Last update: Oct 2026

Cost of Living Comparison Between Derby and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,167 in Derby, rent and utilities included – about $14,800 less a year. Rent and utilities account for about half of the difference.

106

Cost of Living Index in Derby
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Derby Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Derby

🇬🇧 United Kingdom

$2,167

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,167 in Derby versus $934 in Cebu.

Derby $2,167
Cebu $934

Estimated couple costs with rent: $3,327 in Derby versus $1,415 in Cebu.

Derby $3,327
Cebu $1,415

Monthly costs for a family of three with rent: $4,486 in Derby versus $1,896 in Cebu.

Derby $4,486
Cebu $1,896

Living in Derby is roughly 132% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Derby is 62% above, Cebu is 30% below.

Meal at Budget Restaurant

$26.91 £20.33

$3.03 ₱190

788.12%

Three-Course Dinner for Two, Mid-Range

$94.2 £71.2

$23.48 ₱1,473

301.11%

Fast Food Meal (McDonalds, etc)

$10.43 £7.88

$4.09 ₱256

155.01%

Cappuccino

$4.99 £3.77

$2.52 ₱158

98.02%

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

$2.61 £1.98

$1.54 ₱96.9

69.48%

Water (0.33 liter bottle)

$1.96 £1.48

$0.49 ₱30.98

300.00%

Local Beer (0.5 liter draught)

$6.44 £4.87

$1.79 ₱112

259.78%

Imported Beer (0.33 liter bottle)

$7.27 £5.49

$2.26 ₱142

221.68%

Milk (1 liter)

$1.55 £1.18

$1.95 ₱122

-20.51%

White Bread (500g)

$1.43 £1.08

$1.43 ₱89.7

Rice (white) (1kg)

$2.38 £1.79

$1.02 ₱63.8

133.33%

Eggs

$3.79 £2.87

$2.06 ₱129

83.98%

Local Cheese (1kg)

$8.33 £6.30

$9.81 ₱615

-15.09%

Chicken Fillets (1kg)

$8.28 £6.26

$4.61 ₱289

79.61%

Beef Round Steak (1kg)

$23.21 £17.54

$7.70 ₱483

201.43%

Apples (1kg)

$5.35 £4.04

$3.31 ₱207

61.63%

Banana (1kg)

$2.82 £2.13

$1.45 ₱90.9

94.48%

Oranges (1kg)

$3.08 £2.33

$2.36 ₱148

30.51%

Tomato (1kg)

$3.66 £2.76

$1.54 ₱96.4

137.66%

Potato (1kg)

$1.47 £1.11

$2.36 ₱148

-37.71%

Onion (1kg)

$1.60 £1.21

$1.99 ₱125

-19.60%

Lettuce (1 head)

$1.05 £0.79

$1.15 ₱72.1

-8.70%

Water (1.5 liter bottle)

$1.36 £1.03

$0.67 ₱42.15

102.99%

Cigarettes 20 Pack (Marlboro, Camel)

$23.53 £17.78

$3.00 ₱188

684.33%

Wine (Bottle)

$10.47 £7.91

$6.35 ₱398

64.88%

Local Beer (0.5 liter bottle)

$3.13 £2.37

$1.31 ₱81.9

138.93%

Imported Beer (0.33 liter bottle)

$3.55 £2.68

$1.73 ₱108

105.20%

One-way Ticket (Public Transport)

$2.91 £2.20

$0.25 ₱15.78

1064.00%

Public Transport Monthly Pass (Regular Price)

$90.0 £68.0

$12.65 ₱793

611.46%

Taxi Start (Normal Tariff)

$4.38 £3.31

$0.74 ₱46.32

491.89%

Taxi (Normal Tariff) (1km)

$1.66 £1.25

$0.21 ₱13.11

690.48%

Taxi 1hour Waiting (Normal Tariff)

$32.34 £24.44

$4.33 ₱271

646.88%

Gasoline (1 liter)

$2.01 £1.52

$1.33 ₱83.5

51.13%

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

$38.0K £28.7K

$21.8K ₱1.4M

74.39%

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

$39.7K £30.0K

$19.4K ₱1.2M

104.68%

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

$367 £277

$121 ₱7,563

204.30%

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

$19.46 £14.70

$14.45 ₱907

34.67%

Internet (50+ Mbps, Unlimited Data)

$40.48 £30.59

$28.29 ₱1,774

43.09%

Gym Membership (Monthly)

$44.27 £33.45

$32.68 ₱2,050

35.47%

Tennis Court (1 Hour on Weekend)

$26.00 £19.65

$6.39 ₱401

306.89%

Cinema Ticket

$15.41 £11.64

$5.46 ₱342

182.23%

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

$1,808 £1,366

$273 ₱17.1K

561.25%

International Primary School, 1 Child (Yearly)

$20.3K £15.4K

$8,156 ₱511.5K

149.22%

Jeans (Levis 501 Or Similar)

$113 £85.7

$49.57 ₱3,109

128.83%

Summer Dress (H&M, Zara, etc)

$56.6 £42.78

$24.87 ₱1,560

127.62%

Sport Shoes (Adidas, Nike)

$84.4 £63.8

$76.6 ₱4,804

10.25%

Men's Leather Business Shoes

$98.5 £74.5

$59.3 ₱3,717

66.27%

1-bedroom Apartment, City Center (Monthly)

$804 £608

$506 ₱31.7K

59.05%

1-bedroom Apartment, Outside City Center (Monthly)

$720 £544

$309 ₱19.4K

132.66%

3-bedroom Apartment, City Center (Monthly)

$1,576 £1,191

$1,052 ₱66.0K

49.84%

3-bedroom Apartment, Outside City Center (Monthly)

$1,345 £1,016

$619 ₱38.8K

117.30%

Buy Apartment in City Center (m2)

$5,789 £4,375

$2,915 ₱182.9K

98.57%

Buy Apartment Outside City Center (m2)

$3,100 £2,343

$1,867 ₱117.1K

66.03%

Average Monthly Net Salary (After Tax)

$3,570 £2,698

$341 ₱21.4K

946.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.88

7.2

-32.22%

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

Last update for Derby: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Derby

$720 32.7%

Cebu

$309 33.5% 57% $410

Monthly Utilities & Internet

Derby

$427 19.4%

Cebu

$163 17.7% 61.7% $264

Eating Out

Derby

$371 16.9%

Cebu

$88 9.6% 76.2% $283

Groceries & Markets

Derby

$337 15.3%

Cebu

$210 22.7% 37.5% $126

Clothing & Footwear

Derby

$159 7.2%

Cebu

$95 10.2% 40.4% $64

Getting Around

Derby

$114 5.2%

Cebu

$15 1.7% 86.5% $99

Sport & Entertainment

Derby

$75 3.4%

Cebu

$44 4.7% 41.9% $31

Cost Breakdown

A one-bedroom apartment in the center runs $804 in Derby and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Derby pays 947% 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: $94.0 in Derby vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $337 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Derby

🇵🇭 Cebu

🕒 Local time

04:07 4:07 AM

11:07 11:07 AM

7 h ahead of Derby

🌤 Weather

👥 Population

233,700

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 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 10, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.848 GBP (1 GBP = 1.18 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to GBP in detail →

On the map

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Highest

Between locations

Derby Cebu 11,300 km ≈ 15 h nonstop flight

From you

Derby
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

Derby vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 132% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 947% higher in Derby, 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: $804 in Derby versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,167 per month in Derby versus $934 in Cebu – a 132% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 611% less than in Derby. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,167 in Derby, a $1,500 budget is realistic in Cebu but tight or insufficient in Derby. 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 Derby, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Derby 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 132% less than in Derby. Beyond cost, consider language, visa policies, and how big the international community is in each city.