Last update: Oct 2026

Cost of Living Comparison Between Cebu and St Anne

For one person, living is cheaper in Cebu: $934 a month against $1,145 in St Anne, rent and utilities included – about $2,500 less a year. The total is higher in St Anne despite lower rent and utilities.

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Cost of Living Index in Cebu
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Cebu Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

St Anne

🇬🇬 Alderney

$1,145

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in St Anne

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

Monthly costs for one person with rent: $934 in Cebu versus $1,145 in St Anne.

Cebu $934
St Anne $1,145

Estimated couple costs with rent: $1,415 in Cebu versus $2,750 in St Anne.

Cebu $1,415
St Anne $2,750

Monthly costs for a family of three with rent: $1,896 in Cebu versus $4,355 in St Anne.

Cebu $1,896
St Anne $4,355

Living in Cebu costs roughly 18% less than in St Anne, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 30% lower, St Anne 15% lower.

Meal at Budget Restaurant

$3.03 ₱190

$26.27 GGP 19.88

-88.47%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$92.7 GGP 70.1

-74.66%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

Cappuccino

$2.52 ₱158

$2.68 GGP 2.03

-5.97%

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

$1.54 ₱96.9

$2.61 GGP 1.98

-41.00%

Water (0.33 liter bottle)

$0.49 ₱30.98

$1.29 GGP 0.98

-62.02%

Local Beer (0.5 liter draught)

$1.79 ₱112

$6.80 GGP 5.15

-73.68%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$6.69 GGP 5.06

-66.22%

Milk (1 liter)

$1.95 ₱122

$1.97 GGP 1.49

-1.02%

White Bread (500g)

$1.43 ₱89.7

$2.17 GGP 1.65

-34.10%

Rice (white) (1kg)

$1.02 ₱63.8

$2.40 GGP 1.82

-57.50%

Eggs

$2.06 ₱129

$4.58 GGP 3.47

-55.02%

Local Cheese (1kg)

$9.81 ₱615

$10.78 GGP 8.16

-9.00%

Chicken Fillets (1kg)

$4.61 ₱289

$23.72 GGP 17.96

-80.56%

Beef Round Steak (1kg)

$7.70 ₱483

$33.18 GGP 25.12

-76.79%

Apples (1kg)

$3.31 ₱207

$4.69 GGP 3.55

-29.42%

Banana (1kg)

$1.45 ₱90.9

$3.40 GGP 2.57

-57.35%

Oranges (1kg)

$2.36 ₱148

$5.25 GGP 3.97

-55.05%

Tomato (1kg)

$1.54 ₱96.4

$3.20 GGP 2.42

-51.88%

Potato (1kg)

$2.36 ₱148

$1.29 GGP 0.98

82.95%

Onion (1kg)

$1.99 ₱125

$4.35 GGP 3.30

-54.25%

Lettuce (1 head)

$1.15 ₱72.1

$2.62 GGP 1.99

-56.11%

Water (1.5 liter bottle)

$0.67 ₱42.15

$1.43 GGP 1.08

-53.15%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$6.35 ₱398

$15.86 GGP 12.01

-59.96%

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

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

$3.32 GGP 2.51

-59.94%

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

$261 GGP 198

-53.88%

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

$14.45 ₱907

$27.03 GGP 20.46

-46.54%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$59.3 GGP 44.91

-52.31%

Gym Membership (Monthly)

$32.68 ₱2,050

$13.35 GGP 10.11

144.79%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$6.79 GGP 5.14

-5.89%

Cinema Ticket

$5.46 ₱342

$11.72 GGP 8.87

-53.41%

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

$1,072 GGP 812

-52.85%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$1,616 GGP 1,223

-34.91%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$1,560 GGP 1,181

-60.32%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$2,351 GGP 1,780

24.00%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$2,350 GGP 1,779

-20.56%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$2,022 GGP 1,531

-83.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.8

24.14%

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

Last update for Cebu: October 5, 2026

Last update for St Anne: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

St Anne

–

Groceries & Markets

Cebu

$210 22.7%

St Anne

–

Monthly Utilities & Internet

Cebu

$163 17.7%

St Anne

–

Clothing & Footwear

Cebu

$95 10.2%

St Anne

–

Eating Out

Cebu

$88 9.6%

St Anne

–

Sport & Entertainment

Cebu

$44 4.7%

St Anne

–

Getting Around

Cebu

$15 1.7%

St Anne

–

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $1,072 in St Anne. Housing cost is often the main lever when comparing two cities.

St Anne pays 493% 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: $23.00 in Cebu vs $93.0 in St Anne for a mid-range dinner for two. Groceries echo the gap at $210 vs $473 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇬🇬 St Anne

🕒 Local time

18:05 6:05 PM

11:05 11:05 AM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

2,000

💱 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 = 70.28 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 = 0.848 GGP (1 GGP = 1.18 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu St Anne 11,540 km ≈ 15 h nonstop flight

From you

Cebu
St Anne

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 St Anne: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and utilities. The 23% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 493% lower in St Anne. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $506 in Cebu versus $1,072 in St Anne. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 125% higher in St Anne. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cebu – a meal for two runs $23.00 versus $93.0 in St Anne. If you eat out regularly, this makes a real dent in your monthly spending.

At $934 in Cebu versus $1,145 in St Anne, a $1,500 budget is realistic in Cebu but tight or insufficient in St Anne. 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 St Anne, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and St Anne 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 23% less than in St Anne. Beyond cost, consider language, visa policies, and how big the international community is in each city.