Last update: Oct 2026

Cost of Living Comparison Between Cebu and Sumgayit

For one person, living is cheaper in Sumgayit: $791 a month against $918 in Cebu, rent and utilities included – about $1,500 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 Sumgayit
Learn more

Sumgayit Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Sumgayit

🇦🇿 Azerbaijan

$791

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Sumgayit

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

Monthly costs for one person with rent: $918 in Cebu versus $791 in Sumgayit.

Cebu $918
Sumgayit $791

Estimated couple costs with rent: $1,409 in Cebu versus $1,233 in Sumgayit.

Cebu $1,409
Sumgayit $1,233

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,676 in Sumgayit.

Cebu $1,900
Sumgayit $1,676

Living in Cebu is roughly 16% more expensive than in Sumgayit, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 32% lower, Sumgayit 41% lower.

Meal at Budget Restaurant

$3.09 ₱194

$8.41 ₼14.29

-63.26%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$29.88 ₼50.8

-18.94%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$5.95 ₼10.12

-34.12%

Cappuccino

$2.51 ₱158

$2.62 ₼4.46

-4.20%

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

$1.59 ₱100

$0.85 ₼1.45

87.06%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.58 ₼0.98

-8.62%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.20 ₼2.03

48.33%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.28 ₼3.88

-4.82%

Milk (1 liter)

$1.92 ₱121

$1.34 ₼2.29

43.28%

White Bread (500g)

$1.36 ₱85.4

$0.35 ₼0.60

288.57%

Rice (white) (1kg)

$1.01 ₱63.5

$2.37 ₼4.02

-57.38%

Eggs

$2.03 ₱128

$1.14 ₼1.93

78.07%

Local Cheese (1kg)

$9.86 ₱621

$2.91 ₼4.95

238.83%

Chicken Fillets (1kg)

$4.39 ₱277

$4.65 ₼7.91

-5.59%

Beef Round Steak (1kg)

$7.60 ₱479

$8.93 ₼15.18

-14.89%

Apples (1kg)

$3.30 ₱208

$0.66 ₼1.13

400.00%

Banana (1kg)

$1.39 ₱87.8

$1.60 ₼2.72

-13.13%

Oranges (1kg)

$2.33 ₱147

$1.41 ₼2.40

65.25%

Tomato (1kg)

$1.50 ₱94.3

$1.04 ₼1.77

44.23%

Potato (1kg)

$2.36 ₱149

$0.65 ₼1.10

263.08%

Onion (1kg)

$1.90 ₱119

$0.49 ₼0.83

287.76%

Lettuce (1 head)

$1.19 ₱74.9

$0.46 ₼0.79

158.70%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.55 ₼0.93

14.55%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.52 ₼5.98

-14.77%

Wine (Bottle)

$6.03 ₱379

$5.14 ₼8.73

17.32%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.86 ₼1.46

43.02%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.96 ₼3.33

-10.71%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.28 ₼0.47

-10.71%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$26.54 ₼45.10

-52.37%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$0.28 ₼0.47

175.00%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.28 ₼0.47

-17.86%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$4.77 ₼8.10

-6.50%

Gasoline (1 liter)

$1.31 ₱82.8

$0.65 ₼1.11

101.54%

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

$21.2K ₱1.3M

$26.8K ₼45.6K

-20.77%

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

$19.1K ₱1.2M

$26.0K ₼44.2K

-26.39%

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

$120 ₱7,569

$33.20 ₼56.4

262.14%

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

$14.00 ₱882

$12.70 ₼21.58

10.24%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$14.76 ₼25.08

86.59%

Gym Membership (Monthly)

$32.33 ₱2,035

$27.95 ₼47.50

15.67%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$20.37 ₼34.61

-67.35%

Cinema Ticket

$5.65 ₱356

$7.50 ₼12.75

-24.67%

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

$275 ₱17.3K

$278 ₼473

-1.06%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$16.6K ₼28.2K

-52.27%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$88.7 ₼151

-44.39%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$58.0 ₼98.6

-56.48%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$125 ₼213

-38.60%

Men's Leather Business Shoes

$57.2 ₱3,601

$118 ₼200

-51.50%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$289 ₼491

72.96%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$206 ₼350

49.86%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$619 ₼1,052

74.16%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$294 ₼500

109.05%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,194 ₼2,029

141.72%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$760 ₼1,292

152.16%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$357 ₼607

-3.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.86%

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

Last update for Cebu: October 12, 2026

Last update for Sumgayit: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Sumgayit

$206 26.1% 33.3% $103

Groceries & Markets

Cebu

$206 22.4%

Sumgayit

$143 18.1% 30.3% $62

Monthly Utilities & Internet

Cebu

$162 17.6%

Sumgayit

$61 7.7% 62.5% $101

Clothing & Footwear

Cebu

$94 10.2%

Sumgayit

$175 22.2% 86.8% $82

Eating Out

Cebu

$88 9.6%

Sumgayit

$133 16.8% 50.5% $45

Sport & Entertainment

Cebu

$44 4.8%

Sumgayit

$43 5.4% 1.5% $0.7

Getting Around

Cebu

$16 1.7%

Sumgayit

$29 3.7% 88.2% $14

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $289 in Sumgayit. Housing cost is often the main lever when comparing two cities.

Sumgayit pays 3% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $24.00 in Cebu vs $30.00 in Sumgayit. Groceries flip the comparison at $206 vs $143, with Sumgayit cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇦🇿 Sumgayit

🕒 Local time

01:30 1:30 AM

21:30 9:30 PM

4 h behind Cebu

🌤 Weather

👥 Population

964,169

331,000

💱 Currency

Philippine Peso PHP ₱

Azerbaijani Manat AZN ₼

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 AZN = 0.588 USD

1 AZN = 0.523 EUR

Exchange rates and currency converter

AZN, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Azerbaijani Manat exchange rates as of October 17, 2026: 1 USD = 1.7 AZN (1 AZN = 0.588 USD). 1 EUR = 1.91 AZN (1 AZN = 0.523 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Sumgayit 7,940 km ≈ 10 h nonstop flight

From you

Cebu
Sumgayit

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 Sumgayit: Cost of Living - Frequently Asked Questions

Sumgayit is cheaper overall, especially in groceries, leisure, and utilities. The 16% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 3% lower in Sumgayit. 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: $500 in Cebu versus $289 in Sumgayit. 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 $791 in Sumgayit – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Sumgayit runs roughly 110% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Sumgayit gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Sumgayit 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 Sumgayit 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 Sumgayit gentler on the wallet – expenses run 16% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.