Last update: Oct 2026

Cost of Living Comparison Between Cebu and Rugby

For one person, living is cheaper in Cebu: $918 a month against $2,325 in Rugby, rent and utilities included – about $16,900 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
113

Cost of Living Index in Rugby
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Rugby Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Rugby

🇬🇧 United Kingdom

$2,325

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Rugby

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

Monthly costs for one person with rent: $918 in Cebu versus $2,325 in Rugby.

Cebu $918
Rugby $2,325

Estimated couple costs with rent: $1,409 in Cebu versus $3,479 in Rugby.

Cebu $1,409
Rugby $3,479

Monthly costs for a family of three with rent: $1,900 in Cebu versus $4,633 in Rugby.

Cebu $1,900
Rugby $4,633

Living in Cebu costs roughly 61% less than in Rugby, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Rugby is 72% above.

Meal at Budget Restaurant

$3.09 ₱194

$20.21 £15.16

-84.71%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$77.8 £58.4

-68.86%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.15 £6.87

-57.16%

Cappuccino

$2.51 ₱158

$4.91 £3.68

-48.88%

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

$1.59 ₱100

$2.14 £1.61

-25.70%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.47 £1.10

-63.95%

Local Beer (0.5 liter draught)

$1.78 ₱112

$6.07 £4.56

-70.68%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$6.25 £4.69

-65.28%

Milk (1 liter)

$1.92 ₱121

$1.70 £1.28

12.94%

White Bread (500g)

$1.36 ₱85.4

$1.75 £1.31

-22.29%

Rice (white) (1kg)

$1.01 ₱63.5

$2.54 £1.91

-60.24%

Eggs

$2.03 ₱128

$3.95 £2.97

-48.61%

Local Cheese (1kg)

$9.86 ₱621

$9.00 £6.75

9.56%

Chicken Fillets (1kg)

$4.39 ₱277

$7.95 £5.97

-44.78%

Beef Round Steak (1kg)

$7.60 ₱479

$14.82 £11.12

-48.72%

Apples (1kg)

$3.30 ₱208

$2.50 £1.87

32.00%

Banana (1kg)

$1.39 ₱87.8

$1.75 £1.31

-20.57%

Oranges (1kg)

$2.33 ₱147

$2.40 £1.80

-2.92%

Tomato (1kg)

$1.50 ₱94.3

$3.07 £2.31

-51.14%

Potato (1kg)

$2.36 ₱149

$1.59 £1.19

48.43%

Onion (1kg)

$1.90 ₱119

$1.72 £1.29

10.47%

Lettuce (1 head)

$1.19 ₱74.9

$1.29 £0.97

-7.75%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.56 £1.17

-59.62%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$22.02 £16.52

-86.38%

Wine (Bottle)

$6.03 ₱379

$12.03 £9.03

-49.88%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$3.53 £2.65

-65.16%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.30 £2.47

-46.97%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.56 £1.92

-90.23%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$95.9 £71.9

-86.81%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$4.66 £3.50

-83.48%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.67 £1.25

-86.23%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$23.98 £17.99

-81.40%

Gasoline (1 liter)

$1.31 ₱82.8

$2.09 £1.57

-37.32%

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

$21.2K ₱1.3M

$37.7K £28.3K

-43.65%

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

$19.1K ₱1.2M

$40.6K £30.4K

-52.80%

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

$120 ₱7,569

$267 £200

-54.89%

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

$14.00 ₱882

$20.15 £15.12

-30.52%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$47.12 £35.35

-41.55%

Gym Membership (Monthly)

$32.33 ₱2,035

$56.8 £42.61

-43.08%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$14.75 £11.06

-61.69%

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

$275 ₱17.3K

$1,566 £1,175

-82.42%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$22.5K £16.9K

-64.85%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$105 £79.0

-53.12%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$30.79 £23.10

-18.03%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$84.6 £63.5

-9.03%

Men's Leather Business Shoes

$57.2 ₱3,601

$110 £82.6

-48.07%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$1,135 £851

-55.98%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$1,031 £774

-70.05%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,773 £1,330

-39.21%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,839 £1,380

-66.55%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$5,108 £3,832

-43.50%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$3,853 £2,891

-50.26%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$4,630 £3,474

-92.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.09

41.45%

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

Last update for Cebu: October 12, 2026

Last update for Rugby: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Rugby

$1K 44.4% 234% $722

Groceries & Markets

Cebu

$206 22.4%

Rugby

$300 12.9% 45.8% $94

Monthly Utilities & Internet

Cebu

$162 17.6%

Rugby

$334 14.4% 106% $172

Clothing & Footwear

Cebu

$94 10.2%

Rugby

$149 6.4% 58.5% $55

Eating Out

Cebu

$88 9.6%

Rugby

$305 13.1% 246% $217

Sport & Entertainment

Cebu

$44 4.8%

Rugby

$86 3.7% 97.8% $43

Getting Around

Cebu

$16 1.7%

Rugby

$119 5.1% 665% $104

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $1,135 in Rugby. Housing cost is often the main lever when comparing two cities.

Rugby pays 1238% 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 $78.0 in Rugby for a mid-range dinner for two. Groceries echo the gap at $206 vs $300 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇬🇧 Rugby

🕒 Local time

11:22 11:22 AM

04:22 4:22 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

70,628

💱 Currency

Philippine Peso PHP ₱

British Pound GBP £

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

Exchange rates and currency converter

GBP, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

British Pound exchange rates as of October 18, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Rugby 11,320 km ≈ 15 h nonstop flight

From you

Cebu
Rugby

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 Rugby: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 153% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1238% lower in Rugby. 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 $1,135 in Rugby. 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 $2,325 in Rugby – a 153% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 658% less than in Rugby. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,325 in Rugby, a $1,500 budget is realistic in Cebu but tight or insufficient in Rugby. 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 Rugby, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Rugby 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 153% less than in Rugby. Beyond cost, consider language, visa policies, and how big the international community is in each city.