Last update: Oct 2026

Cost of Living Comparison Between Cebu and Takoradi

For one person, living is cheaper in Takoradi: $566 a month against $918 in Cebu, rent and utilities included – about $4,200 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
28

Cost of Living Index in Takoradi
Learn more

Takoradi Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Takoradi

🇬🇭 Ghana

$566

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Takoradi

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

Monthly costs for one person with rent: $918 in Cebu versus $566 in Takoradi.

Cebu $918
Takoradi $566

Estimated couple costs with rent: $1,409 in Cebu versus $952 in Takoradi.

Cebu $1,409
Takoradi $952

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,338 in Takoradi.

Cebu $1,900
Takoradi $1,338

Living in Cebu is roughly 62% more expensive than in Takoradi, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Takoradi 58% lower.

Meal at Budget Restaurant

$3.09 ₱195

$8.11 GHS 94.3

-61.90%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$50.1 GHS 583

-51.70%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$10.48 GHS 122

-62.60%

Cappuccino

$2.51 ₱158

$4.38 GHS 50.9

-42.69%

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

$1.59 ₱100

$1.60 GHS 18.64

-0.63%

Water (0.33 liter bottle)

$0.53 ₱33.45

$0.44 GHS 5.14

20.45%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.81 GHS 21.09

-1.66%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.19 GHS 25.45

-0.91%

Milk (1 liter)

$1.92 ₱121

$1.41 GHS 16.36

36.17%

White Bread (500g)

$1.36 ₱85.5

$1.03 GHS 12.01

32.04%

Rice (white) (1kg)

$1.01 ₱63.6

$1.73 GHS 20.10

-41.62%

Eggs

$2.03 ₱128

$2.57 GHS 29.87

-21.01%

Local Cheese (1kg)

$9.86 ₱621

$11.74 GHS 137

-16.01%

Chicken Fillets (1kg)

$4.39 ₱277

$4.61 GHS 53.6

-4.77%

Beef Round Steak (1kg)

$7.60 ₱479

$2.61 GHS 30.33

191.19%

Apples (1kg)

$3.30 ₱208

$2.40 GHS 27.95

37.50%

Banana (1kg)

$1.39 ₱87.8

$0.87 GHS 10.11

59.77%

Oranges (1kg)

$2.33 ₱147

$1.05 GHS 12.21

121.90%

Tomato (1kg)

$1.50 ₱94.3

$1.73 GHS 20.13

-13.29%

Potato (1kg)

$2.36 ₱149

$2.27 GHS 26.36

3.96%

Onion (1kg)

$1.90 ₱119

$1.86 GHS 21.65

2.15%

Lettuce (1 head)

$1.19 ₱74.9

$0.74 GHS 8.56

60.81%

Water (1.5 liter bottle)

$0.63 ₱39.73

$0.24 GHS 2.78

162.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.53 GHS 29.47

18.58%

Wine (Bottle)

$6.03 ₱380

$7.19 GHS 83.6

-16.13%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.31 GHS 3.64

296.77%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.43 GHS 28.27

-27.98%

One-way Ticket (Public Transport)

$0.25 ₱15.87

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.64

$1.74 GHS 20.26

-55.75%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

$1.24 GHS 14.44

-81.45%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$4.19 GHS 48.76

6.44%

Gasoline (1 liter)

$1.31 ₱82.8

$1.35 GHS 15.76

-2.96%

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

$21.2K ₱1.3M

$7,998 GHS 93.0K

165.61%

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

$19.1K ₱1.2M

$9,720 GHS 113.0K

96.98%

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

$120 ₱7,573

$72.3 GHS 841

66.27%

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

$14.00 ₱882

$19.30 GHS 224

-27.46%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,735

$41.81 GHS 486

-34.13%

Gym Membership (Monthly)

$32.33 ₱2,036

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$12.67 GHS 147

-55.41%

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

$275 ₱17.3K

$463 GHS 5,389

-40.58%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

$18.4K GHS 214.1K

-56.98%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

$14.16 GHS 165

248.38%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

$18.49 GHS 215

36.51%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

$36.33 GHS 422

111.84%

Men's Leather Business Shoes

$57.2 ₱3,603

$51.7 GHS 601

10.68%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

26.75

-73.08%

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

Last update for Cebu: October 12, 2026

Last update for Takoradi: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Takoradi

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Takoradi

$175 30.9% 15% $31

Monthly Utilities & Internet

Cebu

$162 17.6%

Takoradi

$133 23.6% 17.5% $28

Clothing & Footwear

Cebu

$94 10.2%

Takoradi

$54 9.6% 42.2% $40

Eating Out

Cebu

$88 9.6%

Takoradi

$170 30.1% 93.1% $82

Sport & Entertainment

Cebu

$44 4.8%

Takoradi

$25 * 4.5% 41.9% $18

Getting Around

Cebu

$16 1.7%

Takoradi

$8 * 1.4% 48.9% $7.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $24.00 in Cebu vs $50.0 in Takoradi. Groceries flip the comparison at $206 vs $175, with Takoradi cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇬🇭 Takoradi

🕒 Local time

05:29 5:29 AM

21:29 9:29 PM

8 h behind Cebu

🌤 Weather

👥 Population

964,169

539,548

💱 Currency

Philippine Peso PHP ₱

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

Exchange rates and currency converter

GHS, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

Ghanaian Cedi exchange rates as of October 17, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.07 GHS (100 GHS = 7.65 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Takoradi 13,770 km ≈ 18 h nonstop flight

From you

Cebu
Takoradi

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 Takoradi: Cost of Living - Frequently Asked Questions

Takoradi is cheaper overall, especially in groceries, clothing, and leisure. The 62% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $850 in Takoradi 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.

Supermarket bills run roughly 18% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $566 in Takoradi – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Takoradi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Takoradi 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 Takoradi 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 Takoradi gentler on the wallet – expenses run 62% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.