Last update: Oct 2026

Cost of Living Comparison Between Cebu and Santa Cruz de La Palma

For one person, living is cheaper in Cebu: $915 a month against $1,622 in Santa Cruz de La Palma, rent and utilities included – about $8,500 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
79

Cost of Living Index in Santa Cruz de La Palma
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Santa Cruz de La Palma Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Santa Cruz de La Palma

🇪🇸 Spain

$1,622

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Santa Cruz de La Palma

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 Santa Cruz de La Palma actually costs, broken down by who's living it.

Monthly costs for one person with rent: $915 in Cebu versus $1,622 in Santa Cruz de La Palma.

Cebu $915
Santa Cruz de La Palma $1,622

Estimated couple costs with rent: $1,418 in Cebu versus $2,411 in Santa Cruz de La Palma.

Cebu $1,418
Santa Cruz de La Palma $2,411

Monthly costs for a family of three with rent: $1,921 in Cebu versus $3,200 in Santa Cruz de La Palma.

Cebu $1,921
Santa Cruz de La Palma $3,200

Living in Cebu costs roughly 44% less than in Santa Cruz de La Palma, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 33% below, Santa Cruz de La Palma is 20% above.

Meal at Budget Restaurant

$3.05 ₱192

$16.58 €14.75

-81.60%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$56.2 €49.96

-57.27%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$10.99 €9.78

-63.69%

Cappuccino

$2.50 ₱157

$2.32 €2.07

7.76%

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

$1.54 ₱97.1

$2.59 €2.31

-40.54%

Water (0.33 liter bottle)

$0.50 ₱31.37

$1.78 €1.58

-71.91%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.33 €2.96

-46.55%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$3.85 €3.42

-43.64%

Milk (1 liter)

$2.00 ₱126

$1.16 €1.03

72.41%

White Bread (500g)

$1.37 ₱86.2

$1.49 €1.33

-8.05%

Rice (white) (1kg)

$1.03 ₱64.9

$1.55 €1.37

-33.55%

Eggs

$2.03 ₱128

$3.50 €3.12

-42.00%

Local Cheese (1kg)

$10.20 ₱642

$11.61 €10.33

-12.14%

Chicken Fillets (1kg)

$4.45 ₱280

$7.91 €7.04

-43.74%

Beef Round Steak (1kg)

$7.67 ₱483

$17.25 €15.34

-55.54%

Apples (1kg)

$3.31 ₱208

$2.75 €2.44

20.36%

Banana (1kg)

$1.46 ₱91.8

$2.11 €1.88

-30.81%

Oranges (1kg)

$2.32 ₱146

$2.25 €2.00

3.11%

Tomato (1kg)

$1.49 ₱94.0

$2.41 €2.14

-38.17%

Potato (1kg)

$2.34 ₱147

$1.89 €1.68

23.81%

Onion (1kg)

$1.94 ₱122

$2.15 €1.91

-9.77%

Lettuce (1 head)

$1.16 ₱73.0

$1.42 €1.26

-18.31%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.70 €0.63

-2.86%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$5.75 €5.12

-48.00%

Wine (Bottle)

$6.24 ₱393

$6.05 €5.38

3.14%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.11 €0.99

10.81%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.34 €2.08

-26.07%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$1.66 €1.47

-86.14%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$33.48 €29.78

-63.14%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$3.99 €3.55

-80.20%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$1.25 €1.12

-82.40%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$23.77 €21.15

-80.90%

Gasoline (1 liter)

$1.32 ₱82.9

$1.75 €1.56

-24.57%

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

$21.0K ₱1.3M

$36.8K €32.8K

-42.99%

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

$19.4K ₱1.2M

$27.1K €24.1K

-28.48%

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

$119 ₱7,464

$139 €124

-14.79%

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

$14.22 ₱896

$18.28 €16.26

-22.21%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$27.14 €24.14

1.22%

Gym Membership (Monthly)

$32.31 ₱2,034

$47.66 €42.39

-32.21%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$15.19 €13.51

-57.21%

Cinema Ticket

$5.40 ₱340

$8.93 €7.94

-39.53%

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

$276 ₱17.4K

$408 €363

-32.33%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$8,540 €7,596

-7.89%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$88.1 €78.4

-43.97%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$41.25 €36.69

-40.41%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$84.9 €75.5

-9.73%

Men's Leather Business Shoes

$58.9 ₱3,706

$110 €97.7

-46.43%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$904 €804

-44.30%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$674 €600

-54.82%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$1,343 €1,195

-19.99%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$1,027 €914

-38.46%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$3,343 €2,974

-14.16%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$2,209 €1,965

-15.03%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$1,360 €1,210

-75.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.3

118.18%

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

Last update for Cebu: October 19, 2026

Last update for Santa Cruz de La Palma: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Santa Cruz de La Palma

$674 41.6% 121% $370

Groceries & Markets

Cebu

$210 22.9%

Santa Cruz de La Palma

$267 16.4% 27.2% $57

Monthly Utilities & Internet

Cebu

$160 17.5%

Santa Cruz de La Palma

$185 11.4% 15.2% $24

Clothing & Footwear

Cebu

$94 10.3%

Santa Cruz de La Palma

$146 9% 54.8% $52

Eating Out

Cebu

$88 9.6%

Santa Cruz de La Palma

$235 14.5% 168% $148

Sport & Entertainment

Cebu

$43 4.7%

Santa Cruz de La Palma

$66 4% 52% $22

Getting Around

Cebu

$15 1.7%

Santa Cruz de La Palma

$50 3.1% 233% $35

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $904 in Santa Cruz de La Palma. Housing cost is often the main lever when comparing two cities.

Santa Cruz de La Palma pays 305% 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 $56.0 in Santa Cruz de La Palma for a mid-range dinner for two. Groceries echo the gap at $210 vs $267 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇪🇸 Santa Cruz de La Palma

🕒 Local time

06:54 6:54 AM

23:54 11:54 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

15,441

💱 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 20, 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 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Santa Cruz de La Palma 14,040 km ≈ 18 h nonstop flight

From you

Cebu
Santa Cruz de La Palma

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 Santa Cruz de La Palma: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 77% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 305% lower in Santa Cruz de La Palma. 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: $503 in Cebu versus $904 in Santa Cruz de La Palma. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $915 per month in Cebu versus $1,622 in Santa Cruz de La Palma – a 77% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 171% less than in Santa Cruz de La Palma. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,622 in Santa Cruz de La Palma, a $1,500 budget is realistic in Cebu but tight or insufficient in Santa Cruz de La Palma. 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 Santa Cruz de La Palma, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Santa Cruz de La Palma 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 77% less than in Santa Cruz de La Palma. Beyond cost, consider language, visa policies, and how big the international community is in each city.