 ₱1,691

7.31%

Gym Membership (Monthly)

$33.03 ₱2,022

$33.43 ₱2,046

-1.20%

Tennis Court (1 Hour on Weekend)

$8.50 ₱520

$4.42 ₱271

92.31%

Cinema Ticket

$5.82 ₱356

$6.01 ₱368

-3.16%

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

$227 ₱13.9K

$152 ₱9,306

49.32%

International Primary School, 1 Child (Yearly)

$3,968 ₱242.9K

$4,399 ₱269.3K

-9.78%

Jeans (Levis 501 Or Similar)

$53.3 ₱3,263

$44.99 ₱2,754

18.47%

Summer Dress (H&M, Zara, etc)

$23.14 ₱1,417

$26.48 ₱1,621

-12.61%

Sport Shoes (Adidas, Nike)

$74.7 ₱4,570

$75.3 ₱4,608

-0.81%

Men's Leather Business Shoes

$54.5 ₱3,336

$52.7 ₱3,226

3.42%

1-bedroom Apartment, City Center (Monthly)

$515 ₱31.5K

$267 ₱16.4K

92.51%

1-bedroom Apartment, Outside City Center (Monthly)

$217 ₱13.3K

$173 ₱10.6K

25.24%

3-bedroom Apartment, City Center (Monthly)

$785 ₱48.1K

$215 ₱13.1K

265.88%

3-bedroom Apartment, Outside City Center (Monthly)

$388 ₱23.8K

$391 ₱23.9K

-0.58%

Buy Apartment in City Center (m2)

$2,908 ₱178.0K

$2,166 ₱132.6K

34.23%

Buy Apartment Outside City Center (m2)

$1,911 ₱117.0K

$831 ₱50.9K

130.01%

Average Monthly Net Salary (After Tax)

$346 ₱21.2K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

19.94%

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

Last update for Cebu: July 27, 2026

Last update for Ormoc: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $515 in Cebu and $267 in Ormoc. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $17.00 in Ormoc for a mid-range dinner for two. Groceries echo the gap at $241 vs $206 per month, with Ormoc cheaper across the board.

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 Ormoc: Cost of Living - Frequently Asked Questions

Ormoc is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 12% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,318 in Cebu and $1,172 in Ormoc 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.

Rent for a central apartment: $515 in Cebu versus $267 in Ormoc. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 17% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $879 per month in Cebu versus $782 in Ormoc – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

At $782 in Ormoc versus $879 in Cebu, a $1,500 budget is realistic in Ormoc but tight or insufficient in Cebu. The gap between the two cities makes Ormoc the clear choice for anyone on this budget.

For families, Ormoc 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 Ormoc 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 Ormoc gentler on the wallet – expenses run 12% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.