Last update: Oct 2026

Cost of Living Comparison Between Cebu and Toyonaka

For one person, living is cheaper in Cebu: $915 a month against $1,214 in Toyonaka, rent and utilities included – about $3,600 less a year. Other living expenses account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
59

Cost of Living Index in Toyonaka
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Toyonaka Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Toyonaka

🇯🇵 Japan

$1,214

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Toyonaka

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

Monthly costs for one person with rent: $915 in Cebu versus $1,214 in Toyonaka.

Cebu $915
Toyonaka $1,214

Estimated couple costs with rent: $1,418 in Cebu versus $1,950 in Toyonaka.

Cebu $1,418
Toyonaka $1,950

Monthly costs for a family of three with rent: $1,921 in Cebu versus $2,686 in Toyonaka.

Cebu $1,921
Toyonaka $2,686

Living in Cebu costs roughly 25% less than in Toyonaka, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 33% lower, Toyonaka 10% lower.

Meal at Budget Restaurant

$3.05 ₱192

$7.68 ¥1,213

-60.29%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$31.42 ¥4,964

-23.62%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$4.91 ¥775

-18.74%

Cappuccino

$2.50 ₱157

$2.32 ¥367

7.76%

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

$1.54 ₱97.1

$1.13 ¥178

36.28%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.59 ¥93.0

-15.25%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.10 ¥332

-15.24%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.29 ¥361

-5.24%

Milk (1 liter)

$2.00 ₱126

$1.55 ¥245

29.03%

White Bread (500g)

$1.37 ₱86.2

$1.32 ¥208

3.79%

Rice (white) (1kg)

$1.03 ₱64.9

$4.03 ¥637

-74.44%

Eggs

$2.03 ₱128

$2.00 ¥316

1.50%

Local Cheese (1kg)

$10.20 ₱642

$12.85 ¥2,030

-20.62%

Chicken Fillets (1kg)

$4.45 ₱280

$6.78 ¥1,072

-34.37%

Beef Round Steak (1kg)

$7.67 ₱483

$17.48 ¥2,762

-56.12%

Apples (1kg)

$3.31 ₱208

$7.80 ¥1,232

-57.56%

Banana (1kg)

$1.46 ₱91.8

$3.00 ¥474

-51.33%

Oranges (1kg)

$2.32 ₱146

$5.08 ¥803

-54.33%

Tomato (1kg)

$1.49 ₱94.0

$7.90 ¥1,249

-81.14%

Potato (1kg)

$2.34 ₱147

$3.89 ¥615

-39.85%

Onion (1kg)

$1.94 ₱122

$3.42 ¥541

-43.27%

Lettuce (1 head)

$1.16 ₱73.0

$1.18 ¥186

-1.69%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.95 ¥150

-28.42%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$3.39 ¥536

-11.80%

Wine (Bottle)

$6.24 ₱393

$8.01 ¥1,266

-22.10%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.98 ¥312

-37.88%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.49 ¥235

16.11%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$1.51 ¥238

-84.77%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$53.6 ¥8,463

-76.96%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$3.17 ¥501

-75.08%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$2.81 ¥444

-92.17%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$15.73 ¥2,485

-71.14%

Gasoline (1 liter)

$1.32 ₱82.9

$1.09 ¥173

21.10%

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

$21.0K ₱1.3M

$19.9K ¥3.1M

5.38%

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

$19.4K ₱1.2M

$14.9K ¥2.4M

30.39%

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

$119 ₱7,464

$114 ¥18.0K

3.90%

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

$14.22 ₱896

$22.93 ¥3,623

-37.99%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$30.97 ¥4,893

-11.30%

Gym Membership (Monthly)

$32.31 ₱2,034

$52.6 ¥8,306

-38.55%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$5.40 ₱340

$11.31 ¥1,787

-52.25%

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

$276 ₱17.4K

$327 ¥51.6K

-15.55%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$6,074 ¥959.6K

29.51%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$51.1 ¥8,072

-3.37%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$24.94 ¥3,941

-1.44%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$45.91 ¥7,253

66.94%

Men's Leather Business Shoes

$58.9 ₱3,706

$64.2 ¥10.1K

-8.25%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$533 ¥84.2K

-5.52%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$326 ¥51.5K

-6.58%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$1,111 ¥175.5K

-3.25%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$742 ¥117.2K

-14.80%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$4,216 ¥666.1K

-31.94%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$1,789 ¥282.6K

4.94%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.02

256.44%

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

Last update for Cebu: October 19, 2026

Last update for Toyonaka: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Toyonaka

$326 26.9% 7% $21

Groceries & Markets

Cebu

$210 22.9%

Toyonaka

$358 29.5% 70.8% $148

Monthly Utilities & Internet

Cebu

$160 17.5%

Toyonaka

$168 13.8% 4.8% $7.8

Clothing & Footwear

Cebu

$94 10.3%

Toyonaka

$84 6.9% 11.2% $11

Eating Out

Cebu

$88 9.6%

Toyonaka

$126 10.4% 43.5% $38

Sport & Entertainment

Cebu

$43 4.7%

Toyonaka

$75 6.2% 74.5% $32

Getting Around

Cebu

$15 1.7%

Toyonaka

$77 6.3% 407% $62

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $533 in Toyonaka. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $31.00 in Toyonaka for a mid-range dinner for two. Groceries echo the gap at $210 vs $358 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇯🇵 Toyonaka

🕒 Local time

05:58 5:58 AM

06:58 6:58 AM

1 h ahead of Cebu

🌤 Weather

👥 Population

964,169

394,788

💱 Currency

Philippine Peso PHP ₱

Japanese Yen JPY ¥

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

JPY, 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).

Japanese Yen exchange rates as of October 20, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to PHP in detail →

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Between locations

Cebu Toyonaka 2,970 km ≈ 4 h 15 min nonstop flight

From you

Cebu
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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 Toyonaka: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and leisure. The 33% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,372 in Cebu and $1,821 in Toyonaka 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: $503 in Cebu versus $533 in Toyonaka. 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 $1,214 in Toyonaka – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 334% less than in Toyonaka. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,214 in Toyonaka, a $1,500 budget is realistic in Cebu but tight or insufficient in Toyonaka. 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 Toyonaka, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Toyonaka 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 33% less than in Toyonaka. Beyond cost, consider language, visa policies, and how big the international community is in each city.