Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zaqatala

For one person, living is cheaper in Zaqatala: $347 a month against $934 in Cebu, rent and utilities included – about $7,000 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
18

Cost of Living Index in Zaqatala
Learn more

Zaqatala Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Zaqatala

🇦🇿 Azerbaijan

$347

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zaqatala

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

Monthly costs for one person with rent: $934 in Cebu versus $347 in Zaqatala.

Cebu $934
Zaqatala $347

Estimated couple costs with rent: $1,415 in Cebu versus $581 in Zaqatala.

Cebu $1,415
Zaqatala $581

Monthly costs for a family of three with rent: $1,896 in Cebu versus $815 in Zaqatala.

Cebu $1,896
Zaqatala $815

Living in Cebu is roughly 169% more expensive than in Zaqatala, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Cebu 30% lower, Zaqatala 74% lower.

Meal at Budget Restaurant

$3.03 ₱190

$4.61 ₼7.83

-34.27%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$20.76 ₼35.28

13.10%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$5.26 ₼8.94

-22.24%

Cappuccino

$2.52 ₱158

$2.33 ₼3.97

8.15%

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

$1.54 ₱96.9

$0.56 ₼0.96

175.00%

Water (0.33 liter bottle)

$0.49 ₱30.98

$0.52 ₼0.88

-5.77%

Local Beer (0.5 liter draught)

$1.79 ₱112

$1.71 ₼2.90

4.68%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$2.97 ₼5.05

-23.91%

Milk (1 liter)

$1.95 ₱122

$0.97 ₼1.66

101.03%

White Bread (500g)

$1.43 ₱89.7

$0.42 ₼0.72

240.48%

Rice (white) (1kg)

$1.02 ₱63.8

$2.28 ₼3.87

-55.26%

Eggs

$2.06 ₱129

$1.38 ₼2.35

49.28%

Local Cheese (1kg)

$9.81 ₱615

$3.62 ₼6.16

170.99%

Chicken Fillets (1kg)

$4.61 ₱289

$2.42 ₼4.11

90.50%

Beef Round Steak (1kg)

$7.70 ₱483

$8.17 ₼13.89

-5.75%

Apples (1kg)

$3.31 ₱207

$0.80 ₼1.35

313.75%

Banana (1kg)

$1.45 ₱90.9

$1.15 ₼1.96

26.09%

Oranges (1kg)

$2.36 ₱148

$0.58 ₼0.98

306.90%

Tomato (1kg)

$1.54 ₱96.4

$0.72 ₼1.23

113.89%

Potato (1kg)

$2.36 ₱148

$0.30 ₼0.51

686.67%

Onion (1kg)

$1.99 ₱125

$0.37 ₼0.63

437.84%

Lettuce (1 head)

$1.15 ₱72.1

$0.92 ₼1.57

25.00%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.60 ₼1.02

11.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$1.74 ₼2.96

72.41%

Wine (Bottle)

$6.35 ₱398

$8.97 ₼15.24

-29.21%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.15 ₼1.96

13.91%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$2.03 ₼3.45

-14.78%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$0.18 ₼0.30

38.89%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

$0.67 ₼1.13

98.51%

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

$21.8K ₱1.4M

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

$19.4K ₱1.2M

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

$121 ₱7,563

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

$14.45 ₱907

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

Gym Membership (Monthly)

$32.68 ₱2,050

$33.15 ₼56.3

-1.42%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱342

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

Men's Leather Business Shoes

$59.3 ₱3,717

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$116 ₼198

334.38%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$81.7 ₼139

278.67%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$235 ₼400

347.05%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$145 ₼246

327.78%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Cebu: October 5, 2026

Last update for Zaqatala: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Zaqatala

$82 23.5% 73.6% $228

Groceries & Markets

Cebu

$210 22.7%

Zaqatala

$133 38.3% 36.7% $77

Monthly Utilities & Internet

Cebu

$163 17.7%

Zaqatala

- * 0% 100%

Clothing & Footwear

Cebu

$95 10.2%

Zaqatala

- * 0% 100%

Eating Out

Cebu

$88 9.6%

Zaqatala

$99 28.6% 12.5% $11

Sport & Entertainment

Cebu

$44 4.7%

Zaqatala

$33 * 9.5% 24% $10

Getting Around

Cebu

$15 1.7%

Zaqatala

$0.7 * 0.2% 95.4% $15

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 $506 in Cebu and $116 in Zaqatala. Housing cost is often the main lever when comparing two cities.

Dining out: $23.00 in Cebu vs $21.00 in Zaqatala for a mid-range dinner for two. Groceries echo the gap at $210 vs $133 per month, with Zaqatala cheaper across the board.

Good to know

🇵🇭 Cebu

🇦🇿 Zaqatala

🕒 Local time

13:30 1:30 PM

09:30 9:30 AM

4 h behind Cebu

🌤 Weather

👥 Population

964,169

21,800

💱 Currency

Philippine Peso PHP ₱

Azerbaijani Manat AZN ₼

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 AZN = 0.588 USD

1 AZN = 0.525 EUR

Exchange rates and currency converter

AZN, USD, EUR 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).

Azerbaijani Manat exchange rates as of October 10, 2026: 1 USD = 1.7 AZN (1 AZN = 0.588 USD). 1 EUR = 1.91 AZN (1 AZN = 0.525 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Zaqatala 8,190 km ≈ 11 h nonstop flight

From you

Cebu
Zaqatala

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 Zaqatala: Cost of Living - Frequently Asked Questions

Zaqatala is cheaper overall, especially in groceries, clothing, and leisure. The 169% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,401 in Cebu and $520 in Zaqatala 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: $506 in Cebu versus $116 in Zaqatala. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 58% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Zaqatala – a meal for two runs $21.00 versus $23.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $800 a month, though Zaqatala gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Zaqatala 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 Zaqatala 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 Zaqatala gentler on the wallet – expenses run 169% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.