Last update: Oct 2026

Cost of Living Comparison Between Fort William and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,446 in Fort William, rent and utilities included – about $18,300 less a year. Rent and utilities account for most of the difference.

118

Cost of Living Index in Fort William
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Fort William Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Fort William

🇬🇧 United Kingdom

$2,446

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,446 in Fort William versus $918 in Cebu.

Fort William $2,446
Cebu $918

Estimated couple costs with rent: $3,571 in Fort William versus $1,409 in Cebu.

Fort William $3,571
Cebu $1,409

Monthly costs for a family of three with rent: $4,696 in Fort William versus $1,900 in Cebu.

Fort William $4,696
Cebu $1,900

Living in Fort William is roughly 166% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Fort William is 81% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.99 £15.00

$3.09 ₱194

546.93%

Three-Course Dinner for Two, Mid-Range

$95.5 £71.7

$24.22 ₱1,525

294.43%

Fast Food Meal (McDonalds, etc)

$10.72 £8.04

$3.92 ₱247

173.47%

Cappuccino

$4.57 £3.43

$2.51 ₱158

82.07%

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

$2.82 £2.12

$1.59 ₱100

77.36%

Water (0.33 liter bottle)

$2.11 £1.58

$0.53 ₱33.43

298.11%

Local Beer (0.5 liter draught)

$6.99 £5.25

$1.78 ₱112

292.70%

Imported Beer (0.33 liter bottle)

$7.38 £5.53

$2.17 ₱137

240.09%

Milk (1 liter)

$1.42 £1.07

$1.92 ₱121

-26.04%

White Bread (500g)

$1.72 £1.29

$1.36 ₱85.4

26.47%

Rice (white) (1kg)

$2.01 £1.51

$1.01 ₱63.5

99.01%

Eggs

$3.54 £2.66

$2.03 ₱128

74.38%

Local Cheese (1kg)

$8.50 £6.37

$9.86 ₱621

-13.79%

Chicken Fillets (1kg)

$10.74 £8.06

$4.39 ₱277

144.65%

Beef Round Steak (1kg)

$15.78 £11.84

$7.60 ₱479

107.63%

Apples (1kg)

$2.82 £2.11

$3.30 ₱208

-14.55%

Banana (1kg)

$1.29 £0.97

$1.39 ₱87.8

-7.19%

Oranges (1kg)

$1.96 £1.47

$2.33 ₱147

-15.88%

Tomato (1kg)

$3.81 £2.86

$1.50 ₱94.3

154.00%

Potato (1kg)

$1.09 £0.82

$2.36 ₱149

-53.81%

Onion (1kg)

$1.29 £0.97

$1.90 ₱119

-32.11%

Lettuce (1 head)

$1.20 £0.90

$1.19 ₱74.9

0.84%

Water (1.5 liter bottle)

$1.66 £1.25

$0.63 ₱39.71

163.49%

Cigarettes 20 Pack (Marlboro, Camel)

$22.41 £16.81

$3.00 ₱189

647.00%

Wine (Bottle)

$11.19 £8.39

$6.03 ₱379

85.57%

Local Beer (0.5 liter bottle)

$2.79 £2.09

$1.23 ₱77.7

126.83%

Imported Beer (0.33 liter bottle)

$3.06 £2.30

$1.75 ₱110

74.86%

One-way Ticket (Public Transport)

$3.52 £2.64

$0.25 ₱15.86

1308.00%

Public Transport Monthly Pass (Regular Price)

$97.5 £73.1

$12.64 ₱796

671.04%

Taxi Start (Normal Tariff)

$4.00 £3.00

$0.77 ₱48.62

419.48%

Taxi (Normal Tariff) (1km)

$2.36 £1.77

$0.23 ₱14.53

926.09%

Taxi 1hour Waiting (Normal Tariff)

$23.90 £17.93

$4.46 ₱281

435.87%

Gasoline (1 liter)

$1.99 £1.50

$1.31 ₱82.8

51.91%

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

$39.0K £29.2K

$21.2K ₱1.3M

83.42%

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

$40.1K £30.1K

$19.1K ₱1.2M

109.42%

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

$386 £289

$120 ₱7,569

220.90%

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

$27.12 £20.34

$14.00 ₱882

93.71%

Internet (50+ Mbps, Unlimited Data)

$42.28 £31.72

$27.54 ₱1,734

53.52%

Gym Membership (Monthly)

$45.49 £34.12

$32.33 ₱2,035

40.71%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$11.15 £8.37

$5.65 ₱356

97.35%

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

$1,729 £1,297

$275 ₱17.3K

527.99%

International Primary School, 1 Child (Yearly)

$22.5K £16.9K

$7,918 ₱498.5K

184.17%

Jeans (Levis 501 Or Similar)

$94.6 £71.0

$49.33 ₱3,106

91.85%

Summer Dress (H&M, Zara, etc)

$48.49 £36.38

$25.24 ₱1,589

92.12%

Sport Shoes (Adidas, Nike)

$103 £76.9

$77.0 ₱4,846

33.26%

Men's Leather Business Shoes

$114 £85.8

$57.2 ₱3,601

99.83%

1-bedroom Apartment, City Center (Monthly)

$1,213 £910

$500 ₱31.5K

142.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,015 £762

$309 ₱19.4K

228.72%

3-bedroom Apartment, City Center (Monthly)

$2,093 £1,570

$1,078 ₱67.9K

94.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,649 £1,237

$615 ₱38.7K

168.05%

Buy Apartment in City Center (m2)

$5,043 £3,784

$2,886 ₱181.7K

74.74%

Buy Apartment Outside City Center (m2)

$3,935 £2,952

$1,917 ₱120.7K

105.29%

Average Monthly Net Salary (After Tax)

$2,003 £1,503

$346 ₱21.8K

478.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.11

7.2

-29.03%

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

Last update for Fort William: 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

Fort William

$1K 41.5%

Cebu

$309 33.6% 69.6% $706

Monthly Utilities & Internet

Fort William

$455 18.6%

Cebu

$162 17.6% 64.5% $293

Eating Out

Fort William

$316 12.9%

Cebu

$88 9.6% 72.1% $228

Groceries & Markets

Fort William

$302 12.3%

Cebu

$206 22.4% 31.8% $96

Clothing & Footwear

Fort William

$162 6.6%

Cebu

$94 10.2% 42% $68

Getting Around

Fort William

$127 5.2%

Cebu

$16 1.7% 87.8% $112

Sport & Entertainment

Fort William

$68 2.8%

Cebu

$44 4.8% 35.7% $24

Cost Breakdown

A one-bedroom apartment in the center runs $1,213 in Fort William and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Fort William pays 479% 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: $96.0 in Fort William vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $302 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Fort William

🇵🇭 Cebu

🕒 Local time

19:41 7:41 PM

02:41 2:41 AM

7 h ahead of Fort William

🌤 Weather

👥 Population

10,000

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 19, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GBP in detail →

On the map

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Between locations

Fort William Cebu 11,220 km ≈ 15 h nonstop flight

From you

Fort William
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

Fort William vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 166% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 479% higher in Fort William, 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: $1,213 in Fort William versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,446 per month in Fort William versus $918 in Cebu – a 166% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 671% less than in Fort William. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,446 in Fort William, a $1,500 budget is realistic in Cebu but tight or insufficient in Fort William. 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 Fort William, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Fort William 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 166% less than in Fort William. Beyond cost, consider language, visa policies, and how big the international community is in each city.