Last update: Oct 2026

Cost of Living Comparison Between Fgura and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,945 in Fgura, rent and utilities included – about $12,300 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Fgura
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Fgura Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Fgura

🇲🇹 Malta

$1,945

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,945 in Fgura versus $918 in Cebu.

Fgura $1,945
Cebu $918

Estimated couple costs with rent: $2,894 in Fgura versus $1,409 in Cebu.

Fgura $2,894
Cebu $1,409

Monthly costs for a family of three with rent: $3,843 in Fgura versus $1,900 in Cebu.

Fgura $3,843
Cebu $1,900

Living in Fgura is roughly 112% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Fgura is 44% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.48 €17.33

$3.09 ₱194

530.42%

Three-Course Dinner for Two, Mid-Range

$57.8 €51.4

$24.22 ₱1,525

138.52%

Fast Food Meal (McDonalds, etc)

$13.37 €11.89

$3.92 ₱247

241.07%

Cappuccino

$2.69 €2.39

$2.51 ₱158

7.17%

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

$3.17 €2.82

$1.59 ₱100

99.37%

Water (0.33 liter bottle)

$2.20 €1.96

$0.53 ₱33.43

315.09%

Local Beer (0.5 liter draught)

$4.54 €4.04

$1.78 ₱112

155.06%

Imported Beer (0.33 liter bottle)

$5.24 €4.66

$2.17 ₱137

141.47%

Milk (1 liter)

$1.33 €1.19

$1.92 ₱121

-30.73%

White Bread (500g)

$1.09 €0.97

$1.36 ₱85.4

-19.85%

Rice (white) (1kg)

$4.38 €3.89

$1.01 ₱63.5

333.66%

Eggs

$4.34 €3.86

$2.03 ₱128

113.79%

Local Cheese (1kg)

$8.36 €7.43

$9.86 ₱621

-15.21%

Chicken Fillets (1kg)

$10.30 €9.16

$4.39 ₱277

134.62%

Beef Round Steak (1kg)

$18.09 €16.09

$7.60 ₱479

138.03%

Apples (1kg)

$4.05 €3.60

$3.30 ₱208

22.73%

Banana (1kg)

$2.83 €2.51

$1.39 ₱87.8

103.60%

Oranges (1kg)

$3.56 €3.17

$2.33 ₱147

52.79%

Tomato (1kg)

$3.28 €2.91

$1.50 ₱94.3

118.67%

Potato (1kg)

$2.51 €2.23

$2.36 ₱149

6.36%

Onion (1kg)

$1.99 €1.77

$1.90 ₱119

4.74%

Lettuce (1 head)

$2.27 €2.01

$1.19 ₱74.9

90.76%

Water (1.5 liter bottle)

$1.31 €1.16

$0.63 ₱39.71

107.94%

Cigarettes 20 Pack (Marlboro, Camel)

$6.75 €6.00

$3.00 ₱189

125.00%

Wine (Bottle)

$8.28 €7.36

$6.03 ₱379

37.31%

Local Beer (0.5 liter bottle)

$1.78 €1.58

$1.23 ₱77.7

44.72%

Imported Beer (0.33 liter bottle)

$2.34 €2.08

$1.75 ₱110

33.71%

One-way Ticket (Public Transport)

$2.46 €2.19

$0.25 ₱15.86

884.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$5.71 €5.08

$0.77 ₱48.62

641.56%

Taxi (Normal Tariff) (1km)

$2.26 €2.01

$0.23 ₱14.53

882.61%

Taxi 1hour Waiting (Normal Tariff)

$26.64 €23.69

$4.46 ₱281

497.31%

Gasoline (1 liter)

$1.46 €1.30

$1.31 ₱82.8

11.45%

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

$37.9K €33.7K

$21.2K ₱1.3M

78.58%

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

$38.7K €34.4K

$19.1K ₱1.2M

102.13%

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

$100 €89.4

$120 ₱7,569

-16.44%

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

$16.92 €15.05

$14.00 ₱882

20.86%

Internet (50+ Mbps, Unlimited Data)

$42.24 €37.57

$27.54 ₱1,734

53.38%

Gym Membership (Monthly)

$62.1 €55.2

$32.33 ₱2,035

92.02%

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)

$359 €319

$275 ₱17.3K

30.24%

International Primary School, 1 Child (Yearly)

$11.1K €9,836

$7,918 ₱498.5K

39.65%

Jeans (Levis 501 Or Similar)

$86.2 €76.6

$49.33 ₱3,106

74.66%

Summer Dress (H&M, Zara, etc)

$40.04 €35.62

$25.24 ₱1,589

58.64%

Sport Shoes (Adidas, Nike)

$98.8 €87.9

$77.0 ₱4,846

28.37%

Men's Leather Business Shoes

$78.5 €69.8

$57.2 ₱3,601

37.17%

1-bedroom Apartment, City Center (Monthly)

$1,137 €1,012

$500 ₱31.5K

127.70%

1-bedroom Apartment, Outside City Center (Monthly)

$933 €830

$309 ₱19.4K

202.16%

3-bedroom Apartment, City Center (Monthly)

$1,748 €1,554

$1,078 ₱67.9K

62.13%

3-bedroom Apartment, Outside City Center (Monthly)

$1,519 €1,351

$615 ₱38.7K

146.91%

Buy Apartment in City Center (m2)

$3,924 €3,491

$2,886 ₱181.7K

35.97%

Buy Apartment Outside City Center (m2)

$2,769 €2,463

$1,917 ₱120.7K

44.47%

Average Monthly Net Salary (After Tax)

$2,138 €1,901

$346 ₱21.8K

517.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.9

7.2

-59.72%

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

Last update for Fgura: 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

Fgura

$933 48%

Cebu

$309 33.6% 66.9% $624

Groceries & Markets

Fgura

$324 16.7%

Cebu

$206 22.4% 36.5% $118

Eating Out

Fgura

$283 14.5%

Cebu

$88 9.6% 68.8% $195

Monthly Utilities & Internet

Fgura

$160 8.2%

Cebu

$162 17.6% 1.4% $2.2

Clothing & Footwear

Fgura

$137 7%

Cebu

$94 10.2% 31.2% $43

Sport & Entertainment

Fgura

$82 4.2%

Cebu

$44 4.8% 47% $39

Getting Around

Fgura

$27 * 1.4%

Cebu

$16 1.7% 42% $11

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 $1,137 in Fgura and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Fgura pays 518% 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: $58.0 in Fgura vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $324 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇲🇹 Fgura

🇵🇭 Cebu

🕒 Local time

14:40 2:40 PM

20:40 8:40 PM

6 h ahead of Fgura

🌤 Weather

👥 Population

11,670

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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

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Between locations

Fgura Cebu 11,030 km ≈ 14 h nonstop flight

From you

Fgura
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

Fgura vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 112% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 518% higher in Fgura, 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: $1,137 in Fgura versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 57% higher in Fgura. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,945 per month in Fgura versus $918 in Cebu – a 112% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,945 in Fgura, a $1,500 budget is realistic in Cebu but tight or insufficient in Fgura. 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 Fgura, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Fgura 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 112% less than in Fgura. Beyond cost, consider language, visa policies, and how big the international community is in each city.