Last update: Oct 2026

Cost of Living Comparison Between Cebu and Sant Julia de Loria

For one person, living is cheaper in Sant Julia de Loria: $207 a month against $934 in Cebu, rent and utilities included – about $8,700 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Cebu
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Cebu Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Sant Julia de Loria

🇦🇩 Andorra

$207

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Sant Julia de Loria

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 Sant Julia de Loria actually costs, broken down by who's living it.

Monthly costs for one person with rent: $934 in Cebu versus $207 in Sant Julia de Loria.

Cebu $934
Sant Julia de Loria $207

Estimated couple costs with rent: $1,415 in Cebu versus $439 in Sant Julia de Loria.

Cebu $1,415
Sant Julia de Loria $439

Monthly costs for a family of three with rent: $1,896 in Cebu versus $670 in Sant Julia de Loria.

Cebu $1,896
Sant Julia de Loria $670

Living in Cebu is roughly 350% more expensive than in Sant Julia de Loria, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Sant Julia de Loria 85% lower.

Meal at Budget Restaurant

$3.03 ₱190

$13.46 €12.01

-77.49%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$51.5 €45.93

-54.37%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$12.63 €11.27

-67.62%

Cappuccino

$2.52 ₱158

$1.81 €1.61

39.23%

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

$1.54 ₱96.9

$2.44 €2.17

-36.89%

Water (0.33 liter bottle)

$0.49 ₱30.98

$2.09 €1.86

-76.56%

Local Beer (0.5 liter draught)

$1.79 ₱112

$2.41 €2.15

-25.73%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$4.06 €3.62

-44.33%

Milk (1 liter)

$1.95 ₱122

White Bread (500g)

$1.43 ₱89.7

Rice (white) (1kg)

$1.02 ₱63.8

Eggs

$2.06 ₱129

Local Cheese (1kg)

$9.81 ₱615

Chicken Fillets (1kg)

$4.61 ₱289

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$3.31 ₱207

Banana (1kg)

$1.45 ₱90.9

Oranges (1kg)

$2.36 ₱148

Tomato (1kg)

$1.54 ₱96.4

Potato (1kg)

$2.36 ₱148

Onion (1kg)

$1.99 ₱125

Lettuce (1 head)

$1.15 ₱72.1

Water (1.5 liter bottle)

$0.67 ₱42.15

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$6.35 ₱398

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

Imported Beer (0.33 liter bottle)

$1.73 ₱108

One-way Ticket (Public Transport)

$0.25 ₱15.78

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

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

$21.8K ₱1.4M

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

$19.4K ₱1.2M

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

$121 ₱7,563

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

$14.45 ₱907

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

Gym Membership (Monthly)

$32.68 ₱2,050

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱342

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

Men's Leather Business Shoes

$59.3 ₱3,717

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$5,796 €5,172

-94.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Cebu: October 5, 2026

Last update for Sant Julia de Loria: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Sant Julia de Loria

–

Groceries & Markets

Cebu

$210 22.7%

Sant Julia de Loria

–

Monthly Utilities & Internet

Cebu

$163 17.7%

Sant Julia de Loria

–

Clothing & Footwear

Cebu

$95 10.2%

Sant Julia de Loria

–

Eating Out

Cebu

$88 9.6%

Sant Julia de Loria

–

Sport & Entertainment

Cebu

$44 4.7%

Sant Julia de Loria

–

Getting Around

Cebu

$15 1.7%

Sant Julia de Loria

–

Cost Breakdown

Sant Julia de Loria pays 1599% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out at a mid-range restaurant: $23.00 in Cebu vs $51.0 in Sant Julia de Loria for two.

Good to know

🇵🇭 Cebu

🇦🇩 Sant Julia de Loria

🕒 Local time

22:12 10:12 PM

16:12 4:12 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

8,022

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 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 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Sant Julia de Loria 11,740 km ≈ 15 h nonstop flight

From you

Cebu
Sant Julia de Loria

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 Sant Julia de Loria: Cost of Living - Frequently Asked Questions

Sant Julia de Loria is cheaper overall, especially in groceries, clothing, and leisure. The 350% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1599% lower in Sant Julia de Loria. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Dining out is cheaper in Sant Julia de Loria – a meal for two runs $51.0 versus $23.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $934 per month in Cebu versus $207 in Sant Julia de Loria – a 350% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Sant Julia de Loria 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 Sant Julia de Loria 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 Sant Julia de Loria gentler on the wallet – expenses run 350% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.