Last update: Oct 2026

Cost of Living Comparison Between Cebu and Umag

For one person, living is cheaper in Cebu: $918 a month against $1,532 in Umag, rent and utilities included – about $7,400 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
78

Cost of Living Index in Umag
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Umag Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Umag

🇭🇷 Croatia

$1,532

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Umag

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

Monthly costs for one person with rent: $918 in Cebu versus $1,532 in Umag.

Cebu $918
Umag $1,532

Estimated couple costs with rent: $1,409 in Cebu versus $2,439 in Umag.

Cebu $1,409
Umag $2,439

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,345 in Umag.

Cebu $1,900
Umag $3,345

Living in Cebu costs roughly 40% less than in Umag, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Cebu is 32% below, Umag is 13% above.

Meal at Budget Restaurant

$3.09 ₱194

$12.31 €10.99

-74.90%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,522

$63.5 €56.7

-61.88%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$7.93 €7.08

-50.57%

Cappuccino

$2.51 ₱157

$2.18 €1.95

15.14%

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

$1.59 ₱100

$2.98 €2.66

-46.64%

Water (0.33 liter bottle)

$0.53 ₱33.37

$2.25 €2.01

-76.44%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.33 €2.97

-46.55%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$4.48 €4.00

-51.56%

Milk (1 liter)

$1.92 ₱121

$1.24 €1.11

54.84%

White Bread (500g)

$1.36 ₱85.2

$1.60 €1.43

-15.00%

Rice (white) (1kg)

$1.01 ₱63.4

$2.72 €2.43

-62.87%

Eggs

$2.03 ₱127

$3.89 €3.47

-47.81%

Local Cheese (1kg)

$9.86 ₱620

$14.81 €13.23

-33.42%

Chicken Fillets (1kg)

$4.39 ₱276

$11.80 €10.53

-62.80%

Beef Round Steak (1kg)

$7.60 ₱478

$17.92 €16.00

-57.59%

Apples (1kg)

$3.30 ₱207

$2.29 €2.05

44.10%

Banana (1kg)

$1.39 ₱87.6

$1.79 €1.60

-22.35%

Oranges (1kg)

$2.33 ₱147

$2.05 €1.83

13.66%

Tomato (1kg)

$1.50 ₱94.1

$2.51 €2.24

-40.24%

Potato (1kg)

$2.36 ₱148

$1.30 €1.16

81.54%

Onion (1kg)

$1.90 ₱119

$1.13 €1.01

68.14%

Lettuce (1 head)

$1.19 ₱74.8

$1.18 €1.05

0.85%

Water (1.5 liter bottle)

$0.63 ₱39.63

$1.39 €1.25

-54.68%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.90 €5.27

-49.15%

Wine (Bottle)

$6.03 ₱379

$10.09 €9.01

-40.24%

Local Beer (0.5 liter bottle)

$1.23 ₱77.5

$1.68 €1.50

-26.79%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.56 €2.28

-31.64%

One-way Ticket (Public Transport)

$0.25 ₱15.83

$1.81 €1.62

-86.19%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱794

$39.73 €35.48

-68.19%

Taxi Start (Normal Tariff)

$0.77 ₱48.52

$2.22 €1.98

-65.32%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.50

$1.36 €1.21

-83.09%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$11.94 €10.66

-62.65%

Gasoline (1 liter)

$1.31 ₱82.6

$1.92 €1.71

-31.77%

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

$21.2K ₱1.3M

$27.7K €24.7K

-23.29%

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

$19.1K ₱1.2M

$26.9K €24.0K

-28.75%

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

$120 ₱7,554

$215 €192

-43.97%

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

$14.00 ₱880

$22.92 €20.47

-38.92%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,731

$40.61 €36.27

-32.18%

Gym Membership (Monthly)

$32.33 ₱2,031

$52.1 €46.54

-37.96%

Tennis Court (1 Hour on Weekend)

$6.65 ₱418

$15.38 €13.74

-56.76%

Cinema Ticket

$5.65 ₱355

$8.39 €7.49

-32.66%

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

$275 ₱17.3K

$495 €442

-44.34%

International Primary School, 1 Child (Yearly)

$7,918 ₱497.5K

$9,808 €8,758

-19.26%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,100

$107 €95.4

-53.83%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,586

$43.30 €38.67

-41.71%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,836

$94.7 €84.6

-18.72%

Men's Leather Business Shoes

$57.2 ₱3,594

$110 €98.3

-48.01%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$673 €601

-25.81%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$458 €409

-32.58%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.7K

$1,148 €1,025

-6.09%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$977 €873

-37.06%

Buy Apartment in City Center (m2)

$2,886 ₱181.3K

$4,640 €4,143

-37.79%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.4K

$2,948 €2,632

-34.98%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.3

118.18%

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

Last update for Cebu: October 12, 2026

Last update for Umag: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Umag

$458 29.9% 48.3% $149

Groceries & Markets

Cebu

$206 22.4%

Umag

$316 20.6% 53.6% $110

Monthly Utilities & Internet

Cebu

$162 17.6%

Umag

$278 18.2% 71.9% $116

Clothing & Footwear

Cebu

$94 10.2%

Umag

$160 10.4% 70% $66

Eating Out

Cebu

$88 9.6%

Umag

$195 12.7% 121% $107

Sport & Entertainment

Cebu

$44 4.8%

Umag

$69 4.5% 57.9% $25

Getting Around

Cebu

$16 1.7%

Umag

$56 3.7% 260% $40

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $673 in Umag. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $64.0 in Umag for a mid-range dinner for two. Groceries echo the gap at $206 vs $316 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇭🇷 Umag

🕒 Local time

19:06 7:06 PM

13:06 1:06 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

13,000

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 15, 2026: 1 USD = 62.83 PHP (100 PHP = 1.59 USD). 1 EUR = 70.36 PHP (100 PHP = 1.42 EUR).

Euro exchange rates as of October 15, 2026: 1 USD = 0.893 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Umag 10,730 km ≈ 14 h nonstop flight

From you

Cebu
Umag

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 Umag: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 67% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $2,298 in Umag 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 $673 in Umag. 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 $1,532 in Umag – a 67% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 214% less than in Umag. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,532 in Umag, a $1,500 budget is realistic in Cebu but tight or insufficient in Umag. 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 Umag, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Umag 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 67% less than in Umag. Beyond cost, consider language, visa policies, and how big the international community is in each city.