Last update: Oct 2026

Cost of Living Comparison Between Cebu and Tumon

For one person, living is cheaper in Tumon: $429 a month against $915 in Cebu, rent and utilities included – about $5,800 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Cebu
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Cebu Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Tumon

🇬🇺 Guam

$429

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Tumon

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

Monthly costs for one person with rent: $915 in Cebu versus $429 in Tumon.

Cebu $915
Tumon $429

Estimated couple costs with rent: $1,418 in Cebu versus $2,002 in Tumon.

Cebu $1,418
Tumon $2,002

Monthly costs for a family of three with rent: $1,921 in Cebu versus $3,574 in Tumon.

Cebu $1,921
Tumon $3,574

Living in Cebu is roughly 113% more expensive than in Tumon, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 33% lower, Tumon 68% lower.

Meal at Budget Restaurant

$3.05 ₱192

$25.37 $25.37

-87.98%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$51.7 $51.7

-53.57%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$12.95 $12.95

-69.19%

Cappuccino

$2.50 ₱157

$6.01 $6.01

-58.40%

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

$1.54 ₱97.1

$3.05 $3.05

-49.51%

Water (0.33 liter bottle)

$0.50 ₱31.37

$3.03 $3.03

-83.50%

Local Beer (0.5 liter draught)

$1.78 ₱112

$7.12 $7.12

-75.00%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$8.88 $8.88

-75.56%

Milk (1 liter)

$2.00 ₱126

White Bread (500g)

$1.37 ₱86.2

Rice (white) (1kg)

$1.03 ₱64.9

Eggs

$2.03 ₱128

Local Cheese (1kg)

$10.20 ₱642

Chicken Fillets (1kg)

$4.45 ₱280

Beef Round Steak (1kg)

$7.67 ₱483

Apples (1kg)

$3.31 ₱208

Banana (1kg)

$1.46 ₱91.8

Oranges (1kg)

$2.32 ₱146

Tomato (1kg)

$1.49 ₱94.0

Potato (1kg)

$2.34 ₱147

Onion (1kg)

$1.94 ₱122

Lettuce (1 head)

$1.16 ₱73.0

Water (1.5 liter bottle)

$0.68 ₱42.89

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

Wine (Bottle)

$6.24 ₱393

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

Imported Beer (0.33 liter bottle)

$1.73 ₱109

One-way Ticket (Public Transport)

$0.23 ₱14.36

$6.87 $6.87

-96.65%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$0.79 ₱49.96

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$1.94 $1.94

-88.66%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

Gasoline (1 liter)

$1.32 ₱82.9

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

$21.0K ₱1.3M

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

$19.4K ₱1.2M

$29.1K $29.1K

-33.38%

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

$119 ₱7,464

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

$14.22 ₱896

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

Gym Membership (Monthly)

$32.31 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$5.40 ₱340

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

$276 ₱17.4K

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

Men's Leather Business Shoes

$58.9 ₱3,706

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$2,433 $2,433

-74.02%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Cebu: October 19, 2026

Last update for Tumon: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Tumon

–

Groceries & Markets

Cebu

$210 22.9%

Tumon

–

Monthly Utilities & Internet

Cebu

$160 17.5%

Tumon

–

Clothing & Footwear

Cebu

$94 10.3%

Tumon

–

Eating Out

Cebu

$88 9.6%

Tumon

–

Sport & Entertainment

Cebu

$43 4.7%

Tumon

–

Getting Around

Cebu

$15 1.7%

Tumon

–

Cost Breakdown

Dining out at a mid-range restaurant: $24.00 in Cebu vs $52.0 in Tumon for two.

Good to know

🇵🇭 Cebu

🇬🇺 Tumon

🕒 Local time

05:18 5:18 AM

07:18 7:18 AM

2 h ahead of Cebu

🌤 Weather

👥 Population

964,169

44,943

💱 Currency

Philippine Peso PHP ₱

United States Dollar USD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

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).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Tumon 2,300 km ≈ 3 h 30 min nonstop flight

From you

Cebu
Tumon

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 Tumon: Cost of Living - Frequently Asked Questions

Tumon is cheaper overall, especially in groceries, clothing, and leisure. The 113% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,372 in Cebu and $643 in Tumon 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.

Dining out is cheaper in Tumon – a meal for two runs $52.0 versus $24.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $915 per month in Cebu versus $429 in Tumon – a 113% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Tumon 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 Tumon 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 Tumon gentler on the wallet – expenses run 113% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.