Last update: Oct 2026

Cost of Living Comparison Between Dubrovnik and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,979 in Dubrovnik, rent and utilities included – about $12,700 less a year. Rent and utilities account for most of the difference.

97

Cost of Living Index in Dubrovnik
Learn more

Dubrovnik Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Dubrovnik

🇭🇷 Croatia

$1,979

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,979 in Dubrovnik versus $918 in Cebu.

Dubrovnik $1,979
Cebu $918

Estimated couple costs with rent: $2,933 in Dubrovnik versus $1,409 in Cebu.

Dubrovnik $2,933
Cebu $1,409

Monthly costs for a family of three with rent: $3,886 in Dubrovnik versus $1,900 in Cebu.

Dubrovnik $3,886
Cebu $1,900

Living in Dubrovnik is roughly 116% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Dubrovnik is 47% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.49 €17.33

$3.09 ₱195

530.74%

Three-Course Dinner for Two, Mid-Range

$77.3 €68.8

$24.22 ₱1,525

219.12%

Fast Food Meal (McDonalds, etc)

$12.71 €11.30

$3.92 ₱247

224.23%

Cappuccino

$4.21 €3.74

$2.51 ₱158

67.73%

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

$4.50 €4.00

$1.59 ₱100

183.02%

Water (0.33 liter bottle)

$4.49 €3.99

$0.53 ₱33.45

747.17%

Local Beer (0.5 liter draught)

$5.45 €4.85

$1.78 ₱112

206.18%

Imported Beer (0.33 liter bottle)

$7.98 €7.10

$2.17 ₱137

267.74%

Milk (1 liter)

$1.08 €0.96

$1.92 ₱121

-43.75%

White Bread (500g)

$1.21 €1.07

$1.36 ₱85.5

-11.03%

Rice (white) (1kg)

$2.30 €2.05

$1.01 ₱63.6

127.72%

Eggs

$4.18 €3.72

$2.03 ₱128

105.91%

Local Cheese (1kg)

$9.90 €8.81

$9.86 ₱621

0.41%

Chicken Fillets (1kg)

$8.96 €7.97

$4.39 ₱277

104.10%

Beef Round Steak (1kg)

$9.60 €8.54

$7.60 ₱479

26.32%

Apples (1kg)

$1.77 €1.58

$3.30 ₱208

-46.36%

Banana (1kg)

$1.36 €1.21

$1.39 ₱87.8

-2.16%

Oranges (1kg)

$1.70 €1.51

$2.33 ₱147

-27.04%

Tomato (1kg)

$2.74 €2.44

$1.50 ₱94.3

82.67%

Potato (1kg)

$0.86 €0.77

$2.36 ₱149

-63.56%

Onion (1kg)

$0.91 €0.81

$1.90 ₱119

-52.11%

Lettuce (1 head)

$1.10 €0.98

$1.19 ₱74.9

-7.56%

Water (1.5 liter bottle)

$1.25 €1.11

$0.63 ₱39.73

98.41%

Cigarettes 20 Pack (Marlboro, Camel)

$5.36 €4.76

$3.00 ₱189

78.67%

Wine (Bottle)

$4.41 €3.92

$6.03 ₱380

-26.87%

Local Beer (0.5 liter bottle)

$1.32 €1.18

$1.23 ₱77.7

7.32%

Imported Beer (0.33 liter bottle)

$2.88 €2.56

$1.75 ₱110

64.57%

One-way Ticket (Public Transport)

$2.83 €2.51

$0.25 ₱15.87

1032.00%

Public Transport Monthly Pass (Regular Price)

$54.6 €48.53

$12.64 ₱796

331.65%

Taxi Start (Normal Tariff)

$4.41 €3.92

$0.77 ₱48.64

472.73%

Taxi (Normal Tariff) (1km)

$1.22 €1.08

$0.23 ₱14.54

430.43%

Taxi 1hour Waiting (Normal Tariff)

$7.40 €6.58

$4.46 ₱281

65.92%

Gasoline (1 liter)

$1.80 €1.60

$1.31 ₱82.8

37.40%

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

$25.9K €23.0K

$21.2K ₱1.3M

21.94%

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

$25.5K €22.7K

$19.1K ₱1.2M

33.14%

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

$178 €158

$120 ₱7,573

47.64%

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

$22.58 €20.08

$14.00 ₱882

61.29%

Internet (50+ Mbps, Unlimited Data)

$42.34 €37.66

$27.54 ₱1,735

53.74%

Gym Membership (Monthly)

$70.1 €62.4

$32.33 ₱2,036

116.89%

Tennis Court (1 Hour on Weekend)

$23.39 €20.80

$6.65 ₱419

251.73%

Cinema Ticket

$8.00 €7.12

$5.65 ₱356

41.59%

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

$90.6 €80.6

$275 ₱17.3K

-67.10%

International Primary School, 1 Child (Yearly)

$6,922 €6,156

$7,918 ₱498.8K

-12.59%

Jeans (Levis 501 Or Similar)

$73.3 €65.2

$49.33 ₱3,107

48.51%

Summer Dress (H&M, Zara, etc)

$27.46 €24.42

$25.24 ₱1,590

8.80%

Sport Shoes (Adidas, Nike)

$66.3 €58.9

$77.0 ₱4,848

-13.92%

Men's Leather Business Shoes

$78.4 €69.7

$57.2 ₱3,603

36.99%

1-bedroom Apartment, City Center (Monthly)

$1,442 €1,283

$500 ₱31.5K

188.75%

1-bedroom Apartment, Outside City Center (Monthly)

$906 €805

$309 ₱19.5K

193.23%

3-bedroom Apartment, City Center (Monthly)

$1,964 €1,747

$1,078 ₱67.9K

82.22%

3-bedroom Apartment, Outside City Center (Monthly)

$1,442 €1,283

$615 ₱38.8K

134.42%

Buy Apartment in City Center (m2)

$7,912 €7,037

$2,886 ₱181.8K

174.16%

Buy Apartment Outside City Center (m2)

$4,158 €3,698

$1,917 ₱120.7K

116.93%

Average Monthly Net Salary (After Tax)

$1,437 €1,278

$346 ₱21.8K

315.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.79

7.2

-47.36%

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

Last update for Dubrovnik: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Dubrovnik

$906 45.8%

Cebu

$309 33.6% 65.9% $597

Eating Out

Dubrovnik

$324 16.4%

Cebu

$88 9.6% 72.7% $235

Monthly Utilities & Internet

Dubrovnik

$242 12.3%

Cebu

$162 17.6% 33.3% $81

Groceries & Markets

Dubrovnik

$235 11.9%

Cebu

$206 22.4% 12.2% $29

Clothing & Footwear

Dubrovnik

$110 5.6%

Cebu

$94 10.2% 14.9% $16

Sport & Entertainment

Dubrovnik

$86 4.4%

Cebu

$44 4.8% 49.3% $43

Getting Around

Dubrovnik

$76 3.9%

Cebu

$16 1.7% 79.6% $61

Cost Breakdown

A one-bedroom apartment in the center runs $1,442 in Dubrovnik and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dubrovnik pays 316% 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: $77.0 in Dubrovnik vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $235 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Dubrovnik

🇵🇭 Cebu

🕒 Local time

15:16 3:16 PM

21:16 9:16 PM

6 h ahead of Dubrovnik

🌤 Weather

👥 Population

41,562

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 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Dubrovnik Cebu 10,490 km ≈ 14 h nonstop flight

From you

Dubrovnik
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

Dubrovnik vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 116% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 316% higher in Dubrovnik, 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: $1,442 in Dubrovnik versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,979 per month in Dubrovnik versus $918 in Cebu – a 116% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 332% less than in Dubrovnik. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,979 in Dubrovnik, a $1,500 budget is realistic in Cebu but tight or insufficient in Dubrovnik. 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 Dubrovnik, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Dubrovnik 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 116% less than in Dubrovnik. Beyond cost, consider language, visa policies, and how big the international community is in each city.