Last update: Oct 2026

Cost of Living Comparison Between Coffs Harbour and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,422 in Coffs Harbour, rent and utilities included – about $18,000 less a year. Rent and utilities account for most of the difference.

119

Cost of Living Index in Coffs Harbour
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Coffs Harbour Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Coffs Harbour

🇦🇺 Australia

$2,422

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,422 in Coffs Harbour versus $918 in Cebu.

Coffs Harbour $2,422
Cebu $918

Estimated couple costs with rent: $3,551 in Coffs Harbour versus $1,409 in Cebu.

Coffs Harbour $3,551
Cebu $1,409

Monthly costs for a family of three with rent: $4,680 in Coffs Harbour versus $1,900 in Cebu.

Coffs Harbour $4,680
Cebu $1,900

Living in Coffs Harbour is roughly 164% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Coffs Harbour is 79% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.90 A$20.00

$3.09 ₱194

349.84%

Three-Course Dinner for Two, Mid-Range

$105 A$151

$24.22 ₱1,525

331.96%

Fast Food Meal (McDonalds, etc)

$9.16 A$13.18

$3.92 ₱247

133.67%

Cappuccino

$3.70 A$5.32

$2.51 ₱158

47.41%

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

$2.80 A$4.03

$1.59 ₱100

76.10%

Water (0.33 liter bottle)

$1.94 A$2.80

$0.53 ₱33.43

266.04%

Local Beer (0.5 liter draught)

$5.07 A$7.29

$1.78 ₱112

184.83%

Imported Beer (0.33 liter bottle)

$5.53 A$7.96

$2.17 ₱137

154.84%

Milk (1 liter)

$1.52 A$2.18

$1.92 ₱121

-20.83%

White Bread (500g)

$2.73 A$3.92

$1.36 ₱85.4

100.74%

Rice (white) (1kg)

$2.33 A$3.35

$1.01 ₱63.5

130.69%

Eggs

$3.40 A$4.89

$2.03 ₱128

67.49%

Local Cheese (1kg)

$9.04 A$13.00

$9.86 ₱621

-8.32%

Chicken Fillets (1kg)

$7.15 A$10.28

$4.39 ₱277

62.87%

Beef Round Steak (1kg)

$14.16 A$20.38

$7.60 ₱479

86.32%

Apples (1kg)

$3.81 A$5.49

$3.30 ₱208

15.45%

Banana (1kg)

$3.03 A$4.37

$1.39 ₱87.8

117.99%

Oranges (1kg)

$3.47 A$5.00

$2.33 ₱147

48.93%

Tomato (1kg)

$4.25 A$6.12

$1.50 ₱94.3

183.33%

Potato (1kg)

$1.35 A$1.95

$2.36 ₱149

-42.80%

Onion (1kg)

$2.50 A$3.59

$1.90 ₱119

31.58%

Lettuce (1 head)

$2.41 A$3.47

$1.19 ₱74.9

102.52%

Water (1.5 liter bottle)

$2.33 A$3.35

$0.63 ₱39.71

269.84%

Cigarettes 20 Pack (Marlboro, Camel)

$31.57 A$45.43

$3.00 ₱189

952.33%

Wine (Bottle)

$14.01 A$20.16

$6.03 ₱379

132.34%

Local Beer (0.5 liter bottle)

$5.90 A$8.49

$1.23 ₱77.7

379.67%

Imported Beer (0.33 liter bottle)

$6.76 A$9.72

$1.75 ₱110

286.29%

One-way Ticket (Public Transport)

$4.84 A$6.97

$0.25 ₱15.86

1836.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$2.10 A$3.03

$0.77 ₱48.62

172.73%

Taxi (Normal Tariff) (1km)

$1.55 A$2.24

$0.23 ₱14.53

573.91%

Taxi 1hour Waiting (Normal Tariff)

$35.59 A$51.2

$4.46 ₱281

697.98%

Gasoline (1 liter)

$1.29 A$1.86

$1.31 ₱82.8

-1.53%

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

$26.5K A$38.2K

$21.2K ₱1.3M

24.89%

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

$32.7K A$47.0K

$19.1K ₱1.2M

70.76%

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

$176 A$253

$120 ₱7,569

45.97%

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

$10.55 A$15.18

$14.00 ₱882

-24.64%

Internet (50+ Mbps, Unlimited Data)

$53.5 A$77.0

$27.54 ₱1,734

94.30%

Gym Membership (Monthly)

$108 A$155

$32.33 ₱2,035

232.88%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$13.84 A$19.92

$5.65 ₱356

144.96%

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

$2,176 A$3,131

$275 ₱17.3K

690.33%

International Primary School, 1 Child (Yearly)

$11.8K A$17.0K

$7,918 ₱498.5K

49.21%

Jeans (Levis 501 Or Similar)

$74.9 A$108

$49.33 ₱3,106

51.81%

Summer Dress (H&M, Zara, etc)

$54.0 A$77.7

$25.24 ₱1,589

113.95%

Sport Shoes (Adidas, Nike)

$104 A$150

$77.0 ₱4,846

35.23%

Men's Leather Business Shoes

$120 A$173

$57.2 ₱3,601

109.90%

1-bedroom Apartment, City Center (Monthly)

$1,387 A$1,997

$500 ₱31.5K

177.76%

1-bedroom Apartment, Outside City Center (Monthly)

$1,259 A$1,812

$309 ₱19.4K

307.84%

3-bedroom Apartment, City Center (Monthly)

$2,108 A$3,033

$1,078 ₱67.9K

95.57%

3-bedroom Apartment, Outside City Center (Monthly)

$1,939 A$2,790

$615 ₱38.7K

215.18%

Buy Apartment in City Center (m2)

$3,557 A$5,119

$2,886 ₱181.7K

23.25%

Buy Apartment Outside City Center (m2)

$3,546 A$5,102

$1,917 ₱120.7K

85.00%

Average Monthly Net Salary (After Tax)

$3,275 A$4,713

$346 ₱21.8K

846.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.69

7.2

-20.97%

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

Last update for Coffs Harbour: 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

Coffs Harbour

$1.3K 52%

Cebu

$309 33.6% 75.5% $951

Groceries & Markets

Coffs Harbour

$361 14.9%

Cebu

$206 22.4% 42.9% $155

Monthly Utilities & Internet

Coffs Harbour

$240 9.9%

Cebu

$162 17.6% 32.5% $78

Eating Out

Coffs Harbour

$238 9.8%

Cebu

$88 9.6% 63% $150

Clothing & Footwear

Coffs Harbour

$159 6.6%

Cebu

$94 10.2% 40.9% $65

Sport & Entertainment

Coffs Harbour

$135 5.6%

Cebu

$44 4.8% 67.8% $92

Getting Around

Coffs Harbour

$29 * 1.2%

Cebu

$16 1.7% 46.8% $14

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 $1,387 in Coffs Harbour and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Coffs Harbour pays 847% 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 Coffs Harbour vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $361 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇦🇺 Coffs Harbour

🇵🇭 Cebu

🕒 Local time

05:55 5:55 AM

02:55 2:55 AM

3 h behind Coffs Harbour

🌤 Weather

👥 Population

78,759

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

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 AUD in detail →

On the map

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Between locations

Coffs Harbour Cebu 5,490 km ≈ 7 h nonstop flight

From you

Coffs Harbour
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

Coffs Harbour vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 164% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 847% higher in Coffs Harbour, 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: $1,387 in Coffs Harbour versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 75% higher in Coffs Harbour. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,422 per month in Coffs Harbour versus $918 in Cebu – a 164% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,422 in Coffs Harbour, a $1,500 budget is realistic in Cebu but tight or insufficient in Coffs Harbour. 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 Coffs Harbour, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Coffs Harbour 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 164% less than in Coffs Harbour. Beyond cost, consider language, visa policies, and how big the international community is in each city.