Last update: Oct 2026

Cost of Living Comparison Between Cebu and Škofja Loka

For one person, living is cheaper in Cebu: $918 a month against $1,762 in Škofja Loka, rent and utilities included – about $10,100 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
86

Cost of Living Index in Škofja Loka
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Škofja Loka Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Škofja Loka

🇸🇮 Slovenia

$1,762

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Škofja Loka

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

Monthly costs for one person with rent: $918 in Cebu versus $1,762 in Škofja Loka.

Cebu $918
Škofja Loka $1,762

Estimated couple costs with rent: $1,409 in Cebu versus $2,595 in Škofja Loka.

Cebu $1,409
Škofja Loka $2,595

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,427 in Škofja Loka.

Cebu $1,900
Škofja Loka $3,427

Living in Cebu costs roughly 48% less than in Škofja Loka, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Škofja Loka is 31% above.

Meal at Budget Restaurant

$3.09 ₱194

$13.67 €12.16

-77.40%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$56.2 €49.96

-56.87%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.13 €8.12

-57.06%

Cappuccino

$2.51 ₱158

$2.95 €2.62

-14.92%

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

$1.59 ₱100

$3.17 €2.82

-49.84%

Water (0.33 liter bottle)

$0.53 ₱33.43

$2.26 €2.01

-76.55%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.50 €3.12

-49.14%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.39 €3.91

-50.57%

Milk (1 liter)

$1.92 ₱121

$1.26 €1.12

52.38%

White Bread (500g)

$1.36 ₱85.4

$1.92 €1.71

-29.17%

Rice (white) (1kg)

$1.01 ₱63.5

$2.89 €2.57

-65.05%

Eggs

$2.03 ₱128

$3.96 €3.52

-48.74%

Local Cheese (1kg)

$9.86 ₱621

$18.13 €16.13

-45.62%

Chicken Fillets (1kg)

$4.39 ₱277

$9.86 €8.77

-55.48%

Beef Round Steak (1kg)

$7.60 ₱479

$14.92 €13.27

-49.06%

Apples (1kg)

$3.30 ₱208

$2.29 €2.04

44.10%

Banana (1kg)

$1.39 ₱87.8

$1.75 €1.56

-20.57%

Oranges (1kg)

$2.33 ₱147

$2.34 €2.08

-0.43%

Tomato (1kg)

$1.50 ₱94.3

$3.62 €3.22

-58.56%

Potato (1kg)

$2.36 ₱149

$1.50 €1.33

57.33%

Onion (1kg)

$1.90 ₱119

$1.62 €1.44

17.28%

Lettuce (1 head)

$1.19 ₱74.9

$1.64 €1.46

-27.44%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.88 €0.79

-28.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.89 €5.24

-49.07%

Wine (Bottle)

$6.03 ₱379

$7.70 €6.85

-21.69%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.42 €1.26

-13.38%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.15 €1.92

-18.60%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.42 €1.26

-82.39%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$33.61 €29.90

-62.39%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.64 €1.46

-53.05%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.25 €1.11

-81.60%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$18.92 €16.83

-76.43%

Gasoline (1 liter)

$1.31 ₱82.8

$1.72 €1.53

-23.84%

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

$21.2K ₱1.3M

$29.5K €26.3K

-28.03%

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

$19.1K ₱1.2M

$24.8K €22.0K

-22.66%

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

$120 ₱7,569

$280 €249

-57.07%

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

$14.00 ₱882

$16.44 €14.63

-14.84%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$40.95 €36.42

-32.75%

Gym Membership (Monthly)

$32.33 ₱2,035

$51.2 €45.58

-36.90%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$7.76 €6.90

-27.19%

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

$275 ₱17.3K

$506 €450

-45.54%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$11.4K €10.1K

-30.28%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$113 €101

-56.37%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$43.02 €38.27

-41.33%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$122 €109

-37.12%

Men's Leather Business Shoes

$57.2 ₱3,601

$142 €126

-59.68%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$709 €631

-29.55%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$593 €527

-47.91%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,153 €1,026

-6.55%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$977 €869

-37.04%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,285 €2,922

-12.15%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$3,247 €2,889

-40.98%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.29

118.84%

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

Last update for Cebu: October 12, 2026

Last update for Škofja Loka: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Škofja Loka

$593 33.6% 92% $284

Groceries & Markets

Cebu

$206 22.4%

Škofja Loka

$309 17.5% 50% $103

Monthly Utilities & Internet

Cebu

$162 17.6%

Škofja Loka

$337 19.2% 109% $176

Clothing & Footwear

Cebu

$94 10.2%

Škofja Loka

$189 10.7% 101% $95

Eating Out

Cebu

$88 9.6%

Škofja Loka

$220 12.5% 149% $132

Sport & Entertainment

Cebu

$44 4.8%

Škofja Loka

$67 3.8% 53% $23

Getting Around

Cebu

$16 1.7%

Škofja Loka

$47 2.7% 203% $32

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $709 in Škofja Loka. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $56.0 in Škofja Loka for a mid-range dinner for two. Groceries echo the gap at $206 vs $309 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇸🇮 Škofja Loka

🕒 Local time

13:10 1:10 PM

07:10 7:10 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

12,100

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Škofja Loka 10,640 km ≈ 14 h nonstop flight

From you

Cebu
Škofja Loka

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 Škofja Loka: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 92% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $2,643 in Škofja Loka 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: $500 in Cebu versus $709 in Škofja Loka. 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 $1,762 in Škofja Loka – a 92% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 166% less than in Škofja Loka. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,762 in Škofja Loka, a $1,500 budget is realistic in Cebu but tight or insufficient in Škofja Loka. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Škofja Loka, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Škofja Loka 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 Cebu gentler on the wallet – expenses run 92% less than in Škofja Loka. Beyond cost, consider language, visa policies, and how big the international community is in each city.