Last update: Oct 2026

Cost of Living Comparison Between Cebu and Winneba

For one person, living is cheaper in Winneba: $669 a month against $918 in Cebu, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

45

Cost of Living Index in Cebu
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Cebu Living Index
33

Cost of Living Index in Winneba
Learn more

Winneba Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Winneba

🇬🇭 Ghana

$669

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Winneba

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

Monthly costs for one person with rent: $918 in Cebu versus $669 in Winneba.

Cebu $918
Winneba $669

Estimated couple costs with rent: $1,409 in Cebu versus $1,124 in Winneba.

Cebu $1,409
Winneba $1,124

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,580 in Winneba.

Cebu $1,900
Winneba $1,580

Living in Cebu is roughly 37% more expensive than in Winneba, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Winneba 50% lower.

Meal at Budget Restaurant

$3.09 ₱195

$7.82 GHS 90.9

-60.49%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$50.5 GHS 587

-52.02%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$10.51 GHS 122

-62.70%

Cappuccino

$2.51 ₱158

$4.34 GHS 50.5

-42.17%

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

$1.59 ₱100

$1.60 GHS 18.65

-0.63%

Water (0.33 liter bottle)

$0.53 ₱33.45

$0.45 GHS 5.19

17.78%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.87 GHS 21.79

-4.81%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.22 GHS 25.83

-2.25%

Milk (1 liter)

$1.92 ₱121

$3.52 GHS 40.96

-45.45%

White Bread (500g)

$1.36 ₱85.5

$1.59 GHS 18.50

-14.47%

Rice (white) (1kg)

$1.01 ₱63.6

$3.09 GHS 35.89

-67.31%

Eggs

$2.03 ₱128

$2.71 GHS 31.50

-25.09%

Local Cheese (1kg)

$9.86 ₱621

$11.76 GHS 137

-16.16%

Chicken Fillets (1kg)

$4.39 ₱277

$7.40 GHS 86.1

-40.68%

Beef Round Steak (1kg)

$7.60 ₱479

$9.76 GHS 114

-22.13%

Apples (1kg)

$3.30 ₱208

$3.62 GHS 42.11

-8.84%

Banana (1kg)

$1.39 ₱87.8

$1.40 GHS 16.27

-0.71%

Oranges (1kg)

$2.33 ₱147

$1.83 GHS 21.31

27.32%

Tomato (1kg)

$1.50 ₱94.3

$3.52 GHS 40.89

-57.39%

Potato (1kg)

$2.36 ₱149

$2.67 GHS 31.09

-11.61%

Onion (1kg)

$1.90 ₱119

$2.63 GHS 30.60

-27.76%

Lettuce (1 head)

$1.19 ₱74.9

$0.76 GHS 8.79

56.58%

Water (1.5 liter bottle)

$0.63 ₱39.73

$0.56 GHS 6.52

12.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.60 GHS 30.29

15.38%

Wine (Bottle)

$6.03 ₱380

$7.29 GHS 84.8

-17.28%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.28 GHS 14.93

-3.91%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.38 GHS 27.68

-26.47%

One-way Ticket (Public Transport)

$0.25 ₱15.87

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.64

$1.66 GHS 19.32

-53.61%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

$1.30 GHS 15.13

-82.31%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$4.16 GHS 48.40

7.21%

Gasoline (1 liter)

$1.31 ₱82.8

$1.30 GHS 15.16

0.77%

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

$21.2K ₱1.3M

$7,941 GHS 92.4K

167.52%

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

$19.1K ₱1.2M

$9,952 GHS 115.7K

92.38%

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

$120 ₱7,573

$74.4 GHS 865

61.64%

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

$14.00 ₱882

$19.18 GHS 223

-27.01%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,735

$43.32 GHS 504

-36.43%

Gym Membership (Monthly)

$32.33 ₱2,036

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$12.73 GHS 148

-55.62%

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

$275 ₱17.3K

$472 GHS 5,487

-41.64%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

$18.5K GHS 215.6K

-57.28%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

$14.33 GHS 167

244.24%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

$18.10 GHS 211

39.45%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

$36.39 GHS 423

111.49%

Men's Leather Business Shoes

$57.2 ₱3,603

$51.6 GHS 600

10.79%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

26.75

-73.08%

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

Last update for Cebu: October 12, 2026

Last update for Winneba: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Winneba

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Winneba

$276 41.3% 34.1% $70

Monthly Utilities & Internet

Cebu

$162 17.6%

Winneba

$137 20.5% 15.4% $25

Clothing & Footwear

Cebu

$94 10.2%

Winneba

$54 8.1% 42.3% $40

Eating Out

Cebu

$88 9.6%

Winneba

$168 25.1% 90.5% $80

Sport & Entertainment

Cebu

$44 4.8%

Winneba

$25 * 3.8% 41.6% $18

Getting Around

Cebu

$16 1.7%

Winneba

$8.2 * 1.2% 47.5% $7.4

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

Cost Breakdown

Dining out: $24.00 in Cebu vs $50.0 in Winneba for a mid-range dinner for two. Groceries echo the gap at $206 vs $276 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇬🇭 Winneba

🕒 Local time

04:42 4:42 AM

20:42 8:42 PM

8 h behind Cebu

🌤 Weather

👥 Population

964,169

71,288

💱 Currency

Philippine Peso PHP ₱

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

Exchange rates and currency converter

GHS, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

Ghanaian Cedi exchange rates as of October 17, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.08 GHS (100 GHS = 7.65 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Winneba 13,630 km ≈ 18 h nonstop flight

From you

Cebu
Winneba

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 Winneba: Cost of Living - Frequently Asked Questions

Winneba is cheaper overall, especially in clothing, leisure, and transport. The 37% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $1,003 in Winneba 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.

Shoppers in Cebu pay roughly 34% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $918 per month in Cebu versus $669 in Winneba – a 37% gap that adds up to real savings over time for anyone picking the cheaper option.

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

For families, Winneba 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 Winneba 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 Winneba gentler on the wallet – expenses run 37% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.