Last update: Oct 2026

Cost of Living Comparison Between Đakovo and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,278 in Đakovo, rent and utilities included – about $4,300 less a year. Rent and utilities account for most of the difference.

62

Cost of Living Index in Đakovo
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Đakovo Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Đakovo

🇭🇷 Croatia

$1,278

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,278 in Đakovo versus $918 in Cebu.

Đakovo $1,278
Cebu $918

Estimated couple costs with rent: $1,879 in Đakovo versus $1,409 in Cebu.

Đakovo $1,879
Cebu $1,409

Monthly costs for a family of three with rent: $2,480 in Đakovo versus $1,900 in Cebu.

Đakovo $2,480
Cebu $1,900

Living in Đakovo is roughly 39% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Đakovo 5% lower, Cebu 32% lower.

Meal at Budget Restaurant

$7.64 €6.82

$3.09 ₱195

147.25%

Three-Course Dinner for Two, Mid-Range

$27.42 €24.46

$24.22 ₱1,526

13.21%

Fast Food Meal (McDonalds, etc)

$5.60 €4.99

$3.92 ₱247

42.86%

Cappuccino

$1.69 €1.51

$2.51 ₱158

-32.67%

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

$1.62 €1.45

$1.59 ₱100

1.89%

Water (0.33 liter bottle)

$1.63 €1.45

$0.53 ₱33.47

207.55%

Local Beer (0.5 liter draught)

$3.27 €2.91

$1.78 ₱112

83.71%

Imported Beer (0.33 liter bottle)

$3.30 €2.94

$2.17 ₱137

52.07%

Milk (1 liter)

$1.23 €1.10

$1.92 ₱121

-35.94%

White Bread (500g)

$1.10 €0.98

$1.36 ₱85.5

-19.12%

Rice (white) (1kg)

$1.09 €0.97

$1.01 ₱63.6

7.92%

Eggs

$2.71 €2.42

$2.03 ₱128

33.50%

Local Cheese (1kg)

$5.66 €5.05

$9.86 ₱622

-42.60%

Chicken Fillets (1kg)

$5.43 €4.84

$4.39 ₱277

23.69%

Beef Round Steak (1kg)

$13.32 €11.88

$7.60 ₱479

75.26%

Apples (1kg)

$2.27 €2.02

$3.30 ₱208

-31.21%

Banana (1kg)

$1.72 €1.53

$1.39 ₱87.9

23.74%

Oranges (1kg)

$2.11 €1.88

$2.33 ₱147

-9.44%

Tomato (1kg)

$1.14 €1.02

$1.50 ₱94.4

-24.00%

Potato (1kg)

$1.15 €1.03

$2.36 ₱149

-51.27%

Onion (1kg)

$1.13 €1.01

$1.90 ₱120

-40.53%

Lettuce (1 head)

$1.15 €1.02

$1.19 ₱75.0

-3.36%

Water (1.5 liter bottle)

$1.10 €0.98

$0.63 ₱39.75

74.60%

Cigarettes 20 Pack (Marlboro, Camel)

$5.55 €4.95

$3.00 ₱189

85.00%

Wine (Bottle)

$5.47 €4.88

$6.03 ₱380

-9.29%

Local Beer (0.5 liter bottle)

$1.63 €1.45

$1.23 ₱77.8

32.52%

Imported Beer (0.33 liter bottle)

$2.19 €1.95

$1.75 ₱110

25.14%

One-way Ticket (Public Transport)

$1.57 €1.40

$0.25 ₱15.88

528.00%

Public Transport Monthly Pass (Regular Price)

$43.98 €39.23

$12.64 ₱796

247.94%

Taxi Start (Normal Tariff)

$2.29 €2.04

$0.77 ₱48.67

197.40%

Taxi (Normal Tariff) (1km)

$1.10 €0.98

$0.23 ₱14.55

378.26%

Taxi 1hour Waiting (Normal Tariff)

$10.99 €9.80

$4.46 ₱281

146.41%

Gasoline (1 liter)

$1.82 €1.62

$1.31 ₱82.9

38.93%

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

$22.8K €20.3K

$21.2K ₱1.3M

7.14%

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

$26.4K €23.6K

$19.1K ₱1.2M

37.99%

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

$121 €108

$120 ₱7,577

0.47%

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

$10.99 €9.80

$14.00 ₱883

-21.50%

Internet (50+ Mbps, Unlimited Data)

$20.84 €18.59

$27.54 ₱1,736

-24.33%

Gym Membership (Monthly)

$50.7 €45.21

$32.33 ₱2,037

56.79%

Tennis Court (1 Hour on Weekend)

$13.93 €12.42

$6.65 ₱419

109.47%

Cinema Ticket

$8.68 €7.74

$5.65 ₱356

53.63%

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

$79.0 €70.5

$275 ₱17.4K

-71.30%

International Primary School, 1 Child (Yearly)

$9,991 €8,912

$7,918 ₱499.1K

26.18%

Jeans (Levis 501 Or Similar)

$110 €98.1

$49.33 ₱3,109

122.97%

Summer Dress (H&M, Zara, etc)

$33.43 €29.82

$25.24 ₱1,591

32.45%

Sport Shoes (Adidas, Nike)

$45.02 €40.16

$77.0 ₱4,851

-41.50%

Men's Leather Business Shoes

$100 €89.4

$57.2 ₱3,605

75.30%

1-bedroom Apartment, City Center (Monthly)

$681 €607

$500 ₱31.5K

36.32%

1-bedroom Apartment, Outside City Center (Monthly)

$530 €472

$309 ₱19.5K

71.49%

3-bedroom Apartment, City Center (Monthly)

$1,179 €1,052

$1,078 ₱67.9K

9.37%

3-bedroom Apartment, Outside City Center (Monthly)

$875 €781

$615 ₱38.8K

42.30%

Buy Apartment in City Center (m2)

$4,141 €3,694

$2,886 ₱181.9K

43.48%

Buy Apartment Outside City Center (m2)

$2,841 €2,534

$1,917 ₱120.8K

48.23%

Average Monthly Net Salary (After Tax)

$1,360 €1,213

$346 ₱21.8K

293.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

7.2

-54.17%

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

Last update for Đakovo: 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

Đakovo

$530 41.4%

Cebu

$309 33.6% 41.7% $221

Groceries & Markets

Đakovo

$205 16.1%

Cebu

$206 22.4% 0.3% $0.7

Monthly Utilities & Internet

Đakovo

$153 12%

Cebu

$162 17.6% 6% $9.2

Eating Out

Đakovo

$134 10.5%

Cebu

$88 9.6% 34.2% $46

Clothing & Footwear

Đakovo

$130 10.2%

Cebu

$94 10.2% 27.7% $36

Sport & Entertainment

Đakovo

$68 5.3%

Cebu

$44 4.8% 35.9% $24

Getting Around

Đakovo

$58 4.6%

Cebu

$16 1.7% 73.2% $43

Cost Breakdown

A one-bedroom apartment in the center runs $681 in Đakovo and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Đakovo pays 293% 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: $27.00 in Đakovo vs $24.00 in Cebu. Groceries flip the comparison at $205 vs $206, with Đakovo cheaper for home cooking.

Good to know

🇭🇷 Đakovo

🇵🇭 Cebu

🕒 Local time

16:35 4:35 PM

22:35 10:35 PM

6 h ahead of Đakovo

🌤 Weather

👥 Population

16,875

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 15, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 15, 2026: 1 USD = 63.03 PHP (100 PHP = 1.59 USD). 1 EUR = 70.58 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

Lowest

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Between locations

Đakovo Cebu 10,380 km ≈ 13 h nonstop flight

From you

Đakovo
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

Đakovo vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 39% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 293% higher in Đakovo, 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: $681 in Đakovo versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,278 per month in Đakovo versus $918 in Cebu – a 39% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 248% less than in Đakovo. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,278 in Đakovo, a $1,500 budget is realistic in Cebu but tight or insufficient in Đakovo. 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 Đakovo, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Đakovo 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 39% less than in Đakovo. Beyond cost, consider language, visa policies, and how big the international community is in each city.