Last update: Oct 2026

Cost of Living Comparison Between Derna and Cebu

For one person, living is cheaper in Derna: $171 a month against $934 in Cebu, rent and utilities included – about $9,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Cebu
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Cebu Living Index

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Derna

🇱🇾 Libya

$171

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $171 in Derna versus $934 in Cebu.

Derna $171
Cebu $934

Estimated couple costs with rent: $337 in Derna versus $1,415 in Cebu.

Derna $337
Cebu $1,415

Monthly costs for a family of three with rent: $503 in Derna versus $1,896 in Cebu.

Derna $503
Cebu $1,896

Living in Derna costs roughly 82% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Derna 87% lower, Cebu 30% lower.

Meal at Budget Restaurant

$4.01 LYD 25.66

$3.03 ₱190

32.34%

Three-Course Dinner for Two, Mid-Range

$7.85 LYD 50.2

$23.48 ₱1,473

-66.57%

Fast Food Meal (McDonalds, etc)

$3.20 LYD 20.46

$4.09 ₱256

-21.76%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.48 LYD 3.08

Imported Non-Alcoholic Beer (0.33 liter bottle)

$0.65 LYD 4.15

Cappuccino

$0.45 LYD 2.88

$2.52 ₱158

-82.14%

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

$0.29 LYD 1.89

$1.54 ₱96.9

-81.17%

Water (0.33 liter bottle)

$0.49 ₱30.98

Local Beer (0.5 liter draught)

$1.79 ₱112

Imported Beer (0.33 liter bottle)

$2.26 ₱142

Milk (1 liter)

$0.72 LYD 4.63

$1.95 ₱122

-63.08%

White Bread (500g)

$1.43 ₱89.7

Rice (white) (1kg)

$2.29 LYD 14.68

$1.02 ₱63.8

124.51%

Eggs

$0.93 LYD 5.95

$2.06 ₱129

-54.85%

Local Cheese (1kg)

$9.81 ₱615

Chicken Fillets (1kg)

$3.15 LYD 20.18

$4.61 ₱289

-31.67%

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$3.31 ₱207

Banana (1kg)

$0.75 LYD 4.82

$1.45 ₱90.9

-48.28%

Oranges (1kg)

$0.96 LYD 6.14

$2.36 ₱148

-59.32%

Tomato (1kg)

$1.54 ₱96.4

Potato (1kg)

$2.36 ₱148

Onion (1kg)

$1.99 ₱125

Lettuce (1 head)

$1.15 ₱72.1

Water (1.5 liter bottle)

$0.67 ₱42.15

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$6.35 ₱398

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

Imported Beer (0.33 liter bottle)

$1.73 ₱108

One-way Ticket (Public Transport)

$0.25 ₱15.78

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.80 LYD 5.15

$0.74 ₱46.32

8.11%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

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

$21.8K ₱1.4M

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

$19.4K ₱1.2M

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

$121 ₱7,563

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

$14.45 ₱907

Internet (50+ Mbps, Unlimited Data)

$14.23 LYD 91.1

$28.29 ₱1,774

-49.70%

Gym Membership (Monthly)

$32.68 ₱2,050

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱342

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$31.11 LYD 199

$49.57 ₱3,109

-37.24%

Summer Dress (H&M, Zara, etc)

$39.65 LYD 254

$24.87 ₱1,560

59.43%

Sport Shoes (Adidas, Nike)

$38.36 LYD 245

$76.6 ₱4,804

-49.92%

Men's Leather Business Shoes

$39.17 LYD 251

$59.3 ₱3,717

-33.90%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$159 LYD 1,017

$1,052 ₱66.0K

-84.90%

3-bedroom Apartment, Outside City Center (Monthly)

$95.5 LYD 611

$619 ₱38.8K

-84.57%

Buy Apartment in City Center (m2)

$196 LYD 1,255

$2,915 ₱182.9K

-93.27%

Buy Apartment Outside City Center (m2)

$78.0 LYD 499

$1,867 ₱117.1K

-95.83%

Average Monthly Net Salary (After Tax)

$169 LYD 1,080

$341 ₱21.4K

-50.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Derna: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Derna

–

Cebu

$309 33.5%

Groceries & Markets

Derna

–

Cebu

$210 22.7%

Monthly Utilities & Internet

Derna

–

Cebu

$163 17.7%

Clothing & Footwear

Derna

–

Cebu

$95 10.2%

Eating Out

Derna

–

Cebu

$88 9.6%

Sport & Entertainment

Derna

–

Cebu

$44 4.7%

Getting Around

Derna

–

Cebu

$15 1.7%

Cost Breakdown

Cebu pays 102% 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: $8.00 in Derna vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $44.00 vs $210 per month, with Derna cheaper across the board.

Good to know

🇱🇾 Derna

🇵🇭 Cebu

🕒 Local time

07:23 7:23 AM

13:23 1:23 PM

6 h ahead of Derna

🌤 Weather

👥 Population

50,000

964,169

💱 Currency

Libyan Dinar LYD ل.د

Philippine Peso PHP ₱

📈 Exchange rate

1 LYD = 0.156 USD

1 LYD = 0.139 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to LYD – Libyan Dinar Converter

🇺🇸 United States Dollar ($)

🇱🇾 Libyan Dinar (ل.د)

Libyan Dinar exchange rates as of October 10, 2026: 1 USD = 6.4 LYD (1 LYD = 0.156 USD). 1 EUR = 7.18 LYD (1 LYD = 0.139 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 LYD in detail →

On the map

Lowest

Highest

Between locations

Derna Cebu 10,420 km ≈ 14 h nonstop flight

From you

Derna
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

Derna vs Cebu: Cost of Living - Frequently Asked Questions

Derna is cheaper overall, especially in clothing, eating out, and groceries. The 448% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 102% lower in Cebu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 375% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Derna – a meal for two runs $8.00 versus $23.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $800 a month, though Derna gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Derna is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Derna 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 Derna gentler on the wallet – expenses run 448% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.