Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zatec

For one person, living is cheaper in Cebu: $918 a month against $1,230 in Zatec, rent and utilities included – about $3,700 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
60

Cost of Living Index in Zatec
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Zatec Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Zatec

🇨🇿 Czech Republic

$1,230

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zatec

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

Monthly costs for one person with rent: $918 in Cebu versus $1,230 in Zatec.

Cebu $918
Zatec $1,230

Estimated couple costs with rent: $1,409 in Cebu versus $1,888 in Zatec.

Cebu $1,409
Zatec $1,888

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,546 in Zatec.

Cebu $1,900
Zatec $2,546

Living in Cebu costs roughly 25% less than in Zatec, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Zatec 9% lower.

Meal at Budget Restaurant

$3.09 ₱194

$6.94 Kč 150

-55.48%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$18.15 Kč 392

33.44%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.23 Kč 200

-57.53%

Cappuccino

$2.51 ₱158

$3.02 Kč 65.2

-16.89%

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

$1.59 ₱100

$0.70 Kč 15.15

127.14%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.90 Kč 19.44

-41.11%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.23 Kč 48.15

-20.18%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.73 Kč 59.0

-20.51%

Milk (1 liter)

$1.92 ₱121

$0.81 Kč 17.51

137.04%

White Bread (500g)

$1.36 ₱85.4

$1.34 Kč 29.02

1.49%

Rice (white) (1kg)

$1.01 ₱63.5

$2.28 Kč 49.23

-55.70%

Eggs

$2.03 ₱128

$2.49 Kč 53.9

-18.47%

Local Cheese (1kg)

$9.86 ₱621

$5.64 Kč 122

74.82%

Chicken Fillets (1kg)

$4.39 ₱277

$5.39 Kč 116

-18.55%

Beef Round Steak (1kg)

$7.60 ₱479

$6.67 Kč 144

13.94%

Apples (1kg)

$3.30 ₱208

$1.28 Kč 27.65

157.81%

Banana (1kg)

$1.39 ₱87.8

$1.63 Kč 35.27

-14.72%

Oranges (1kg)

$2.33 ₱147

$2.13 Kč 45.98

9.39%

Tomato (1kg)

$1.50 ₱94.3

$3.26 Kč 70.5

-53.99%

Potato (1kg)

$2.36 ₱149

$0.95 Kč 20.64

148.42%

Onion (1kg)

$1.90 ₱119

$1.10 Kč 23.72

72.73%

Lettuce (1 head)

$1.19 ₱74.9

$1.61 Kč 34.71

-26.09%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.55 Kč 11.91

14.55%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.06 Kč 131

-50.50%

Wine (Bottle)

$6.03 ₱379

$5.59 Kč 121

7.87%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.89 Kč 19.33

38.20%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.70 Kč 36.68

2.94%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.34 Kč 7.26

-26.47%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$24.90 Kč 539

-49.24%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.69 Kč 58.1

-71.38%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.87 Kč 40.52

-87.70%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$16.32 Kč 353

-72.67%

Gasoline (1 liter)

$1.31 ₱82.8

$1.86 Kč 40.20

-29.57%

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

$21.2K ₱1.3M

$31.4K Kč 678.9K

-32.33%

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

$19.1K ₱1.2M

$29.9K Kč 647.6K

-36.06%

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

$120 ₱7,569

$297 Kč 6,424

-59.53%

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

$14.00 ₱882

$22.14 Kč 479

-36.77%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$18.89 Kč 409

45.79%

Gym Membership (Monthly)

$32.33 ₱2,035

$49.34 Kč 1,067

-34.48%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$18.33 Kč 396

-63.72%

Cinema Ticket

$5.65 ₱356

$12.79 Kč 277

-55.82%

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

$275 ₱17.3K

$726 Kč 15.7K

-62.08%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$11.5K Kč 249.0K

-31.22%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$85.3 Kč 1,845

-42.19%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$36.89 Kč 798

-31.58%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$46.22 Kč 1,000

66.51%

Men's Leather Business Shoes

$57.2 ₱3,601

$122 Kč 2,628

-52.94%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$351 Kč 7,589

42.35%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$323 Kč 6,991

-4.47%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,272 Kč 27.5K

-15.24%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$855 Kč 18.5K

-28.03%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$4,790 Kč 103.6K

-39.75%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$3,585 Kč 77.5K

-46.53%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,163 Kč 25.2K

-70.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.67

54.18%

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

Last update for Cebu: October 12, 2026

Last update for Zatec: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Zatec

$323 26.3% 4.7% $14

Groceries & Markets

Cebu

$206 22.4%

Zatec

$183 14.8% 11.3% $23

Monthly Utilities & Internet

Cebu

$162 17.6%

Zatec

$338 27.5% 109% $176

Clothing & Footwear

Cebu

$94 10.2%

Zatec

$130 10.6% 38.9% $37

Eating Out

Cebu

$88 9.6%

Zatec

$142 11.6% 61.3% $54

Sport & Entertainment

Cebu

$44 4.8%

Zatec

$75 6.1% 71.7% $31

Getting Around

Cebu

$16 1.7%

Zatec

$38 3.1% 146% $23

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $351 in Zatec. Housing cost is often the main lever when comparing two cities.

Zatec pays 236% 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 $18.00 in Zatec for a mid-range dinner for two. Groceries echo the gap at $206 vs $183 per month, with Zatec cheaper across the board.

Good to know

🇵🇭 Cebu

🇨🇿 Zatec

🕒 Local time

13:47 1:47 PM

07:47 7:47 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

19,522

💱 Currency

Philippine Peso PHP ₱

Czech Koruna CZK Kč

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

Exchange rates and currency converter

CZK, USD, EUR 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).

Czech Koruna exchange rates as of October 18, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Zatec 10,520 km ≈ 14 h nonstop flight

From you

Cebu
Zatec

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 Zatec: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 34% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 236% lower in Zatec. 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 $351 in Zatec. 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 $1,230 in Zatec – a 34% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 97% less than in Zatec. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Zatec, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Zatec 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 34% less than in Zatec. Beyond cost, consider language, visa policies, and how big the international community is in each city.