Last update: Oct 2026

Cost of Living Comparison Between Cebu and Shivamogga

For one person, living is cheaper in Shivamogga: $341 a month against $918 in Cebu, rent and utilities included – about $6,900 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
17

Cost of Living Index in Shivamogga
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Shivamogga Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Shivamogga

🇮🇳 India

$341

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Shivamogga

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

Monthly costs for one person with rent: $918 in Cebu versus $341 in Shivamogga.

Cebu $918
Shivamogga $341

Estimated couple costs with rent: $1,409 in Cebu versus $562 in Shivamogga.

Cebu $1,409
Shivamogga $562

Monthly costs for a family of three with rent: $1,900 in Cebu versus $784 in Shivamogga.

Cebu $1,900
Shivamogga $784

Living in Cebu is roughly 170% more expensive than in Shivamogga, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Shivamogga 75% lower.

Meal at Budget Restaurant

$3.09 ₱195

$2.30 ₹218

34.35%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$13.79 ₹1,309

75.63%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$4.64 ₹440

-15.52%

Cappuccino

$2.51 ₱158

$0.97 ₹91.6

158.76%

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

$1.59 ₱100

$0.35 ₹33.48

354.29%

Water (0.33 liter bottle)

$0.53 ₱33.45

$0.19 ₹18.19

178.95%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.18 ₹112

50.85%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.65 ₹252

-18.11%

Milk (1 liter)

$1.92 ₱121

$0.51 ₹48.15

276.47%

White Bread (500g)

$1.36 ₱85.5

$0.43 ₹40.45

216.28%

Rice (white) (1kg)

$1.01 ₱63.6

$0.71 ₹67.3

42.25%

Eggs

$2.03 ₱128

$0.83 ₹79.2

144.58%

Local Cheese (1kg)

$9.86 ₱621

$3.88 ₹368

154.12%

Chicken Fillets (1kg)

$4.39 ₱277

$2.86 ₹271

53.50%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

$1.69 ₹160

95.27%

Banana (1kg)

$1.39 ₱87.8

$0.65 ₹62.2

113.85%

Oranges (1kg)

$2.33 ₱147

$0.49 ₹46.82

375.51%

Tomato (1kg)

$1.50 ₱94.3

$0.35 ₹33.40

328.57%

Potato (1kg)

$2.36 ₱149

$0.30 ₹28.22

686.67%

Onion (1kg)

$1.90 ₱119

$0.41 ₹39.14

363.41%

Lettuce (1 head)

$1.19 ₱74.9

$0.20 ₹18.97

495.00%

Water (1.5 liter bottle)

$0.63 ₱39.73

$0.30 ₹28.63

110.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.12 ₹487

-41.41%

Wine (Bottle)

$6.03 ₱380

$6.75 ₹641

-10.67%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.87 ₹82.9

41.38%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.81 ₹266

-37.72%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.90 ₹465

One-way Ticket (Public Transport)

$0.25 ₱15.87

$0.16 ₹15.53

56.25%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.64

$1.02 ₹97.3

-24.51%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

$0.33 ₹31.41

-30.30%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$1.50 ₹142

197.33%

Gasoline (1 liter)

$1.31 ₱82.8

$1.11 ₹105

18.02%

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

$21.2K ₱1.3M

$12.4K ₹1.2M

72.01%

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

$19.1K ₱1.2M

$29.2K ₹2.8M

-34.33%

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

$120 ₱7,573

$21.25 ₹2,018

465.79%

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

$14.00 ₱882

$2.57 ₹244

444.75%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,735

$7.68 ₹729

258.59%

Gym Membership (Monthly)

$32.33 ₱2,036

$7.61 ₹723

324.84%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$2.08 ₹197

219.71%

Cinema Ticket

$5.65 ₱356

$2.28 ₹216

147.81%

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

$275 ₱17.3K

$112 ₹10.6K

146.74%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

$1,721 ₹163.4K

360.16%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

$31.98 ₹3,037

54.25%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

$34.19 ₹3,246

-26.18%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

$58.1 ₹5,514

32.51%

Men's Leather Business Shoes

$57.2 ₱3,603

$27.73 ₹2,633

106.27%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$160 ₹15.1K

213.08%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$80.8 ₹7,667

282.44%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$318 ₹30.2K

238.48%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

$195 ₹18.5K

215.14%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$340 ₹32.3K

1.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

9.12

-21.05%

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

Last update for Cebu: October 12, 2026

Last update for Shivamogga: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Shivamogga

$81 23.7% 73.9% $228

Groceries & Markets

Cebu

$206 22.4%

Shivamogga

$87 25.6% 57.7% $119

Monthly Utilities & Internet

Cebu

$162 17.6%

Shivamogga

$32 9.3% 80.5% $130

Clothing & Footwear

Cebu

$94 10.2%

Shivamogga

$68 20.1% 27.2% $26

Eating Out

Cebu

$88 9.6%

Shivamogga

$57 16.8% 35.1% $31

Sport & Entertainment

Cebu

$44 4.8%

Shivamogga

$12 3.6% 72.1% $31

Getting Around

Cebu

$16 1.7%

Shivamogga

$3.3 * 1% 78.6% $12

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 $160 in Shivamogga. Housing cost is often the main lever when comparing two cities.

Cebu pays 2% 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 $14.00 in Shivamogga for a mid-range dinner for two. Groceries echo the gap at $206 vs $87.0 per month, with Shivamogga cheaper across the board.

Good to know

🇵🇭 Cebu

🇮🇳 Shivamogga

🕒 Local time

10:39 10:39 AM

08:09 8:09 AM

2 h 30 min behind Cebu

🌤 Weather

👥 Population

964,169

400,000

💱 Currency

Philippine Peso PHP ₱

Indian Rupee INR ₹

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.35 EUR

Exchange rates and currency converter

INR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.93 PHP (100 PHP = 1.41 EUR).

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.95 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.35 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Shivamogga 5,260 km ≈ 7 h nonstop flight

From you

Cebu
Shivamogga

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 Shivamogga: Cost of Living - Frequently Asked Questions

Shivamogga is cheaper overall, especially in groceries, clothing, and eating out. The 170% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2% 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 $160 in Shivamogga. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 136% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $341 in Shivamogga – a 170% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Shivamogga 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 Shivamogga 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 Shivamogga gentler on the wallet – expenses run 170% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.