Last update: Oct 2026

Cost of Living Comparison Between Cebu and Ternopil

For one person, living is cheaper in Ternopil: $690 a month against $915 in Cebu, rent and utilities included – about $2,700 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
33

Cost of Living Index in Ternopil
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Ternopil Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Ternopil

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

Monthly costs for one person with rent: $915 in Cebu versus $690 in Ternopil.

Cebu $915
Ternopil $690

Estimated couple costs with rent: $1,418 in Cebu versus $1,143 in Ternopil.

Cebu $1,418
Ternopil $1,143

Monthly costs for a family of three with rent: $1,921 in Cebu versus $1,595 in Ternopil.

Cebu $1,921
Ternopil $1,595

Living in Cebu is roughly 32% more expensive than in Ternopil, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 33% lower, Ternopil 49% lower.

Meal at Budget Restaurant

$3.05 ₱192

$3.36 ₴151

-9.23%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$20.07 ₴901

19.58%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$5.45 ₴245

-26.79%

Cappuccino

$2.50 ₱157

$1.22 ₴54.6

104.92%

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

$1.54 ₱97.1

$0.69 ₴30.83

123.19%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.51 ₴22.79

-1.96%

Local Beer (0.5 liter draught)

$1.78 ₱112

$0.90 ₴40.56

97.78%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$1.54 ₴69.1

40.91%

Milk (1 liter)

$2.00 ₱126

$1.34 ₴60.2

49.25%

White Bread (500g)

$1.37 ₱86.2

$0.72 ₴32.38

90.28%

Rice (white) (1kg)

$1.03 ₱64.9

$2.00 ₴89.8

-48.50%

Eggs

$2.03 ₱128

$1.96 ₴87.8

3.57%

Local Cheese (1kg)

$10.20 ₱642

$7.95 ₴357

28.30%

Chicken Fillets (1kg)

$4.45 ₱280

$3.99 ₴179

11.53%

Beef Round Steak (1kg)

$7.67 ₱483

$5.93 ₴266

29.34%

Apples (1kg)

$3.31 ₱208

$0.72 ₴32.20

359.72%

Banana (1kg)

$1.46 ₱91.8

$1.58 ₴70.8

-7.59%

Oranges (1kg)

$2.32 ₱146

$1.43 ₴64.2

62.24%

Tomato (1kg)

$1.49 ₱94.0

$2.73 ₴123

-45.42%

Potato (1kg)

$2.34 ₱147

$0.54 ₴24.26

333.33%

Onion (1kg)

$1.94 ₱122

$0.39 ₴17.59

397.44%

Lettuce (1 head)

$1.16 ₱73.0

$1.36 ₴61.3

-14.71%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.52 ₴23.17

30.77%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$2.69 ₴121

11.15%

Wine (Bottle)

$6.24 ₱393

$3.25 ₴146

92.00%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$0.88 ₴39.52

39.77%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$2.35 ₴106

-26.38%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.39 ₴17.61

-41.03%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$1.42 ₴63.7

-44.37%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.37 ₴16.82

-40.54%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$4.08 ₴183

11.27%

Gasoline (1 liter)

$1.32 ₱82.9

$1.57 ₴70.7

-15.92%

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

$21.0K ₱1.3M

$31.5K ₴1.4M

-33.34%

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

$19.4K ₱1.2M

$25.1K ₴1.1M

-22.78%

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

$119 ₱7,464

$55.4 ₴2,488

113.87%

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

$14.22 ₱896

$4.74 ₴213

200.00%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$4.92 ₴221

458.33%

Gym Membership (Monthly)

$32.31 ₱2,034

$20.69 ₴929

56.16%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$13.84 ₴621

-53.03%

Cinema Ticket

$5.40 ₱340

$3.59 ₴161

50.42%

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

$276 ₱17.4K

$245 ₴11.0K

12.76%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$49.54 ₴2,224

-0.34%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$46.86 ₴2,103

-47.55%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$98.6 ₴4,425

-22.26%

Men's Leather Business Shoes

$58.9 ₱3,706

$90.1 ₴4,043

-34.65%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$297 ₴13.3K

69.66%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$234 ₴10.5K

30.10%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$564 ₴25.3K

90.53%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$551 ₴24.7K

14.66%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$994 ₴44.6K

188.58%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$504 ₴22.6K

272.17%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$487 ₴21.9K

-31.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-67.27%

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

Last update for Cebu: October 19, 2026

Last update for Ternopil: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Ternopil

$234 33.9% 23.1% $70

Groceries & Markets

Cebu

$210 22.9%

Ternopil

$160 23.2% 23.6% $49

Monthly Utilities & Internet

Cebu

$160 17.5%

Ternopil

$65 9.4% 59.4% $95

Clothing & Footwear

Cebu

$94 10.3%

Ternopil

$128 18.6% 36.1% $34

Eating Out

Cebu

$88 9.6%

Ternopil

$70 10.2% 20% $18

Sport & Entertainment

Cebu

$43 4.7%

Ternopil

$28 4% 35.3% $15

Getting Around

Cebu

$15 1.7%

Ternopil

$4.9 * 0.7% 67.9% $10

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 $503 in Cebu and $297 in Ternopil. Housing cost is often the main lever when comparing two cities.

Ternopil pays 45% 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 $20.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $210 vs $160 per month, with Ternopil cheaper across the board.

Good to know

🇵🇭 Cebu

🇺🇦 Ternopil

🕒 Local time

03:49 3:49 AM

22:49 10:49 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

218,134

💱 Currency

Philippine Peso PHP ₱

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

UAH, 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).

Ukrainian Hryvnia exchange rates as of October 20, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.46 UAH (100 UAH = 1.98 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Ternopil 9,730 km ≈ 13 h nonstop flight

From you

Cebu
Ternopil

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 Ternopil: Cost of Living - Frequently Asked Questions

Ternopil is cheaper overall, especially in groceries, eating out, and leisure. The 32% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 45% lower in Ternopil. 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: $503 in Cebu versus $297 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 31% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $915 per month in Cebu versus $690 in Ternopil – a 32% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Ternopil 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 Ternopil 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 Ternopil gentler on the wallet – expenses run 32% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.