Last update: Oct 2026

Cost of Living Comparison Between Chatham and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,956 in Chatham, rent and utilities included – about $24,500 less a year. Rent and utilities account for most of the difference.

144

Cost of Living Index in Chatham
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Chatham Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Chatham

🇬🇧 United Kingdom

$2,956

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,956 in Chatham versus $918 in Cebu.

Chatham $2,956
Cebu $918

Estimated couple costs with rent: $4,000 in Chatham versus $1,409 in Cebu.

Chatham $4,000
Cebu $1,409

Monthly costs for a family of three with rent: $5,044 in Chatham versus $1,900 in Cebu.

Chatham $5,044
Cebu $1,900

Living in Chatham is roughly 222% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Chatham is 119% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.44 £10.08

$3.09 ₱194

334.95%

Three-Course Dinner for Two, Mid-Range

$93.5 £70.2

$24.22 ₱1,525

286.17%

Fast Food Meal (McDonalds, etc)

$9.77 £7.33

$3.92 ₱247

149.23%

Cappuccino

$3.58 £2.69

$2.51 ₱158

42.63%

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

$2.95 £2.22

$1.59 ₱100

85.53%

Water (0.33 liter bottle)

$1.60 £1.20

$0.53 ₱33.43

201.89%

Local Beer (0.5 liter draught)

$6.26 £4.70

$1.78 ₱112

251.69%

Imported Beer (0.33 liter bottle)

$6.63 £4.97

$2.17 ₱137

205.53%

Milk (1 liter)

$1.87 £1.40

$1.92 ₱121

-2.60%

White Bread (500g)

$2.05 £1.54

$1.36 ₱85.4

50.74%

Rice (white) (1kg)

$2.13 £1.60

$1.01 ₱63.5

110.89%

Eggs

$3.90 £2.93

$2.03 ₱128

92.12%

Local Cheese (1kg)

$10.54 £7.90

$9.86 ₱621

6.90%

Chicken Fillets (1kg)

$9.20 £6.90

$4.39 ₱277

109.57%

Beef Round Steak (1kg)

$15.27 £11.46

$7.60 ₱479

100.92%

Apples (1kg)

$2.93 £2.20

$3.30 ₱208

-11.21%

Banana (1kg)

$1.95 £1.46

$1.39 ₱87.8

40.29%

Oranges (1kg)

$2.61 £1.96

$2.33 ₱147

12.02%

Tomato (1kg)

$3.60 £2.70

$1.50 ₱94.3

140.00%

Potato (1kg)

$1.97 £1.48

$2.36 ₱149

-16.53%

Onion (1kg)

$1.88 £1.41

$1.90 ₱119

-1.05%

Lettuce (1 head)

$1.18 £0.88

$1.19 ₱74.9

-0.84%

Water (1.5 liter bottle)

$1.63 £1.22

$0.63 ₱39.71

158.73%

Cigarettes 20 Pack (Marlboro, Camel)

$21.41 £16.06

$3.00 ₱189

613.67%

Wine (Bottle)

$11.05 £8.29

$6.03 ₱379

83.25%

Local Beer (0.5 liter bottle)

$3.03 £2.27

$1.23 ₱77.7

146.34%

Imported Beer (0.33 liter bottle)

$2.40 £1.80

$1.75 ₱110

37.14%

One-way Ticket (Public Transport)

$4.02 £3.02

$0.25 ₱15.86

1508.00%

Public Transport Monthly Pass (Regular Price)

$112 £84.3

$12.64 ₱796

788.45%

Taxi Start (Normal Tariff)

$4.88 £3.66

$0.77 ₱48.62

533.77%

Taxi (Normal Tariff) (1km)

$2.72 £2.04

$0.23 ₱14.53

1082.61%

Taxi 1hour Waiting (Normal Tariff)

$19.84 £14.88

$4.46 ₱281

344.84%

Gasoline (1 liter)

$1.97 £1.48

$1.31 ₱82.8

50.38%

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

$38.6K £29.0K

$21.2K ₱1.3M

81.90%

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

$36.7K £27.5K

$19.1K ₱1.2M

91.67%

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

$279 £209

$120 ₱7,569

131.68%

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

$16.97 £12.73

$14.00 ₱882

21.21%

Internet (50+ Mbps, Unlimited Data)

$26.03 £19.53

$27.54 ₱1,734

-5.48%

Gym Membership (Monthly)

$113 £85.1

$32.33 ₱2,035

250.97%

Tennis Court (1 Hour on Weekend)

$9.15 £6.87

$6.65 ₱419

37.59%

Cinema Ticket

$17.64 £13.24

$5.65 ₱356

212.21%

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

$2,046 £1,535

$275 ₱17.3K

643.06%

International Primary School, 1 Child (Yearly)

$30.6K £22.9K

$7,918 ₱498.5K

285.85%

Jeans (Levis 501 Or Similar)

$90.0 £67.5

$49.33 ₱3,106

82.36%

Summer Dress (H&M, Zara, etc)

$45.39 £34.06

$25.24 ₱1,589

79.83%

Sport Shoes (Adidas, Nike)

$102 £76.8

$77.0 ₱4,846

33.03%

Men's Leather Business Shoes

$89.1 £66.8

$57.2 ₱3,601

55.68%

1-bedroom Apartment, City Center (Monthly)

$2,044 £1,534

$500 ₱31.5K

309.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,632 £1,224

$309 ₱19.4K

428.37%

3-bedroom Apartment, City Center (Monthly)

$2,470 £1,853

$1,078 ₱67.9K

129.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,092 £1,569

$615 ₱38.7K

239.99%

Buy Apartment in City Center (m2)

$7,902 £5,928

$2,886 ₱181.7K

173.80%

Buy Apartment Outside City Center (m2)

$7,319 £5,491

$1,917 ₱120.7K

281.86%

Average Monthly Net Salary (After Tax)

$2,938 £2,204

$346 ₱21.8K

749.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.12

7.2

-28.89%

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

Last update for Chatham: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Chatham

$1.6K 55.2%

Cebu

$309 33.6% 81.1% $1.3K

Monthly Utilities & Internet

Chatham

$322 10.9%

Cebu

$162 17.6% 49.7% $160

Groceries & Markets

Chatham

$318 10.7%

Cebu

$206 22.4% 35.2% $112

Eating Out

Chatham

$243 8.2%

Cebu

$88 9.6% 63.6% $154

Sport & Entertainment

Chatham

$149 5%

Cebu

$44 4.8% 70.7% $105

Getting Around

Chatham

$147 5%

Cebu

$16 1.7% 89.4% $131

Clothing & Footwear

Chatham

$147 5%

Cebu

$94 10.2% 36.1% $53

Cost Breakdown

A one-bedroom apartment in the center runs $2,044 in Chatham and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Chatham pays 749% 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: $94.0 in Chatham vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $318 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Chatham

🇵🇭 Cebu

🕒 Local time

13:12 1:12 PM

20:12 8:12 PM

7 h ahead of Chatham

🌤 Weather

👥 Population

76,792

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 18, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

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 GBP in detail →

On the map

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Highest

Between locations

Chatham Cebu 11,280 km ≈ 15 h nonstop flight

From you

Chatham
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

Chatham vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and leisure. The 222% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 749% higher in Chatham, 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: $2,044 in Chatham versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,956 per month in Chatham versus $918 in Cebu – a 222% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 788% less than in Chatham. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,956 in Chatham, a $1,500 budget is realistic in Cebu but tight or insufficient in Chatham. 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 Chatham, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Chatham 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 222% less than in Chatham. Beyond cost, consider language, visa policies, and how big the international community is in each city.