Last update: Oct 2026

Cost of Living Comparison Between Cebu and Xaghra

For one person, living is cheaper in Cebu: $918 a month against $1,986 in Xaghra, rent and utilities included – about $12,800 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
95

Cost of Living Index in Xaghra
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Xaghra Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Xaghra

🇲🇹 Malta

$1,986

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Xaghra

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

Monthly costs for one person with rent: $918 in Cebu versus $1,986 in Xaghra.

Cebu $918
Xaghra $1,986

Estimated couple costs with rent: $1,409 in Cebu versus $2,970 in Xaghra.

Cebu $1,409
Xaghra $2,970

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,953 in Xaghra.

Cebu $1,900
Xaghra $3,953

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

The two cities straddle the global median: Cebu is 32% below, Xaghra is 47% above.

Meal at Budget Restaurant

$3.09 ₱194

$10.07 €8.96

-69.31%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$88.2 €78.5

-72.54%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$13.50 €12.01

-70.96%

Cappuccino

$2.51 ₱158

$3.19 €2.83

-21.32%

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

$1.59 ₱100

$2.39 €2.12

-33.47%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.93 €1.72

-72.54%

Local Beer (0.5 liter draught)

$1.78 ₱112

$5.46 €4.85

-67.40%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$6.50 €5.78

-66.62%

Milk (1 liter)

$1.92 ₱121

$1.36 €1.21

41.18%

White Bread (500g)

$1.36 ₱85.4

$1.44 €1.28

-5.56%

Rice (white) (1kg)

$1.01 ₱63.5

$3.38 €3.01

-70.12%

Eggs

$2.03 ₱128

$2.07 €1.84

-1.93%

Local Cheese (1kg)

$9.86 ₱621

$10.52 €9.35

-6.27%

Chicken Fillets (1kg)

$4.39 ₱277

$12.15 €10.81

-63.87%

Beef Round Steak (1kg)

$7.60 ₱479

$18.35 €16.32

-58.58%

Apples (1kg)

$3.30 ₱208

$3.83 €3.40

-13.84%

Banana (1kg)

$1.39 ₱87.8

$2.77 €2.47

-49.82%

Oranges (1kg)

$2.33 ₱147

$3.99 €3.55

-41.60%

Tomato (1kg)

$1.50 ₱94.3

$3.79 €3.37

-60.42%

Potato (1kg)

$2.36 ₱149

$1.86 €1.66

26.88%

Onion (1kg)

$1.90 ₱119

$3.27 €2.91

-41.90%

Lettuce (1 head)

$1.19 ₱74.9

$2.18 €1.94

-45.41%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.91 €0.81

-30.77%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.41 €5.70

-53.20%

Wine (Bottle)

$6.03 ₱379

$5.78 €5.14

4.33%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$2.40 €2.13

-48.75%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.35 €2.09

-25.53%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.54 €2.26

-90.16%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$3.86 €3.43

-80.05%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.76 €1.57

-86.93%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$32.86 €29.23

-86.43%

Gasoline (1 liter)

$1.31 ₱82.8

$1.48 €1.32

-11.49%

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

$21.2K ₱1.3M

$27.8K €24.7K

-23.60%

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

$19.1K ₱1.2M

$38.9K €34.6K

-50.74%

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

$120 ₱7,569

$157 €140

-23.60%

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

$14.00 ₱882

$30.53 €27.15

-54.14%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$29.78 €26.49

-7.52%

Gym Membership (Monthly)

$32.33 ₱2,035

$64.8 €57.6

-50.08%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$11.12 €9.89

-49.19%

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

$275 ₱17.3K

$278 €247

-0.80%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$12.1K €10.7K

-34.36%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$56.8 €50.5

-13.14%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$69.8 €62.1

-63.84%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$113 €101

-31.92%

Men's Leather Business Shoes

$57.2 ₱3,601

$131 €116

-56.30%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$1,118 €994

-55.31%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$947 €842

-67.39%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,753 €1,559

-38.52%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,475 €1,312

-58.30%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$4,242 €3,773

-31.96%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,915 €2,593

-34.26%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.05

77.78%

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

Last update for Cebu: October 12, 2026

Last update for Xaghra: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Xaghra

$947 47.7% 207% $638

Groceries & Markets

Cebu

$206 22.4%

Xaghra

$328 16.5% 59.3% $122

Monthly Utilities & Internet

Cebu

$162 17.6%

Xaghra

$218 11% 34.6% $56

Clothing & Footwear

Cebu

$94 10.2%

Xaghra

$167 8.4% 77.5% $73

Eating Out

Cebu

$88 9.6%

Xaghra

$217 10.9% 146% $129

Sport & Entertainment

Cebu

$44 4.8%

Xaghra

$87 4.4% 99.4% $43

Getting Around

Cebu

$16 1.7%

Xaghra

$23 * 1.2% 46.6% $7.3

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 $500 in Cebu and $1,118 in Xaghra. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $88.0 in Xaghra for a mid-range dinner for two. Groceries echo the gap at $206 vs $328 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇲🇹 Xaghra

🕒 Local time

01:04 1:04 AM

19:04 7:04 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

4,100

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 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 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Euro exchange rates as of October 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Xaghra 11,050 km ≈ 14 h nonstop flight

From you

Cebu
Xaghra

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 Xaghra: 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.

You'd need roughly $1,377 in Cebu and $2,979 in Xaghra 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 $1,118 in Xaghra. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 59% higher in Xaghra. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $1,986 in Xaghra – a 116% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,986 in Xaghra, a $1,500 budget is realistic in Cebu but tight or insufficient in Xaghra. 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 Xaghra, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Xaghra 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 Xaghra. Beyond cost, consider language, visa policies, and how big the international community is in each city.