Last update: Oct 2026

Cost of Living Comparison Between Cebu and Windhoek

For one person, living is cheaper in Cebu: $934 a month against $1,171 in Windhoek, rent and utilities included – about $2,800 less a year. Other living expenses account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
57

Cost of Living Index in Windhoek
Learn more

Windhoek Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Windhoek

🇳🇦 Namibia

$1,171

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Windhoek

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

Monthly costs for one person with rent: $934 in Cebu versus $1,171 in Windhoek.

Cebu $934
Windhoek $1,171

Estimated couple costs with rent: $1,415 in Cebu versus $1,979 in Windhoek.

Cebu $1,415
Windhoek $1,979

Monthly costs for a family of three with rent: $1,896 in Cebu versus $2,787 in Windhoek.

Cebu $1,896
Windhoek $2,787

Living in Cebu costs roughly 20% less than in Windhoek, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 30% lower, Windhoek 13% lower.

Meal at Budget Restaurant

$3.03 ₱190

$11.46 NAD 189

-73.56%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$63.0 NAD 1,040

-62.75%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$5.84 NAD 96.4

-29.97%

Cappuccino

$2.52 ₱158

$2.35 NAD 38.73

7.23%

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

$1.54 ₱96.9

$0.87 NAD 14.32

77.01%

Water (0.33 liter bottle)

$0.49 ₱30.98

$0.87 NAD 14.41

-43.68%

Local Beer (0.5 liter draught)

$1.79 ₱112

$1.98 NAD 32.67

-9.60%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$2.12 NAD 34.95

6.60%

Milk (1 liter)

$1.95 ₱122

$1.53 NAD 25.27

27.45%

White Bread (500g)

$1.43 ₱89.7

$0.95 NAD 15.62

50.53%

Rice (white) (1kg)

$1.02 ₱63.8

$1.93 NAD 31.81

-47.15%

Eggs

$2.06 ₱129

$3.17 NAD 52.3

-35.02%

Local Cheese (1kg)

$9.81 ₱615

$9.47 NAD 156

3.59%

Chicken Fillets (1kg)

$4.61 ₱289

$6.63 NAD 109

-30.47%

Beef Round Steak (1kg)

$7.70 ₱483

$7.60 NAD 125

1.32%

Apples (1kg)

$3.31 ₱207

$2.15 NAD 35.47

53.95%

Banana (1kg)

$1.45 ₱90.9

$1.89 NAD 31.21

-23.28%

Oranges (1kg)

$2.36 ₱148

$1.88 NAD 31.07

25.53%

Tomato (1kg)

$1.54 ₱96.4

$1.98 NAD 32.61

-22.22%

Potato (1kg)

$2.36 ₱148

$2.00 NAD 33.07

18.00%

Onion (1kg)

$1.99 ₱125

$1.82 NAD 30.00

9.34%

Lettuce (1 head)

$1.15 ₱72.1

$1.95 NAD 32.14

-41.03%

Water (1.5 liter bottle)

$0.67 ₱42.15

$1.07 NAD 17.64

-37.38%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$3.32 NAD 54.8

-9.64%

Wine (Bottle)

$6.35 ₱398

$6.78 NAD 112

-6.34%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.41 NAD 23.19

-7.09%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$1.42 NAD 23.47

21.83%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.74 NAD 12.25

-66.22%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$48.69 NAD 803

-74.02%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$0.82 NAD 13.50

-9.76%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$0.87 NAD 14.34

-75.86%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$15.56 NAD 257

-72.17%

Gasoline (1 liter)

$1.33 ₱83.5

$1.34 NAD 22.10

-0.75%

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

$21.8K ₱1.4M

$24.3K NAD 400.3K

-10.28%

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

$19.4K ₱1.2M

$27.1K NAD 447.1K

-28.42%

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

$121 ₱7,563

$139 NAD 2,287

-12.99%

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

$14.45 ₱907

$25.91 NAD 428

-44.23%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$51.4 NAD 847

-44.91%

Gym Membership (Monthly)

$32.68 ₱2,050

$37.58 NAD 620

-13.04%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$10.56 NAD 174

-39.49%

Cinema Ticket

$5.46 ₱342

$5.32 NAD 87.7

2.63%

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

$273 ₱17.1K

$209 NAD 3,445

30.95%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$5,376 NAD 88.7K

51.71%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$53.9 NAD 890

-8.08%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$33.95 NAD 560

-26.75%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$91.0 NAD 1,501

-15.82%

Men's Leather Business Shoes

$59.3 ₱3,717

$95.4 NAD 1,574

-37.86%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$492 NAD 8,120

2.76%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$357 NAD 5,885

-13.25%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$1,138 NAD 18.8K

-7.56%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$868 NAD 14.3K

-28.73%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$1,615 NAD 26.6K

80.52%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$601 NAD 9,922

210.51%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$989 NAD 16.3K

-65.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

11.42

-36.95%

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

Last update for Cebu: October 5, 2026

Last update for Windhoek: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Windhoek

$357 30.2% 15.3% $47

Groceries & Markets

Cebu

$210 22.7%

Windhoek

$223 18.8% 5.9% $12

Monthly Utilities & Internet

Cebu

$163 17.7%

Windhoek

$216 18.3% 32.2% $53

Clothing & Footwear

Cebu

$95 10.2%

Windhoek

$123 10.4% 30.4% $29

Eating Out

Cebu

$88 9.6%

Windhoek

$159 13.4% 79.4% $70

Sport & Entertainment

Cebu

$44 4.7%

Windhoek

$48 4.1% 10.6% $4.6

Getting Around

Cebu

$15 1.7%

Windhoek

$57 4.8% 268% $41

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $492 in Windhoek. Housing cost is often the main lever when comparing two cities.

Windhoek pays 190% 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 $63.0 in Windhoek for a mid-range dinner for two. Groceries echo the gap at $210 vs $223 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇳🇦 Windhoek

🕒 Local time

15:28 3:28 PM

09:28 9:28 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

322,500 Capital

💱 Currency

Philippine Peso PHP ₱

Namibian Dollar NAD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100 NAD = 6.06 USD

100 NAD = 5.4 EUR

Exchange rates and currency converter

NAD, 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 = 70.35 PHP (100 PHP = 1.42 EUR).

Namibian Dollar exchange rates as of October 10, 2026: 1 USD = 16.5 NAD (100 NAD = 6.06 USD). 1 EUR = 18.51 NAD (100 NAD = 5.4 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Windhoek 12,160 km ≈ 16 h nonstop flight

From you

Cebu
Windhoek

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 Windhoek: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 25% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 190% lower in Windhoek. 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 $492 in Windhoek. 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 $1,171 in Windhoek – a 25% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 285% less than in Windhoek. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,171 in Windhoek, a $1,500 budget is realistic in Cebu but tight or insufficient in Windhoek. 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 Windhoek, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Windhoek 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 25% less than in Windhoek. Beyond cost, consider language, visa policies, and how big the international community is in each city.