Last update: Oct 2026

Cost of Living Comparison Between Cebu and Tsushima Island

For one person, living is cheaper in Cebu: $918 a month against $1,243 in Tsushima Island, rent and utilities included – about $3,900 less a year. Other living expenses account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
60

Cost of Living Index in Tsushima Island
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Tsushima Island Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Tsushima Island

🇯🇵 Japan

$1,243

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Tsushima Island

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

Monthly costs for one person with rent: $918 in Cebu versus $1,243 in Tsushima Island.

Cebu $918
Tsushima Island $1,243

Estimated couple costs with rent: $1,409 in Cebu versus $1,932 in Tsushima Island.

Cebu $1,409
Tsushima Island $1,932

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,621 in Tsushima Island.

Cebu $1,900
Tsushima Island $2,621

Living in Cebu costs roughly 26% less than in Tsushima Island, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Tsushima Island 8% lower.

Meal at Budget Restaurant

$3.09 ₱194

$7.05 ¥1,115

-56.17%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$34.88 ¥5,511

-30.56%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$5.41 ¥855

-27.54%

Cappuccino

$2.51 ₱158

$3.10 ¥489

-19.03%

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

$1.59 ₱100

$1.09 ¥172

45.87%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.76 ¥121

-30.26%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.14 ¥338

-16.82%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.04 ¥480

-28.62%

Milk (1 liter)

$1.92 ₱121

$1.51 ¥239

27.15%

White Bread (500g)

$1.36 ₱85.4

$1.65 ¥261

-17.58%

Rice (white) (1kg)

$1.01 ₱63.5

$4.90 ¥774

-79.39%

Eggs

$2.03 ₱128

$2.32 ¥366

-12.50%

Local Cheese (1kg)

$9.86 ₱621

$10.15 ¥1,604

-2.86%

Chicken Fillets (1kg)

$4.39 ₱277

$6.14 ¥970

-28.50%

Beef Round Steak (1kg)

$7.60 ₱479

$15.73 ¥2,485

-51.68%

Apples (1kg)

$3.30 ₱208

$5.23 ¥826

-36.90%

Banana (1kg)

$1.39 ₱87.8

$2.55 ¥402

-45.49%

Oranges (1kg)

$2.33 ₱147

$4.07 ¥644

-42.75%

Tomato (1kg)

$1.50 ₱94.3

$4.65 ¥735

-67.74%

Potato (1kg)

$2.36 ₱149

$3.31 ¥523

-28.70%

Onion (1kg)

$1.90 ₱119

$2.68 ¥424

-29.10%

Lettuce (1 head)

$1.19 ₱74.9

$1.38 ¥218

-13.77%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.88 ¥139

-28.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.21 ¥665

-28.74%

Wine (Bottle)

$6.03 ₱379

$6.52 ¥1,031

-7.52%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$2.01 ¥317

-38.81%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.30 ¥364

-23.91%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.67 ¥264

-85.03%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$55.2 ¥8,717

-77.09%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$3.45 ¥546

-77.68%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$2.91 ¥460

-92.10%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$21.07 ¥3,329

-78.83%

Gasoline (1 liter)

$1.31 ₱82.8

$1.24 ¥196

5.65%

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

$21.2K ₱1.3M

$23.1K ¥3.6M

-7.92%

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

$19.1K ₱1.2M

$17.2K ¥2.7M

11.42%

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

$120 ₱7,569

$139 ¥21.9K

-13.46%

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

$14.00 ₱882

$26.86 ¥4,244

-47.88%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$34.31 ¥5,420

-19.73%

Gym Membership (Monthly)

$32.33 ₱2,035

$58.7 ¥9,269

-44.90%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$13.77 ¥2,176

-51.71%

Cinema Ticket

$5.65 ₱356

$13.36 ¥2,111

-57.71%

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

$275 ₱17.3K

$283 ¥44.7K

-2.64%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$13.3K ¥2.1M

-40.67%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$42.68 ¥6,742

15.58%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$29.86 ¥4,717

-15.47%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$59.3 ¥9,365

29.82%

Men's Leather Business Shoes

$57.2 ₱3,601

$90.5 ¥14.3K

-36.78%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$463 ¥73.1K

7.96%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$334 ¥52.8K

-7.66%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$877 ¥138.6K

22.85%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$657 ¥103.8K

-6.37%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,841 ¥448.8K

1.59%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,775 ¥280.5K

7.96%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

1.81

297.79%

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

Last update for Cebu: October 12, 2026

Last update for Tsushima Island: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Tsushima Island

$334 26.9% 8.3% $26

Groceries & Markets

Cebu

$206 22.4%

Tsushima Island

$309 24.9% 50% $103

Monthly Utilities & Internet

Cebu

$162 17.6%

Tsushima Island

$200 16.1% 23.7% $38

Clothing & Footwear

Cebu

$94 10.2%

Tsushima Island

$100 8.1% 6.5% $6.1

Eating Out

Cebu

$88 9.6%

Tsushima Island

$134 10.8% 51.9% $46

Sport & Entertainment

Cebu

$44 4.8%

Tsushima Island

$85 6.9% 95.8% $42

Getting Around

Cebu

$16 1.7%

Tsushima Island

$80 6.4% 413% $64

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $463 in Tsushima Island. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $35.00 in Tsushima Island for a mid-range dinner for two. Groceries echo the gap at $206 vs $309 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇯🇵 Tsushima Island

🕒 Local time

17:24 5:24 PM

18:24 6:24 PM

1 h ahead of Cebu

🌤 Weather

👥 Population

964,169

28,000

💱 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 19, 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 19, 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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Cebu Tsushima Island 2,710 km ≈ 4 h nonstop flight

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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

Cebu vs Tsushima Island: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 35% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $1,864 in Tsushima Island 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: $500 in Cebu versus $463 in Tsushima Island. 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 $1,243 in Tsushima Island – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 336% less than in Tsushima Island. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,243 in Tsushima Island, a $1,500 budget is realistic in Cebu but tight or insufficient in Tsushima Island. 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 Tsushima Island, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Tsushima Island 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 35% less than in Tsushima Island. Beyond cost, consider language, visa policies, and how big the international community is in each city.