Last update: Oct 2026

Cost of Living Comparison Between Ferrol and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,385 in Ferrol, rent and utilities included – about $5,600 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Ferrol
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Ferrol Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Ferrol

🇪🇸 Spain

$1,385

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,385 in Ferrol versus $918 in Cebu.

Ferrol $1,385
Cebu $918

Estimated couple costs with rent: $2,063 in Ferrol versus $1,409 in Cebu.

Ferrol $2,063
Cebu $1,409

Monthly costs for a family of three with rent: $2,741 in Ferrol versus $1,900 in Cebu.

Ferrol $2,741
Cebu $1,900

Living in Ferrol is roughly 51% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ferrol is 3% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.78 €14.93

$3.09 ₱194

443.04%

Three-Course Dinner for Two, Mid-Range

$43.86 €39.01

$24.22 ₱1,525

81.09%

Fast Food Meal (McDonalds, etc)

$14.47 €12.87

$3.92 ₱247

269.13%

Cappuccino

$1.71 €1.52

$2.51 ₱158

-31.87%

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

$2.74 €2.44

$1.59 ₱100

72.33%

Water (0.33 liter bottle)

$2.27 €2.02

$0.53 ₱33.43

328.30%

Local Beer (0.5 liter draught)

$2.85 €2.53

$1.78 ₱112

60.11%

Imported Beer (0.33 liter bottle)

$2.77 €2.46

$2.17 ₱137

27.65%

Milk (1 liter)

$1.07 €0.95

$1.92 ₱121

-44.27%

White Bread (500g)

$1.15 €1.02

$1.36 ₱85.4

-15.44%

Rice (white) (1kg)

$2.26 €2.01

$1.01 ₱63.5

123.76%

Eggs

$3.97 €3.53

$2.03 ₱128

95.57%

Local Cheese (1kg)

$11.04 €9.82

$9.86 ₱621

11.97%

Chicken Fillets (1kg)

$8.96 €7.97

$4.39 ₱277

104.10%

Beef Round Steak (1kg)

$11.35 €10.10

$7.60 ₱479

49.34%

Apples (1kg)

$2.29 €2.04

$3.30 ₱208

-30.61%

Banana (1kg)

$1.65 €1.47

$1.39 ₱87.8

18.71%

Oranges (1kg)

$2.21 €1.96

$2.33 ₱147

-5.15%

Tomato (1kg)

$2.17 €1.93

$1.50 ₱94.3

44.67%

Potato (1kg)

$1.68 €1.50

$2.36 ₱149

-28.81%

Onion (1kg)

$1.11 €0.99

$1.90 ₱119

-41.58%

Lettuce (1 head)

$1.68 €1.50

$1.19 ₱74.9

41.18%

Water (1.5 liter bottle)

$0.54 €0.48

$0.63 ₱39.71

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

Wine (Bottle)

$4.33 €3.85

$6.03 ₱379

-28.19%

Local Beer (0.5 liter bottle)

$1.14 €1.01

$1.23 ₱77.7

-7.32%

Imported Beer (0.33 liter bottle)

$1.69 €1.51

$1.75 ₱110

-3.43%

One-way Ticket (Public Transport)

$1.46 €1.30

$0.25 ₱15.86

484.00%

Public Transport Monthly Pass (Regular Price)

$24.74 €22.01

$12.64 ₱796

95.73%

Taxi Start (Normal Tariff)

$4.74 €4.22

$0.77 ₱48.62

515.58%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.88 €1.68

$1.31 ₱82.8

43.51%

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

$32.9K €29.3K

$21.2K ₱1.3M

54.87%

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

$29.6K €26.4K

$19.1K ₱1.2M

54.77%

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

$93.3 €83.0

$120 ₱7,569

-22.38%

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

$22.23 €19.78

$14.00 ₱882

58.79%

Internet (50+ Mbps, Unlimited Data)

$44.05 €39.18

$27.54 ₱1,734

59.95%

Gym Membership (Monthly)

$38.35 €34.11

$32.33 ₱2,035

18.62%

Tennis Court (1 Hour on Weekend)

$8.97 €7.98

$6.65 ₱419

34.89%

Cinema Ticket

$8.85 €7.88

$5.65 ₱356

56.64%

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

$275 ₱17.3K

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

Men's Leather Business Shoes

$57.2 ₱3,601

1-bedroom Apartment, City Center (Monthly)

$892 €793

$500 ₱31.5K

78.50%

1-bedroom Apartment, Outside City Center (Monthly)

$658 €585

$309 ₱19.4K

113.11%

3-bedroom Apartment, City Center (Monthly)

$1,538 €1,368

$1,078 ₱67.9K

42.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,101 €979

$615 ₱38.7K

78.98%

Buy Apartment in City Center (m2)

$1,658 €1,475

$2,886 ₱181.7K

-42.54%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$1,534 €1,364

$346 ₱21.8K

343.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.5

7.2

-51.39%

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

Last update for Ferrol: 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

Ferrol

$658 47.5%

Cebu

$309 33.6% 53.1% $349

Groceries & Markets

Ferrol

$238 17.2%

Cebu

$206 22.4% 13.6% $33

Eating Out

Ferrol

$238 17.2%

Cebu

$88 9.6% 62.9% $150

Monthly Utilities & Internet

Ferrol

$160 11.5%

Cebu

$162 17.6% 1.4% $2.2

Sport & Entertainment

Ferrol

$56 4.1%

Cebu

$44 4.8% 22.2% $12

Getting Around

Ferrol

$35 * 2.6%

Cebu

$16 1.7% 55.9% $20

Clothing & Footwear

Ferrol

- * 0%

Cebu

$94 10.2%

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 $892 in Ferrol and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Ferrol pays 343% 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: $44.00 in Ferrol vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $238 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇪🇸 Ferrol

🇵🇭 Cebu

🕒 Local time

22:10 10:10 PM

04:10 4:10 AM

6 h ahead of Ferrol

🌤 Weather

👥 Population

63,890

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

Ferrol Cebu 12,330 km ≈ 16 h nonstop flight

From you

Ferrol
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

Ferrol vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and utilities. The 51% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 343% higher in Ferrol, 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: $892 in Ferrol versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Ferrol. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,385 per month in Ferrol versus $918 in Cebu – a 51% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,385 in Ferrol, a $1,500 budget is realistic in Cebu but tight or insufficient in Ferrol. 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 Ferrol, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ferrol 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 51% less than in Ferrol. Beyond cost, consider language, visa policies, and how big the international community is in each city.