Last update: Oct 2026

Cost of Living Comparison Between Crema and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,504 in Crema, rent and utilities included – about $7,000 less a year. Rent and utilities account for most of the difference.

72

Cost of Living Index in Crema
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Crema Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Crema

🇮🇹 Italy

$1,504

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,504 in Crema versus $918 in Cebu.

Crema $1,504
Cebu $918

Estimated couple costs with rent: $2,039 in Crema versus $1,409 in Cebu.

Crema $2,039
Cebu $1,409

Monthly costs for a family of three with rent: $2,575 in Crema versus $1,900 in Cebu.

Crema $2,575
Cebu $1,900

Living in Crema is roughly 64% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Crema is 11% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.95 €15.07

$3.09 ₱194

448.54%

Three-Course Dinner for Two, Mid-Range

$55.0 €48.88

$24.22 ₱1,525

126.88%

Fast Food Meal (McDonalds, etc)

$10.95 €9.74

$3.92 ₱247

179.34%

Cappuccino

$1.79 €1.59

$2.51 ₱158

-28.69%

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

$3.01 €2.68

$1.59 ₱100

89.31%

Water (0.33 liter bottle)

$1.34 €1.19

$0.53 ₱33.43

152.83%

Local Beer (0.5 liter draught)

$5.42 €4.82

$1.78 ₱112

204.49%

Imported Beer (0.33 liter bottle)

$6.17 €5.49

$2.17 ₱137

184.33%

Milk (1 liter)

$1.13 €1.01

$1.92 ₱121

-41.15%

White Bread (500g)

$1.78 €1.58

$1.36 ₱85.4

30.88%

Rice (white) (1kg)

$2.86 €2.55

$1.01 ₱63.5

183.17%

Eggs

$2.99 €2.66

$2.03 ₱128

47.29%

Local Cheese (1kg)

$12.30 €10.94

$9.86 ₱621

24.75%

Chicken Fillets (1kg)

$8.89 €7.91

$4.39 ₱277

102.51%

Beef Round Steak (1kg)

$14.78 €13.14

$7.60 ₱479

94.47%

Apples (1kg)

$2.25 €2.00

$3.30 ₱208

-31.82%

Banana (1kg)

$1.43 €1.27

$1.39 ₱87.8

2.88%

Oranges (1kg)

$1.49 €1.33

$2.33 ₱147

-36.05%

Tomato (1kg)

$2.27 €2.02

$1.50 ₱94.3

51.33%

Potato (1kg)

$1.35 €1.20

$2.36 ₱149

-42.80%

Onion (1kg)

$1.60 €1.42

$1.90 ₱119

-15.79%

Lettuce (1 head)

$1.31 €1.16

$1.19 ₱74.9

10.08%

Water (1.5 liter bottle)

$0.37 €0.33

$0.63 ₱39.71

-41.27%

Cigarettes 20 Pack (Marlboro, Camel)

$6.54 €5.82

$3.00 ₱189

118.00%

Wine (Bottle)

$4.57 €4.07

$6.03 ₱379

-24.21%

Local Beer (0.5 liter bottle)

$1.36 €1.21

$1.23 ₱77.7

10.57%

Imported Beer (0.33 liter bottle)

$1.01 €0.90

$1.75 ₱110

-42.29%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$14.64 €13.02

$0.77 ₱48.62

1801.30%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$2.03 €1.81

$1.31 ₱82.8

54.96%

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

$36.5K €32.5K

$21.2K ₱1.3M

71.83%

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

$35.3K €31.4K

$19.1K ₱1.2M

84.63%

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

$198 €176

$120 ₱7,569

64.47%

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

$11.27 €10.02

$14.00 ₱882

-19.50%

Internet (50+ Mbps, Unlimited Data)

$27.16 €24.16

$27.54 ₱1,734

-1.38%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$27.86 €24.78

$6.65 ₱419

318.95%

Cinema Ticket

$13.49 €12.00

$5.65 ₱356

138.76%

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

$895 €796

$275 ₱17.3K

225.20%

International Primary School, 1 Child (Yearly)

$19.5K €17.3K

$7,918 ₱498.5K

146.04%

Jeans (Levis 501 Or Similar)

$54.1 €48.15

$49.33 ₱3,106

9.73%

Summer Dress (H&M, Zara, etc)

$45.48 €40.45

$25.24 ₱1,589

80.19%

Sport Shoes (Adidas, Nike)

$109 €97.1

$77.0 ₱4,846

41.76%

Men's Leather Business Shoes

$90.3 €80.3

$57.2 ₱3,601

57.78%

1-bedroom Apartment, City Center (Monthly)

$724 €644

$500 ₱31.5K

45.04%

1-bedroom Apartment, Outside City Center (Monthly)

$595 €529

$309 ₱19.4K

92.64%

3-bedroom Apartment, City Center (Monthly)

$1,231 €1,095

$1,078 ₱67.9K

14.19%

3-bedroom Apartment, Outside City Center (Monthly)

$553 €492

$615 ₱38.7K

-10.12%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$2,320 €2,063

$346 ₱21.8K

570.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.65

7.2

-49.31%

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

Last update for Crema: 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

Crema

$595 39.6%

Cebu

$309 33.6% 48.1% $286

Groceries & Markets

Crema

$250 16.6%

Cebu

$206 22.4% 17.7% $44

Eating Out

Crema

$247 16.4%

Cebu

$88 9.6% 64.2% $158

Monthly Utilities & Internet

Crema

$236 15.7%

Cebu

$162 17.6% 31.5% $74

Clothing & Footwear

Crema

$135 8.9%

Cebu

$94 10.2% 30.2% $41

Sport & Entertainment

Crema

$27 * 1.8%

Cebu

$44 4.8% 61.7% $17

Getting Around

Crema

$15 * 1%

Cebu

$16 1.7% 6.4% $0.9

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 $724 in Crema and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Crema pays 571% 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: $55.0 in Crema vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $250 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Crema

🇵🇭 Cebu

🕒 Local time

18:38 6:38 PM

00:38 12:38 AM

6 h ahead of Crema

🌤 Weather

👥 Population

32,981

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 19, 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

Lowest

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Between locations

Crema Cebu 11,010 km ≈ 14 h nonstop flight

From you

Crema
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

Crema vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 64% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 571% higher in Crema, 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: $724 in Crema versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% higher in Crema. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,504 per month in Crema versus $918 in Cebu – a 64% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,504 in Crema, a $1,500 budget is realistic in Cebu but tight or insufficient in Crema. 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 Crema, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Crema 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 64% less than in Crema. Beyond cost, consider language, visa policies, and how big the international community is in each city.