Last update: Oct 2026

Cost of Living Comparison Between Cebu and Victoria

For one person, living is cheaper in Cebu: $934 a month against $2,017 in Victoria, rent and utilities included – about $13,000 less a year. Other living expenses account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
97

Cost of Living Index in Victoria
Learn more

Victoria Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Victoria

🇸🇨 Seychelles

$2,017

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Victoria

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

Monthly costs for one person with rent: $934 in Cebu versus $2,017 in Victoria.

Cebu $934
Victoria $2,017

Estimated couple costs with rent: $1,415 in Cebu versus $3,144 in Victoria.

Cebu $1,415
Victoria $3,144

Monthly costs for a family of three with rent: $1,896 in Cebu versus $4,271 in Victoria.

Cebu $1,896
Victoria $4,271

Living in Cebu costs roughly 54% less than in Victoria, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 30% below, Victoria is 51% above.

Meal at Budget Restaurant

$3.03 ₱190

$17.68 SCR 256

-82.86%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$50.5 SCR 731

-53.49%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$12.40 SCR 180

-67.02%

Cappuccino

$2.52 ₱158

$3.98 SCR 57.7

-36.68%

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

$1.54 ₱96.9

$2.33 SCR 33.72

-33.91%

Water (0.33 liter bottle)

$0.49 ₱30.98

$2.57 SCR 37.20

-80.93%

Local Beer (0.5 liter draught)

$1.79 ₱112

$4.08 SCR 59.1

-56.13%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$4.02 SCR 58.2

-43.78%

Milk (1 liter)

$1.95 ₱122

$1.86 SCR 26.93

4.84%

White Bread (500g)

$1.43 ₱89.7

$1.78 SCR 25.75

-19.66%

Rice (white) (1kg)

$1.02 ₱63.8

$2.62 SCR 37.90

-61.07%

Eggs

$2.06 ₱129

$3.69 SCR 53.4

-44.17%

Local Cheese (1kg)

$9.81 ₱615

$31.07 SCR 450

-68.43%

Chicken Fillets (1kg)

$4.61 ₱289

$6.12 SCR 88.7

-24.67%

Beef Round Steak (1kg)

$7.70 ₱483

$12.47 SCR 181

-38.25%

Apples (1kg)

$3.31 ₱207

$2.29 SCR 33.17

44.54%

Banana (1kg)

$1.45 ₱90.9

$2.75 SCR 39.85

-47.27%

Oranges (1kg)

$2.36 ₱148

$2.40 SCR 34.74

-1.67%

Tomato (1kg)

$1.54 ₱96.4

$6.06 SCR 87.7

-74.59%

Potato (1kg)

$2.36 ₱148

$1.91 SCR 27.60

23.56%

Onion (1kg)

$1.99 ₱125

$1.84 SCR 26.57

8.15%

Lettuce (1 head)

$1.15 ₱72.1

$1.48 SCR 21.36

-22.30%

Water (1.5 liter bottle)

$0.67 ₱42.15

$1.34 SCR 19.34

-50.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$24.31 SCR 352

-87.66%

Wine (Bottle)

$6.35 ₱398

$10.15 SCR 147

-37.44%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$4.26 SCR 61.7

-69.25%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$5.58 SCR 80.7

-69.00%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.73 SCR 10.56

-65.75%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$32.68 SCR 473

-61.29%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

$1.64 SCR 23.70

-18.90%

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

$21.8K ₱1.4M

$26.9K SCR 388.9K

-18.96%

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

$19.4K ₱1.2M

$32.7K SCR 473.3K

-40.66%

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

$121 ₱7,563

$138 SCR 1,993

-12.38%

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

$14.45 ₱907

$41.62 SCR 603

-65.28%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$136 SCR 1,972

-79.23%

Gym Membership (Monthly)

$32.68 ₱2,050

$76.7 SCR 1,111

-57.40%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$7.95 SCR 115

-19.62%

Cinema Ticket

$5.46 ₱342

$6.96 SCR 101

-21.55%

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

$273 ₱17.1K

$141 SCR 2,036

94.47%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$8,597 SCR 124.5K

-5.13%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$36.66 SCR 531

35.22%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$24.11 SCR 349

3.15%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$88.0 SCR 1,274

-12.98%

Men's Leather Business Shoes

$59.3 ₱3,717

$99.1 SCR 1,434

-40.17%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$959 SCR 13.9K

-47.29%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$787 SCR 11.4K

-60.68%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$2,261 SCR 32.7K

-53.49%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$1,756 SCR 25.4K

-64.76%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$442 SCR 6,400

559.66%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$1,145 SCR 16.6K

63.08%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$956 SCR 13.8K

-64.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-40.00%

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

Last update for Cebu: October 5, 2026

Last update for Victoria: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Victoria

$787 39.5% 154% $477

Groceries & Markets

Cebu

$210 22.7%

Victoria

$375 18.8% 78.1% $164

Monthly Utilities & Internet

Cebu

$163 17.7%

Victoria

$315 15.9% 93.1% $152

Clothing & Footwear

Cebu

$95 10.2%

Victoria

$112 5.6% 17.8% $17

Eating Out

Cebu

$88 9.6%

Victoria

$274 13.8% 211% $186

Sport & Entertainment

Cebu

$44 4.7%

Victoria

$91 4.6% 108% $47

Getting Around

Cebu

$15 1.7%

Victoria

$36 * 1.8% 131% $20

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $959 in Victoria. Housing cost is often the main lever when comparing two cities.

Victoria pays 180% 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: $23.00 in Cebu vs $50.0 in Victoria for a mid-range dinner for two. Groceries echo the gap at $210 vs $375 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇸🇨 Victoria

🕒 Local time

18:18 6:18 PM

14:18 2:18 PM

4 h behind Cebu

🌤 Weather

👥 Population

964,169

26,450 Capital

💱 Currency

Philippine Peso PHP ₱

Seychellois Rupee SCR ₨

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 SCR = 6.91 USD

100 SCR = 6.16 EUR

Exchange rates and currency converter

SCR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

Seychellois Rupee exchange rates as of October 10, 2026: 1 USD = 14.48 SCR (100 SCR = 6.91 USD). 1 EUR = 16.23 SCR (100 SCR = 6.16 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Victoria 7,760 km ≈ 10 h nonstop flight

From you

Cebu
Victoria

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 Victoria: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 116% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 180% lower in Victoria. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $506 in Cebu versus $959 in Victoria. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $2,017 in Victoria – a 116% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 158% less than in Victoria. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,017 in Victoria, a $1,500 budget is realistic in Cebu but tight or insufficient in Victoria. 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 Victoria, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Victoria 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 116% less than in Victoria. Beyond cost, consider language, visa policies, and how big the international community is in each city.