Last update: Oct 2026

Cost of Living Comparison Between Cebu and Pinhal Novo

For one person, living is cheaper in Cebu: $918 a month against $1,597 in Pinhal Novo, rent and utilities included – about $8,100 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
79

Cost of Living Index in Pinhal Novo
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Pinhal Novo Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Pinhal Novo

🇵🇹 Portugal

$1,597

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Pinhal Novo

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

Monthly costs for one person with rent: $918 in Cebu versus $1,597 in Pinhal Novo.

Cebu $918
Pinhal Novo $1,597

Estimated couple costs with rent: $1,409 in Cebu versus $2,276 in Pinhal Novo.

Cebu $1,409
Pinhal Novo $2,276

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,955 in Pinhal Novo.

Cebu $1,900
Pinhal Novo $2,955

Living in Cebu costs roughly 43% less than in Pinhal Novo, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Pinhal Novo is 18% above.

Meal at Budget Restaurant

$3.09 ₱194

$12.73 €11.32

-75.73%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$53.5 €47.54

-54.69%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.70 €7.74

-54.94%

Cappuccino

$2.51 ₱158

$1.27 €1.13

97.64%

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

$1.59 ₱100

$1.63 €1.45

-2.45%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.11 €0.99

-52.25%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.77 €2.46

-35.74%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.87 €2.56

-24.39%

Milk (1 liter)

$1.92 ₱121

$1.09 €0.97

76.15%

White Bread (500g)

$1.36 ₱85.4

$2.38 €2.12

-42.86%

Rice (white) (1kg)

$1.01 ₱63.5

$1.36 €1.21

-25.74%

Eggs

$2.03 ₱128

$2.67 €2.37

-23.97%

Local Cheese (1kg)

$9.86 ₱621

$11.79 €10.49

-16.37%

Chicken Fillets (1kg)

$4.39 ₱277

$6.85 €6.09

-35.91%

Beef Round Steak (1kg)

$7.60 ₱479

$10.86 €9.66

-30.02%

Apples (1kg)

$3.30 ₱208

$1.79 €1.60

84.36%

Banana (1kg)

$1.39 ₱87.8

$1.28 €1.13

8.59%

Oranges (1kg)

$2.33 ₱147

$1.40 €1.24

66.43%

Tomato (1kg)

$1.50 ₱94.3

$2.48 €2.20

-39.52%

Potato (1kg)

$2.36 ₱149

$1.31 €1.17

80.15%

Onion (1kg)

$1.90 ₱119

$1.71 €1.52

11.11%

Lettuce (1 head)

$1.19 ₱74.9

$1.65 €1.47

-27.88%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.20 €1.07

-47.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.11 €5.44

-50.90%

Wine (Bottle)

$6.03 ₱379

$5.57 €4.96

8.26%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.31 €1.16

-6.11%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.38 €1.23

26.81%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.28 €2.03

-89.04%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$41.62 €37.02

-69.63%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$4.43 €3.94

-82.62%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.97 €0.86

-76.29%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$18.29 €16.27

-75.62%

Gasoline (1 liter)

$1.31 ₱82.8

$2.17 €1.93

-39.63%

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

$21.2K ₱1.3M

$34.0K €30.2K

-37.43%

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

$19.1K ₱1.2M

$38.2K €34.0K

-49.93%

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

$120 ₱7,569

$125 €111

-3.43%

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

$14.00 ₱882

$19.95 €17.74

-29.82%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$44.85 €39.89

-38.60%

Gym Membership (Monthly)

$32.33 ₱2,035

$40.45 €35.98

-20.07%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$16.65 €14.81

-60.06%

Cinema Ticket

$5.65 ₱356

$9.01 €8.01

-37.29%

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

$275 ₱17.3K

$626 €557

-56.01%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$13.6K €12.1K

-41.73%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$74.8 €66.5

-34.05%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$29.71 €26.43

-15.05%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$108 €96.1

-28.77%

Men's Leather Business Shoes

$57.2 ₱3,601

$104 €92.3

-44.88%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$979 €870

-48.96%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$737 €656

-58.10%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,603 €1,426

-32.76%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,001 €891

-38.56%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,857 €2,541

1.02%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,354 €2,094

-18.60%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,094 €973

-68.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.88

85.57%

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

Last update for Cebu: October 12, 2026

Last update for Pinhal Novo: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Pinhal Novo

$737 46.1% 139% $428

Groceries & Markets

Cebu

$206 22.4%

Pinhal Novo

$236 14.8% 14.8% $31

Monthly Utilities & Internet

Cebu

$162 17.6%

Pinhal Novo

$189 11.9% 17% $28

Clothing & Footwear

Cebu

$94 10.2%

Pinhal Novo

$142 8.9% 51.5% $48

Eating Out

Cebu

$88 9.6%

Pinhal Novo

$174 10.9% 96.8% $85

Sport & Entertainment

Cebu

$44 4.8%

Pinhal Novo

$58 3.7% 34% $15

Getting Around

Cebu

$16 1.7%

Pinhal Novo

$60 3.8% 286% $44

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $979 in Pinhal Novo. Housing cost is often the main lever when comparing two cities.

Pinhal Novo pays 216% 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 $53.0 in Pinhal Novo for a mid-range dinner for two. Groceries echo the gap at $206 vs $236 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇹 Pinhal Novo

🕒 Local time

07:57 7:57 AM

00:57 12:57 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

26,991

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Euro exchange rates as of October 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Pinhal Novo 12,700 km ≈ 16 h nonstop flight

From you

Cebu
Pinhal Novo

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 Pinhal Novo: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 74% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 216% lower in Pinhal Novo. 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: $500 in Cebu versus $979 in Pinhal Novo. 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 $1,597 in Pinhal Novo – a 74% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 229% less than in Pinhal Novo. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,597 in Pinhal Novo, a $1,500 budget is realistic in Cebu but tight or insufficient in Pinhal Novo. 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 Pinhal Novo, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Pinhal Novo 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 74% less than in Pinhal Novo. Beyond cost, consider language, visa policies, and how big the international community is in each city.