Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zagreb

For one person, living is cheaper in Cebu: $934 a month against $1,750 in Zagreb, rent and utilities included – about $9,800 less a year. Rent and utilities account for about half of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
85

Cost of Living Index in Zagreb
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Zagreb Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Zagreb

🇭🇷 Croatia

$1,750

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zagreb

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

Monthly costs for one person with rent: $934 in Cebu versus $1,750 in Zagreb.

Cebu $934
Zagreb $1,750

Estimated couple costs with rent: $1,415 in Cebu versus $2,611 in Zagreb.

Cebu $1,415
Zagreb $2,611

Monthly costs for a family of three with rent: $1,896 in Cebu versus $3,472 in Zagreb.

Cebu $1,896
Zagreb $3,472

Living in Cebu costs roughly 47% less than in Zagreb, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 30% below, Zagreb is 31% above.

Meal at Budget Restaurant

$3.03 ₱190

$12.46 €11.12

-75.68%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$63.1 €56.3

-62.77%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$8.30 €7.40

-50.72%

Cappuccino

$2.52 ₱158

$2.55 €2.27

-1.18%

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

$1.54 ₱96.9

$2.97 €2.65

-48.15%

Water (0.33 liter bottle)

$0.49 ₱30.98

$2.63 €2.34

-81.37%

Local Beer (0.5 liter draught)

$1.79 ₱112

$3.31 €2.95

-45.92%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$4.50 €4.02

-49.78%

Milk (1 liter)

$1.95 ₱122

$1.28 €1.14

52.34%

White Bread (500g)

$1.43 ₱89.7

$1.66 €1.48

-13.86%

Rice (white) (1kg)

$1.02 ₱63.8

$2.70 €2.41

-62.22%

Eggs

$2.06 ₱129

$4.00 €3.57

-48.50%

Local Cheese (1kg)

$9.81 ₱615

$15.17 €13.54

-35.33%

Chicken Fillets (1kg)

$4.61 ₱289

$12.00 €10.71

-61.58%

Beef Round Steak (1kg)

$7.70 ₱483

$17.64 €15.74

-56.35%

Apples (1kg)

$3.31 ₱207

$2.31 €2.06

43.29%

Banana (1kg)

$1.45 ₱90.9

$1.72 €1.53

-15.70%

Oranges (1kg)

$2.36 ₱148

$2.07 €1.85

14.01%

Tomato (1kg)

$1.54 ₱96.4

$2.50 €2.23

-38.40%

Potato (1kg)

$2.36 ₱148

$1.35 €1.21

74.81%

Onion (1kg)

$1.99 ₱125

$1.18 €1.06

68.64%

Lettuce (1 head)

$1.15 ₱72.1

$1.18 €1.05

-2.54%

Water (1.5 liter bottle)

$0.67 ₱42.15

$1.35 €1.20

-50.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$5.91 €5.27

-49.24%

Wine (Bottle)

$6.35 ₱398

$10.20 €9.10

-37.75%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.64 €1.46

-20.12%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$2.57 €2.29

-32.68%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.61 €0.54

-59.02%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$53.3 €47.57

-76.27%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$2.22 €1.98

-66.67%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$1.43 €1.28

-85.31%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$12.01 €10.72

-63.95%

Gasoline (1 liter)

$1.33 ₱83.5

$1.85 €1.65

-28.11%

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

$21.8K ₱1.4M

$28.4K €25.4K

-23.48%

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

$19.4K ₱1.2M

$27.5K €24.6K

-29.54%

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

$121 ₱7,563

$218 €195

-44.78%

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

$14.45 ₱907

$23.68 €21.13

-38.98%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$41.14 €36.71

-31.23%

Gym Membership (Monthly)

$32.68 ₱2,050

$50.2 €44.75

-34.84%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$18.69 €16.68

-65.81%

Cinema Ticket

$5.46 ₱342

$8.76 €7.82

-37.67%

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

$273 ₱17.1K

$489 €436

-44.09%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$10.0K €8,926

-18.46%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$106 €95.0

-53.42%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$42.58 €38.00

-41.59%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$96.2 €85.9

-20.42%

Men's Leather Business Shoes

$59.3 ₱3,717

$108 €96.5

-45.19%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$861 €768

-41.26%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$652 €582

-52.57%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$1,459 €1,302

-27.90%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$1,038 €926

-40.37%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$5,152 €4,598

-43.41%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$3,551 €3,169

-47.42%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$1,984 €1,771

-82.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.3

118.18%

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

Last update for Cebu: October 5, 2026

Last update for Zagreb: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Zagreb

$652 37.3% 111% $343

Groceries & Markets

Cebu

$210 22.7%

Zagreb

$318 18.2% 51.3% $108

Monthly Utilities & Internet

Cebu

$163 17.7%

Zagreb

$283 16.2% 73.4% $120

Clothing & Footwear

Cebu

$95 10.2%

Zagreb

$159 9.1% 68% $64

Eating Out

Cebu

$88 9.6%

Zagreb

$203 11.6% 130% $115

Sport & Entertainment

Cebu

$44 4.7%

Zagreb

$68 3.9% 55.2% $24

Getting Around

Cebu

$15 1.7%

Zagreb

$65 3.7% 322% $50

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $861 in Zagreb. Housing cost is often the main lever when comparing two cities.

Zagreb pays 482% 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 Zagreb for a mid-range dinner for two. Groceries echo the gap at $210 vs $318 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇭🇷 Zagreb

🕒 Local time

16:23 4:23 PM

10:23 10:23 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

767,131 Capital

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 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 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to PHP in detail →

On the map

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Between locations

Cebu Zagreb 10,540 km ≈ 14 h nonstop flight

From you

Cebu
Zagreb

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 Zagreb: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 87% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 482% lower in Zagreb. 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 $861 in Zagreb. 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 $1,750 in Zagreb – a 87% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 321% less than in Zagreb. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,750 in Zagreb, a $1,500 budget is realistic in Cebu but tight or insufficient in Zagreb. 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 Zagreb, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Zagreb 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 87% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.