Last update: Oct 2026

Cost of Living Comparison Between Cebu and Oued Zem

For one person, living is cheaper in Oued Zem: $744 a month against $918 in Cebu, rent and utilities included – about $2,100 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

45

Cost of Living Index in Cebu
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Cebu Living Index
36

Cost of Living Index in Oued Zem
Learn more

Oued Zem Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Oued Zem

🇲🇦 Morocco

$744

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Oued Zem

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

Monthly costs for one person with rent: $918 in Cebu versus $744 in Oued Zem.

Cebu $918
Oued Zem $744

Estimated couple costs with rent: $1,409 in Cebu versus $1,188 in Oued Zem.

Cebu $1,409
Oued Zem $1,188

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,633 in Oued Zem.

Cebu $1,900
Oued Zem $1,633

Living in Cebu is roughly 23% more expensive than in Oued Zem, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Oued Zem 45% lower.

Meal at Budget Restaurant

$3.09 ₱194

$4.23 MAD 41.20

-26.95%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$41.45 MAD 404

-41.57%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.16 MAD 69.8

-45.25%

Cappuccino

$2.51 ₱158

$1.97 MAD 19.23

27.41%

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

$1.59 ₱100

$0.54 MAD 5.25

194.44%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.37 MAD 3.56

43.24%

Local Beer (0.5 liter draught)

$1.78 ₱112

$5.08 MAD 49.57

-64.96%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.28 MAD 31.95

-33.84%

Milk (1 liter)

$1.92 ₱121

$0.84 MAD 8.16

128.57%

White Bread (500g)

$1.36 ₱85.4

$0.63 MAD 6.09

115.87%

Rice (white) (1kg)

$1.01 ₱63.5

$1.89 MAD 18.40

-46.56%

Eggs

$2.03 ₱128

$1.89 MAD 18.42

7.41%

Local Cheese (1kg)

$9.86 ₱621

$11.57 MAD 113

-14.78%

Chicken Fillets (1kg)

$4.39 ₱277

$6.72 MAD 65.6

-34.67%

Beef Round Steak (1kg)

$7.60 ₱479

$12.01 MAD 117

-36.72%

Apples (1kg)

$3.30 ₱208

$1.62 MAD 15.82

103.70%

Banana (1kg)

$1.39 ₱87.8

$1.38 MAD 13.50

0.72%

Oranges (1kg)

$2.33 ₱147

$0.82 MAD 8.00

184.15%

Tomato (1kg)

$1.50 ₱94.3

$0.83 MAD 8.13

80.72%

Potato (1kg)

$2.36 ₱149

$0.69 MAD 6.71

242.03%

Onion (1kg)

$1.90 ₱119

$0.76 MAD 7.36

150.00%

Lettuce (1 head)

$1.19 ₱74.9

$0.40 MAD 3.93

197.50%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.65 MAD 6.34

-3.08%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.15 MAD 40.43

-27.71%

Wine (Bottle)

$6.03 ₱379

$7.61 MAD 74.2

-20.76%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$2.62 MAD 25.51

-53.05%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.73 MAD 26.60

-35.90%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.52 MAD 5.10

-51.92%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$18.72 MAD 183

-32.48%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.70 MAD 6.86

10.00%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.75 MAD 7.30

-69.33%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$4.02 MAD 39.19

10.95%

Gasoline (1 liter)

$1.31 ₱82.8

$1.51 MAD 14.72

-13.25%

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

$21.2K ₱1.3M

$30.9K MAD 301.7K

-31.36%

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

$19.1K ₱1.2M

$30.9K MAD 301.7K

-38.13%

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

$120 ₱7,569

$36.62 MAD 357

228.32%

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

$14.00 ₱882

$10.06 MAD 98.0

39.17%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$34.17 MAD 333

-19.40%

Gym Membership (Monthly)

$32.33 ₱2,035

$29.12 MAD 284

11.02%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$20.76 MAD 202

-67.97%

Cinema Ticket

$5.65 ₱356

$6.16 MAD 60.0

-8.28%

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

$275 ₱17.3K

$185 MAD 1,807

48.54%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$9,495 MAD 92.6K

-16.60%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$49.33 MAD 481

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$40.51 MAD 395

-37.69%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$93.8 MAD 915

-17.99%

Men's Leather Business Shoes

$57.2 ₱3,601

$65.2 MAD 636

-12.32%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$278 MAD 2,712

79.61%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$165 MAD 1,607

87.31%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$478 MAD 4,664

125.30%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$246 MAD 2,398

150.15%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,115 MAD 10.9K

158.88%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$767 MAD 7,480

149.83%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$239 MAD 2,333

44.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.55

58.24%

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

Last update for Cebu: October 12, 2026

Last update for Oued Zem: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Oued Zem

$165 22.2% 46.6% $144

Groceries & Markets

Cebu

$206 22.4%

Oued Zem

$205 27.5% 0.5% $1.1

Monthly Utilities & Internet

Cebu

$162 17.6%

Oued Zem

$81 10.9% 50% $81

Clothing & Footwear

Cebu

$94 10.2%

Oued Zem

$112 15.1% 19.2% $18

Eating Out

Cebu

$88 9.6%

Oued Zem

$115 15.4% 29.8% $26

Sport & Entertainment

Cebu

$44 4.8%

Oued Zem

$41 5.6% 5% $2.2

Getting Around

Cebu

$16 1.7%

Oued Zem

$25 3.4% 62.2% $9.7

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $278 in Oued Zem. Housing cost is often the main lever when comparing two cities.

Cebu pays 45% 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 $41.00 in Oued Zem. Groceries flip the comparison at $206 vs $205, with Oued Zem cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇲🇦 Oued Zem

🕒 Local time

16:45 4:45 PM

09:45 9:45 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

95,267

💱 Currency

Philippine Peso PHP ₱

Moroccan Dirham MAD د.م.

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 MAD = 10.26 USD

100 MAD = 9.12 EUR

Exchange rates and currency converter

MAD, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Moroccan Dirham exchange rates as of October 19, 2026: 1 USD = 9.75 MAD (1 MAD = 0.103 USD). 1 EUR = 10.96 MAD (100 MAD = 9.12 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Oued Zem 12,910 km ≈ 17 h nonstop flight

From you

Cebu
Oued Zem

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 Oued Zem: Cost of Living - Frequently Asked Questions

Oued Zem is cheaper overall, especially in groceries and leisure. The 23% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 45% 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 $278 in Oued Zem. 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 $744 in Oued Zem – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Oued Zem runs roughly 48% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Oued Zem gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Oued Zem 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 Oued Zem 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 Oued Zem gentler on the wallet – expenses run 23% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.