Last update: Oct 2026

Cost of Living Comparison Between Cebu and Oyo

For one person, living is cheaper in Oyo: $626 a month against $918 in Cebu, rent and utilities included – about $3,500 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
30

Cost of Living Index in Oyo
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Oyo Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Oyo

🇳🇬 Nigeria

$626

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Oyo

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

Monthly costs for one person with rent: $918 in Cebu versus $626 in Oyo.

Cebu $918
Oyo $626

Estimated couple costs with rent: $1,409 in Cebu versus $1,161 in Oyo.

Cebu $1,409
Oyo $1,161

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,695 in Oyo.

Cebu $1,900
Oyo $1,695

Living in Cebu is roughly 47% more expensive than in Oyo, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 32% lower, Oyo 54% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.72 ₦4,947

-16.94%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$50.8 ₦67.5K

-52.29%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.48 ₦9,946

-47.59%

Cappuccino

$2.51 ₱158

$2.79 ₦3,711

-10.04%

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

$1.59 ₱100

$0.40 ₦536

297.50%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.12 ₦166

341.67%

Local Beer (0.5 liter draught)

$1.78 ₱112

$0.39 ₦520

356.41%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$0.51 ₦677

325.49%

Milk (1 liter)

$1.92 ₱121

$3.08 ₦4,090

-37.66%

White Bread (500g)

$1.36 ₱85.4

$0.52 ₦691

161.54%

Rice (white) (1kg)

$1.01 ₱63.5

$0.89 ₦1,182

13.48%

Eggs

$2.03 ₱128

$2.25 ₦2,994

-9.78%

Local Cheese (1kg)

$9.86 ₱621

$3.61 ₦4,799

173.13%

Chicken Fillets (1kg)

$4.39 ₱277

$3.88 ₦5,167

13.14%

Beef Round Steak (1kg)

$7.60 ₱479

$4.54 ₦6,035

67.40%

Apples (1kg)

$3.30 ₱208

$1.65 ₦2,189

100.00%

Banana (1kg)

$1.39 ₱87.8

$1.28 ₦1,703

8.59%

Oranges (1kg)

$2.33 ₱147

$1.14 ₦1,519

104.39%

Tomato (1kg)

$1.50 ₱94.3

$1.29 ₦1,714

16.28%

Potato (1kg)

$2.36 ₱149

$1.32 ₦1,754

78.79%

Onion (1kg)

$1.90 ₱119

$1.35 ₦1,792

40.74%

Lettuce (1 head)

$1.19 ₱74.9

$0.89 ₦1,181

33.71%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.31 ₦417

103.23%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$0.55 ₦731

445.45%

Wine (Bottle)

$6.03 ₱379

$2.52 ₦3,350

139.29%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.36 ₦484

241.67%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$0.49 ₦656

257.14%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.37 ₦488

-32.43%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$14.98 ₦19.9K

-15.62%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.67 ₦891

14.93%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.92 ₦1,222

-75.00%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.24 ₦2,982

99.11%

Gasoline (1 liter)

$1.31 ₱82.8

$0.82 ₦1,096

59.76%

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

$21.2K ₱1.3M

$11.4K ₦15.1M

86.88%

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

$19.1K ₱1.2M

$13.9K ₦18.4M

38.18%

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

$120 ₱7,569

$14.96 ₦19.9K

703.68%

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

$14.00 ₱882

$14.73 ₦19.6K

-4.96%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$33.32 ₦44.3K

-17.35%

Gym Membership (Monthly)

$32.33 ₱2,035

$14.81 ₦19.7K

118.30%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$4.69 ₦6,235

41.79%

Cinema Ticket

$5.65 ₱356

$6.19 ₦8,230

-8.72%

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

$275 ₱17.3K

$658 ₦875.1K

-58.15%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$19.9K ₦26.5M

-60.27%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$6.07 ₦8,075

712.69%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$17.88 ₦23.8K

41.16%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$14.98 ₦19.9K

413.75%

Men's Leather Business Shoes

$57.2 ₱3,601

$10.71 ₦14.2K

434.08%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$432 ₦574.1K

15.73%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$260 ₦345.9K

18.75%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,111 ₦1.5M

-2.96%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$689 ₦916.8K

-10.74%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$751 ₦998.8K

284.34%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$187 ₦249.1K

923.31%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$33.32 ₦44.3K

938.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-28.00%

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

Last update for Cebu: October 12, 2026

Last update for Oyo: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Oyo

$260 41.5% 15.8% $49

Groceries & Markets

Cebu

$206 22.4%

Oyo

$141 22.5% 31.5% $65

Monthly Utilities & Internet

Cebu

$162 17.6%

Oyo

$63 10.1% 61% $99

Clothing & Footwear

Cebu

$94 10.2%

Oyo

$22 3.6% 76.2% $72

Eating Out

Cebu

$88 9.6%

Oyo

$91 14.5% 2.8% $2.5

Sport & Entertainment

Cebu

$44 4.8%

Oyo

$27 4.3% 37.7% $16

Getting Around

Cebu

$16 1.7%

Oyo

$22 3.5% 39.4% $6.1

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $432 in Oyo. Housing cost is often the main lever when comparing two cities.

Cebu pays 938% 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 $51.0 in Oyo. Groceries flip the comparison at $206 vs $141, with Oyo cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇳🇬 Oyo

🕒 Local time

01:17 1:17 AM

18:17 6:17 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

736,100

💱 Currency

Philippine Peso PHP ₱

Nigerian Naira NGN ₦

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

10,000 NGN = 7.52 USD

10,000 NGN = 6.69 EUR

Exchange rates and currency converter

NGN, 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).

Nigerian Naira exchange rates as of October 17, 2026: 1 USD = 1,330 NGN (10,000 NGN = 7.52 USD). 1 EUR = 1,496 NGN (10,000 NGN = 6.69 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Oyo 13,070 km ≈ 17 h nonstop flight

From you

Cebu
Oyo

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 Oyo: Cost of Living - Frequently Asked Questions

Oyo is cheaper overall, especially in groceries, clothing, and leisure. The 47% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 938% 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 $432 in Oyo. 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 $626 in Oyo – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Oyo runs roughly 19% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Oyo gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Oyo 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 Oyo 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 Oyo gentler on the wallet – expenses run 47% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.