Last update: Oct 2026

Cost of Living Comparison Between Cebu and Santarem

For one person, living is cheaper in Cebu: $918 a month against $1,300 in Santarem, rent and utilities included – about $4,600 less a year. Other living expenses account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
63

Cost of Living Index in Santarem
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Santarem Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Santarem

🇵🇹 Portugal

$1,300

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Santarem

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

Monthly costs for one person with rent: $918 in Cebu versus $1,300 in Santarem.

Cebu $918
Santarem $1,300

Estimated couple costs with rent: $1,409 in Cebu versus $2,014 in Santarem.

Cebu $1,409
Santarem $2,014

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,729 in Santarem.

Cebu $1,900
Santarem $2,729

Living in Cebu costs roughly 29% less than in Santarem, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Santarem 4% lower.

Meal at Budget Restaurant

$3.09 ₱194

$12.30 €10.94

-74.88%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$39.39 €35.04

-38.51%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.99 €8.00

-56.40%

Cappuccino

$2.51 ₱158

$1.71 €1.52

46.78%

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

$1.59 ₱100

$1.78 €1.59

-10.67%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.15 €1.03

-53.91%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.17 €1.93

-17.97%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.39 €3.02

-35.99%

Milk (1 liter)

$1.92 ₱121

$1.14 €1.01

68.42%

White Bread (500g)

$1.36 ₱85.4

$0.46 €0.41

195.65%

Rice (white) (1kg)

$1.01 ₱63.5

$1.09 €0.97

-7.34%

Eggs

$2.03 ₱128

$3.27 €2.91

-37.92%

Local Cheese (1kg)

$9.86 ₱621

$11.05 €9.83

-10.77%

Chicken Fillets (1kg)

$4.39 ₱277

$7.14 €6.35

-38.52%

Beef Round Steak (1kg)

$7.60 ₱479

$13.42 €11.93

-43.37%

Apples (1kg)

$3.30 ₱208

$2.81 €2.50

17.44%

Banana (1kg)

$1.39 ₱87.8

$1.36 €1.21

2.21%

Oranges (1kg)

$2.33 ₱147

$2.50 €2.23

-6.80%

Tomato (1kg)

$1.50 ₱94.3

$2.12 €1.88

-29.25%

Potato (1kg)

$2.36 ₱149

$1.40 €1.25

68.57%

Onion (1kg)

$1.90 ₱119

$1.55 €1.38

22.58%

Lettuce (1 head)

$1.19 ₱74.9

$1.10 €0.97

8.18%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.31 €0.28

103.23%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.62 €5.00

-46.62%

Wine (Bottle)

$6.03 ₱379

$5.78 €5.14

4.33%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.22 €1.09

0.82%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.57 €3.17

-50.98%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.25 €2.00

-88.89%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$56.4 €50.2

-77.59%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$3.53 €3.14

-78.19%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.31 ₱82.8

$2.04 €1.82

-35.78%

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

$21.2K ₱1.3M

$33.8K €30.1K

-37.14%

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

$19.1K ₱1.2M

$38.4K €34.1K

-50.10%

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

$120 ₱7,569

$130 €116

-7.55%

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

$14.00 ₱882

$20.74 €18.45

-32.50%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$56.0 €49.81

-50.82%

Gym Membership (Monthly)

$32.33 ₱2,035

$37.97 €33.78

-14.85%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$6.65 €5.91

-15.04%

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

$275 ₱17.3K

$416 €370

-33.81%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$18.4K €16.4K

-57.04%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$78.0 €69.3

-36.72%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$37.74 €33.57

-33.12%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$107 €95.6

-28.40%

Men's Leather Business Shoes

$57.2 ₱3,601

$132 €117

-56.65%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$656 €584

-23.87%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$412 €366

-25.03%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,042 €927

3.39%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$810 €720

-24.03%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,167 €1,927

33.20%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,103 €981

73.77%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,068 €950

-67.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.76

51.26%

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

Last update for Cebu: October 12, 2026

Last update for Santarem: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Santarem

$412 31.7% 33.4% $103

Groceries & Markets

Cebu

$206 22.4%

Santarem

$226 17.4% 9.6% $20

Monthly Utilities & Internet

Cebu

$162 17.6%

Santarem

$207 15.9% 27.8% $45

Clothing & Footwear

Cebu

$94 10.2%

Santarem

$160 12.3% 70.1% $66

Eating Out

Cebu

$88 9.6%

Santarem

$175 13.5% 98.6% $87

Sport & Entertainment

Cebu

$44 4.8%

Santarem

$51 4% 17.5% $7.7

Getting Around

Cebu

$16 1.7%

Santarem

$69 * 5.3% 343% $53

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

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $656 in Santarem. Housing cost is often the main lever when comparing two cities.

Santarem pays 209% 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 $39.00 in Santarem for a mid-range dinner for two. Groceries echo the gap at $206 vs $226 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇹 Santarem

🕒 Local time

12:41 12:41 PM

05:41 5:41 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

58,671

💱 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 19, 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 19, 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 Santarem 12,650 km ≈ 16 h nonstop flight

From you

Cebu
Santarem

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 Santarem: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 42% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 209% lower in Santarem. 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 $656 in Santarem. 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 $1,300 in Santarem – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 346% less than in Santarem. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,300 in Santarem, a $1,500 budget is realistic in Cebu but tight or insufficient in Santarem. 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 Santarem, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Santarem 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 42% less than in Santarem. Beyond cost, consider language, visa policies, and how big the international community is in each city.