Last update: Oct 2026

Cost of Living Comparison Between Cebu and Rayagada

For one person, living is cheaper in Rayagada: $329 a month against $934 in Cebu, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
16

Cost of Living Index in Rayagada
Learn more

Rayagada Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Rayagada

🇮🇳 India

$329

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Rayagada

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

Monthly costs for one person with rent: $934 in Cebu versus $329 in Rayagada.

Cebu $934
Rayagada $329

Estimated couple costs with rent: $1,423 in Cebu versus $529 in Rayagada.

Cebu $1,423
Rayagada $529

Monthly costs for a family of three with rent: $1,913 in Cebu versus $730 in Rayagada.

Cebu $1,913
Rayagada $730

Living in Cebu is roughly 184% more expensive than in Rayagada, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 31% lower, Rayagada 76% lower.

Meal at Budget Restaurant

$3.79 ₱243

$1.63 ₹155

132.52%

Three-Course Dinner for Two, Mid-Range

$23.33 ₱1,493

$8.42 ₹802

177.08%

Fast Food Meal (McDonalds, etc)

$3.94 ₱252

$3.13 ₹298

25.88%

Cappuccino

$2.54 ₱163

$1.07 ₹102

137.38%

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

$1.57 ₱100

$0.33 ₹31.87

375.76%

Water (0.33 liter bottle)

$0.47 ₱29.87

$0.11 ₹10.70

327.27%

Local Beer (0.5 liter draught)

$1.77 ₱113

$2.06 ₹196

-14.08%

Imported Beer (0.33 liter bottle)

$2.22 ₱142

$3.16 ₹301

-29.75%

Milk (1 liter)

$1.90 ₱121

$0.46 ₹44.22

313.04%

White Bread (500g)

$1.36 ₱87.3

$0.51 ₹48.62

166.67%

Rice (white) (1kg)

$0.94 ₱59.9

$0.59 ₹56.4

59.32%

Eggs

$1.99 ₱127

$0.86 ₹81.4

131.40%

Local Cheese (1kg)

$9.70 ₱621

$2.98 ₹284

225.50%

Chicken Fillets (1kg)

$4.32 ₱277

$2.69 ₹256

60.59%

Beef Round Steak (1kg)

$7.51 ₱481

Apples (1kg)

$3.31 ₱212

$1.62 ₹155

104.32%

Banana (1kg)

$1.37 ₱87.6

$0.62 ₹58.8

120.97%

Oranges (1kg)

$2.34 ₱150

$0.78 ₹74.0

200.00%

Tomato (1kg)

$1.49 ₱95.5

$0.40 ₹38.14

272.50%

Potato (1kg)

$2.30 ₱147

$0.36 ₹34.02

538.89%

Onion (1kg)

$1.87 ₱120

$0.39 ₹37.45

379.49%

Lettuce (1 head)

$1.10 ₱70.5

$0.55 ₹52.8

100.00%

Water (1.5 liter bottle)

$0.63 ₱40.42

$0.30 ₹28.55

110.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱183

$3.59 ₹342

-20.33%

Wine (Bottle)

$6.08 ₱389

$8.86 ₹843

-31.38%

Local Beer (0.5 liter bottle)

$1.27 ₱81.6

$1.71 ₹163

-25.73%

Imported Beer (0.33 liter bottle)

$1.72 ₱110

$3.07 ₹292

-43.97%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.34 ₹413

One-way Ticket (Public Transport)

$0.22 ₱14.01

$0.21 ₹20.00

4.76%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱790

$6.13 ₹584

101.31%

Taxi Start (Normal Tariff)

$0.74 ₱47.61

$0.55 ₹52.8

34.55%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.11

$0.15 ₹14.41

46.67%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₱274

$2.06 ₹196

107.77%

Gasoline (1 liter)

$1.31 ₱83.8

$1.06 ₹101

23.58%

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

$20.8K ₱1.3M

$11.3K ₹1.1M

83.42%

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

$19.0K ₱1.2M

$22.4K ₹2.1M

-15.13%

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

$118 ₱7,577

$21.40 ₹2,037

453.32%

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

$15.76 ₱1,009

$3.52 ₹335

347.73%

Internet (50+ Mbps, Unlimited Data)

$28.33 ₱1,813

$5.28 ₹503

436.55%

Gym Membership (Monthly)

$32.94 ₱2,108

$13.94 ₹1,327

136.30%

Tennis Court (1 Hour on Weekend)

$6.49 ₱415

$7.03 ₹669

-7.68%

Cinema Ticket

$5.45 ₱349

$2.66 ₹254

104.89%

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

$276 ₱17.6K

$50.5 ₹4,810

445.80%

International Primary School, 1 Child (Yearly)

$7,789 ₱498.5K

$1,567 ₹149.2K

397.17%

Jeans (Levis 501 Or Similar)

$48.18 ₱3,083

$22.63 ₹2,155

112.90%

Summer Dress (H&M, Zara, etc)

$24.47 ₱1,566

$20.74 ₹1,975

17.98%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,818

$30.33 ₹2,888

148.20%

Men's Leather Business Shoes

$58.0 ₱3,713

$31.40 ₹2,990

84.78%

1-bedroom Apartment, City Center (Monthly)

$477 ₱30.5K

$120 ₹11.4K

299.01%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.6K

$75.6 ₹7,196

325.75%

3-bedroom Apartment, City Center (Monthly)

$963 ₱61.6K

$264 ₹25.1K

265.33%

3-bedroom Apartment, Outside City Center (Monthly)

$626 ₱40.0K

$185 ₹17.6K

238.45%

Buy Apartment in City Center (m2)

$4,551 ₱291.3K

$975 ₹92.8K

366.76%

Buy Apartment Outside City Center (m2)

$3,028 ₱193.8K

$528 ₹50.3K

473.36%

Average Monthly Net Salary (After Tax)

$333 ₱21.3K

$684 ₹65.1K

-51.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

8.58

-16.08%

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

Last update for Cebu: October 26, 2026

Last update for Rayagada: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.5%

Rayagada

$76 23% 76.5% $246

Groceries & Markets

Cebu

$204 21.8%

Rayagada

$95 28.8% 53.4% $109

Monthly Utilities & Internet

Cebu

$163 17.4%

Rayagada

$30 9.2% 81.4% $132

Eating Out

Cebu

$94 10.1%

Rayagada

$54 16.3% 43% $40

Clothing & Footwear

Cebu

$93 9.9%

Rayagada

$47 14.4% 49% $45

Sport & Entertainment

Cebu

$44 4.7%

Rayagada

$19 5.9% 56.1% $25

Getting Around

Cebu

$15 1.6%

Rayagada

$8.3 2.5% 45% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $477 in Cebu and $120 in Rayagada. Housing cost is often the main lever when comparing two cities.

Rayagada pays about 2.1 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23 in Cebu vs $8 in Rayagada for a mid-range dinner for two. Groceries echo the gap at $204 vs $95 per month, with Rayagada cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Rayagada

🕒 Local time

13:24 1:24 PM

10:54 10:54 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

71,208

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

INR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.24 PHP (100 PHP = 1.4 EUR).

Indian Rupee exchange rates as of October 29, 2026: 1 USD = 95.21 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Rayagada 4,450 km ≈ 6 h nonstop flight

From you

Cebu
Rayagada

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 Rayagada: Cost of Living - Frequently Asked Questions

Rayagada is about 65% cheaper overall, especially in groceries, clothing, and eating out. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 51% lower in Cebu. 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: $477 in Cebu versus $120 in Rayagada. 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 $329 in Rayagada – Rayagada is about 65% cheaper, which adds up to real savings over time.

A monthly transit pass in Rayagada runs roughly 50% less than in Cebu. The price difference matters if you commute daily and watch your budget.

At $329 in Rayagada versus $934 in Cebu, a $800 budget is realistic in Rayagada but tight or insufficient in Cebu. The gap between the two cities makes Rayagada the clear choice for anyone on this budget.

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.

Expats usually find Rayagada gentler on the wallet – expenses run 65% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.