Last update: Oct 2026

Cost of Living Comparison Between Fano and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,824 in Fano, rent and utilities included – about $10,900 less a year. Other living expenses account for most of the difference.

89

Cost of Living Index in Fano
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Fano Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Fano

🇮🇹 Italy

$1,824

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,824 in Fano versus $918 in Cebu.

Fano $1,824
Cebu $918

Estimated couple costs with rent: $2,612 in Fano versus $1,409 in Cebu.

Fano $2,612
Cebu $1,409

Monthly costs for a family of three with rent: $3,400 in Fano versus $1,900 in Cebu.

Fano $3,400
Cebu $1,900

Living in Fano is roughly 99% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Fano is 35% above, Cebu is 32% below.

Meal at Budget Restaurant

$20.29 €18.05

$3.09 ₱194

556.63%

Three-Course Dinner for Two, Mid-Range

$56.8 €50.5

$24.22 ₱1,525

134.35%

Fast Food Meal (McDonalds, etc)

$14.68 €13.06

$3.92 ₱247

274.49%

Cappuccino

$1.99 €1.77

$2.51 ₱158

-20.72%

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

$3.04 €2.70

$1.59 ₱100

91.19%

Water (0.33 liter bottle)

$1.33 €1.18

$0.53 ₱33.43

150.94%

Local Beer (0.5 liter draught)

$5.42 €4.82

$1.78 ₱112

204.49%

Imported Beer (0.33 liter bottle)

$5.47 €4.87

$2.17 ₱137

152.07%

Milk (1 liter)

$1.87 €1.66

$1.92 ₱121

-2.60%

White Bread (500g)

$2.53 €2.25

$1.36 ₱85.4

86.03%

Rice (white) (1kg)

$2.91 €2.58

$1.01 ₱63.5

188.12%

Eggs

$4.67 €4.15

$2.03 ₱128

130.05%

Local Cheese (1kg)

$26.17 €23.27

$9.86 ₱621

165.42%

Chicken Fillets (1kg)

$11.99 €10.66

$4.39 ₱277

173.12%

Beef Round Steak (1kg)

$25.31 €22.52

$7.60 ₱479

233.03%

Apples (1kg)

$2.92 €2.60

$3.30 ₱208

-11.52%

Banana (1kg)

$2.59 €2.30

$1.39 ₱87.8

86.33%

Oranges (1kg)

$3.38 €3.01

$2.33 ₱147

45.06%

Tomato (1kg)

$2.73 €2.43

$1.50 ₱94.3

82.00%

Potato (1kg)

$2.35 €2.09

$2.36 ₱149

-0.42%

Onion (1kg)

$1.83 €1.63

$1.90 ₱119

-3.68%

Lettuce (1 head)

$1.88 €1.67

$1.19 ₱74.9

57.98%

Water (1.5 liter bottle)

$0.47 €0.42

$0.63 ₱39.71

-25.40%

Cigarettes 20 Pack (Marlboro, Camel)

$6.37 €5.66

$3.00 ₱189

112.33%

Wine (Bottle)

$7.91 €7.04

$6.03 ₱379

31.18%

Local Beer (0.5 liter bottle)

$1.94 €1.73

$1.23 ₱77.7

57.72%

Imported Beer (0.33 liter bottle)

$3.10 €2.76

$1.75 ₱110

77.14%

One-way Ticket (Public Transport)

$2.60 €2.31

$0.25 ₱15.86

940.00%

Public Transport Monthly Pass (Regular Price)

$59.8 €53.2

$12.64 ₱796

373.42%

Taxi Start (Normal Tariff)

$3.74 €3.33

$0.77 ₱48.62

385.71%

Taxi (Normal Tariff) (1km)

$1.25 €1.11

$0.23 ₱14.53

443.48%

Taxi 1hour Waiting (Normal Tariff)

$30.87 €27.46

$4.46 ₱281

592.15%

Gasoline (1 liter)

$2.09 €1.86

$1.31 ₱82.8

59.54%

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

$36.9K €32.8K

$21.2K ₱1.3M

73.56%

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

$35.6K €31.7K

$19.1K ₱1.2M

86.14%

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

$246 €218

$120 ₱7,569

104.23%

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

$8.40 €7.47

$14.00 ₱882

-40.00%

Internet (50+ Mbps, Unlimited Data)

$33.54 €29.83

$27.54 ₱1,734

21.79%

Gym Membership (Monthly)

$61.0 €54.3

$32.33 ₱2,035

88.74%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$10.12 €9.00

$5.65 ₱356

79.12%

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

$744 €662

$275 ₱17.3K

170.40%

International Primary School, 1 Child (Yearly)

$16.5K €14.7K

$7,918 ₱498.5K

109.00%

Jeans (Levis 501 Or Similar)

$55.5 €49.33

$49.33 ₱3,106

12.43%

Summer Dress (H&M, Zara, etc)

$39.68 €35.30

$25.24 ₱1,589

57.21%

Sport Shoes (Adidas, Nike)

$105 €93.8

$77.0 ₱4,846

37.06%

Men's Leather Business Shoes

$78.6 €69.9

$57.2 ₱3,601

37.41%

1-bedroom Apartment, City Center (Monthly)

$647 €575

$500 ₱31.5K

29.45%

1-bedroom Apartment, Outside City Center (Monthly)

$562 €500

$309 ₱19.4K

81.87%

3-bedroom Apartment, City Center (Monthly)

$898 €799

$1,078 ₱67.9K

-16.64%

3-bedroom Apartment, Outside City Center (Monthly)

$681 €605

$615 ₱38.7K

10.61%

Buy Apartment in City Center (m2)

$3,395 €3,020

$2,886 ₱181.7K

17.63%

Buy Apartment Outside City Center (m2)

$2,247 €1,999

$1,917 ₱120.7K

17.23%

Average Monthly Net Salary (After Tax)

$1,951 €1,736

$346 ₱21.8K

463.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-58.33%

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

Last update for Fano: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Fano

$562 30.8%

Cebu

$309 33.6% 45% $253

Groceries & Markets

Fano

$402 22%

Cebu

$206 22.4% 48.7% $196

Monthly Utilities & Internet

Fano

$287 15.8%

Cebu

$162 17.6% 43.7% $126

Eating Out

Fano

$286 15.7%

Cebu

$88 9.6% 69.1% $197

Clothing & Footwear

Fano

$126 6.9%

Cebu

$94 10.2% 25.2% $32

Sport & Entertainment

Fano

$81 4.5%

Cebu

$44 4.8% 46.3% $38

Getting Around

Fano

$80 4.4%

Cebu

$16 1.7% 80.6% $65

Cost Breakdown

A one-bedroom apartment in the center runs $647 in Fano and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Fano pays 464% 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: $57.0 in Fano vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $402 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Fano

🇵🇭 Cebu

🕒 Local time

17:28 5:28 PM

23:28 11:28 PM

6 h ahead of Fano

🌤 Weather

👥 Population

57,529

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 = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Fano Cebu 10,830 km ≈ 14 h nonstop flight

From you

Fano
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

Fano vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 99% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 464% higher in Fano, 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: $647 in Fano versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,824 per month in Fano versus $918 in Cebu – a 99% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 373% less than in Fano. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,824 in Fano, a $1,500 budget is realistic in Cebu but tight or insufficient in Fano. 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 Fano, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Fano 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 99% less than in Fano. Beyond cost, consider language, visa policies, and how big the international community is in each city.