Last update: Oct 2026

Cost of Living Comparison Between Cebu and Temara

For one person, living is cheaper in Temara: $746 a month against $915 in Cebu, rent and utilities included – about $2,000 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

44

Cost of Living Index in Cebu
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Cebu Living Index
36

Cost of Living Index in Temara
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Temara Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$915

/mo nomad

Temara

🇲🇦 Morocco

$746

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Temara

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

Monthly costs for one person with rent: $915 in Cebu versus $746 in Temara.

Cebu $915
Temara $746

Estimated couple costs with rent: $1,418 in Cebu versus $1,155 in Temara.

Cebu $1,418
Temara $1,155

Monthly costs for a family of three with rent: $1,921 in Cebu versus $1,563 in Temara.

Cebu $1,921
Temara $1,563

Living in Cebu is roughly 23% more expensive than in Temara, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 33% lower, Temara 45% lower.

Meal at Budget Restaurant

$3.05 ₱192

$4.19 MAD 40.85

-27.21%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$30.65 MAD 299

-21.70%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$6.02 MAD 58.7

-33.72%

Cappuccino

$2.50 ₱157

$1.97 MAD 19.20

26.90%

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

$1.54 ₱97.1

$0.53 MAD 5.17

190.57%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.34 MAD 3.30

47.06%

Local Beer (0.5 liter draught)

$1.78 ₱112

$5.27 MAD 51.4

-66.22%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$3.10 MAD 30.26

-30.00%

Milk (1 liter)

$2.00 ₱126

$0.82 MAD 7.98

143.90%

White Bread (500g)

$1.37 ₱86.2

$0.74 MAD 7.26

85.14%

Rice (white) (1kg)

$1.03 ₱64.9

$1.50 MAD 14.64

-31.33%

Eggs

$2.03 ₱128

$1.96 MAD 19.07

3.57%

Local Cheese (1kg)

$10.20 ₱642

$9.40 MAD 91.6

8.51%

Chicken Fillets (1kg)

$4.45 ₱280

$5.27 MAD 51.4

-15.56%

Beef Round Steak (1kg)

$7.67 ₱483

$11.29 MAD 110

-32.06%

Apples (1kg)

$3.31 ₱208

$1.63 MAD 15.89

103.07%

Banana (1kg)

$1.46 ₱91.8

$1.42 MAD 13.84

2.82%

Oranges (1kg)

$2.32 ₱146

$0.84 MAD 8.16

176.19%

Tomato (1kg)

$1.49 ₱94.0

$0.83 MAD 8.08

79.52%

Potato (1kg)

$2.34 ₱147

$0.68 MAD 6.59

244.12%

Onion (1kg)

$1.94 ₱122

$0.74 MAD 7.23

162.16%

Lettuce (1 head)

$1.16 ₱73.0

$0.25 MAD 2.41

364.00%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.60 MAD 5.89

13.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$4.13 MAD 40.25

-27.60%

Wine (Bottle)

$6.24 ₱393

$7.64 MAD 74.5

-18.32%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$2.23 MAD 21.70

-44.84%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.57 MAD 25.11

-32.68%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.56 MAD 5.43

-58.93%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$24.58 MAD 240

-49.80%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$0.80 MAD 7.76

-1.25%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.75 MAD 7.30

-70.67%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$4.11 MAD 40.03

10.46%

Gasoline (1 liter)

$1.32 ₱82.9

$1.56 MAD 15.21

-15.38%

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

$21.0K ₱1.3M

$30.6K MAD 298.5K

-31.38%

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

$19.4K ₱1.2M

$30.8K MAD 300.0K

-36.95%

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

$119 ₱7,464

$34.74 MAD 339

241.25%

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

$14.22 ₱896

$9.99 MAD 97.4

42.34%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$36.70 MAD 358

-25.15%

Gym Membership (Monthly)

$32.31 ₱2,034

$23.17 MAD 226

39.45%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$5.23 MAD 51.0

24.28%

Cinema Ticket

$5.40 ₱340

$6.25 MAD 60.9

-13.60%

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

$276 ₱17.4K

$112 MAD 1,094

145.94%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$8,278 MAD 80.7K

-4.97%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$31.91 MAD 311

54.72%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$44.34 MAD 432

-44.56%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$81.6 MAD 796

-6.08%

Men's Leather Business Shoes

$58.9 ₱3,706

$81.8 MAD 797

-28.03%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$259 MAD 2,529

94.11%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$194 MAD 1,887

57.37%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$406 MAD 3,955

164.93%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$302 MAD 2,941

109.56%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$1,180 MAD 11.5K

143.15%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$935 MAD 9,119

100.71%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$233 MAD 2,273

44.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.5

60.00%

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

Last update for Cebu: October 19, 2026

Last update for Temara: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Temara

$194 25.9% 36.5% $111

Groceries & Markets

Cebu

$210 22.9%

Temara

$185 24.8% 11.6% $24

Monthly Utilities & Internet

Cebu

$160 17.5%

Temara

$81 10.9% 49.2% $79

Clothing & Footwear

Cebu

$94 10.3%

Temara

$108 14.5% 14.4% $14

Eating Out

Cebu

$88 9.6%

Temara

$111 14.9% 26.8% $23

Sport & Entertainment

Cebu

$43 4.7%

Temara

$36 4.8% 17.3% $7.4

Getting Around

Cebu

$15 1.7%

Temara

$31 4.2% 107% $16

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $259 in Temara. Housing cost is often the main lever when comparing two cities.

Cebu pays 44% 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: $24.00 in Cebu vs $31.00 in Temara. Groceries flip the comparison at $210 vs $185, with Temara cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇲🇦 Temara

🕒 Local time

05:56 5:56 AM

22:56 10:56 PM

7 h behind Cebu

🌤 Weather

👥 Population

964,169

313,510

💱 Currency

Philippine Peso PHP ₱

Moroccan Dirham MAD د.م.

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 MAD = 10.26 USD

100 MAD = 9.12 EUR

Exchange rates and currency converter

MAD, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Moroccan Dirham exchange rates as of October 20, 2026: 1 USD = 9.75 MAD (1 MAD = 0.103 USD). 1 EUR = 10.96 MAD (100 MAD = 9.12 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Temara 12,870 km ≈ 17 h nonstop flight

From you

Cebu
Temara

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 Temara: Cost of Living - Frequently Asked Questions

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

Average pay runs 44% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $503 in Cebu versus $259 in Temara. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $915 per month in Cebu versus $746 in Temara – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Temara runs roughly 99% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Temara gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Temara 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 Temara 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 Temara gentler on the wallet – expenses run 23% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.