Last update: Nov 2026

Cost of Living Comparison Between Cebu and Ozamiz

For one person, living is cheaper in Ozamiz: $709 a month against $943 in Cebu, rent and utilities included – about $2,800 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
34

Cost of Living Index in Ozamiz
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Ozamiz Living Index

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Cebu

🇵🇭 Philippines

$943

/mo nomad

Ozamiz

🇵🇭 Philippines

$709

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ozamiz

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

Monthly costs for one person with rent: $943 in Cebu versus $709 in Ozamiz.

Cebu $943
Ozamiz $709

Estimated couple costs with rent: $1,437 in Cebu versus $1,076 in Ozamiz.

Cebu $1,437
Ozamiz $1,076

Monthly costs for a family of three with rent: $1,930 in Cebu versus $1,443 in Ozamiz.

Cebu $1,930
Ozamiz $1,443

Living in Cebu is roughly 33% more expensive than in Ozamiz, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Ozamiz 48% lower.

Meal at Budget Restaurant

$3.88 ₱246

$3.84 ₱244

1.04%

Three-Course Dinner for Two, Mid-Range

$23.22 ₱1,473

$16.64 ₱1,056

39.54%

Fast Food Meal (McDonalds, etc)

$3.90 ₱248

$2.76 ₱175

41.30%

Cappuccino

$2.56 ₱162

$2.20 ₱140

16.36%

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

$1.60 ₱102

$0.64 ₱40.81

150.00%

Water (0.33 liter bottle)

$0.51 ₱32.28

$0.33 ₱21.13

54.55%

Local Beer (0.5 liter draught)

$1.76 ₱112

$1.16 ₱73.5

51.72%

Imported Beer (0.33 liter bottle)

$2.15 ₱137

$2.04 ₱129

5.39%

Milk (1 liter)

$1.99 ₱126

$1.50 ₱95.4

32.67%

White Bread (500g)

$1.37 ₱87.0

$0.77 ₱48.88

77.92%

Rice (white) (1kg)

$0.95 ₱60.3

$0.82 ₱51.9

15.85%

Eggs

$2.02 ₱128

$2.00 ₱127

1.00%

Local Cheese (1kg)

$9.63 ₱611

$5.37 ₱341

79.33%

Chicken Fillets (1kg)

$4.35 ₱276

$3.42 ₱217

27.19%

Beef Round Steak (1kg)

$7.70 ₱489

$7.24 ₱459

6.35%

Apples (1kg)

$3.30 ₱209

$2.36 ₱150

39.83%

Banana (1kg)

$1.27 ₱80.3

$0.73 ₱46.00

73.97%

Oranges (1kg)

$2.34 ₱149

$2.38 ₱151

-1.68%

Tomato (1kg)

$1.51 ₱96.1

$1.16 ₱73.7

30.17%

Potato (1kg)

$2.23 ₱142

$2.15 ₱136

3.72%

Onion (1kg)

$1.93 ₱123

$1.52 ₱96.6

26.97%

Lettuce (1 head)

$1.18 ₱75.0

$1.10 ₱69.5

7.27%

Water (1.5 liter bottle)

$0.65 ₱41.24

$0.56 ₱35.61

16.07%

Cigarettes 20 Pack (Marlboro, Camel)

$2.89 ₱183

$2.81 ₱178

2.85%

Wine (Bottle)

$6.35 ₱403

$7.57 ₱480

-16.12%

Local Beer (0.5 liter bottle)

$1.27 ₱80.7

$0.92 ₱58.6

38.04%

Imported Beer (0.33 liter bottle)

$1.64 ₱104

$1.93 ₱123

-15.03%

One-way Ticket (Public Transport)

$0.23 ₱14.53

$0.26 ₱16.37

-11.54%

Public Transport Monthly Pass (Regular Price)

$12.24 ₱776

$12.47 ₱791

-1.84%

Taxi Start (Normal Tariff)

$0.82 ₱51.9

$0.80 ₱50.5

2.50%

Taxi (Normal Tariff) (1km)

$0.20 ₱12.66

$0.22 ₱13.98

-9.09%

Taxi 1hour Waiting (Normal Tariff)

$4.32 ₱274

$1.86 ₱118

132.26%

Gasoline (1 liter)

$1.38 ₱87.4

$1.02 ₱64.5

35.29%

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

$21.2K ₱1.3M

$20.9K ₱1.3M

1.65%

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

$19.3K ₱1.2M

$19.1K ₱1.2M

0.78%

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

$124 ₱7,876

$119 ₱7,552

4.28%

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

$15.93 ₱1,011

$15.79 ₱1,002

0.89%

Internet (50+ Mbps, Unlimited Data)

$28.07 ₱1,781

$24.04 ₱1,525

16.76%

Gym Membership (Monthly)

$33.41 ₱2,120

$31.50 ₱1,998

6.06%

Tennis Court (1 Hour on Weekend)

$6.40 ₱406

$5.31 ₱337

20.53%

Cinema Ticket

$5.85 ₱371

$5.16 ₱327

13.37%

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

$271 ₱17.2K

$130 ₱8,216

108.92%

International Primary School, 1 Child (Yearly)

$8,060 ₱511.3K

$7,814 ₱495.8K

3.14%

Jeans (Levis 501 Or Similar)

$48.31 ₱3,065

$32.81 ₱2,081

47.24%

Summer Dress (H&M, Zara, etc)

$24.56 ₱1,558

$19.14 ₱1,214

28.32%

Sport Shoes (Adidas, Nike)

$77.1 ₱4,893

$70.9 ₱4,500

8.76%

Men's Leather Business Shoes

$56.5 ₱3,585

$55.7 ₱3,531

1.53%

1-bedroom Apartment, City Center (Monthly)

$495 ₱31.4K

$246 ₱15.6K

101.23%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.4K

$169 ₱10.7K

90.85%

3-bedroom Apartment, City Center (Monthly)

$990 ₱62.8K

$484 ₱30.7K

104.44%

3-bedroom Apartment, Outside City Center (Monthly)

$628 ₱39.9K

$344 ₱21.8K

82.48%

Buy Apartment in City Center (m2)

$4,459 ₱282.9K

$2,637 ₱167.3K

69.06%

Buy Apartment Outside City Center (m2)

$3,030 ₱192.2K

$1,127 ₱71.5K

168.76%

Average Monthly Net Salary (After Tax)

$343 ₱21.7K

$188 ₱11.9K

82.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.92

4.05%

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

Last update for Cebu: November 2, 2026

Last update for Ozamiz: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.1%

Ozamiz

$169 23.8% 47.6% $153

Groceries & Markets

Cebu

$206 21.8%

Ozamiz

$165 23.2% 19.9% $41

Monthly Utilities & Internet

Cebu

$168 17.8%

Ozamiz

$159 22.4% 5.5% $9.3

Eating Out

Cebu

$95 10.1%

Ozamiz

$79 11.2% 16.6% $16

Clothing & Footwear

Cebu

$93 9.9%

Ozamiz

$80 11.3% 13.5% $13

Sport & Entertainment

Cebu

$45 4.8%

Ozamiz

$42 5.9% 7.3% $3.3

Getting Around

Cebu

$15 1.6%

Ozamiz

$15 2.2% 2.9% $0.4

Cost Breakdown

A one-bedroom apartment in the center runs $495 in Cebu and $246 in Ozamiz. Housing cost is often the main lever when comparing two cities.

Cebu pays 82% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $23 in Cebu vs $17 in Ozamiz for a mid-range dinner for two. Groceries echo the gap at $206 vs $165 per month, with Ozamiz cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇭 Ozamiz

🕒 Local time

12:42 12:42 PM

Same time as Cebu

🌤 Weather

👥 Population

964,169

141,828

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.58 USD

100 PHP = 1.41 EUR

100 PHP = 1.58 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

On the map

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Cebu Ozamiz 240 km

From you

Cebu
Ozamiz

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 Ozamiz: Cost of Living - Frequently Asked Questions

Ozamiz is about 25% cheaper overall, especially in groceries, eating out, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 82% 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: $495 in Cebu versus $246 in Ozamiz. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 25% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $943 per month in Cebu versus $709 in Ozamiz – Ozamiz is about 25% cheaper, which adds up to real savings over time.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Ozamiz wins on affordability, Cebu on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.