Last update: Oct 2026

Cost of Living Comparison Between Cebu and Siargao

For one person, living is cheaper in Siargao: $783 a month against $934 in Cebu, rent and utilities included – about $1,800 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

45

Cost of Living Index in Cebu
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Cebu Living Index
38

Cost of Living Index in Siargao
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Siargao Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Siargao

🇵🇭 Philippines

$783

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Siargao

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

Monthly costs for one person with rent: $934 in Cebu versus $783 in Siargao.

Cebu $934
Siargao $783

Estimated couple costs with rent: $1,423 in Cebu versus $1,222 in Siargao.

Cebu $1,423
Siargao $1,222

Monthly costs for a family of three with rent: $1,913 in Cebu versus $1,660 in Siargao.

Cebu $1,913
Siargao $1,660

Living in Cebu is roughly 19% more expensive than in Siargao, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 31% lower, Siargao 42% lower.

Meal at Budget Restaurant

$3.79 ₱242

$3.66 ₱233

3.55%

Three-Course Dinner for Two, Mid-Range

$23.33 ₱1,490

$19.68 ₱1,256

18.55%

Fast Food Meal (McDonalds, etc)

$3.94 ₱252

$3.32 ₱212

18.67%

Cappuccino

$2.54 ₱162

$2.50 ₱160

1.60%

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

$1.57 ₱100

$0.83 ₱52.8

89.16%

Water (0.33 liter bottle)

$0.47 ₱29.80

$0.40 ₱25.33

17.50%

Local Beer (0.5 liter draught)

$1.77 ₱113

$1.29 ₱82.1

37.21%

Imported Beer (0.33 liter bottle)

$2.22 ₱142

$2.16 ₱138

2.78%

Milk (1 liter)

$1.90 ₱121

$1.92 ₱122

-1.04%

White Bread (500g)

$1.36 ₱87.1

$1.26 ₱80.4

7.94%

Rice (white) (1kg)

$0.94 ₱59.8

$0.93 ₱59.7

1.08%

Eggs

$1.99 ₱127

$2.05 ₱131

-2.93%

Local Cheese (1kg)

$9.70 ₱619

$8.11 ₱518

19.61%

Chicken Fillets (1kg)

$4.32 ₱276

$4.26 ₱272

1.41%

Beef Round Steak (1kg)

$7.51 ₱480

$7.51 ₱479

Apples (1kg)

$3.31 ₱211

$2.90 ₱185

14.14%

Banana (1kg)

$1.37 ₱87.4

$1.52 ₱97.4

-9.87%

Oranges (1kg)

$2.34 ₱149

$2.59 ₱165

-9.65%

Tomato (1kg)

$1.49 ₱95.3

$1.57 ₱100

-5.10%

Potato (1kg)

$2.30 ₱147

$2.19 ₱140

5.02%

Onion (1kg)

$1.87 ₱120

$2.59 ₱165

-27.80%

Lettuce (1 head)

$1.10 ₱70.3

$1.08 ₱68.8

1.85%

Water (1.5 liter bottle)

$0.63 ₱40.33

$0.72 ₱46.08

-12.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱182

$2.80 ₱179

2.14%

Wine (Bottle)

$6.08 ₱388

$6.94 ₱443

-12.39%

Local Beer (0.5 liter bottle)

$1.27 ₱81.4

$1.16 ₱73.8

9.48%

Imported Beer (0.33 liter bottle)

$1.72 ₱110

$2.03 ₱130

-15.27%

One-way Ticket (Public Transport)

$0.22 ₱13.98

$0.26 ₱16.46

-15.38%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱788

$11.37 ₱726

8.53%

Taxi Start (Normal Tariff)

$0.74 ₱47.50

$0.78 ₱49.73

-5.13%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.07

$0.24 ₱15.40

-8.33%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₱273

$2.09 ₱133

104.78%

Gasoline (1 liter)

$1.31 ₱83.6

$1.14 ₱72.7

14.91%

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

$20.8K ₱1.3M

$26.6K ₱1.7M

-22.05%

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

$19.0K ₱1.2M

$20.3K ₱1.3M

-6.16%

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

$118 ₱7,560

$112 ₱7,141

5.86%

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

$15.76 ₱1,006

$32.27 ₱2,060

-51.16%

Internet (50+ Mbps, Unlimited Data)

$28.33 ₱1,808

$27.58 ₱1,761

2.72%

Gym Membership (Monthly)

$32.94 ₱2,103

$33.95 ₱2,168

-2.97%

Tennis Court (1 Hour on Weekend)

$6.49 ₱414

$4.50 ₱288

44.22%

Cinema Ticket

$5.45 ₱348

$5.98 ₱382

-8.86%

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

$276 ₱17.6K

$151 ₱9,642

82.59%

International Primary School, 1 Child (Yearly)

$7,789 ₱497.3K

$4,239 ₱270.6K

83.75%

Jeans (Levis 501 Or Similar)

$48.18 ₱3,076

$45.52 ₱2,906

5.84%

Summer Dress (H&M, Zara, etc)

$24.47 ₱1,563

$26.51 ₱1,693

-7.70%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,806

$76.5 ₱4,881

-1.53%

Men's Leather Business Shoes

$58.0 ₱3,704

$54.2 ₱3,458

7.13%

1-bedroom Apartment, City Center (Monthly)

$477 ₱30.5K

$263 ₱16.8K

81.14%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.5K

$173 ₱11.1K

85.77%

3-bedroom Apartment, City Center (Monthly)

$963 ₱61.5K

$580 ₱37.1K

65.96%

3-bedroom Apartment, Outside City Center (Monthly)

$626 ₱39.9K

$387 ₱24.7K

61.87%

Buy Apartment in City Center (m2)

$4,551 ₱290.6K

$2,322 ₱148.3K

95.99%

Buy Apartment Outside City Center (m2)

$3,028 ₱193.3K

$1,123 ₱71.7K

169.76%

Average Monthly Net Salary (After Tax)

$333 ₱21.3K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.67

7.95%

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

Last update for Cebu: October 26, 2026

Last update for Siargao: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.5%

Siargao

$173 22.1% 46.2% $149

Groceries & Markets

Cebu

$204 21.8%

Siargao

$202 25.8% 0.8% $1.5

Monthly Utilities & Internet

Cebu

$163 17.4%

Siargao

$172 21.9% 5.7% $9.2

Eating Out

Cebu

$94 10.1%

Siargao

$85 10.8% 9.8% $9.2

Clothing & Footwear

Cebu

$93 9.9%

Siargao

$91 11.6% 1.6% $1.5

Sport & Entertainment

Cebu

$44 4.7%

Siargao

$46 5.9% 4.7% $2.1

Getting Around

Cebu

$15 1.6%

Siargao

$14 1.8% 4.5% $0.7

Cost Breakdown

A one-bedroom apartment in the center runs $477 in Cebu and $263 in Siargao. Housing cost is often the main lever when comparing two cities.

Dining out: $23 in Cebu vs $20 in Siargao for a mid-range dinner for two. Groceries echo the gap at $204 vs $202 per month, with Siargao cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇭 Siargao

🕒 Local time

14:39 2:39 PM

Same time as Cebu

🌤 Weather

👥 Population

964,169

150,000

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

On the map

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Cebu Siargao 240 km

From you

Cebu
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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 Siargao: Cost of Living - Frequently Asked Questions

Siargao is about 16% cheaper overall, especially in eating out and transport. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $1,401 in Cebu and $1,175 in Siargao 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.

Rent for a central apartment: $477 in Cebu versus $263 in Siargao. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Siargao runs roughly 8% less than in Cebu. The price difference matters if you commute daily and watch your budget.

All in, you’ll spend $934 per month in Cebu versus $783 in Siargao – Siargao is about 16% cheaper, which adds up to real savings over time.

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.