Last update: Oct 2026

Cost of Living Comparison Between Finland and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,950 in Finland, rent and utilities included – about $12,200 less a year. Other living expenses account for most of the difference.

94

Cost of Living Index in Finland
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Finland Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

🇫🇮 Finland

$1,950

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

😐 Solo nomad: Finland is 123.2% more expensive than Cebu without rent, and 108.8% more expensive with rent.

😐 Family of 3: Finland is 132.4% more expensive than Cebu without rent, and 115% more expensive with rent.

Meal at Budget Restaurant

$16.64 €14.85

$3.03 ₱190

449.17%

Three-Course Dinner for Two, Mid-Range

$89.9 €80.2

$23.48 ₱1,473

282.84%

Fast Food Meal (McDonalds, etc)

$12.54 €11.19

$4.09 ₱256

206.60%

Cappuccino

$5.02 €4.48

$2.52 ₱158

99.21%

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

$3.01 €2.69

$1.54 ₱96.9

95.45%

Water (0.33 liter bottle)

$2.32 €2.07

$0.49 ₱30.98

373.47%

Local Beer (0.5 liter draught)

$8.21 €7.33

$1.79 ₱112

358.66%

Imported Beer (0.33 liter bottle)

$9.08 €8.10

$2.26 ₱142

301.77%

Milk (1 liter)

$1.34 €1.20

$1.95 ₱122

-31.28%

White Bread (500g)

$2.70 €2.41

$1.43 ₱89.7

88.81%

Rice (white) (1kg)

$2.60 €2.32

$1.02 ₱63.8

154.90%

Eggs

$3.51 €3.13

$2.06 ₱129

70.39%

Local Cheese (1kg)

$8.99 €8.02

$9.81 ₱615

-8.36%

Chicken Fillets (1kg)

$13.68 €12.21

$4.61 ₱289

196.75%

Beef Round Steak (1kg)

$22.67 €20.23

$7.70 ₱483

194.42%

Apples (1kg)

$2.60 €2.32

$3.31 ₱207

-21.45%

Banana (1kg)

$2.18 €1.94

$1.45 ₱90.9

50.34%

Oranges (1kg)

$2.46 €2.19

$2.36 ₱148

4.24%

Tomato (1kg)

$4.24 €3.79

$1.54 ₱96.4

175.32%

Potato (1kg)

$1.30 €1.16

$2.36 ₱148

-44.92%

Onion (1kg)

$1.70 €1.52

$1.99 ₱125

-14.57%

Lettuce (1 head)

$2.14 €1.91

$1.15 ₱72.1

86.09%

Water (1.5 liter bottle)

$1.91 €1.71

$0.67 ₱42.15

185.07%

Cigarettes 20 Pack (Marlboro, Camel)

$12.99 €11.59

$3.00 ₱188

333.00%

Wine (Bottle)

$14.31 €12.77

$6.35 ₱398

125.35%

Local Beer (0.5 liter bottle)

$3.46 €3.08

$1.31 ₱81.9

164.12%

Imported Beer (0.33 liter bottle)

$3.47 €3.10

$1.73 ₱108

100.58%

One-way Ticket (Public Transport)

$3.49 €3.12

$0.25 ₱15.78

1296.00%

Public Transport Monthly Pass (Regular Price)

$70.9 €63.3

$12.65 ₱793

460.79%

Taxi Start (Normal Tariff)

$9.08 €8.10

$0.74 ₱46.32

1127.03%

Taxi (Normal Tariff) (1km)

$1.33 €1.19

$0.21 ₱13.11

533.33%

Taxi 1hour Waiting (Normal Tariff)

$67.2 €60.0

$4.33 ₱271

1451.50%

Gasoline (1 liter)

$2.31 €2.06

$1.33 ₱83.5

73.68%

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

$37.0K €33.0K

$21.8K ₱1.4M

69.81%

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

$37.6K €33.6K

$19.4K ₱1.2M

94.06%

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

$144 €129

$121 ₱7,563

19.83%

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

$28.07 €25.05

$14.45 ₱907

94.26%

Internet (50+ Mbps, Unlimited Data)

$25.45 €22.72

$28.29 ₱1,774

-10.04%

Gym Membership (Monthly)

$44.85 €40.03

$32.68 ₱2,050

37.24%

Tennis Court (1 Hour on Weekend)

$29.57 €26.38

$6.39 ₱401

362.75%

Cinema Ticket

$18.07 €16.12

$5.46 ₱342

230.95%

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

$383 €342

$273 ₱17.1K

40.03%

International Primary School, 1 Child (Yearly)

$12.9K €11.5K

$8,156 ₱511.5K

58.60%

Jeans (Levis 501 Or Similar)

$99.2 €88.5

$49.57 ₱3,109

100.04%

Summer Dress (H&M, Zara, etc)

$41.52 €37.05

$24.87 ₱1,560

66.95%

Sport Shoes (Adidas, Nike)

$100 €89.4

$76.6 ₱4,804

30.75%

Men's Leather Business Shoes

$147 €131

$59.3 ₱3,717

148.60%

1-bedroom Apartment, City Center (Monthly)

$860 €768

$506 ₱31.7K

70.08%

1-bedroom Apartment, Outside City Center (Monthly)

$700 €625

$309 ₱19.4K

126.23%

3-bedroom Apartment, City Center (Monthly)

$1,556 €1,389

$1,052 ₱66.0K

47.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,212 €1,081

$619 ₱38.8K

95.73%

Buy Apartment in City Center (m2)

$4,973 €4,438

$2,915 ₱182.9K

70.56%

Buy Apartment Outside City Center (m2)

$2,956 €2,638

$1,867 ₱117.1K

58.31%

Average Monthly Net Salary (After Tax)

$3,028 €2,703

$341 ₱21.4K

787.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.88

7.2

-46.11%

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

Last update for Finland: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Finland

$700 36%

Cebu

$309 33.5% 55.8% $391

Groceries & Markets

Finland

$377 19.4%

Cebu

$210 22.7% 44.2% $167

Eating Out

Finland

$312 16%

Cebu

$88 9.6% 71.6% $223

Monthly Utilities & Internet

Finland

$198 10.2%

Cebu

$163 17.7% 17.5% $35

Clothing & Footwear

Finland

$175 9%

Cebu

$95 10.2% 45.8% $80

Getting Around

Finland

$101 5.2%

Cebu

$15 1.7% 84.7% $85

Sport & Entertainment

Finland

$81 4.2%

Cebu

$44 4.7% 46.2% $37

Good to know

🇫🇮 Finland

🇵🇭 Cebu

🕒 Local time

08:26 8:26 AM

13:26 1:26 PM

5 h ahead of Finland

🌤 Weather

👥 Population

5,608,218

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Finland Cebu 9,510 km ≈ 12 h nonstop flight

From you

Finland
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

Finland vs other spots: cost of living compared

Cost of Living Comparison Between Finland and Cebu

PHP, USD to EUR – Euro Converter

City Median Internet Speeds Comparison (Updated April 2026)

Finland

Cebu

Finland

Cebu

Finland vs other spots: cost of living compared

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