Last update: Oct 2026

Cost of Living Comparison Between Cebu and Yamba NSW

For one person, living is cheaper in Cebu: $934 a month against $2,331 in Yamba NSW, rent and utilities included – about $16,800 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
120

Cost of Living Index in Yamba NSW
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Yamba NSW Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Yamba NSW

🇦🇺 Australia

$2,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Yamba NSW

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

Monthly costs for one person with rent: $934 in Cebu versus $2,331 in Yamba NSW.

Cebu $934
Yamba NSW $2,331

Estimated couple costs with rent: $1,423 in Cebu versus $3,399 in Yamba NSW.

Cebu $1,423
Yamba NSW $3,399

Monthly costs for a family of three with rent: $1,913 in Cebu versus $4,466 in Yamba NSW.

Cebu $1,913
Yamba NSW $4,466

Living in Cebu costs roughly 60% less than in Yamba NSW, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 31% below, Yamba NSW is 71% above.

Meal at Budget Restaurant

$3.79 ₱243

$17.85 A$25.28

-78.77%

Three-Course Dinner for Two, Mid-Range

$23.33 ₱1,493

$50.9 A$72.0

-54.13%

Fast Food Meal (McDonalds, etc)

$3.94 ₱252

$11.11 A$15.73

-64.54%

Cappuccino

$2.54 ₱163

$4.52 A$6.40

-43.81%

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

$1.57 ₱100

$2.44 A$3.46

-35.66%

Water (0.33 liter bottle)

$0.47 ₱29.87

$2.05 A$2.90

-77.07%

Local Beer (0.5 liter draught)

$1.77 ₱113

$7.90 A$11.19

-77.59%

Imported Beer (0.33 liter bottle)

$2.22 ₱142

$6.96 A$9.86

-68.10%

Milk (1 liter)

$1.90 ₱121

$1.62 A$2.30

17.28%

White Bread (500g)

$1.36 ₱87.3

$2.68 A$3.79

-49.25%

Rice (white) (1kg)

$0.94 ₱59.9

$2.25 A$3.19

-58.22%

Eggs

$1.99 ₱127

$4.90 A$6.94

-59.39%

Local Cheese (1kg)

$9.70 ₱621

$9.25 A$13.10

4.86%

Chicken Fillets (1kg)

$4.32 ₱277

$9.10 A$12.89

-52.53%

Beef Round Steak (1kg)

$7.51 ₱481

$14.23 A$20.16

-47.22%

Apples (1kg)

$3.31 ₱212

$4.34 A$6.14

-23.73%

Banana (1kg)

$1.37 ₱87.6

$3.17 A$4.50

-56.78%

Oranges (1kg)

$2.34 ₱150

$3.02 A$4.28

-22.52%

Tomato (1kg)

$1.49 ₱95.5

$4.82 A$6.82

-69.09%

Potato (1kg)

$2.30 ₱147

$2.87 A$4.06

-19.86%

Onion (1kg)

$1.87 ₱120

$2.34 A$3.32

-20.09%

Lettuce (1 head)

$1.10 ₱70.5

$2.33 A$3.30

-52.79%

Water (1.5 liter bottle)

$0.63 ₱40.42

$1.24 A$1.75

-49.19%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱183

$38.44 A$54.5

-92.56%

Wine (Bottle)

$6.08 ₱389

$12.66 A$17.93

-51.97%

Local Beer (0.5 liter bottle)

$1.27 ₱81.6

$5.30 A$7.50

-76.04%

Imported Beer (0.33 liter bottle)

$1.72 ₱110

$4.92 A$6.97

-65.04%

One-way Ticket (Public Transport)

$0.22 ₱14.01

$2.74 A$3.88

-91.97%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱790

$73.1 A$104

-83.13%

Taxi Start (Normal Tariff)

$0.74 ₱47.61

$3.09 A$4.38

-76.05%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.11

$1.87 A$2.65

-88.24%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₱274

$41.70 A$59.1

-89.74%

Gasoline (1 liter)

$1.31 ₱83.8

$1.41 A$1.99

-7.09%

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

$20.8K ₱1.3M

$29.8K A$42.2K

-30.34%

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

$19.0K ₱1.2M

$25.5K A$36.1K

-25.36%

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

$118 ₱7,577

$162 A$230

-27.12%

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

$15.76 ₱1,009

$26.59 A$37.67

-40.73%

Internet (50+ Mbps, Unlimited Data)

$28.33 ₱1,813

$60.3 A$85.4

-53.03%

Gym Membership (Monthly)

$32.94 ₱2,108

$58.0 A$82.2

-43.23%

Tennis Court (1 Hour on Weekend)

$6.49 ₱415

$19.49 A$27.61

-66.70%

Cinema Ticket

$5.45 ₱349

$14.27 A$20.21

-61.81%

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

$276 ₱17.6K

$1,974 A$2,796

-86.03%

International Primary School, 1 Child (Yearly)

$7,789 ₱498.5K

$12.8K A$18.2K

-39.29%

Jeans (Levis 501 Or Similar)

$48.18 ₱3,083

$84.8 A$120

-43.19%

Summer Dress (H&M, Zara, etc)

$24.47 ₱1,566

$44.72 A$63.4

-45.28%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,818

$111 A$158

-32.34%

Men's Leather Business Shoes

$58.0 ₱3,713

$110 A$156

-47.26%

1-bedroom Apartment, City Center (Monthly)

$477 ₱30.5K

$1,424 A$2,017

-66.47%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.6K

$1,076 A$1,524

-70.10%

3-bedroom Apartment, City Center (Monthly)

$963 ₱61.6K

$2,037 A$2,886

-52.72%

3-bedroom Apartment, Outside City Center (Monthly)

$626 ₱40.0K

$1,765 A$2,500

-64.54%

Buy Apartment in City Center (m2)

$4,551 ₱291.3K

$5,125 A$7,260

-11.20%

Buy Apartment Outside City Center (m2)

$3,028 ₱193.8K

$5,432 A$7,695

-44.25%

Average Monthly Net Salary (After Tax)

$333 ₱21.3K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

5.81

23.92%

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

Last update for Cebu: October 26, 2026

Last update for Yamba NSW: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.5%

Yamba NSW

$1.1K 46.2% 234% $754

Groceries & Markets

Cebu

$204 21.8%

Yamba NSW

$363 15.6% 78.4% $160

Monthly Utilities & Internet

Cebu

$163 17.4%

Yamba NSW

$249 10.7% 53.5% $87

Eating Out

Cebu

$94 10.1%

Yamba NSW

$302 12.9% 221% $208

Clothing & Footwear

Cebu

$93 9.9%

Yamba NSW

$158 6.8% 70.3% $65

Sport & Entertainment

Cebu

$44 4.7%

Yamba NSW

$87 3.7% 97.4% $43

Getting Around

Cebu

$15 1.6%

Yamba NSW

$97 4.1% 541% $81

Cost Breakdown

A one-bedroom apartment in the center runs $477 in Cebu and $1,424 in Yamba NSW. Housing cost is often the main lever when comparing two cities.

Dining out: $23 in Cebu vs $51 in Yamba NSW for a mid-range dinner for two. Groceries echo the gap at $204 vs $363 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇦🇺 Yamba NSW

🕒 Local time

18:03 6:03 PM

21:03 9:03 PM

3 h ahead of Cebu

🌤 Weather

👥 Population

964,169

6,913

💱 Currency

Philippine Peso PHP ₱

Australian Dollar AUD $

📈 Exchange rate

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

1 AUD = 0.706 USD

1 AUD = 0.633 EUR

Exchange rates and currency converter

AUD, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.41 PHP (100 PHP = 1.4 EUR).

Australian Dollar exchange rates as of October 29, 2026: 1 USD = 1.42 AUD (1 AUD = 0.706 USD). 1 EUR = 1.58 AUD (1 AUD = 0.633 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Yamba NSW 5,430 km ≈ 7 h nonstop flight

From you

Cebu
Yamba NSW

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 Yamba NSW: Cost of Living - Frequently Asked Questions

Cebu is about 60% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $1,401 in Cebu and $3,497 in Yamba NSW 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: $477 in Cebu versus $1,424 in Yamba NSW. 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 $2,331 in Yamba NSW – Cebu is about 60% cheaper, which adds up to real savings over time.

A monthly transit pass in Cebu runs roughly 83% less than in Yamba NSW. The price difference matters if you commute daily and watch your budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Cebu and Yamba NSW are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Cebu gentler on the wallet – expenses run 60% less than in Yamba NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.