Last update: Oct 2026

Cost of Living Comparison Between Cebu and St Francis Bay

For one person, living is cheaper in Cebu: $918 a month against $1,022 in St Francis Bay, rent and utilities included – about $1,200 less a year. The total is higher in St Francis Bay despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
50

Cost of Living Index in St Francis Bay
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St Francis Bay Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

St Francis Bay

🇿🇦 South Africa

$1,022

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in St Francis Bay

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

Monthly costs for one person with rent: $918 in Cebu versus $1,022 in St Francis Bay.

Cebu $918
St Francis Bay $1,022

Estimated couple costs with rent: $1,409 in Cebu versus $1,650 in St Francis Bay.

Cebu $1,409
St Francis Bay $1,650

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,278 in St Francis Bay.

Cebu $1,900
St Francis Bay $2,278

Living in Cebu costs roughly 10% less than in St Francis Bay, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, St Francis Bay 24% lower.

Meal at Budget Restaurant

$3.09 ₱194

$10.85 R 179

-71.52%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$42.05 R 693

-42.40%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$3.65 R 60.2

7.40%

Cappuccino

$2.51 ₱158

$2.14 R 35.18

17.29%

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

$1.59 ₱100

$1.02 R 16.76

55.88%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.73 R 11.98

-27.40%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.13 R 35.13

-16.43%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.84 R 30.36

17.93%

Milk (1 liter)

$1.92 ₱121

$0.86 R 14.25

123.26%

White Bread (500g)

$1.36 ₱85.4

$1.01 R 16.58

34.65%

Rice (white) (1kg)

$1.01 ₱63.5

$1.43 R 23.56

-29.37%

Eggs

$2.03 ₱128

$2.66 R 43.89

-23.68%

Local Cheese (1kg)

$9.86 ₱621

$7.39 R 122

33.42%

Chicken Fillets (1kg)

$4.39 ₱277

$5.33 R 87.9

-17.64%

Beef Round Steak (1kg)

$7.60 ₱479

$8.26 R 136

-7.99%

Apples (1kg)

$3.30 ₱208

$2.08 R 34.25

58.65%

Banana (1kg)

$1.39 ₱87.8

$1.46 R 24.04

-4.79%

Oranges (1kg)

$2.33 ₱147

$1.67 R 27.59

39.52%

Tomato (1kg)

$1.50 ₱94.3

$1.79 R 29.48

-16.20%

Potato (1kg)

$2.36 ₱149

$1.65 R 27.26

43.03%

Onion (1kg)

$1.90 ₱119

$1.38 R 22.70

37.68%

Lettuce (1 head)

$1.19 ₱74.9

$1.22 R 20.15

-2.46%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.98 R 16.17

-35.71%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.18 R 52.4

-5.66%

Wine (Bottle)

$6.03 ₱379

$4.80 R 79.1

25.63%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.26 R 20.73

-2.38%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.73 R 28.44

1.16%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.48 R 24.34

-83.11%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.57 R 9.45

35.09%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.49 R 8.13

-53.06%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$8.19 R 135

-45.54%

Gasoline (1 liter)

$1.31 ₱82.8

$1.36 R 22.46

-3.68%

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

$21.2K ₱1.3M

$20.3K R 334.8K

4.55%

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

$19.1K ₱1.2M

$33.7K R 554.7K

-43.13%

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

$120 ₱7,569

$60.0 R 988

100.45%

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

$14.00 ₱882

$34.08 R 562

-58.92%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$41.40 R 682

-33.48%

Gym Membership (Monthly)

$32.33 ₱2,035

$31.46 R 518

2.77%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$10.79 R 178

-38.37%

Cinema Ticket

$5.65 ₱356

$9.04 R 149

-37.50%

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

$275 ₱17.3K

$180 R 2,961

53.19%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$6,149 R 101.3K

28.76%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$71.5 R 1,178

-31.01%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$37.62 R 620

-32.91%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$110 R 1,812

-30.04%

Men's Leather Business Shoes

$57.2 ₱3,601

$97.9 R 1,613

-41.56%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$398 R 6,561

25.43%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$353 R 5,823

-12.62%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$716 R 11.8K

50.50%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$715 R 11.8K

-13.91%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$870 R 14.3K

231.64%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$665 R 11.0K

188.21%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

11.94

-39.70%

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

Last update for Cebu: October 12, 2026

Last update for St Francis Bay: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

St Francis Bay

$353 34.6% 14.4% $45

Groceries & Markets

Cebu

$206 22.4%

St Francis Bay

$187 18.3% 9% $19

Monthly Utilities & Internet

Cebu

$162 17.6%

St Francis Bay

$135 13.3% 16.3% $26

Clothing & Footwear

Cebu

$94 10.2%

St Francis Bay

$143 14% 51.9% $49

Eating Out

Cebu

$88 9.6%

St Francis Bay

$145 14.2% 63.9% $56

Sport & Entertainment

Cebu

$44 4.8%

St Francis Bay

$50 4.9% 13.6% $5.9

Getting Around

Cebu

$16 1.7%

St Francis Bay

$9 * 0.9% 42.5% $6.6

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 $398 in St Francis Bay. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $42.00 in St Francis Bay. Groceries flip the comparison at $206 vs $187, with St Francis Bay cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇿🇦 St Francis Bay

🕒 Local time

19:48 7:48 PM

13:48 1:48 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

5,910

💱 Currency

Philippine Peso PHP ₱

South African Rand ZAR R

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 ZAR = 6.07 USD

100 ZAR = 5.4 EUR

Exchange rates and currency converter

ZAR, USD, EUR 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).

South African Rand exchange rates as of October 18, 2026: 1 USD = 16.48 ZAR (100 ZAR = 6.07 USD). 1 EUR = 18.52 ZAR (100 ZAR = 5.4 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu St Francis Bay 11,480 km ≈ 15 h nonstop flight

From you

Cebu
St Francis Bay

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 Francis Bay: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 11% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $1,533 in St Francis Bay 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 $398 in St Francis Bay. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in St Francis Bay pay roughly 10% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $918 per month in Cebu versus $1,022 in St Francis Bay – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,022 in St Francis Bay, a $1,500 budget is realistic in Cebu but tight or insufficient in St Francis Bay. 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 Francis Bay, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and St Francis Bay 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 11% less than in St Francis Bay. Beyond cost, consider language, visa policies, and how big the international community is in each city.