Last update: Oct 2026

Cost of Living Comparison Between Cebu and Pacov

For one person, living is cheaper in Cebu: $915 a month against $1,783 in Pacov, rent and utilities included – about $10,400 less a year. Rent and utilities account for about half of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
86

Cost of Living Index in Pacov
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Pacov Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Pacov

🇨🇿 Czech Republic

$1,783

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Pacov

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

Monthly costs for one person with rent: $915 in Cebu versus $1,783 in Pacov.

Cebu $915
Pacov $1,783

Estimated couple costs with rent: $1,418 in Cebu versus $2,596 in Pacov.

Cebu $1,418
Pacov $2,596

Monthly costs for a family of three with rent: $1,921 in Cebu versus $3,410 in Pacov.

Cebu $1,921
Pacov $3,410

Living in Cebu costs roughly 49% less than in Pacov, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Cebu is 33% below, Pacov is 32% above.

Meal at Budget Restaurant

$3.05 ₱192

$8.98 Kč 194

-66.04%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$45.60 Kč 986

-47.37%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$12.70 Kč 275

-68.58%

Cappuccino

$2.50 ₱157

$2.83 Kč 61.3

-11.66%

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

$1.54 ₱97.1

$2.67 Kč 57.7

-42.32%

Water (0.33 liter bottle)

$0.50 ₱31.37

$1.40 Kč 30.28

-64.29%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.38 Kč 29.85

28.99%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$5.22 Kč 113

-58.43%

Milk (1 liter)

$2.00 ₱126

$1.63 Kč 35.28

22.70%

White Bread (500g)

$1.37 ₱86.2

$1.39 Kč 30.15

-1.44%

Rice (white) (1kg)

$1.03 ₱64.9

$3.16 Kč 68.4

-67.41%

Eggs

$2.03 ₱128

$5.40 Kč 117

-62.41%

Local Cheese (1kg)

$10.20 ₱642

$12.15 Kč 263

-16.05%

Chicken Fillets (1kg)

$4.45 ₱280

$9.15 Kč 198

-51.37%

Beef Round Steak (1kg)

$7.67 ₱483

$20.94 Kč 453

-63.37%

Apples (1kg)

$3.31 ₱208

$1.33 Kč 28.77

148.87%

Banana (1kg)

$1.46 ₱91.8

$2.67 Kč 57.8

-45.32%

Oranges (1kg)

$2.32 ₱146

$3.82 Kč 82.6

-39.27%

Tomato (1kg)

$1.49 ₱94.0

$3.48 Kč 75.3

-57.18%

Potato (1kg)

$2.34 ₱147

$1.01 Kč 21.91

131.68%

Onion (1kg)

$1.94 ₱122

$2.02 Kč 43.78

-3.96%

Lettuce (1 head)

$1.16 ₱73.0

$1.25 Kč 26.95

-7.20%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.71 Kč 15.28

-4.23%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$3.75 Kč 81.0

-20.27%

Wine (Bottle)

$6.24 ₱393

$7.02 Kč 152

-11.11%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$0.78 Kč 16.85

57.69%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.69 Kč 36.64

2.37%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$1.12 Kč 24.18

-79.46%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$24.70 Kč 534

-50.04%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$2.34 Kč 50.5

-66.24%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.95 Kč 20.45

-76.84%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$27.61 Kč 597

-83.56%

Gasoline (1 liter)

$1.32 ₱82.9

$1.80 Kč 38.91

-26.67%

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

$21.0K ₱1.3M

$31.4K Kč 678.2K

-33.02%

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

$19.4K ₱1.2M

$29.5K Kč 638.5K

-34.29%

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

$119 ₱7,464

$275 Kč 5,956

-56.96%

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

$14.22 ₱896

$22.08 Kč 478

-35.60%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$19.18 Kč 415

43.22%

Gym Membership (Monthly)

$32.31 ₱2,034

$97.3 Kč 2,104

-66.79%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$16.90 Kč 366

-61.54%

Cinema Ticket

$5.40 ₱340

$13.25 Kč 287

-59.25%

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

$276 ₱17.4K

$478 Kč 10.3K

-42.23%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$10.1K Kč 218.9K

-22.27%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$113 Kč 2,449

-56.41%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$74.7 Kč 1,616

-67.10%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$172 Kč 3,724

-55.50%

Men's Leather Business Shoes

$58.9 ₱3,706

$121 Kč 2,609

-51.21%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$721 Kč 15.6K

-30.15%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$605 Kč 13.1K

-49.69%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$1,183 Kč 25.6K

-9.12%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$935 Kč 20.2K

-32.40%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$4,580 Kč 99.1K

-37.35%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$4,506 Kč 97.4K

-58.34%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$1,096 Kč 23.7K

-69.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.85

-8.28%

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

Last update for Cebu: October 19, 2026

Last update for Pacov: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Pacov

$605 34% 98.8% $301

Groceries & Markets

Cebu

$210 22.9%

Pacov

$307 17.2% 46.4% $97

Monthly Utilities & Internet

Cebu

$160 17.5%

Pacov

$317 17.8% 97.6% $156

Clothing & Footwear

Cebu

$94 10.3%

Pacov

$216 12.1% 130% $122

Eating Out

Cebu

$88 9.6%

Pacov

$178 10% 102% $90

Sport & Entertainment

Cebu

$43 4.7%

Pacov

$124 6.9% 187% $81

Getting Around

Cebu

$15 1.7%

Pacov

$36 2% 139% $21

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $721 in Pacov. Housing cost is often the main lever when comparing two cities.

Pacov pays 226% 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 $46.00 in Pacov for a mid-range dinner for two. Groceries echo the gap at $210 vs $307 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇨🇿 Pacov

🕒 Local time

23:57 11:57 PM

17:57 5:57 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

4,700

💱 Currency

Philippine Peso PHP ₱

Czech Koruna CZK Kč

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

Exchange rates and currency converter

CZK, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Czech Koruna exchange rates as of October 20, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Pacov 10,460 km ≈ 14 h nonstop flight

From you

Cebu
Pacov

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 Pacov: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 95% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 226% lower in Pacov. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $503 in Cebu versus $721 in Pacov. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $915 per month in Cebu versus $1,783 in Pacov – a 95% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 100% less than in Pacov. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,783 in Pacov, a $1,500 budget is realistic in Cebu but tight or insufficient in Pacov. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Pacov, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Pacov 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 Cebu gentler on the wallet – expenses run 95% less than in Pacov. Beyond cost, consider language, visa policies, and how big the international community is in each city.