Last update: Oct 2026

Cost of Living Comparison Between Cebu and Settat

For one person, living is cheaper in Settat: $647 a month against $918 in Cebu, rent and utilities included – about $3,300 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
31

Cost of Living Index in Settat
Learn more

Settat Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Settat

🇲🇦 Morocco

$647

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Settat

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

Monthly costs for one person with rent: $918 in Cebu versus $647 in Settat.

Cebu $918
Settat $647

Estimated couple costs with rent: $1,409 in Cebu versus $1,028 in Settat.

Cebu $1,409
Settat $1,028

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,410 in Settat.

Cebu $1,900
Settat $1,410

Living in Cebu is roughly 42% more expensive than in Settat, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Settat 52% lower.

Meal at Budget Restaurant

$3.09 ₱194

$3.09 MAD 30.09

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$30.63 MAD 299

-20.93%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$6.11 MAD 59.6

-35.84%

Cappuccino

$2.51 ₱158

$1.11 MAD 10.84

126.13%

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

$1.59 ₱100

$0.44 MAD 4.26

261.36%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.32 MAD 3.07

65.63%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.16 MAD 11.35

53.45%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.48 MAD 14.43

46.62%

Milk (1 liter)

$1.92 ₱121

$0.84 MAD 8.18

128.57%

White Bread (500g)

$1.36 ₱85.4

$0.78 MAD 7.60

74.36%

Rice (white) (1kg)

$1.01 ₱63.5

$1.51 MAD 14.74

-33.11%

Eggs

$2.03 ₱128

$1.86 MAD 18.17

9.14%

Local Cheese (1kg)

$9.86 ₱621

$7.85 MAD 76.5

25.61%

Chicken Fillets (1kg)

$4.39 ₱277

$5.30 MAD 51.7

-17.17%

Beef Round Steak (1kg)

$7.60 ₱479

$11.00 MAD 107

-30.91%

Apples (1kg)

$3.30 ₱208

$1.59 MAD 15.46

107.55%

Banana (1kg)

$1.39 ₱87.8

$1.34 MAD 13.02

3.73%

Oranges (1kg)

$2.33 ₱147

$0.90 MAD 8.82

158.89%

Tomato (1kg)

$1.50 ₱94.3

$0.77 MAD 7.49

94.81%

Potato (1kg)

$2.36 ₱149

$0.66 MAD 6.43

257.58%

Onion (1kg)

$1.90 ₱119

$0.79 MAD 7.68

140.51%

Lettuce (1 head)

$1.19 ₱74.9

$0.24 MAD 2.34

395.83%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.51 MAD 5.00

23.53%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.08 MAD 39.78

-26.47%

Wine (Bottle)

$6.03 ₱379

$7.58 MAD 73.9

-20.45%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$2.19 MAD 21.38

-43.84%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$3.25 MAD 31.71

-46.15%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.50 MAD 4.91

-50.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$20.93 MAD 204

-39.61%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.73 MAD 7.08

5.48%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.61 MAD 5.96

-62.30%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$6.86 MAD 66.9

-34.99%

Gasoline (1 liter)

$1.31 ₱82.8

$1.44 MAD 14.02

-9.03%

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

$21.2K ₱1.3M

$33.6K MAD 327.6K

-36.78%

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

$19.1K ₱1.2M

$28.9K MAD 281.3K

-33.65%

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

$120 ₱7,569

$20.18 MAD 197

495.79%

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

$14.00 ₱882

$5.04 MAD 49.17

177.78%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$36.13 MAD 352

-23.78%

Gym Membership (Monthly)

$32.33 ₱2,035

$18.49 MAD 180

74.85%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$20.83 MAD 203

-68.07%

Cinema Ticket

$5.65 ₱356

$6.11 MAD 59.5

-7.53%

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

$275 ₱17.3K

$95.5 MAD 931

188.25%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$8,175 MAD 79.7K

-3.14%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$30.99 MAD 302

59.18%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$44.10 MAD 430

-42.77%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$81.3 MAD 793

-5.37%

Men's Leather Business Shoes

$57.2 ₱3,601

$80.1 MAD 781

-28.59%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$270 MAD 2,631

85.10%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$174 MAD 1,694

77.75%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$456 MAD 4,450

136.14%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$274 MAD 2,676

124.13%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,214 MAD 11.8K

137.78%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$851 MAD 8,299

125.16%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$204 MAD 1,990

69.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.5

105.71%

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

Last update for Cebu: October 12, 2026

Last update for Settat: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Settat

$174 26.9% 43.7% $135

Groceries & Markets

Cebu

$206 22.4%

Settat

$179 27.8% 12.8% $26

Monthly Utilities & Internet

Cebu

$162 17.6%

Settat

$61 9.5% 62.1% $100

Clothing & Footwear

Cebu

$94 10.2%

Settat

$106 16.5% 13.3% $13

Eating Out

Cebu

$88 9.6%

Settat

$68 10.5% 22.8% $20

Sport & Entertainment

Cebu

$44 4.8%

Settat

$31 4.8% 29.6% $13

Getting Around

Cebu

$16 1.7%

Settat

$27 4.1% 71.7% $11

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $270 in Settat. Housing cost is often the main lever when comparing two cities.

Cebu pays 70% 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 $31.00 in Settat. Groceries flip the comparison at $206 vs $179, with Settat cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇲🇦 Settat

🕒 Local time

13:33 1:33 PM

06:33 6:33 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

142,250

💱 Currency

Philippine Peso PHP ₱

Moroccan Dirham MAD د.م.

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 MAD = 10.26 USD

100 MAD = 9.12 EUR

Exchange rates and currency converter

MAD, USD, EUR 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).

Moroccan Dirham exchange rates as of October 19, 2026: 1 USD = 9.75 MAD (1 MAD = 0.103 USD). 1 EUR = 10.96 MAD (100 MAD = 9.12 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Settat 12,980 km ≈ 17 h nonstop flight

From you

Cebu
Settat

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 Settat: Cost of Living - Frequently Asked Questions

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

Average pay runs 70% 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: $500 in Cebu versus $270 in Settat. 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 $647 in Settat – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Settat runs roughly 66% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Settat gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Settat 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 Settat 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 Settat gentler on the wallet – expenses run 42% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.