Last update: Oct 2026

Cost of Living Comparison Between Dharwad and Cebu

For one person, living is cheaper in Dharwad: $371 a month against $918 in Cebu, rent and utilities included – about $6,600 less a year. Rent and utilities account for most of the difference.

18

Cost of Living Index in Dharwad
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Dharwad Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Dharwad

🇮🇳 India

$371

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $371 in Dharwad versus $918 in Cebu.

Dharwad $371
Cebu $918

Estimated couple costs with rent: $582 in Dharwad versus $1,409 in Cebu.

Dharwad $582
Cebu $1,409

Monthly costs for a family of three with rent: $792 in Dharwad versus $1,900 in Cebu.

Dharwad $792
Cebu $1,900

Living in Dharwad costs roughly 60% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Dharwad 73% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.36 ₹319

$3.09 ₱194

8.74%

Three-Course Dinner for Two, Mid-Range

$7.16 ₹680

$24.22 ₱1,525

-70.44%

Fast Food Meal (McDonalds, etc)

$4.21 ₹399

$3.92 ₱247

7.40%

Cappuccino

$1.59 ₹151

$2.51 ₱158

-36.65%

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

$0.37 ₹35.23

$1.59 ₱100

-76.73%

Water (0.33 liter bottle)

$0.11 ₹10.01

$0.53 ₱33.43

-79.25%

Local Beer (0.5 liter draught)

$1.56 ₹148

$1.78 ₱112

-12.36%

Imported Beer (0.33 liter bottle)

$3.22 ₹305

$2.17 ₱137

48.39%

Milk (1 liter)

$0.67 ₹63.7

$1.92 ₱121

-65.10%

White Bread (500g)

$0.47 ₹44.20

$1.36 ₱85.4

-65.44%

Rice (white) (1kg)

$0.62 ₹58.8

$1.01 ₱63.5

-38.61%

Eggs

$0.85 ₹80.4

$2.03 ₱128

-58.13%

Local Cheese (1kg)

$4.14 ₹393

$9.86 ₱621

-58.01%

Chicken Fillets (1kg)

$2.78 ₹264

$4.39 ₱277

-36.67%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$1.91 ₹181

$3.30 ₱208

-42.12%

Banana (1kg)

$0.63 ₹59.5

$1.39 ₱87.8

-54.68%

Oranges (1kg)

$0.94 ₹89.7

$2.33 ₱147

-59.66%

Tomato (1kg)

$0.48 ₹45.73

$1.50 ₱94.3

-68.00%

Potato (1kg)

$0.32 ₹30.02

$2.36 ₱149

-86.44%

Onion (1kg)

$0.36 ₹34.58

$1.90 ₱119

-81.05%

Lettuce (1 head)

$0.47 ₹44.62

$1.19 ₱74.9

-60.50%

Water (1.5 liter bottle)

$0.31 ₹29.46

$0.63 ₱39.71

-50.79%

Cigarettes 20 Pack (Marlboro, Camel)

$5.38 ₹511

$3.00 ₱189

79.33%

Wine (Bottle)

$7.27 ₹690

$6.03 ₱379

20.56%

Local Beer (0.5 liter bottle)

$1.41 ₹134

$1.23 ₱77.7

14.63%

Imported Beer (0.33 liter bottle)

$2.40 ₹228

$1.75 ₱110

37.14%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.93 ₹468

One-way Ticket (Public Transport)

$0.25 ₹23.59

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$7.80 ₹741

$12.64 ₱796

-38.29%

Taxi Start (Normal Tariff)

$0.80 ₹75.8

$0.77 ₱48.62

3.90%

Taxi (Normal Tariff) (1km)

$0.25 ₹24.12

$0.23 ₱14.53

8.70%

Taxi 1hour Waiting (Normal Tariff)

$1.50 ₹142

$4.46 ₱281

-66.37%

Gasoline (1 liter)

$1.18 ₹112

$1.31 ₱82.8

-9.92%

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

$13.3K ₹1.3M

$21.2K ₱1.3M

-37.40%

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

$17.1K ₹1.6M

$19.1K ₱1.2M

-10.46%

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

$34.48 ₹3,275

$120 ₱7,569

-71.32%

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

$3.09 ₹293

$14.00 ₱882

-77.93%

Internet (50+ Mbps, Unlimited Data)

$5.62 ₹533

$27.54 ₱1,734

-79.59%

Gym Membership (Monthly)

$13.87 ₹1,317

$32.33 ₱2,035

-57.10%

Tennis Court (1 Hour on Weekend)

$6.56 ₹623

$6.65 ₱419

-1.35%

Cinema Ticket

$2.95 ₹280

$5.65 ₱356

-47.79%

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

$47.71 ₹4,531

$275 ₱17.3K

-82.67%

International Primary School, 1 Child (Yearly)

$1,388 ₹131.8K

$7,918 ₱498.5K

-82.47%

Jeans (Levis 501 Or Similar)

$24.78 ₹2,353

$49.33 ₱3,106

-49.77%

Summer Dress (H&M, Zara, etc)

$21.34 ₹2,026

$25.24 ₱1,589

-15.45%

Sport Shoes (Adidas, Nike)

$42.91 ₹4,075

$77.0 ₱4,846

-44.24%

Men's Leather Business Shoes

$27.61 ₹2,622

$57.2 ₱3,601

-51.73%

1-bedroom Apartment, City Center (Monthly)

$122 ₹11.5K

$500 ₱31.5K

-75.67%

1-bedroom Apartment, Outside City Center (Monthly)

$73.6 ₹6,985

$309 ₱19.4K

-76.18%

3-bedroom Apartment, City Center (Monthly)

$258 ₹24.5K

$1,078 ₱67.9K

-76.06%

3-bedroom Apartment, Outside City Center (Monthly)

$169 ₹16.0K

$615 ₱38.7K

-72.54%

Buy Apartment in City Center (m2)

$961 ₹91.3K

$2,886 ₱181.7K

-66.70%

Buy Apartment Outside City Center (m2)

$469 ₹44.5K

$1,917 ₱120.7K

-75.55%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

8.86

7.2

23.06%

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

Last update for Dharwad: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Dharwad

$97 26%

Cebu

$206 22.4% 113% $109

Eating Out

Dharwad

$75 20.1%

Cebu

$88 9.6% 18.2% $14

Accommodation & Living

Dharwad

$74 19.8%

Cebu

$309 33.6% 320% $235

Clothing & Footwear

Dharwad

$52 14.1%

Cebu

$94 10.2% 78.9% $41

Monthly Utilities & Internet

Dharwad

$43 11.6%

Cebu

$162 17.6% 275% $119

Sport & Entertainment

Dharwad

$20 5.3%

Cebu

$44 4.8% 121% $24

Getting Around

Dharwad

$11 2.9%

Cebu

$16 1.7% 43.4% $4.7

Cost Breakdown

A one-bedroom apartment in the center runs $122 in Dharwad and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $7.00 in Dharwad vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $97.0 vs $206 per month, with Dharwad cheaper across the board.

Good to know

🇮🇳 Dharwad

🇵🇭 Cebu

🕒 Local time

13:07 1:07 PM

15:37 3:37 PM

2 h 30 min ahead of Dharwad

🌤 Weather

👥 Population

100,000

964,169

💱 Currency

Indian Rupee INR ₹

Philippine Peso PHP ₱

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 19, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

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 INR in detail →

On the map

Lowest

Highest

Between locations

Dharwad Cebu 5,320 km ≈ 7 h nonstop flight

From you

Dharwad
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

Dharwad vs Cebu: Cost of Living - Frequently Asked Questions

Dharwad is cheaper overall, especially in groceries, eating out, and clothing. The 147% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $557 in Dharwad and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $122 in Dharwad versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $371 per month in Dharwad versus $918 in Cebu – a 147% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 62% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Dharwad gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Dharwad 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, Dharwad 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 Dharwad gentler on the wallet – expenses run 147% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.