Last update: Oct 2026

Cost of Living Comparison Between Florence and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,395 in Florence, rent and utilities included – about $17,500 less a year. Rent and utilities account for most of the difference.

118

Cost of Living Index in Florence
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Florence Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Florence

🇮🇹 Italy

$2,395

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,395 in Florence versus $934 in Cebu.

Florence $2,395
Cebu $934

Estimated couple costs with rent: $3,671 in Florence versus $1,415 in Cebu.

Florence $3,671
Cebu $1,415

Monthly costs for a family of three with rent: $4,947 in Florence versus $1,896 in Cebu.

Florence $4,947
Cebu $1,896

Living in Florence is roughly 156% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Florence is 79% above, Cebu is 30% below.

Meal at Budget Restaurant

$27.37 €24.43

$3.03 ₱190

803.30%

Three-Course Dinner for Two, Mid-Range

$77.3 €69.0

$23.48 ₱1,473

229.17%

Fast Food Meal (McDonalds, etc)

$14.54 €12.98

$4.09 ₱256

255.50%

Cappuccino

$2.29 €2.04

$2.52 ₱158

-9.13%

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

$3.20 €2.85

$1.54 ₱96.9

107.79%

Water (0.33 liter bottle)

$1.44 €1.29

$0.49 ₱30.98

193.88%

Local Beer (0.5 liter draught)

$6.64 €5.92

$1.79 ₱112

270.95%

Imported Beer (0.33 liter bottle)

$7.99 €7.13

$2.26 ₱142

253.54%

Milk (1 liter)

$1.92 €1.72

$1.95 ₱122

-1.54%

White Bread (500g)

$2.55 €2.28

$1.43 ₱89.7

78.32%

Rice (white) (1kg)

$2.90 €2.59

$1.02 ₱63.8

184.31%

Eggs

$4.82 €4.30

$2.06 ₱129

133.98%

Local Cheese (1kg)

$26.17 €23.36

$9.81 ₱615

166.77%

Chicken Fillets (1kg)

$12.23 €10.92

$4.61 ₱289

165.29%

Beef Round Steak (1kg)

$25.48 €22.74

$7.70 ₱483

230.91%

Apples (1kg)

$2.94 €2.62

$3.31 ₱207

-11.18%

Banana (1kg)

$2.63 €2.35

$1.45 ₱90.9

81.38%

Oranges (1kg)

$3.35 €2.99

$2.36 ₱148

41.95%

Tomato (1kg)

$3.32 €2.96

$1.54 ₱96.4

115.58%

Potato (1kg)

$2.23 €1.99

$2.36 ₱148

-5.51%

Onion (1kg)

$1.86 €1.66

$1.99 ₱125

-6.53%

Lettuce (1 head)

$1.89 €1.68

$1.15 ₱72.1

64.35%

Water (1.5 liter bottle)

$0.70 €0.63

$0.67 ₱42.15

4.48%

Cigarettes 20 Pack (Marlboro, Camel)

$7.47 €6.66

$3.00 ₱188

149.00%

Wine (Bottle)

$7.83 €6.99

$6.35 ₱398

23.31%

Local Beer (0.5 liter bottle)

$2.00 €1.78

$1.31 ₱81.9

52.67%

Imported Beer (0.33 liter bottle)

$3.13 €2.79

$1.73 ₱108

80.92%

One-way Ticket (Public Transport)

$2.07 €1.85

$0.25 ₱15.78

728.00%

Public Transport Monthly Pass (Regular Price)

$43.27 €38.62

$12.65 ₱793

242.06%

Taxi Start (Normal Tariff)

$3.78 €3.37

$0.74 ₱46.32

410.81%

Taxi (Normal Tariff) (1km)

$1.26 €1.12

$0.21 ₱13.11

500.00%

Taxi 1hour Waiting (Normal Tariff)

$30.89 €27.56

$4.33 ₱271

613.39%

Gasoline (1 liter)

$2.09 €1.86

$1.33 ₱83.5

57.14%

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

$35.9K €32.1K

$21.8K ₱1.4M

65.04%

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

$35.3K €31.5K

$19.4K ₱1.2M

81.97%

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

$247 €220

$121 ₱7,563

104.51%

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

$11.59 €10.34

$14.45 ₱907

-19.79%

Internet (50+ Mbps, Unlimited Data)

$33.90 €30.25

$28.29 ₱1,774

19.83%

Gym Membership (Monthly)

$64.4 €57.5

$32.68 ₱2,050

97.00%

Tennis Court (1 Hour on Weekend)

$20.77 €18.54

$6.39 ₱401

225.04%

Cinema Ticket

$13.02 €11.62

$5.46 ₱342

138.46%

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

$745 €665

$273 ₱17.1K

172.59%

International Primary School, 1 Child (Yearly)

$17.0K €15.2K

$8,156 ₱511.5K

108.78%

Jeans (Levis 501 Or Similar)

$96.5 €86.1

$49.57 ₱3,109

94.61%

Summer Dress (H&M, Zara, etc)

$38.82 €34.65

$24.87 ₱1,560

56.09%

Sport Shoes (Adidas, Nike)

$108 €96.4

$76.6 ₱4,804

41.09%

Men's Leather Business Shoes

$146 €131

$59.3 ₱3,717

147.13%

1-bedroom Apartment, City Center (Monthly)

$1,570 €1,401

$506 ₱31.7K

210.51%

1-bedroom Apartment, Outside City Center (Monthly)

$1,043 €931

$309 ₱19.4K

237.13%

3-bedroom Apartment, City Center (Monthly)

$2,766 €2,469

$1,052 ₱66.0K

163.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,833 €1,635

$619 ₱38.8K

196.07%

Buy Apartment in City Center (m2)

$6,288 €5,612

$2,915 ₱182.9K

115.69%

Buy Apartment Outside City Center (m2)

$3,951 €3,526

$1,867 ₱117.1K

111.61%

Average Monthly Net Salary (After Tax)

$2,005 €1,789

$341 ₱21.4K

487.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.16

7.2

-56.11%

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

Last update for Florence: October 4, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Florence

$1K 42.9%

Cebu

$309 33.5% 70.3% $734

Groceries & Markets

Florence

$411 16.9%

Cebu

$210 22.7% 48.8% $200

Eating Out

Florence

$358 14.7%

Cebu

$88 9.6% 75.3% $269

Monthly Utilities & Internet

Florence

$292 12%

Cebu

$163 17.7% 44.1% $129

Clothing & Footwear

Florence

$175 7.2%

Cebu

$95 10.2% 46.1% $81

Sport & Entertainment

Florence

$90 3.7%

Cebu

$44 4.7% 51.8% $47

Getting Around

Florence

$62 2.5%

Cebu

$15 1.7% 74.9% $46

Cost Breakdown

A one-bedroom apartment in the center runs $1,570 in Florence and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Florence pays 488% 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: $77.0 in Florence vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $411 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Florence

🇵🇭 Cebu

🕒 Local time

08:16 8:16 AM

14:16 2:16 PM

6 h ahead of Florence

🌤 Weather

👥 Population

382,808

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

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Between locations

Florence Cebu 10,970 km ≈ 14 h nonstop flight

From you

Florence
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

Florence vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 156% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 488% higher in Florence, 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: $1,570 in Florence versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,395 per month in Florence versus $934 in Cebu – a 156% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 242% less than in Florence. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,395 in Florence, a $1,500 budget is realistic in Cebu but tight or insufficient in Florence. 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 Florence, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Florence 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 156% less than in Florence. Beyond cost, consider language, visa policies, and how big the international community is in each city.