Last update: Oct 2026

Cost of Living Comparison Between Chesterfield and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,085 in Chesterfield, rent and utilities included – about $14,000 less a year. Rent and utilities account for most of the difference.

101

Cost of Living Index in Chesterfield
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Chesterfield Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Chesterfield

🇬🇧 United Kingdom

$2,085

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,085 in Chesterfield versus $918 in Cebu.

Chesterfield $2,085
Cebu $918

Estimated couple costs with rent: $3,017 in Chesterfield versus $1,409 in Cebu.

Chesterfield $3,017
Cebu $1,409

Monthly costs for a family of three with rent: $3,949 in Chesterfield versus $1,900 in Cebu.

Chesterfield $3,949
Cebu $1,900

Living in Chesterfield is roughly 127% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Chesterfield is 54% above, Cebu is 32% below.

Meal at Budget Restaurant

$21.94 £16.46

$3.09 ₱194

610.03%

Three-Course Dinner for Two, Mid-Range

$79.8 £59.9

$24.22 ₱1,525

229.56%

Fast Food Meal (McDonalds, etc)

$10.53 £7.90

$3.92 ₱247

168.62%

Cappuccino

$4.49 £3.37

$2.51 ₱158

78.88%

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

$2.33 £1.75

$1.59 ₱100

46.54%

Water (0.33 liter bottle)

$1.30 £0.98

$0.53 ₱33.43

145.28%

Local Beer (0.5 liter draught)

$6.09 £4.57

$1.78 ₱112

242.13%

Imported Beer (0.33 liter bottle)

$5.22 £3.91

$2.17 ₱137

140.55%

Milk (1 liter)

$1.72 £1.29

$1.92 ₱121

-10.42%

White Bread (500g)

$1.70 £1.27

$1.36 ₱85.4

25.00%

Rice (white) (1kg)

$2.14 £1.61

$1.01 ₱63.5

111.88%

Eggs

$4.07 £3.05

$2.03 ₱128

100.49%

Local Cheese (1kg)

$9.61 £7.21

$9.86 ₱621

-2.54%

Chicken Fillets (1kg)

$8.72 £6.55

$4.39 ₱277

98.63%

Beef Round Steak (1kg)

$14.11 £10.59

$7.60 ₱479

85.66%

Apples (1kg)

$3.06 £2.29

$3.30 ₱208

-7.27%

Banana (1kg)

$1.35 £1.01

$1.39 ₱87.8

-2.88%

Oranges (1kg)

$2.61 £1.96

$2.33 ₱147

12.02%

Tomato (1kg)

$3.46 £2.60

$1.50 ₱94.3

130.67%

Potato (1kg)

$1.48 £1.11

$2.36 ₱149

-37.29%

Onion (1kg)

$1.56 £1.17

$1.90 ₱119

-17.89%

Lettuce (1 head)

$1.19 £0.90

$1.19 ₱74.9

Water (1.5 liter bottle)

$1.44 £1.08

$0.63 ₱39.71

128.57%

Cigarettes 20 Pack (Marlboro, Camel)

$20.36 £15.27

$3.00 ₱189

578.67%

Wine (Bottle)

$11.12 £8.35

$6.03 ₱379

84.41%

Local Beer (0.5 liter bottle)

$3.29 £2.47

$1.23 ₱77.7

167.48%

Imported Beer (0.33 liter bottle)

$3.18 £2.38

$1.75 ₱110

81.71%

One-way Ticket (Public Transport)

$3.93 £2.95

$0.25 ₱15.86

1472.00%

Public Transport Monthly Pass (Regular Price)

$76.3 £57.3

$12.64 ₱796

503.72%

Taxi Start (Normal Tariff)

$4.88 £3.66

$0.77 ₱48.62

533.77%

Taxi (Normal Tariff) (1km)

$1.30 £0.97

$0.23 ₱14.53

465.22%

Taxi 1hour Waiting (Normal Tariff)

$19.51 £14.64

$4.46 ₱281

337.44%

Gasoline (1 liter)

$2.11 £1.58

$1.31 ₱82.8

61.07%

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

$38.1K £28.6K

$21.2K ₱1.3M

79.51%

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

$41.2K £30.9K

$19.1K ₱1.2M

115.10%

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

$311 £233

$120 ₱7,569

158.75%

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

$20.10 £15.08

$14.00 ₱882

43.57%

Internet (50+ Mbps, Unlimited Data)

$43.66 £32.75

$27.54 ₱1,734

58.53%

Gym Membership (Monthly)

$46.19 £34.66

$32.33 ₱2,035

42.87%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$12.52 £9.39

$5.65 ₱356

121.59%

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

$1,203 £903

$275 ₱17.3K

336.97%

International Primary School, 1 Child (Yearly)

$24.1K £18.1K

$7,918 ₱498.5K

204.52%

Jeans (Levis 501 Or Similar)

$85.9 £64.4

$49.33 ₱3,106

74.11%

Summer Dress (H&M, Zara, etc)

$41.05 £30.80

$25.24 ₱1,589

62.64%

Sport Shoes (Adidas, Nike)

$108 £81.3

$77.0 ₱4,846

40.81%

Men's Leather Business Shoes

$109 £81.5

$57.2 ₱3,601

89.91%

1-bedroom Apartment, City Center (Monthly)

$857 £643

$500 ₱31.5K

71.57%

1-bedroom Apartment, Outside City Center (Monthly)

$764 £573

$309 ₱19.4K

147.51%

3-bedroom Apartment, City Center (Monthly)

$1,530 £1,148

$1,078 ₱67.9K

42.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,122 £842

$615 ₱38.7K

82.42%

Buy Apartment in City Center (m2)

$4,971 £3,729

$2,886 ₱181.7K

72.24%

Buy Apartment Outside City Center (m2)

$3,925 £2,945

$1,917 ₱120.7K

104.80%

Average Monthly Net Salary (After Tax)

$1,940 £1,455

$346 ₱21.8K

460.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.33

7.2

-25.97%

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

Last update for Chesterfield: 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

Chesterfield

$764 36.7%

Cebu

$309 33.6% 59.6% $456

Monthly Utilities & Internet

Chesterfield

$375 18%

Cebu

$162 17.6% 56.8% $213

Eating Out

Chesterfield

$316 15.2%

Cebu

$88 9.6% 72.1% $228

Groceries & Markets

Chesterfield

$300 14.4%

Cebu

$206 22.4% 31.3% $94

Clothing & Footwear

Chesterfield

$155 7.4%

Cebu

$94 10.2% 39.3% $61

Getting Around

Chesterfield

$103 5%

Cebu

$16 1.7% 84.9% $88

Sport & Entertainment

Chesterfield

$71 3.4%

Cebu

$44 4.8% 38.8% $28

Cost Breakdown

A one-bedroom apartment in the center runs $857 in Chesterfield and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Chesterfield pays 461% 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: $80.0 in Chesterfield vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $300 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Chesterfield

🇵🇭 Cebu

🕒 Local time

10:27 10:27 AM

17:27 5:27 PM

7 h ahead of Chesterfield

🌤 Weather

👥 Population

103,800

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

Chesterfield Cebu 11,270 km ≈ 15 h nonstop flight

From you

Chesterfield
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

Chesterfield vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 127% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 461% higher in Chesterfield, 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: $857 in Chesterfield versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,085 per month in Chesterfield versus $918 in Cebu – a 127% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 504% less than in Chesterfield. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,085 in Chesterfield, a $1,500 budget is realistic in Cebu but tight or insufficient in Chesterfield. 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 Chesterfield, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Chesterfield 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 127% less than in Chesterfield. Beyond cost, consider language, visa policies, and how big the international community is in each city.