Last update: Oct 2026

Cost of Living Comparison Between Cetinje and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,044 in Cetinje, rent and utilities included – about $1,500 less a year. The total is higher in Cetinje despite lower rent and utilities.

51

Cost of Living Index in Cetinje
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Cetinje Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Cetinje

🇲🇪 Montenegro

$1,044

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

How much you'll spend in Cetinje 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 Cetinje and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,044 in Cetinje versus $918 in Cebu.

Cetinje $1,044
Cebu $918

Estimated couple costs with rent: $1,599 in Cetinje versus $1,409 in Cebu.

Cetinje $1,599
Cebu $1,409

Monthly costs for a family of three with rent: $2,153 in Cetinje versus $1,900 in Cebu.

Cetinje $2,153
Cebu $1,900

Living in Cetinje is roughly 14% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cetinje 23% lower, Cebu 32% lower.

Meal at Budget Restaurant

$11.11 €9.88

$3.09 ₱194

259.55%

Three-Course Dinner for Two, Mid-Range

$36.32 €32.31

$24.22 ₱1,525

49.96%

Fast Food Meal (McDonalds, etc)

$8.79 €7.82

$3.92 ₱247

124.23%

Cappuccino

$2.55 €2.26

$2.51 ₱158

1.59%

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

$2.23 €1.98

$1.59 ₱100

40.25%

Water (0.33 liter bottle)

$1.46 €1.30

$0.53 ₱33.43

175.47%

Local Beer (0.5 liter draught)

$2.86 €2.54

$1.78 ₱112

60.67%

Imported Beer (0.33 liter bottle)

$3.31 €2.95

$2.17 ₱137

52.53%

Milk (1 liter)

$1.26 €1.12

$1.92 ₱121

-34.37%

White Bread (500g)

$1.01 €0.90

$1.36 ₱85.4

-25.74%

Rice (white) (1kg)

$2.26 €2.01

$1.01 ₱63.5

123.76%

Eggs

$3.07 €2.73

$2.03 ₱128

51.23%

Local Cheese (1kg)

$8.86 €7.88

$9.86 ₱621

-10.14%

Chicken Fillets (1kg)

$7.22 €6.42

$4.39 ₱277

64.46%

Beef Round Steak (1kg)

$12.24 €10.89

$7.60 ₱479

61.05%

Apples (1kg)

$1.34 €1.19

$3.30 ₱208

-59.39%

Banana (1kg)

$1.75 €1.56

$1.39 ₱87.8

25.90%

Oranges (1kg)

$1.54 €1.37

$2.33 ₱147

-33.91%

Tomato (1kg)

$2.86 €2.55

$1.50 ₱94.3

90.67%

Potato (1kg)

$0.88 €0.78

$2.36 ₱149

-62.71%

Onion (1kg)

$1.09 €0.97

$1.90 ₱119

-42.63%

Lettuce (1 head)

$1.64 €1.45

$1.19 ₱74.9

37.82%

Water (1.5 liter bottle)

$0.88 €0.78

$0.63 ₱39.71

39.68%

Cigarettes 20 Pack (Marlboro, Camel)

$3.81 €3.39

$3.00 ₱189

27.00%

Wine (Bottle)

$5.54 €4.93

$6.03 ₱379

-8.13%

Local Beer (0.5 liter bottle)

$1.10 €0.98

$1.23 ₱77.7

-10.57%

Imported Beer (0.33 liter bottle)

$1.66 €1.48

$1.75 ₱110

-5.14%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$2.17 €1.93

$0.77 ₱48.62

181.82%

Taxi (Normal Tariff) (1km)

$1.10 €0.97

$0.23 ₱14.53

378.26%

Taxi 1hour Waiting (Normal Tariff)

$16.46 €14.64

$4.46 ₱281

269.06%

Gasoline (1 liter)

$1.70 €1.51

$1.31 ₱82.8

29.77%

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

$29.2K €25.9K

$21.2K ₱1.3M

37.22%

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

$21.1K €18.8K

$19.1K ₱1.2M

10.26%

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

$136 €121

$120 ₱7,569

13.07%

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

$13.01 €11.57

$14.00 ₱882

-7.07%

Internet (50+ Mbps, Unlimited Data)

$33.07 €29.41

$27.54 ₱1,734

20.08%

Gym Membership (Monthly)

$39.33 €34.99

$32.33 ₱2,035

21.65%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$3.84 €3.41

$5.65 ₱356

-32.04%

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

$392 €349

$275 ₱17.3K

42.34%

International Primary School, 1 Child (Yearly)

$7,046 €6,268

$7,918 ₱498.5K

-11.01%

Jeans (Levis 501 Or Similar)

$83.0 €73.8

$49.33 ₱3,106

68.17%

Summer Dress (H&M, Zara, etc)

$33.11 €29.45

$25.24 ₱1,589

31.18%

Sport Shoes (Adidas, Nike)

$73.3 €65.2

$77.0 ₱4,846

-4.72%

Men's Leather Business Shoes

$95.1 €84.6

$57.2 ₱3,601

66.24%

1-bedroom Apartment, City Center (Monthly)

$425 €378

$500 ₱31.5K

-14.93%

1-bedroom Apartment, Outside City Center (Monthly)

$275 €245

$309 ₱19.4K

-10.93%

3-bedroom Apartment, City Center (Monthly)

$570 €507

$1,078 ₱67.9K

-47.11%

3-bedroom Apartment, Outside City Center (Monthly)

$497 €442

$615 ₱38.7K

-19.28%

Buy Apartment in City Center (m2)

$1,696 €1,508

$2,886 ₱181.7K

-41.25%

Buy Apartment Outside City Center (m2)

$1,012 €900

$1,917 ₱120.7K

-47.21%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-30.56%

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

Last update for Cetinje: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cetinje

$275 26.4%

Cebu

$309 33.6% 12.3% $34

Groceries & Markets

Cetinje

$223 21.4%

Cebu

$206 22.4% 7.6% $17

Monthly Utilities & Internet

Cetinje

$182 17.4%

Cebu

$162 17.6% 11.1% $20

Eating Out

Cetinje

$181 17.4%

Cebu

$88 9.6% 51.4% $93

Clothing & Footwear

Cetinje

$128 12.3%

Cebu

$94 10.2% 26.6% $34

Sport & Entertainment

Cetinje

$47 4.5%

Cebu

$44 4.8% 7.2% $3.4

Getting Around

Cetinje

$7.7 * 0.7%

Cebu

$16 1.7% 104% $7.9

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 $425 in Cetinje and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Cetinje vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $223 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇲🇪 Cetinje

🇵🇭 Cebu

🕒 Local time

09:20 9:20 AM

15:20 3:20 PM

6 h ahead of Cetinje

🌤 Weather

👥 Population

13,918

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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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).

USD to EUR in detail →

On the map

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Between locations

Cetinje Cebu 10,440 km ≈ 14 h nonstop flight

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Cetinje
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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

Cetinje vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 14% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,566 in Cetinje and $1,377 in Cebu 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: $425 in Cetinje versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 8% higher in Cetinje. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,044 per month in Cetinje versus $918 in Cebu – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,044 in Cetinje, a $1,500 budget is realistic in Cebu but tight or insufficient in Cetinje. 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 Cetinje, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cetinje 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 14% less than in Cetinje. Beyond cost, consider language, visa policies, and how big the international community is in each city.