Last update: Oct 2026

Cost of Living Comparison Between Cheltenham and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,327 in Cheltenham, rent and utilities included – about $16,900 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Cheltenham
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Cheltenham Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Cheltenham

🇬🇧 United Kingdom

$2,327

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,327 in Cheltenham versus $918 in Cebu.

Cheltenham $2,327
Cebu $918

Estimated couple costs with rent: $3,528 in Cheltenham versus $1,409 in Cebu.

Cheltenham $3,528
Cebu $1,409

Monthly costs for a family of three with rent: $4,729 in Cheltenham versus $1,900 in Cebu.

Cheltenham $4,729
Cebu $1,900

Living in Cheltenham is roughly 154% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cheltenham is 72% above, Cebu is 32% below.

Meal at Budget Restaurant

$23.67 £17.75

$3.09 ₱194

666.02%

Three-Course Dinner for Two, Mid-Range

$105 £79.1

$24.22 ₱1,525

335.05%

Fast Food Meal (McDonalds, etc)

$11.03 £8.28

$3.92 ₱247

181.38%

Cappuccino

$4.89 £3.67

$2.51 ₱158

94.82%

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

$2.56 £1.92

$1.59 ₱100

61.01%

Water (0.33 liter bottle)

$1.74 £1.31

$0.53 ₱33.43

228.30%

Local Beer (0.5 liter draught)

$7.76 £5.82

$1.78 ₱112

335.96%

Imported Beer (0.33 liter bottle)

$6.54 £4.91

$2.17 ₱137

201.38%

Milk (1 liter)

$1.73 £1.30

$1.92 ₱121

-9.90%

White Bread (500g)

$1.71 £1.29

$1.36 ₱85.4

25.74%

Rice (white) (1kg)

$1.99 £1.49

$1.01 ₱63.5

97.03%

Eggs

$4.43 £3.33

$2.03 ₱128

118.23%

Local Cheese (1kg)

$8.19 £6.15

$9.86 ₱621

-16.94%

Chicken Fillets (1kg)

$9.59 £7.19

$4.39 ₱277

118.45%

Beef Round Steak (1kg)

$13.09 £9.82

$7.60 ₱479

72.24%

Apples (1kg)

$3.10 £2.32

$3.30 ₱208

-6.06%

Banana (1kg)

$1.43 £1.07

$1.39 ₱87.8

2.88%

Oranges (1kg)

$1.93 £1.45

$2.33 ₱147

-17.17%

Tomato (1kg)

$3.49 £2.62

$1.50 ₱94.3

132.67%

Potato (1kg)

$1.52 £1.14

$2.36 ₱149

-35.59%

Onion (1kg)

$1.51 £1.13

$1.90 ₱119

-20.53%

Lettuce (1 head)

$1.21 £0.91

$1.19 ₱74.9

1.68%

Water (1.5 liter bottle)

$1.42 £1.07

$0.63 ₱39.71

125.40%

Cigarettes 20 Pack (Marlboro, Camel)

$23.12 £17.35

$3.00 ₱189

670.67%

Wine (Bottle)

$10.63 £7.98

$6.03 ₱379

76.29%

Local Beer (0.5 liter bottle)

$2.86 £2.15

$1.23 ₱77.7

132.52%

Imported Beer (0.33 liter bottle)

$2.93 £2.20

$1.75 ₱110

67.43%

One-way Ticket (Public Transport)

$3.44 £2.58

$0.25 ₱15.86

1276.00%

Public Transport Monthly Pass (Regular Price)

$92.5 £69.4

$12.64 ₱796

631.72%

Taxi Start (Normal Tariff)

$3.53 £2.65

$0.77 ₱48.62

358.44%

Taxi (Normal Tariff) (1km)

$1.64 £1.23

$0.23 ₱14.53

613.04%

Taxi 1hour Waiting (Normal Tariff)

$26.85 £20.14

$4.46 ₱281

502.02%

Gasoline (1 liter)

$1.87 £1.40

$1.31 ₱82.8

42.75%

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

$37.1K £27.8K

$21.2K ₱1.3M

74.56%

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

$41.2K £30.9K

$19.1K ₱1.2M

115.08%

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

$341 £256

$120 ₱7,569

183.38%

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

$17.10 £12.83

$14.00 ₱882

22.14%

Internet (50+ Mbps, Unlimited Data)

$51.0 £38.24

$27.54 ₱1,734

85.08%

Gym Membership (Monthly)

$44.28 £33.22

$32.33 ₱2,035

36.96%

Tennis Court (1 Hour on Weekend)

$39.01 £29.27

$6.65 ₱419

486.62%

Cinema Ticket

$14.00 £10.50

$5.65 ₱356

147.79%

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

$2,020 £1,516

$275 ₱17.3K

633.81%

International Primary School, 1 Child (Yearly)

$25.2K £18.9K

$7,918 ₱498.5K

218.20%

Jeans (Levis 501 Or Similar)

$98.2 £73.7

$49.33 ₱3,106

99.13%

Summer Dress (H&M, Zara, etc)

$48.22 £36.18

$25.24 ₱1,589

91.05%

Sport Shoes (Adidas, Nike)

$106 £79.4

$77.0 ₱4,846

37.53%

Men's Leather Business Shoes

$96.9 £72.7

$57.2 ₱3,601

69.34%

1-bedroom Apartment, City Center (Monthly)

$1,161 £871

$500 ₱31.5K

132.49%

1-bedroom Apartment, Outside City Center (Monthly)

$929 £697

$309 ₱19.4K

200.66%

3-bedroom Apartment, City Center (Monthly)

$2,149 £1,613

$1,078 ₱67.9K

99.42%

3-bedroom Apartment, Outside City Center (Monthly)

$1,617 £1,213

$615 ₱38.7K

162.77%

Buy Apartment in City Center (m2)

$5,704 £4,279

$2,886 ₱181.7K

97.62%

Buy Apartment Outside City Center (m2)

$5,676 £4,258

$1,917 ₱120.7K

196.15%

Average Monthly Net Salary (After Tax)

$4,753 £3,566

$346 ₱21.8K

1273.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.54

7.2

-23.06%

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

Last update for Cheltenham: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cheltenham

$929 39.9%

Cebu

$309 33.6% 66.7% $620

Monthly Utilities & Internet

Cheltenham

$409 17.6%

Cebu

$162 17.6% 60.4% $247

Eating Out

Cheltenham

$350 15.1%

Cebu

$88 9.6% 74.8% $262

Groceries & Markets

Cheltenham

$292 12.6%

Cebu

$206 22.4% 29.5% $86

Clothing & Footwear

Cheltenham

$157 6.8%

Cebu

$94 10.2% 40.2% $63

Getting Around

Cheltenham

$118 5.1%

Cebu

$16 1.7% 86.8% $102

Sport & Entertainment

Cheltenham

$72 3.1%

Cebu

$44 4.8% 39.7% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,161 in Cheltenham and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Cheltenham pays 1274% 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: $105 in Cheltenham vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $292 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Cheltenham

🇵🇭 Cebu

🕒 Local time

22:04 10:04 PM

05:04 5:04 AM

7 h ahead of Cheltenham

🌤 Weather

👥 Population

115,300

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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Between locations

Cheltenham Cebu 11,390 km ≈ 15 h nonstop flight

From you

Cheltenham
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

Cheltenham vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 154% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1274% higher in Cheltenham, 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: $1,161 in Cheltenham versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,327 per month in Cheltenham versus $918 in Cebu – a 154% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 632% less than in Cheltenham. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,327 in Cheltenham, a $1,500 budget is realistic in Cebu but tight or insufficient in Cheltenham. 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 Cheltenham, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cheltenham 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 154% less than in Cheltenham. Beyond cost, consider language, visa policies, and how big the international community is in each city.