Last update: Nov 2026

Cost of Living Comparison Between Cebu and Sargodha

For one person, living is cheaper in Sargodha: $523 a month against $943 in Cebu, rent and utilities included – about $5,000 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
25

Cost of Living Index in Sargodha
Learn more

Sargodha Living Index

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Cebu

🇵🇭 Philippines

$943

/mo nomad

Sargodha

🇵🇰 Pakistan

$523

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Sargodha

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

Monthly costs for one person with rent: $943 in Cebu versus $523 in Sargodha.

Cebu $943
Sargodha $523

Estimated couple costs with rent: $1,437 in Cebu versus $825 in Sargodha.

Cebu $1,437
Sargodha $825

Monthly costs for a family of three with rent: $1,930 in Cebu versus $1,127 in Sargodha.

Cebu $1,930
Sargodha $1,127

Living in Cebu is roughly 81% more expensive than in Sargodha, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, Sargodha 61% lower.

Meal at Budget Restaurant

$3.88 ₱244

$3.68 PKR 1,017

5.43%

Three-Course Dinner for Two, Mid-Range

$23.22 ₱1,462

$23.22 PKR 6,423

Fast Food Meal (McDonalds, etc)

$3.90 ₱246

$5.32 PKR 1,471

-26.69%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.64 PKR 1,006

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.98 PKR 1,930

Cappuccino

$2.56 ₱161

$2.54 PKR 704

0.79%

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

$1.60 ₱101

$0.32 PKR 87.4

400.00%

Water (0.33 liter bottle)

$0.51 ₱32.02

$0.21 PKR 57.9

142.86%

Local Beer (0.5 liter draught)

$1.76 ₱111

Imported Beer (0.33 liter bottle)

$2.15 ₱136

Milk (1 liter)

$1.99 ₱125

$1.00 PKR 277

99.00%

White Bread (500g)

$1.37 ₱86.3

$0.78 PKR 215

75.64%

Rice (white) (1kg)

$0.95 ₱59.8

$1.29 PKR 358

-26.36%

Eggs

$2.02 ₱127

$1.22 PKR 337

65.57%

Local Cheese (1kg)

$9.63 ₱606

$6.22 PKR 1,721

54.82%

Chicken Fillets (1kg)

$4.35 ₱274

$3.19 PKR 882

36.36%

Beef Round Steak (1kg)

$7.70 ₱485

$5.55 PKR 1,534

38.74%

Apples (1kg)

$3.30 ₱207

$1.33 PKR 368

148.12%

Banana (1kg)

$1.27 ₱79.7

$0.82 PKR 226

54.88%

Oranges (1kg)

$2.34 ₱147

$1.07 PKR 295

118.69%

Tomato (1kg)

$1.51 ₱95.3

$0.53 PKR 146

184.91%

Potato (1kg)

$2.23 ₱141

$0.27 PKR 73.7

725.93%

Onion (1kg)

$1.93 ₱122

$0.36 PKR 98.9

436.11%

Lettuce (1 head)

$1.18 ₱74.4

$0.28 PKR 76.6

321.43%

Water (1.5 liter bottle)

$0.65 ₱40.92

$0.43 PKR 119

51.16%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.83 PKR 506

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.24 PKR 342

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.35 PKR 649

Cigarettes 20 Pack (Marlboro, Camel)

$2.89 ₱182

$2.32 PKR 641

24.57%

Wine (Bottle)

$6.35 ₱400

Local Beer (0.5 liter bottle)

$1.27 ₱80.0

Imported Beer (0.33 liter bottle)

$1.64 ₱103

One-way Ticket (Public Transport)

$0.23 ₱14.42

$0.20 PKR 55.1

15.00%

Public Transport Monthly Pass (Regular Price)

$12.24 ₱770

$10.02 PKR 2,772

22.16%

Taxi Start (Normal Tariff)

$0.82 ₱51.5

$1.23 PKR 340

-33.33%

Taxi (Normal Tariff) (1km)

$0.20 ₱12.56

$0.74 PKR 205

-72.97%

Taxi 1hour Waiting (Normal Tariff)

$4.32 ₱272

$1.68 PKR 464

157.14%

Gasoline (1 liter)

$1.38 ₱86.7

$1.34 PKR 370

2.99%

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

$21.2K ₱1.3M

$21.9K PKR 6.1M

-3.10%

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

$19.3K ₱1.2M

$23.2K PKR 6.4M

-16.92%

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

$124 ₱7,814

$102 PKR 28.2K

21.91%

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

$15.93 ₱1,003

$6.06 PKR 1,677

162.87%

Internet (50+ Mbps, Unlimited Data)

$28.07 ₱1,767

$17.02 PKR 4,707

64.92%

Gym Membership (Monthly)

$33.41 ₱2,103

$14.97 PKR 4,140

123.18%

Tennis Court (1 Hour on Weekend)

$6.40 ₱403

$7.87 PKR 2,178

-18.68%

Cinema Ticket

$5.85 ₱368

$4.77 PKR 1,319

22.64%

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

$271 ₱17.0K

$42.18 PKR 11.7K

541.47%

International Primary School, 1 Child (Yearly)

$8,060 ₱507.3K

$1,034 PKR 285.9K

679.66%

Jeans (Levis 501 Or Similar)

$48.31 ₱3,041

$26.16 PKR 7,235

84.67%

Summer Dress (H&M, Zara, etc)

$24.56 ₱1,546

$34.62 PKR 9,577

-29.06%

Sport Shoes (Adidas, Nike)

$77.1 ₱4,855

$97.2 PKR 26.9K

-20.65%

Men's Leather Business Shoes

$56.5 ₱3,557

$40.35 PKR 11.2K

40.05%

1-bedroom Apartment, City Center (Monthly)

$495 ₱31.2K

$135 PKR 37.5K

265.82%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.2K

$84.9 PKR 23.5K

278.95%

3-bedroom Apartment, City Center (Monthly)

$990 ₱62.3K

$267 PKR 73.8K

271.08%

3-bedroom Apartment, Outside City Center (Monthly)

$628 ₱39.5K

$181 PKR 50.0K

247.55%

Buy Apartment in City Center (m2)

$4,459 ₱280.6K

$811 PKR 224.2K

450.05%

Buy Apartment Outside City Center (m2)

$3,030 ₱190.7K

$510 PKR 141.2K

493.51%

Average Monthly Net Salary (After Tax)

$343 ₱21.6K

$177 PKR 49.1K

93.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

13.08

-44.95%

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

Last update for Cebu: November 2, 2026

Last update for Sargodha: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.1%

Sargodha

$85 16.2% 73.6% $237

Groceries & Markets

Cebu

$206 21.8%

Sargodha

$105 20.2% 48.8% $100

Monthly Utilities & Internet

Cebu

$168 17.8%

Sargodha

$125 23.9% 25.7% $43

Eating Out

Cebu

$95 10.1%

Sargodha

$78 14.9% 17.9% $17

Clothing & Footwear

Cebu

$93 9.9%

Sargodha

$89 17.1% 4% $3.7

Sport & Entertainment

Cebu

$45 4.8%

Sargodha

$25 4.7% 45.7% $21

Getting Around

Cebu

$15 1.6%

Sargodha

$16 3% 5.2% $0.8

Cost Breakdown

A one-bedroom apartment in the center runs $495 in Cebu and $135 in Sargodha. Housing cost is often the main lever when comparing two cities.

Cebu pays 93% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $23 in Cebu vs $23 in Sargodha. Groceries flip the comparison at $206 vs $105, with Sargodha cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇵🇰 Sargodha

🕒 Local time

10:16 10:16 AM

07:16 7:16 AM

3 h behind Cebu

🌤 Weather

👥 Population

964,169

507,817

💱 Currency

Philippine Peso PHP ₱

Pakistani Rupee PKR ₨

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1,000 PKR = 3.62 USD

1,000 PKR = 3.22 EUR

Exchange rates and currency converter

PKR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of November 6, 2026: 1 USD = 62.95 PHP (100 PHP = 1.59 USD). 1 EUR = 70.66 PHP (100 PHP = 1.42 EUR).

Pakistani Rupee exchange rates as of November 6, 2026: 1 USD = 277 PKR (1,000 PKR = 3.62 USD). 1 EUR = 311 PKR (1,000 PKR = 3.22 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Sargodha 5,770 km ≈ 8 h nonstop flight

From you

Cebu
Sargodha

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 Sargodha: Cost of Living - Frequently Asked Questions

Sargodha is about 45% cheaper overall, especially in groceries, utilities, and leisure. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 93% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $495 in Cebu versus $135 in Sargodha. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 95% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $943 per month in Cebu versus $523 in Sargodha – Sargodha is about 45% cheaper, which adds up to real savings over time.

At $523 in Sargodha versus $943 in Cebu, a $800 budget is realistic in Sargodha but tight or insufficient in Cebu. The gap between the two cities makes Sargodha the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Sargodha wins on affordability, Cebu on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.