Last update: Oct 2026

Cost of Living Comparison Between Cebu and Sark

For one person, living is cheaper in Sark: $238 a month against $934 in Cebu, rent and utilities included – about $8,400 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
32

Cost of Living Index in Sark
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Sark Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Sark

🇬🇬 Guernsey

$238

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Sark

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

Monthly costs for one person with rent: $934 in Cebu versus $238 in Sark.

Cebu $934
Sark $238

Estimated couple costs with rent: $1,415 in Cebu versus $405 in Sark.

Cebu $1,415
Sark $405

Monthly costs for a family of three with rent: $1,896 in Cebu versus $573 in Sark.

Cebu $1,896
Sark $573

Living in Cebu is roughly 293% more expensive than in Sark, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 30% lower, Sark 82% lower.

Meal at Budget Restaurant

$3.03 ₱190

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

Cappuccino

$2.52 ₱158

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

$1.54 ₱96.9

Water (0.33 liter bottle)

$0.49 ₱30.98

Local Beer (0.5 liter draught)

$1.79 ₱112

Imported Beer (0.33 liter bottle)

$2.26 ₱142

Milk (1 liter)

$1.95 ₱122

$2.77 GGP 2.10

-29.60%

White Bread (500g)

$1.43 ₱89.7

Rice (white) (1kg)

$1.02 ₱63.8

Eggs

$2.06 ₱129

$6.95 GGP 5.26

-70.36%

Local Cheese (1kg)

$9.81 ₱615

Chicken Fillets (1kg)

$4.61 ₱289

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$3.31 ₱207

$5.08 GGP 3.84

-34.84%

Banana (1kg)

$1.45 ₱90.9

$4.60 GGP 3.48

-68.48%

Oranges (1kg)

$2.36 ₱148

$3.77 GGP 2.86

-37.40%

Tomato (1kg)

$1.54 ₱96.4

$5.90 GGP 4.47

-73.90%

Potato (1kg)

$2.36 ₱148

$3.02 GGP 2.29

-21.85%

Onion (1kg)

$1.99 ₱125

$3.25 GGP 2.46

-38.77%

Lettuce (1 head)

$1.15 ₱72.1

$3.53 GGP 2.67

-67.42%

Water (1.5 liter bottle)

$0.67 ₱42.15

$1.96 GGP 1.48

-65.82%

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

$2.37 GGP 1.79

-89.45%

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

$21.08 GGP 15.96

-31.45%

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

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 Sark: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Sark

- * 0% 100%

Groceries & Markets

Cebu

$210 22.7%

Sark

$206 * 87.1% 2% $4.1

Monthly Utilities & Internet

Cebu

$163 17.7%

Sark

$21 * 8.9% 87.1% $142

Clothing & Footwear

Cebu

$95 10.2%

Sark

- * 0% 100%

Eating Out

Cebu

$88 9.6%

Sark

- * 0% 100%

Sport & Entertainment

Cebu

$44 4.7%

Sark

- * 0% 100%

Getting Around

Cebu

$15 1.7%

Sark

$9.5 * 4% 38.6% $6

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

Good to know

🇵🇭 Cebu

🇬🇬 Sark

🕒 Local time

12:52 12:52 PM

05:52 5:52 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

562

💱 Currency

Philippine Peso PHP ₱

Guernsey Pound GGP £

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 GGP = 1.32 USD

1 GGP = 1.18 EUR

Exchange rates and currency converter

GGP, USD, EUR 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 = 70.35 PHP (100 PHP = 1.42 EUR).

Guernsey Pound exchange rates as of October 10, 2026: 1 USD = 0.757 GGP (1 GGP = 1.32 USD). 1 EUR = 0.849 GGP (1 GGP = 1.18 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Sark 11,580 km ≈ 15 h nonstop flight

From you

Cebu
Sark

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 Sark: Cost of Living - Frequently Asked Questions

Sark is cheaper overall, especially in groceries, clothing, and eating out. The 293% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,401 in Cebu and $357 in Sark 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 2% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $934 per month in Cebu versus $238 in Sark – a 293% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Sark gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Sark 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 Sark 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 Sark gentler on the wallet – expenses run 293% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.