Last update: Oct 2026

Cost of Living Comparison Between Cebu and Pangyo

For one person, living is cheaper in Cebu: $934 a month against $1,460 in Pangyo, rent and utilities included – about $6,300 less a year. The total is higher in Pangyo despite lower rent and utilities.

44

Cost of Living Index in Cebu
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Cebu Living Index
72

Cost of Living Index in Pangyo
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Pangyo Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Pangyo

🇰🇷 South Korea

$1,460

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Pangyo

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

Monthly costs for one person with rent: $934 in Cebu versus $1,460 in Pangyo.

Cebu $934
Pangyo $1,460

Estimated couple costs with rent: $1,415 in Cebu versus $2,303 in Pangyo.

Cebu $1,415
Pangyo $2,303

Monthly costs for a family of three with rent: $1,896 in Cebu versus $3,145 in Pangyo.

Cebu $1,896
Pangyo $3,145

Living in Cebu costs roughly 36% less than in Pangyo, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Cebu is 30% below, Pangyo is 9% above.

Meal at Budget Restaurant

$3.03 ₱191

$7.17 ₩9,634

-57.74%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,476

$30.05 ₩40.4K

-21.86%

Fast Food Meal (McDonalds, etc)

$4.09 ₱257

$6.54 ₩8,788

-37.46%

Cappuccino

$2.52 ₱158

$4.03 ₩5,407

-37.47%

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

$1.54 ₱97.2

$1.51 ₩2,028

1.99%

Water (0.33 liter bottle)

$0.49 ₱31.06

$0.71 ₩956

-30.99%

Local Beer (0.5 liter draught)

$1.79 ₱113

$2.96 ₩3,982

-39.53%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$3.98 ₩5,348

-43.22%

Milk (1 liter)

$1.95 ₱122

$2.30 ₩3,091

-15.22%

White Bread (500g)

$1.43 ₱89.9

$3.19 ₩4,284

-55.17%

Rice (white) (1kg)

$1.02 ₱64.0

$2.74 ₩3,682

-62.77%

Eggs

$2.06 ₱129

$2.69 ₩3,615

-23.42%

Local Cheese (1kg)

$9.81 ₱617

$10.88 ₩14.6K

-9.83%

Chicken Fillets (1kg)

$4.61 ₱290

$7.91 ₩10.6K

-41.72%

Beef Round Steak (1kg)

$7.70 ₱484

$21.43 ₩28.8K

-64.07%

Apples (1kg)

$3.31 ₱208

$7.68 ₩10.3K

-56.90%

Banana (1kg)

$1.45 ₱91.2

$3.62 ₩4,858

-59.94%

Oranges (1kg)

$2.36 ₱148

$7.50 ₩10.1K

-68.53%

Tomato (1kg)

$1.54 ₱96.6

$6.11 ₩8,201

-74.80%

Potato (1kg)

$2.36 ₱148

$3.62 ₩4,859

-34.81%

Onion (1kg)

$1.99 ₱125

$2.68 ₩3,596

-25.75%

Lettuce (1 head)

$1.15 ₱72.3

$2.78 ₩3,740

-58.63%

Water (1.5 liter bottle)

$0.67 ₱42.26

$1.28 ₩1,719

-47.66%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.45 ₩4,635

-13.04%

Wine (Bottle)

$6.35 ₱399

$18.84 ₩25.3K

-66.30%

Local Beer (0.5 liter bottle)

$1.31 ₱82.1

$2.29 ₩3,078

-42.79%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$3.46 ₩4,649

-50.00%

One-way Ticket (Public Transport)

$0.25 ₱15.82

$1.10 ₩1,479

-77.27%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱796

$47.53 ₩63.8K

-73.39%

Taxi Start (Normal Tariff)

$0.74 ₱46.44

$3.36 ₩4,515

-77.98%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.15

$0.66 ₩884

-68.18%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$13.05 ₩17.5K

-66.82%

Gasoline (1 liter)

$1.33 ₱83.7

$1.41 ₩1,891

-5.67%

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

$21.8K ₱1.4M

$30.8K ₩41.3M

-29.23%

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

$19.4K ₱1.2M

$38.4K ₩51.6M

-49.48%

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

$121 ₱7,583

$199 ₩267.4K

-39.44%

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

$14.45 ₱909

$36.74 ₩49.3K

-60.67%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,779

$22.15 ₩29.8K

27.72%

Gym Membership (Monthly)

$32.68 ₱2,055

$51.2 ₩68.7K

-36.13%

Tennis Court (1 Hour on Weekend)

$6.39 ₱402

$11.91 ₩16.0K

-46.35%

Cinema Ticket

$5.46 ₱343

$11.13 ₩14.9K

-50.94%

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

$273 ₱17.2K

$526 ₩706.1K

-47.99%

International Primary School, 1 Child (Yearly)

$8,156 ₱512.9K

$21.7K ₩29.1M

-62.36%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,117

$65.7 ₩88.2K

-24.52%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,564

$64.1 ₩86.1K

-61.21%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,817

$74.5 ₩100.1K

2.81%

Men's Leather Business Shoes

$59.3 ₱3,727

$101 ₩135.6K

-41.30%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.8K

$478 ₩642.6K

5.70%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$361 ₩484.9K

-14.30%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.1K

$1,182 ₩1.6M

-11.01%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.9K

$735 ₩987.8K

-15.83%

Buy Apartment in City Center (m2)

$2,915 ₱183.4K

$7,053 ₩9.5M

-58.66%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.4K

$5,546 ₩7.4M

-66.33%

Average Monthly Net Salary (After Tax)

$341 ₱21.5K

$5,262 ₩7.1M

-93.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.1

75.61%

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

Last update for Cebu: October 5, 2026

Last update for Pangyo: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Pangyo

$361 24.4% 16.7% $52

Groceries & Markets

Cebu

$210 22.7%

Pangyo

$433 29.3% 106% $222

Monthly Utilities & Internet

Cebu

$163 17.7%

Pangyo

$258 17.5% 58% $95

Clothing & Footwear

Cebu

$95 10.2%

Pangyo

$137 9.3% 45.2% $43

Eating Out

Cebu

$88 9.6%

Pangyo

$157 10.6% 77.6% $69

Sport & Entertainment

Cebu

$44 4.7%

Pangyo

$73 5% 68.4% $30

Getting Around

Cebu

$15 1.7%

Pangyo

$59 4% 280% $43

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $478 in Pangyo. Housing cost is often the main lever when comparing two cities.

Pangyo pays 1443% 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: $23.00 in Cebu vs $30.00 in Pangyo for a mid-range dinner for two. Groceries echo the gap at $210 vs $433 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇰🇷 Pangyo

🕒 Local time

13:03 1:03 PM

14:03 2:03 PM

1 h ahead of Cebu

🌤 Weather

👥 Population

964,169

💱 Currency

Philippine Peso PHP ₱

South Korean Won KRW ₩

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

10,000 KRW = 7.45 USD

10,000 KRW = 6.64 EUR

Exchange rates and currency converter

KRW, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

South Korean Won exchange rates as of October 10, 2026: 1 USD = 1,343 KRW (10,000 KRW = 7.45 USD). 1 EUR = 1,506 KRW (10,000 KRW = 6.64 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Pangyo 3,030 km ≈ 4 h 15 min nonstop flight

From you

Cebu
Pangyo

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 Pangyo: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 56% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1443% lower in Pangyo. 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: $506 in Cebu versus $478 in Pangyo. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $1,460 in Pangyo – a 56% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 276% less than in Pangyo. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,460 in Pangyo, a $1,500 budget is realistic in Cebu but tight or insufficient in Pangyo. 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 Pangyo, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Pangyo 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 56% less than in Pangyo. Beyond cost, consider language, visa policies, and how big the international community is in each city.