Last update: Oct 2026

Cost of Living Comparison Between Cebu and Sagamu

For one person, living is cheaper in Sagamu: $479 a month against $918 in Cebu, rent and utilities included – about $5,300 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
23

Cost of Living Index in Sagamu
Learn more

Sagamu Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Sagamu

🇳🇬 Nigeria

$479

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Sagamu

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

Monthly costs for one person with rent: $918 in Cebu versus $479 in Sagamu.

Cebu $918
Sagamu $479

Estimated couple costs with rent: $1,409 in Cebu versus $804 in Sagamu.

Cebu $1,409
Sagamu $804

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,129 in Sagamu.

Cebu $1,900
Sagamu $1,129

Living in Cebu is roughly 92% more expensive than in Sagamu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Sagamu 65% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.67 ₦4,883

-15.80%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$49.25 ₦65.5K

-50.82%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.38 ₦9,819

-46.88%

Cappuccino

$2.51 ₱158

$2.77 ₦3,685

-9.39%

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

$1.59 ₱100

$0.44 ₦581

261.36%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.24 ₦320

120.83%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.02 ₦1,352

74.51%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.99 ₦2,642

9.05%

Milk (1 liter)

$1.92 ₱121

$3.16 ₦4,205

-39.24%

White Bread (500g)

$1.36 ₱85.4

$1.42 ₦1,886

-4.23%

Rice (white) (1kg)

$1.01 ₱63.5

$1.25 ₦1,660

-19.20%

Eggs

$2.03 ₱128

$2.22 ₦2,947

-8.56%

Local Cheese (1kg)

$9.86 ₱621

$3.63 ₦4,830

171.63%

Chicken Fillets (1kg)

$4.39 ₱277

$3.81 ₦5,073

15.22%

Beef Round Steak (1kg)

$7.60 ₱479

$4.36 ₦5,801

74.31%

Apples (1kg)

$3.30 ₱208

$1.71 ₦2,280

92.98%

Banana (1kg)

$1.39 ₱87.8

$1.29 ₦1,711

7.75%

Oranges (1kg)

$2.33 ₱147

$1.10 ₦1,458

111.82%

Tomato (1kg)

$1.50 ₱94.3

$1.27 ₦1,693

18.11%

Potato (1kg)

$2.36 ₱149

$1.34 ₦1,778

76.12%

Onion (1kg)

$1.90 ₱119

$1.35 ₦1,795

40.74%

Lettuce (1 head)

$1.19 ₱74.9

$0.83 ₦1,106

43.37%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.40 ₦530

57.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$0.54 ₦721

455.56%

Wine (Bottle)

$6.03 ₱379

$2.40 ₦3,189

151.25%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.54 ₦720

127.78%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$0.50 ₦670

250.00%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.67 ₦886

14.93%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.91 ₦1,213

-74.73%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$2.20 ₦2,920

102.73%

Gasoline (1 liter)

$1.31 ₱82.8

$0.87 ₦1,163

50.57%

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

$21.2K ₱1.3M

$11.1K ₦14.8M

91.14%

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

$19.1K ₱1.2M

$13.5K ₦17.9M

42.12%

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

$120 ₱7,569

$111 ₦148.0K

8.07%

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

$14.00 ₱882

$14.97 ₦19.9K

-6.48%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$32.51 ₦43.2K

-15.29%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$6.33 ₦8,418

-10.74%

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

$275 ₱17.3K

$659 ₦876.5K

-58.22%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$19.9K ₦26.5M

-60.21%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$14.65 ₦19.5K

236.72%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$18.30 ₦24.3K

37.92%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$36.36 ₦48.4K

111.66%

Men's Leather Business Shoes

$57.2 ₱3,601

$47.86 ₦63.7K

19.52%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

18.39

-60.85%

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

Last update for Cebu: October 12, 2026

Last update for Sagamu: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Sagamu

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Sagamu

$153 32% 25.7% $53

Monthly Utilities & Internet

Cebu

$162 17.6%

Sagamu

$159 33.2% 1.9% $3

Clothing & Footwear

Cebu

$94 10.2%

Sagamu

$53 11% 43.9% $41

Eating Out

Cebu

$88 9.6%

Sagamu

$97 20.2% 9.4% $8.3

Sport & Entertainment

Cebu

$44 4.8%

Sagamu

$13 * 2.6% 71% $31

Getting Around

Cebu

$16 1.7%

Sagamu

$5.2 * 1.1% 66.4% $10

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $24.00 in Cebu vs $49.00 in Sagamu. Groceries flip the comparison at $206 vs $153, with Sagamu cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇳🇬 Sagamu

🕒 Local time

08:48 8:48 AM

01:48 1:48 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

214,558

💱 Currency

Philippine Peso PHP ₱

Nigerian Naira NGN ₦

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

10,000 NGN = 7.52 USD

10,000 NGN = 6.69 EUR

Exchange rates and currency converter

NGN, 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).

Nigerian Naira exchange rates as of October 18, 2026: 1 USD = 1,330 NGN (10,000 NGN = 7.52 USD). 1 EUR = 1,495 NGN (10,000 NGN = 6.69 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Sagamu 13,130 km ≈ 17 h nonstop flight

From you

Cebu
Sagamu

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 Sagamu: Cost of Living - Frequently Asked Questions

Sagamu is cheaper overall, especially in groceries, clothing, and leisure. The 92% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $718 in Sagamu 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.

Supermarket bills run roughly 35% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $479 in Sagamu – a 92% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Sagamu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Sagamu is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Sagamu 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 Sagamu gentler on the wallet – expenses run 92% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.