Last update: Oct 2026

Cost of Living Comparison Between Cebu and Penshurst, NSW

For one person, living is cheaper in Cebu: $915 a month against $2,478 in Penshurst, NSW, rent and utilities included – about $18,800 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
120

Cost of Living Index in Penshurst, NSW
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Penshurst, NSW Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Penshurst, NSW

🇦🇺 Australia

$2,478

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Penshurst, NSW

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

Monthly costs for one person with rent: $915 in Cebu versus $2,478 in Penshurst, NSW.

Cebu $915
Penshurst, NSW $2,478

Estimated couple costs with rent: $1,418 in Cebu versus $3,587 in Penshurst, NSW.

Cebu $1,418
Penshurst, NSW $3,587

Monthly costs for a family of three with rent: $1,921 in Cebu versus $4,696 in Penshurst, NSW.

Cebu $1,921
Penshurst, NSW $4,696

Living in Cebu costs roughly 63% less than in Penshurst, NSW, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 33% below, Penshurst, NSW is 83% above.

Meal at Budget Restaurant

$3.05 ₱192

$17.72 A$25.50

-82.79%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$84.1 A$121

-71.47%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$10.31 A$14.84

-61.30%

Cappuccino

$2.50 ₱157

$4.08 A$5.87

-38.73%

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

$1.54 ₱97.1

$2.89 A$4.16

-46.71%

Water (0.33 liter bottle)

$0.50 ₱31.37

$2.24 A$3.22

-77.68%

Local Beer (0.5 liter draught)

$1.78 ₱112

$7.80 A$11.23

-77.18%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$7.43 A$10.70

-70.79%

Milk (1 liter)

$2.00 ₱126

$1.56 A$2.25

28.21%

White Bread (500g)

$1.37 ₱86.2

$2.63 A$3.79

-47.91%

Rice (white) (1kg)

$1.03 ₱64.9

$2.22 A$3.19

-53.60%

Eggs

$2.03 ₱128

$4.96 A$7.14

-59.07%

Local Cheese (1kg)

$10.20 ₱642

$9.02 A$12.99

13.08%

Chicken Fillets (1kg)

$4.45 ₱280

$9.17 A$13.20

-51.47%

Beef Round Steak (1kg)

$7.67 ₱483

$14.85 A$21.37

-48.35%

Apples (1kg)

$3.31 ₱208

$3.85 A$5.53

-14.03%

Banana (1kg)

$1.46 ₱91.8

$2.98 A$4.29

-51.01%

Oranges (1kg)

$2.32 ₱146

$3.27 A$4.71

-29.05%

Tomato (1kg)

$1.49 ₱94.0

$4.53 A$6.52

-67.11%

Potato (1kg)

$2.34 ₱147

$2.73 A$3.93

-14.29%

Onion (1kg)

$1.94 ₱122

$2.40 A$3.46

-19.17%

Lettuce (1 head)

$1.16 ₱73.0

$2.36 A$3.39

-50.85%

Water (1.5 liter bottle)

$0.68 ₱42.89

$1.55 A$2.22

-56.13%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$41.48 A$59.7

-92.79%

Wine (Bottle)

$6.24 ₱393

$14.09 A$20.28

-55.71%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$4.78 A$6.87

-74.27%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$5.13 A$7.38

-66.28%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$2.82 A$4.06

-91.84%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$81.9 A$118

-84.94%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$3.42 A$4.92

-76.90%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$1.58 A$2.27

-86.08%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$39.61 A$57.0

-88.54%

Gasoline (1 liter)

$1.32 ₱82.9

$1.35 A$1.95

-2.22%

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

$21.0K ₱1.3M

$27.1K A$39.0K

-22.40%

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

$19.4K ₱1.2M

$29.2K A$42.1K

-33.62%

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

$119 ₱7,464

$204 A$293

-41.78%

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

$14.22 ₱896

$27.94 A$40.20

-49.11%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$56.4 A$81.2

-51.32%

Gym Membership (Monthly)

$32.31 ₱2,034

$55.3 A$79.6

-41.55%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$17.31 A$24.91

-62.45%

Cinema Ticket

$5.40 ₱340

$14.86 A$21.39

-63.66%

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

$276 ₱17.4K

$2,170 A$3,123

-87.28%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$20.0K A$28.8K

-60.63%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$77.5 A$112

-36.32%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$53.1 A$76.4

-53.72%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$106 A$153

-27.78%

Men's Leather Business Shoes

$58.9 ₱3,706

$120 A$173

-51.11%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$1,365 A$1,964

-63.12%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$1,179 A$1,697

-74.18%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$2,117 A$3,047

-49.23%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$1,782 A$2,565

-64.54%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$5,918 A$8,517

-51.51%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$4,848 A$6,977

-61.28%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.84

23.29%

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

Last update for Cebu: October 19, 2026

Last update for Penshurst, NSW: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Penshurst, NSW

$1.2K 47.6% 287% $875

Groceries & Markets

Cebu

$210 22.9%

Penshurst, NSW

$364 14.7% 73.8% $155

Monthly Utilities & Internet

Cebu

$160 17.5%

Penshurst, NSW

$288 11.6% 79.7% $128

Clothing & Footwear

Cebu

$94 10.3%

Penshurst, NSW

$161 6.5% 70.5% $66

Eating Out

Cebu

$88 9.6%

Penshurst, NSW

$296 12% 237% $208

Sport & Entertainment

Cebu

$43 4.7%

Penshurst, NSW

$85 3.4% 97.2% $42

Getting Around

Cebu

$15 1.7%

Penshurst, NSW

$105 4.2% 590% $89

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $1,365 in Penshurst, NSW. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $84.0 in Penshurst, NSW for a mid-range dinner for two. Groceries echo the gap at $210 vs $364 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇦🇺 Penshurst, NSW

🕒 Local time

01:53 1:53 AM

04:53 4:53 AM

3 h ahead of Cebu

🌤 Weather

👥 Population

964,169

12,673

💱 Currency

Philippine Peso PHP ₱

Australian Dollar AUD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

Exchange rates and currency converter

AUD, 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).

Australian Dollar exchange rates as of October 20, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Penshurst, NSW 5,700 km ≈ 8 h nonstop flight

From you

Cebu
Penshurst, NSW

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 Penshurst, NSW: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 171% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,372 in Cebu and $3,717 in Penshurst, NSW to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $503 in Cebu versus $1,365 in Penshurst, NSW. 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 $2,478 in Penshurst, NSW – a 171% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 564% less than in Penshurst, NSW. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $2,478 in Penshurst, NSW, a $1,500 budget is realistic in Cebu but tight or insufficient in Penshurst, NSW. 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 Penshurst, NSW, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Penshurst, NSW 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 171% less than in Penshurst, NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.