Last update: Oct 2026

Cost of Living Comparison Between Farnham and Cebu

For one person, living is cheaper in Cebu: $918 a month against $3,248 in Farnham, rent and utilities included – about $28,000 less a year. Rent and utilities account for most of the difference.

159

Cost of Living Index in Farnham
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Farnham Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Farnham

🇬🇧 United Kingdom

$3,248

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,248 in Farnham versus $918 in Cebu.

Farnham $3,248
Cebu $918

Estimated couple costs with rent: $4,458 in Farnham versus $1,409 in Cebu.

Farnham $4,458
Cebu $1,409

Monthly costs for a family of three with rent: $5,667 in Farnham versus $1,900 in Cebu.

Farnham $5,667
Cebu $1,900

Living in Farnham is roughly 254% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Farnham is 141% above, Cebu is 32% below.

Meal at Budget Restaurant

$26.85 £20.14

$3.09 ₱194

768.93%

Three-Course Dinner for Two, Mid-Range

$78.0 £58.5

$24.22 ₱1,525

222.01%

Fast Food Meal (McDonalds, etc)

$17.49 £13.12

$3.92 ₱247

346.17%

Cappuccino

$6.81 £5.11

$2.51 ₱158

171.31%

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

$2.28 £1.71

$1.59 ₱100

43.40%

Water (0.33 liter bottle)

$1.64 £1.23

$0.53 ₱33.43

209.43%

Local Beer (0.5 liter draught)

$4.68 £3.51

$1.78 ₱112

162.92%

Imported Beer (0.33 liter bottle)

$6.75 £5.06

$2.17 ₱137

211.06%

Milk (1 liter)

$1.77 £1.33

$1.92 ₱121

-7.81%

White Bread (500g)

$2.12 £1.59

$1.36 ₱85.4

55.88%

Rice (white) (1kg)

$1.74 £1.30

$1.01 ₱63.5

72.28%

Eggs

$4.06 £3.05

$2.03 ₱128

100.00%

Local Cheese (1kg)

$9.12 £6.84

$9.86 ₱621

-7.51%

Chicken Fillets (1kg)

$8.76 £6.58

$4.39 ₱277

99.54%

Beef Round Steak (1kg)

$9.51 £7.13

$7.60 ₱479

25.13%

Apples (1kg)

$2.68 £2.01

$3.30 ₱208

-18.79%

Banana (1kg)

$2.58 £1.93

$1.39 ₱87.8

85.61%

Oranges (1kg)

$2.41 £1.81

$2.33 ₱147

3.43%

Tomato (1kg)

$2.46 £1.85

$1.50 ₱94.3

64.00%

Potato (1kg)

$2.24 £1.68

$2.36 ₱149

-5.08%

Onion (1kg)

$2.00 £1.50

$1.90 ₱119

5.26%

Lettuce (1 head)

$1.24 £0.93

$1.19 ₱74.9

4.20%

Water (1.5 liter bottle)

$2.76 £2.07

$0.63 ₱39.71

338.10%

Cigarettes 20 Pack (Marlboro, Camel)

$20.96 £15.72

$3.00 ₱189

598.67%

Wine (Bottle)

$12.58 £9.44

$6.03 ₱379

108.62%

Local Beer (0.5 liter bottle)

$5.31 £3.98

$1.23 ₱77.7

331.71%

Imported Beer (0.33 liter bottle)

$3.27 £2.46

$1.75 ₱110

86.86%

One-way Ticket (Public Transport)

$5.25 £3.94

$0.25 ₱15.86

2000.00%

Public Transport Monthly Pass (Regular Price)

$97.0 £72.8

$12.64 ₱796

667.56%

Taxi Start (Normal Tariff)

$4.81 £3.61

$0.77 ₱48.62

524.68%

Taxi (Normal Tariff) (1km)

$2.14 £1.60

$0.23 ₱14.53

830.43%

Taxi 1hour Waiting (Normal Tariff)

$25.31 £18.99

$4.46 ₱281

467.49%

Gasoline (1 liter)

$2.27 £1.70

$1.31 ₱82.8

73.28%

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

$37.8K £28.4K

$21.2K ₱1.3M

78.01%

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

$41.2K £30.9K

$19.1K ₱1.2M

115.13%

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

$163 £122

$120 ₱7,569

35.55%

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

$39.78 £29.84

$14.00 ₱882

184.14%

Internet (50+ Mbps, Unlimited Data)

$42.97 £32.24

$27.54 ₱1,734

56.03%

Gym Membership (Monthly)

$82.9 £62.2

$32.33 ₱2,035

156.26%

Tennis Court (1 Hour on Weekend)

$40.97 £30.74

$6.65 ₱419

516.09%

Cinema Ticket

$13.12 £9.84

$5.65 ₱356

132.21%

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

$1,563 £1,172

$275 ₱17.3K

467.61%

International Primary School, 1 Child (Yearly)

$20.4K £15.3K

$7,918 ₱498.5K

157.30%

Jeans (Levis 501 Or Similar)

$99.2 £74.4

$49.33 ₱3,106

100.99%

Summer Dress (H&M, Zara, etc)

$60.4 £45.30

$25.24 ₱1,589

139.22%

Sport Shoes (Adidas, Nike)

$145 £109

$77.0 ₱4,846

88.50%

Men's Leather Business Shoes

$98.2 £73.7

$57.2 ₱3,601

71.71%

1-bedroom Apartment, City Center (Monthly)

$1,590 £1,193

$500 ₱31.5K

218.27%

1-bedroom Apartment, Outside City Center (Monthly)

$1,858 £1,394

$309 ₱19.4K

501.55%

3-bedroom Apartment, City Center (Monthly)

$2,306 £1,730

$1,078 ₱67.9K

113.94%

3-bedroom Apartment, Outside City Center (Monthly)

$2,522 £1,892

$615 ₱38.7K

309.88%

Buy Apartment in City Center (m2)

$4,907 £3,681

$2,886 ₱181.7K

70.02%

Buy Apartment Outside City Center (m2)

$4,287 £3,216

$1,917 ₱120.7K

123.69%

Average Monthly Net Salary (After Tax)

$1,886 £1,415

$346 ₱21.8K

445.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.08

7.2

-29.44%

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

Last update for Farnham: 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

Farnham

$1.9K 57.2%

Cebu

$309 33.6% 83.4% $1.5K

Eating Out

Farnham

$402 12.4%

Cebu

$88 9.6% 78% $313

Groceries & Markets

Farnham

$320 9.8%

Cebu

$206 22.4% 35.6% $114

Monthly Utilities & Internet

Farnham

$246 7.6%

Cebu

$162 17.6% 34.2% $84

Clothing & Footwear

Farnham

$181 5.6%

Cebu

$94 10.2% 48.2% $87

Getting Around

Farnham

$134 4.1%

Cebu

$16 1.7% 88.3% $118

Sport & Entertainment

Farnham

$109 3.4%

Cebu

$44 4.8% 60% $65

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Farnham and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Farnham pays 445% 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: $78.0 in Farnham vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $320 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Farnham

🇵🇭 Cebu

🕒 Local time

03:40 3:40 AM

10:40 10:40 AM

7 h ahead of Farnham

🌤 Weather

👥 Population

36,971

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 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 20, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GBP in detail →

On the map

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Between locations

Farnham Cebu 11,370 km ≈ 15 h nonstop flight

From you

Farnham
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

Farnham vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 254% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 445% higher in Farnham, 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: $1,590 in Farnham versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $3,248 per month in Farnham versus $918 in Cebu – a 254% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 668% less than in Farnham. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $3,248 in Farnham, a $1,500 budget is realistic in Cebu but tight or insufficient in Farnham. 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 Farnham, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Farnham 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 254% less than in Farnham. Beyond cost, consider language, visa policies, and how big the international community is in each city.