Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zgharta

For one person, living is cheaper in Cebu: $918 a month against $1,002 in Zgharta, rent and utilities included – about $1,000 less a year. The total is higher in Zgharta despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
49

Cost of Living Index in Zgharta
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Zgharta Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Zgharta

🇱🇧 Lebanon

$1,002

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zgharta

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

Monthly costs for one person with rent: $918 in Cebu versus $1,002 in Zgharta.

Cebu $918
Zgharta $1,002

Estimated couple costs with rent: $1,409 in Cebu versus $1,605 in Zgharta.

Cebu $1,409
Zgharta $1,605

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,208 in Zgharta.

Cebu $1,900
Zgharta $2,208

Living in Cebu costs roughly 8% less than in Zgharta, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Zgharta 26% lower.

Meal at Budget Restaurant

$3.09 ₱194

$11.76 LBP 1.1M

-73.72%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$69.5 LBP 6.2M

-65.13%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.90 LBP 885.6K

-60.40%

Cappuccino

$2.51 ₱158

$4.66 LBP 417.0K

-46.14%

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

$1.59 ₱100

$2.31 LBP 206.7K

-31.17%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.91 LBP 81.2K

-41.76%

Local Beer (0.5 liter draught)

$1.78 ₱112

$5.09 LBP 456.0K

-65.03%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.64 LBP 415.4K

-53.23%

Milk (1 liter)

$1.92 ₱121

$2.00 LBP 179.3K

-4.00%

White Bread (500g)

$1.36 ₱85.4

$0.91 LBP 81.1K

49.45%

Rice (white) (1kg)

$1.01 ₱63.5

$2.26 LBP 202.2K

-55.31%

Eggs

$2.03 ₱128

$3.60 LBP 322.5K

-43.61%

Local Cheese (1kg)

$9.86 ₱621

$11.20 LBP 1.0M

-11.96%

Chicken Fillets (1kg)

$4.39 ₱277

$10.47 LBP 937.4K

-58.07%

Beef Round Steak (1kg)

$7.60 ₱479

$14.77 LBP 1.3M

-48.54%

Apples (1kg)

$3.30 ₱208

$3.09 LBP 276.2K

6.80%

Banana (1kg)

$1.39 ₱87.8

$1.71 LBP 152.9K

-18.71%

Oranges (1kg)

$2.33 ₱147

$1.63 LBP 145.5K

42.94%

Tomato (1kg)

$1.50 ₱94.3

$1.46 LBP 130.8K

2.74%

Potato (1kg)

$2.36 ₱149

$1.20 LBP 107.6K

96.67%

Onion (1kg)

$1.90 ₱119

$1.62 LBP 144.6K

17.28%

Lettuce (1 head)

$1.19 ₱74.9

$1.16 LBP 103.9K

2.59%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.71 LBP 63.7K

-11.27%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$2.92 LBP 261.4K

2.74%

Wine (Bottle)

$6.03 ₱379

$11.16 LBP 998.9K

-45.97%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.28 LBP 114.2K

-3.91%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.57 LBP 230.1K

-31.91%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$4.89 LBP 437.8K

-84.25%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$2.27 LBP 202.8K

-89.87%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$22.53 LBP 2.0M

-80.20%

Gasoline (1 liter)

$1.31 ₱82.8

$1.04 LBP 93.3K

25.96%

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

$21.2K ₱1.3M

$54.0K LBP 4.8B

-60.63%

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

$19.1K ₱1.2M

$32.7K LBP 2.9B

-41.38%

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

$120 ₱7,569

$234 LBP 20.9M

-48.63%

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

$14.00 ₱882

$22.49 LBP 2.0M

-37.75%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$37.90 LBP 3.4M

-27.34%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$9.86 LBP 882.2K

-42.70%

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

$275 ₱17.3K

$679 LBP 60.8M

-59.44%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$10.5K LBP 937.2M

-24.38%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$66.6 LBP 6.0M

-25.91%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$49.64 LBP 4.4M

-49.15%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$138 LBP 12.4M

-44.27%

Men's Leather Business Shoes

$57.2 ₱3,601

$119 LBP 10.6M

-51.75%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-34.55%

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

Last update for Cebu: October 12, 2026

Last update for Zgharta: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Zgharta

- * 0% 100%

Groceries & Markets

Cebu

$206 22.4%

Zgharta

$276 27.6% 34.2% $70

Monthly Utilities & Internet

Cebu

$162 17.6%

Zgharta

$294 29.4% 82% $133

Clothing & Footwear

Cebu

$94 10.2%

Zgharta

$168 16.8% 78.6% $74

Eating Out

Cebu

$88 9.6%

Zgharta

$227 22.7% 158% $139

Sport & Entertainment

Cebu

$44 4.8%

Zgharta

$20 * 2% 54.8% $24

Getting Around

Cebu

$16 1.7%

Zgharta

$16 * 1.6% 4.2% $0.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $24.00 in Cebu vs $69.0 in Zgharta for a mid-range dinner for two. Groceries echo the gap at $206 vs $276 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇱🇧 Zgharta

🕒 Local time

11:59 11:59 AM

06:59 6:59 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

💱 Currency

Philippine Peso PHP ₱

Lebanese Pound LBP ل.ل

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1,000,000 LBP = 11.17 USD

1,000,000 LBP = 9.94 EUR

Exchange rates and currency converter

LBP, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Lebanese Pound exchange rates as of October 19, 2026: 1 USD = 89,500 LBP (100,000 LBP = 1.12 USD). 1 EUR = 100,618 LBP (1,000,000 LBP = 9.94 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Zgharta 9,180 km ≈ 12 h nonstop flight

From you

Cebu
Zgharta

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 Zgharta: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 9% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $1,503 in Zgharta 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.

Supermarket bills run roughly 34% higher in Zgharta. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $918 per month in Cebu versus $1,002 in Zgharta – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

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 Zgharta, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Zgharta 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 9% less than in Zgharta. Beyond cost, consider language, visa policies, and how big the international community is in each city.