Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zabbar

For one person, living is cheaper in Cebu: $918 a month against $1,847 in Zabbar, rent and utilities included – about $11,100 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
89

Cost of Living Index in Zabbar
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Zabbar Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Zabbar

🇲🇹 Malta

$1,847

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zabbar

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

Monthly costs for one person with rent: $918 in Cebu versus $1,847 in Zabbar.

Cebu $918
Zabbar $1,847

Estimated couple costs with rent: $1,409 in Cebu versus $2,659 in Zabbar.

Cebu $1,409
Zabbar $2,659

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,472 in Zabbar.

Cebu $1,900
Zabbar $3,472

Living in Cebu costs roughly 50% less than in Zabbar, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Zabbar is 37% above.

Meal at Budget Restaurant

$3.09 ₱194

$17.06 €15.18

-81.89%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$38.38 €34.14

-36.89%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.66 €6.81

-48.83%

Cappuccino

$2.51 ₱158

$2.68 €2.39

-6.34%

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

$1.59 ₱100

$2.28 €2.03

-30.26%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.70 €0.62

-24.29%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.26 €2.01

-21.24%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.42 €3.93

-50.90%

Milk (1 liter)

$1.92 ₱121

$1.15 €1.02

66.96%

White Bread (500g)

$1.36 ₱85.4

$0.57 €0.51

138.60%

Rice (white) (1kg)

$1.01 ₱63.5

$1.14 €1.01

-11.40%

Eggs

$2.03 ₱128

$3.91 €3.48

-48.08%

Local Cheese (1kg)

$9.86 ₱621

$5.69 €5.06

73.29%

Chicken Fillets (1kg)

$4.39 ₱277

$4.37 €3.89

0.46%

Beef Round Steak (1kg)

$7.60 ₱479

$10.08 €8.96

-24.60%

Apples (1kg)

$3.30 ₱208

$4.27 €3.80

-22.72%

Banana (1kg)

$1.39 ₱87.8

$2.73 €2.43

-49.08%

Oranges (1kg)

$2.33 ₱147

$3.55 €3.16

-34.37%

Tomato (1kg)

$1.50 ₱94.3

$3.38 €3.01

-55.62%

Potato (1kg)

$2.36 ₱149

$2.53 €2.25

-6.72%

Onion (1kg)

$1.90 ₱119

$1.97 €1.75

-3.55%

Lettuce (1 head)

$1.19 ₱74.9

$2.21 €1.97

-46.15%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.14 €1.02

-44.74%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.52 €5.80

-53.99%

Wine (Bottle)

$6.03 ₱379

$7.94 €7.07

-24.06%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.68 €1.50

-26.79%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.40 €2.13

-27.08%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$2.52 €2.25

-90.08%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$16.81 €14.95

-24.81%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$5.39 €4.79

-85.71%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$2.22 €1.97

-89.64%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$26.49 €23.57

-83.16%

Gasoline (1 liter)

$1.31 ₱82.8

$1.52 €1.35

-13.82%

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

$21.2K ₱1.3M

$37.1K €33.0K

-42.74%

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

$19.1K ₱1.2M

$38.7K €34.4K

-50.51%

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

$120 ₱7,569

$103 €91.9

16.37%

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

$14.00 ₱882

$25.52 €22.70

-45.14%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$42.11 €37.46

-34.60%

Gym Membership (Monthly)

$32.33 ₱2,035

$62.2 €55.3

-47.99%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$11.03 €9.81

-39.71%

Cinema Ticket

$5.65 ₱356

$10.17 €9.05

-44.44%

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

$275 ₱17.3K

$359 €320

-23.40%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$2,249 €2,001

252.00%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$86.6 €77.0

-43.02%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$41.20 €36.65

-38.74%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$97.6 €86.8

-21.16%

Men's Leather Business Shoes

$57.2 ₱3,601

$78.8 €70.1

-27.43%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$1,121 €997

-55.43%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$951 €846

-67.51%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,788 €1,590

-39.71%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,488 €1,324

-58.66%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$4,086 €3,635

-29.37%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$4,051 €3,603

-52.68%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,131 €1,006

-69.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.9

148.28%

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

Last update for Cebu: October 12, 2026

Last update for Zabbar: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Zabbar

$951 51.5% 208% $642

Groceries & Markets

Cebu

$206 22.4%

Zabbar

$239 12.9% 15.9% $33

Monthly Utilities & Internet

Cebu

$162 17.6%

Zabbar

$171 9.3% 5.7% $9.2

Clothing & Footwear

Cebu

$94 10.2%

Zabbar

$137 7.4% 45.7% $43

Eating Out

Cebu

$88 9.6%

Zabbar

$224 12.1% 154% $136

Sport & Entertainment

Cebu

$44 4.8%

Zabbar

$83 4.5% 89.1% $39

Getting Around

Cebu

$16 1.7%

Zabbar

$43 2.4% 179% $28

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $1,121 in Zabbar. Housing cost is often the main lever when comparing two cities.

Zabbar pays 227% 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: $24.00 in Cebu vs $38.00 in Zabbar for a mid-range dinner for two. Groceries echo the gap at $206 vs $239 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇲🇹 Zabbar

🕒 Local time

00:44 12:44 AM

18:44 6:44 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

15,404

💱 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 18, 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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

Lowest

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Between locations

Cebu Zabbar 11,030 km ≈ 14 h nonstop flight

From you

Cebu
Zabbar

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 Zabbar: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 101% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 227% lower in Zabbar. 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: $500 in Cebu versus $1,121 in Zabbar. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $1,847 in Zabbar – a 101% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 33% less than in Zabbar. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,847 in Zabbar, a $1,500 budget is realistic in Cebu but tight or insufficient in Zabbar. 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 Zabbar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Zabbar 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 101% less than in Zabbar. Beyond cost, consider language, visa policies, and how big the international community is in each city.