Last update: Oct 2026

Cost of Living Comparison Between Fermoy and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,397 in Fermoy, rent and utilities included – about $17,700 less a year. Rent and utilities account for most of the difference.

124

Cost of Living Index in Fermoy
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Fermoy Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Fermoy

🇮🇪 Ireland

$2,397

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,397 in Fermoy versus $918 in Cebu.

Fermoy $2,397
Cebu $918

Estimated couple costs with rent: $3,554 in Fermoy versus $1,409 in Cebu.

Fermoy $3,554
Cebu $1,409

Monthly costs for a family of three with rent: $4,712 in Fermoy versus $1,900 in Cebu.

Fermoy $4,712
Cebu $1,900

Living in Fermoy is roughly 161% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Fermoy is 78% above, Cebu is 32% below.

Meal at Budget Restaurant

$12.12 €10.78

$3.09 ₱195

292.23%

Three-Course Dinner for Two, Mid-Range

$68.0 €60.4

$24.22 ₱1,525

180.59%

Fast Food Meal (McDonalds, etc)

$10.07 €8.96

$3.92 ₱247

156.89%

Cappuccino

$3.65 €3.24

$2.51 ₱158

45.42%

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

$2.17 €1.93

$1.59 ₱100

36.48%

Water (0.33 liter bottle)

$1.74 €1.55

$0.53 ₱33.45

228.30%

Local Beer (0.5 liter draught)

$4.59 €4.08

$1.78 ₱112

157.87%

Imported Beer (0.33 liter bottle)

$5.43 €4.83

$2.17 ₱137

150.23%

Milk (1 liter)

$1.59 €1.42

$1.92 ₱121

-17.19%

White Bread (500g)

$2.02 €1.80

$1.36 ₱85.5

48.53%

Rice (white) (1kg)

$1.14 €1.02

$1.01 ₱63.6

12.87%

Eggs

$4.88 €4.34

$2.03 ₱128

140.39%

Local Cheese (1kg)

$10.17 €9.04

$9.86 ₱621

3.14%

Chicken Fillets (1kg)

$12.85 €11.43

$4.39 ₱277

192.71%

Beef Round Steak (1kg)

$16.25 €14.45

$7.60 ₱479

113.82%

Apples (1kg)

$2.79 €2.48

$3.30 ₱208

-15.45%

Banana (1kg)

$2.29 €2.03

$1.39 ₱87.8

64.75%

Oranges (1kg)

$2.71 €2.41

$2.33 ₱147

16.31%

Tomato (1kg)

$5.29 €4.70

$1.50 ₱94.3

252.67%

Potato (1kg)

$1.85 €1.64

$2.36 ₱149

-21.61%

Onion (1kg)

$1.51 €1.35

$1.90 ₱119

-20.53%

Lettuce (1 head)

$1.32 €1.17

$1.19 ₱74.9

10.92%

Water (1.5 liter bottle)

$2.07 €1.84

$0.63 ₱39.73

228.57%

Cigarettes 20 Pack (Marlboro, Camel)

$19.24 €17.11

$3.00 ₱189

541.33%

Wine (Bottle)

$11.26 €10.01

$6.03 ₱380

86.73%

Local Beer (0.5 liter bottle)

$3.37 €3.00

$1.23 ₱77.7

173.98%

Imported Beer (0.33 liter bottle)

$3.45 €3.07

$1.75 ₱110

97.14%

One-way Ticket (Public Transport)

$2.63 €2.34

$0.25 ₱15.87

952.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$5.01 €4.45

$0.77 ₱48.64

550.65%

Taxi (Normal Tariff) (1km)

$1.55 €1.38

$0.23 ₱14.54

573.91%

Taxi 1hour Waiting (Normal Tariff)

$38.20 €33.97

$4.46 ₱281

756.50%

Gasoline (1 liter)

$1.86 €1.65

$1.31 ₱82.8

41.98%

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

$38.1K €33.9K

$21.2K ₱1.3M

79.33%

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

$39.7K €35.3K

$19.1K ₱1.2M

107.24%

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

$278 €247

$120 ₱7,573

131.34%

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

$18.10 €16.10

$14.00 ₱882

29.29%

Internet (50+ Mbps, Unlimited Data)

$51.6 €45.86

$27.54 ₱1,735

87.25%

Gym Membership (Monthly)

$58.9 €52.4

$32.33 ₱2,036

82.09%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$15.60 €13.87

$5.65 ₱356

176.11%

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

$1,282 €1,140

$275 ₱17.3K

365.57%

International Primary School, 1 Child (Yearly)

$5,425 €4,825

$7,918 ₱498.8K

-31.49%

Jeans (Levis 501 Or Similar)

$107 €95.2

$49.33 ₱3,107

116.99%

Summer Dress (H&M, Zara, etc)

$51.0 €45.33

$25.24 ₱1,590

101.94%

Sport Shoes (Adidas, Nike)

$114 €101

$77.0 ₱4,848

48.26%

Men's Leather Business Shoes

$129 €114

$57.2 ₱3,603

124.67%

1-bedroom Apartment, City Center (Monthly)

$1,556 €1,384

$500 ₱31.5K

211.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,181 €1,051

$309 ₱19.5K

282.57%

3-bedroom Apartment, City Center (Monthly)

$2,578 €2,293

$1,078 ₱67.9K

139.21%

3-bedroom Apartment, Outside City Center (Monthly)

$2,120 €1,885

$615 ₱38.8K

244.57%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$1,707 €1,518

$346 ₱21.8K

393.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.82

7.2

-46.94%

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

Last update for Fermoy: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Fermoy

$1.2K 49.3%

Cebu

$309 33.6% 73.9% $873

Groceries & Markets

Fermoy

$354 14.8%

Cebu

$206 22.4% 41.8% $148

Monthly Utilities & Internet

Fermoy

$348 14.5%

Cebu

$162 17.6% 53.5% $186

Eating Out

Fermoy

$220 9.2%

Cebu

$88 9.6% 59.9% $132

Clothing & Footwear

Fermoy

$180 7.5%

Cebu

$94 10.2% 47.9% $86

Sport & Entertainment

Fermoy

$90 3.8%

Cebu

$44 4.8% 51.6% $46

Getting Around

Fermoy

$23 * 1%

Cebu

$16 1.7% 33.2% $7.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,556 in Fermoy and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Fermoy pays 393% 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: $68.0 in Fermoy vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $354 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇪 Fermoy

🇵🇭 Cebu

🕒 Local time

15:38 3:38 PM

22:38 10:38 PM

7 h ahead of Fermoy

🌤 Weather

👥 Population

6,500

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

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Between locations

Fermoy Cebu 11,710 km ≈ 15 h nonstop flight

From you

Fermoy
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

Fermoy vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 161% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 393% higher in Fermoy, 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: $1,556 in Fermoy versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 72% higher in Fermoy. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,397 per month in Fermoy versus $918 in Cebu – a 161% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,397 in Fermoy, a $1,500 budget is realistic in Cebu but tight or insufficient in Fermoy. 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 Fermoy, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Fermoy 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 161% less than in Fermoy. Beyond cost, consider language, visa policies, and how big the international community is in each city.