Last update: Oct 2026

Cost of Living Comparison Between Cebu and Uman

For one person, living is cheaper in Uman: $818 a month against $915 in Cebu, rent and utilities included – about $1,200 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

44

Cost of Living Index in Cebu
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Cebu Living Index
40

Cost of Living Index in Uman
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Uman Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Uman

🇺🇦 Ukraine

$818

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Uman

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

Monthly costs for one person with rent: $915 in Cebu versus $818 in Uman.

Cebu $915
Uman $818

Estimated couple costs with rent: $1,418 in Cebu versus $1,254 in Uman.

Cebu $1,418
Uman $1,254

Monthly costs for a family of three with rent: $1,921 in Cebu versus $1,690 in Uman.

Cebu $1,921
Uman $1,690

Living in Cebu is roughly 12% more expensive than in Uman, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 33% lower, Uman 40% lower.

Meal at Budget Restaurant

$3.05 ₱192

$7.88 ₴354

-61.29%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$36.01 ₴1,616

-33.35%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$5.82 ₴261

-31.44%

Cappuccino

$2.50 ₱157

$1.60 ₴72.0

56.25%

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

$1.54 ₱97.1

$0.85 ₴38.33

81.18%

Water (0.33 liter bottle)

$0.50 ₱31.37

$0.76 ₴34.18

-34.21%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.74 ₴78.2

2.30%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.16 ₴97.1

0.46%

Milk (1 liter)

$2.00 ₱126

$1.30 ₴58.6

53.85%

White Bread (500g)

$1.37 ₱86.2

$0.78 ₴35.01

75.64%

Rice (white) (1kg)

$1.03 ₱64.9

$1.85 ₴83.3

-44.32%

Eggs

$2.03 ₱128

$2.07 ₴93.1

-1.93%

Local Cheese (1kg)

$10.20 ₱642

$9.83 ₴441

3.76%

Chicken Fillets (1kg)

$4.45 ₱280

$5.38 ₴242

-17.29%

Beef Round Steak (1kg)

$7.67 ₱483

$6.87 ₴308

11.64%

Apples (1kg)

$3.31 ₱208

$1.17 ₴52.7

182.91%

Banana (1kg)

$1.46 ₱91.8

$1.41 ₴63.2

3.55%

Oranges (1kg)

$2.32 ₱146

$1.95 ₴87.6

18.97%

Tomato (1kg)

$1.49 ₱94.0

$3.17 ₴142

-53.00%

Potato (1kg)

$2.34 ₱147

$0.78 ₴34.99

200.00%

Onion (1kg)

$1.94 ₱122

$0.51 ₴22.95

280.39%

Lettuce (1 head)

$1.16 ₱73.0

$1.61 ₴72.3

-27.95%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.56 ₴25.09

21.43%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$3.06 ₴138

-2.29%

Wine (Bottle)

$6.24 ₱393

$5.54 ₴249

12.64%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$0.77 ₴34.38

59.74%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.46 ₴65.4

18.49%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.34 ₴15.28

-32.35%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$10.62 ₴477

16.20%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$1.82 ₴81.8

-56.59%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.34 ₴15.42

-35.29%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$4.53 ₴203

0.22%

Gasoline (1 liter)

$1.32 ₱82.9

$1.74 ₴77.9

-24.14%

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

$21.0K ₱1.3M

$29.4K ₴1.3M

-28.67%

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

$19.4K ₱1.2M

$25.3K ₴1.1M

-23.20%

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

$119 ₱7,464

$115 ₴5,178

2.77%

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

$14.22 ₱896

$5.62 ₴252

153.02%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$6.56 ₴295

318.75%

Gym Membership (Monthly)

$32.31 ₱2,034

$24.36 ₴1,093

32.64%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$13.26 ₴595

-50.98%

Cinema Ticket

$5.40 ₱340

$5.64 ₴253

-4.26%

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

$276 ₱17.4K

$255 ₴11.4K

8.25%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$3,725 ₴167.2K

111.15%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$65.2 ₴2,926

-24.26%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$43.14 ₴1,937

-43.02%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$88.3 ₴3,964

-13.20%

Men's Leather Business Shoes

$58.9 ₱3,706

$103 ₴4,633

-42.98%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$268 ₴12.0K

87.92%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$199 ₴8,951

52.70%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$579 ₴26.0K

85.65%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$288 ₴12.9K

119.64%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$1,075 ₴48.3K

166.95%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$753 ₴33.8K

149.25%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$271 ₴12.1K

24.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

21.17

-65.99%

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

Last update for Cebu: October 19, 2026

Last update for Uman: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Uman

$199 24.4% 34.5% $105

Groceries & Markets

Cebu

$210 22.9%

Uman

$186 22.7% 11.3% $24

Monthly Utilities & Internet

Cebu

$160 17.5%

Uman

$128 15.6% 20.4% $33

Clothing & Footwear

Cebu

$94 10.3%

Uman

$135 16.5% 43.2% $41

Eating Out

Cebu

$88 9.6%

Uman

$119 14.6% 35.9% $31

Sport & Entertainment

Cebu

$43 4.7%

Uman

$36 4.4% 17.3% $7.5

Getting Around

Cebu

$15 1.7%

Uman

$16 1.9% 2.4% $0.4

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $268 in Uman. Housing cost is often the main lever when comparing two cities.

Cebu pays 24% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $24.00 in Cebu vs $36.00 in Uman. Groceries flip the comparison at $210 vs $186, with Uman cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇺🇦 Uman

🕒 Local time

03:49 3:49 AM

22:49 10:49 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

86,614

💱 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

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Highest

Between locations

Cebu Uman 9,420 km ≈ 12 h nonstop flight

From you

Cebu
Uman

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 Uman: Cost of Living - Frequently Asked Questions

Uman is cheaper overall, especially in groceries, leisure, and utilities. The 12% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 24% higher in Cebu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $503 in Cebu versus $268 in Uman. 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 $818 in Uman – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Uman runs roughly 16% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Uman gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Uman 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 Uman 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 Uman gentler on the wallet – expenses run 12% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.