Last update: Oct 2026

Cost of Living Comparison Between Cergy and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,666 in Cergy, rent and utilities included – about $9,000 less a year. Rent and utilities account for about half of the difference.

81

Cost of Living Index in Cergy
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Cergy Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Cergy

🇫🇷 France

$1,666

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

How much you'll spend in Cergy and in Cebu

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cergy and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,666 in Cergy versus $918 in Cebu.

Cergy $1,666
Cebu $918

Estimated couple costs with rent: $2,536 in Cergy versus $1,409 in Cebu.

Cergy $2,536
Cebu $1,409

Monthly costs for a family of three with rent: $3,405 in Cergy versus $1,900 in Cebu.

Cergy $3,405
Cebu $1,900

Living in Cergy is roughly 81% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Cergy is 23% above, Cebu is 32% below.

Meal at Budget Restaurant

$8.87 €7.89

$3.09 ₱194

187.06%

Three-Course Dinner for Two, Mid-Range

$49.28 €43.83

$24.22 ₱1,525

103.47%

Fast Food Meal (McDonalds, etc)

$9.05 €8.05

$3.92 ₱247

130.87%

Cappuccino

$2.81 €2.50

$2.51 ₱158

11.95%

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

$1.30 €1.16

$1.59 ₱100

-18.24%

Water (0.33 liter bottle)

$1.74 €1.55

$0.53 ₱33.43

228.30%

Local Beer (0.5 liter draught)

$5.16 €4.59

$1.78 ₱112

189.89%

Imported Beer (0.33 liter bottle)

$5.49 €4.88

$2.17 ₱137

153.00%

Milk (1 liter)

$1.24 €1.11

$1.92 ₱121

-35.42%

White Bread (500g)

$1.88 €1.67

$1.36 ₱85.4

38.24%

Rice (white) (1kg)

$2.83 €2.51

$1.01 ₱63.5

180.20%

Eggs

$4.04 €3.60

$2.03 ₱128

99.01%

Local Cheese (1kg)

$21.87 €19.45

$9.86 ₱621

121.81%

Chicken Fillets (1kg)

$10.42 €9.27

$4.39 ₱277

137.36%

Beef Round Steak (1kg)

$23.27 €20.70

$7.60 ₱479

206.18%

Apples (1kg)

$3.43 €3.05

$3.30 ₱208

3.94%

Banana (1kg)

$2.09 €1.86

$1.39 ₱87.8

50.36%

Oranges (1kg)

$2.21 €1.96

$2.33 ₱147

-5.15%

Tomato (1kg)

$2.16 €1.92

$1.50 ₱94.3

44.00%

Potato (1kg)

$1.91 €1.70

$2.36 ₱149

-19.07%

Onion (1kg)

$2.03 €1.80

$1.90 ₱119

6.84%

Lettuce (1 head)

$1.78 €1.58

$1.19 ₱74.9

49.58%

Water (1.5 liter bottle)

$0.68 €0.61

$0.63 ₱39.71

7.94%

Cigarettes 20 Pack (Marlboro, Camel)

$13.07 €11.63

$3.00 ₱189

335.67%

Wine (Bottle)

$8.45 €7.51

$6.03 ₱379

40.13%

Local Beer (0.5 liter bottle)

$2.40 €2.14

$1.23 ₱77.7

95.12%

Imported Beer (0.33 liter bottle)

$4.31 €3.84

$1.75 ₱110

146.29%

One-way Ticket (Public Transport)

$1.87 €1.66

$0.25 ₱15.86

648.00%

Public Transport Monthly Pass (Regular Price)

$48.29 €42.95

$12.64 ₱796

282.04%

Taxi Start (Normal Tariff)

$2.24 €1.99

$0.77 ₱48.62

190.91%

Taxi (Normal Tariff) (1km)

$2.14 €1.90

$0.23 ₱14.53

830.43%

Taxi 1hour Waiting (Normal Tariff)

$24.55 €21.84

$4.46 ₱281

450.45%

Gasoline (1 liter)

$1.95 €1.73

$1.31 ₱82.8

48.85%

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

$33.9K €30.1K

$21.2K ₱1.3M

59.55%

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

$35.2K €31.3K

$19.1K ₱1.2M

84.04%

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

$206 €183

$120 ₱7,569

70.97%

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

$15.07 €13.41

$14.00 ₱882

7.64%

Internet (50+ Mbps, Unlimited Data)

$22.38 €19.91

$27.54 ₱1,734

-18.74%

Gym Membership (Monthly)

$35.13 €31.25

$32.33 ₱2,035

8.66%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$14.22 €12.65

$5.65 ₱356

151.68%

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

$625 €556

$275 ₱17.3K

126.91%

International Primary School, 1 Child (Yearly)

$8,211 €7,304

$7,918 ₱498.5K

3.70%

Jeans (Levis 501 Or Similar)

$88.2 €78.4

$49.33 ₱3,106

78.76%

Summer Dress (H&M, Zara, etc)

$40.58 €36.09

$25.24 ₱1,589

60.78%

Sport Shoes (Adidas, Nike)

$99.8 €88.8

$77.0 ₱4,846

29.66%

Men's Leather Business Shoes

$104 €92.1

$57.2 ₱3,601

81.03%

1-bedroom Apartment, City Center (Monthly)

$742 €660

$500 ₱31.5K

48.51%

1-bedroom Apartment, Outside City Center (Monthly)

$602 €535

$309 ₱19.4K

94.88%

3-bedroom Apartment, City Center (Monthly)

$1,384 €1,231

$1,078 ₱67.9K

28.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,104 €982

$615 ₱38.7K

79.37%

Buy Apartment in City Center (m2)

$3,853 €3,427

$2,886 ₱181.7K

33.50%

Buy Apartment Outside City Center (m2)

$3,001 €2,669

$1,917 ₱120.7K

56.58%

Average Monthly Net Salary (After Tax)

$2,624 €2,334

$346 ₱21.8K

658.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.5

7.2

-51.39%

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

Last update for Cergy: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cergy

$602 36.1%

Cebu

$309 33.6% 48.7% $293

Groceries & Markets

Cergy

$358 21.5%

Cebu

$206 22.4% 42.5% $152

Monthly Utilities & Internet

Cergy

$243 14.6%

Cebu

$162 17.6% 33.4% $81

Eating Out

Cergy

$181 10.9%

Cebu

$88 9.6% 51.2% $93

Clothing & Footwear

Cergy

$149 9%

Cebu

$94 10.2% 37.1% $56

Getting Around

Cergy

$69 4.1%

Cebu

$16 1.7% 77.3% $53

Sport & Entertainment

Cergy

$64 3.8%

Cebu

$44 4.8% 31.4% $20

Cost Breakdown

A one-bedroom apartment in the center runs $742 in Cergy and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Cergy pays 659% 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: $49.00 in Cergy vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $358 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇫🇷 Cergy

🇵🇭 Cebu

🕒 Local time

18:24 6:24 PM

00:24 12:24 AM

6 h ahead of Cergy

🌤 Weather

👥 Population

68,348

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

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Between locations

Cergy Cebu 11,330 km ≈ 15 h nonstop flight

From you

Cergy
Cebu

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

Cergy vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 81% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 659% higher in Cergy, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $742 in Cergy versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,666 per month in Cergy versus $918 in Cebu – a 81% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 282% less than in Cergy. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,666 in Cergy, a $1,500 budget is realistic in Cebu but tight or insufficient in Cergy. 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 Cergy, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cergy and Cebu 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 81% less than in Cergy. Beyond cost, consider language, visa policies, and how big the international community is in each city.