Last update: Oct 2026

Cost of Living Comparison Between Funchal and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,087 in Funchal, rent and utilities included – about $13,800 less a year. Rent and utilities account for most of the difference.

103

Cost of Living Index in Funchal
Learn more

Funchal Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Funchal

🇵🇹 Portugal

$2,087

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,087 in Funchal versus $934 in Cebu.

Funchal $2,087
Cebu $934

Estimated couple costs with rent: $3,066 in Funchal versus $1,415 in Cebu.

Funchal $3,066
Cebu $1,415

Monthly costs for a family of three with rent: $4,046 in Funchal versus $1,896 in Cebu.

Funchal $4,046
Cebu $1,896

Living in Funchal is roughly 123% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Funchal is 56% above, Cebu is 30% below.

Meal at Budget Restaurant

$15.03 €13.41

$3.03 ₱190

396.04%

Three-Course Dinner for Two, Mid-Range

$65.0 €58.0

$23.48 ₱1,473

176.96%

Fast Food Meal (McDonalds, etc)

$13.30 €11.87

$4.09 ₱256

225.18%

Cappuccino

$1.95 €1.74

$2.52 ₱158

-22.62%

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

$1.67 €1.49

$1.54 ₱96.9

8.44%

Water (0.33 liter bottle)

$1.40 €1.25

$0.49 ₱30.98

185.71%

Local Beer (0.5 liter draught)

$2.75 €2.46

$1.79 ₱112

53.63%

Imported Beer (0.33 liter bottle)

$3.82 €3.41

$2.26 ₱142

69.03%

Milk (1 liter)

$1.07 €0.95

$1.95 ₱122

-45.13%

White Bread (500g)

$1.76 €1.57

$1.43 ₱89.7

23.08%

Rice (white) (1kg)

$1.62 €1.44

$1.02 ₱63.8

58.82%

Eggs

$3.79 €3.38

$2.06 ₱129

83.98%

Local Cheese (1kg)

$10.19 €9.09

$9.81 ₱615

3.87%

Chicken Fillets (1kg)

$7.26 €6.48

$4.61 ₱289

57.48%

Beef Round Steak (1kg)

$11.93 €10.64

$7.70 ₱483

54.94%

Apples (1kg)

$1.78 €1.59

$3.31 ₱207

-46.22%

Banana (1kg)

$1.79 €1.60

$1.45 ₱90.9

23.45%

Oranges (1kg)

$1.76 €1.57

$2.36 ₱148

-25.42%

Tomato (1kg)

$2.45 €2.18

$1.54 ₱96.4

59.09%

Potato (1kg)

$1.92 €1.72

$2.36 ₱148

-18.64%

Onion (1kg)

$1.99 €1.78

$1.99 ₱125

Lettuce (1 head)

$1.64 €1.47

$1.15 ₱72.1

42.61%

Water (1.5 liter bottle)

$0.81 €0.73

$0.67 ₱42.15

20.90%

Cigarettes 20 Pack (Marlboro, Camel)

$5.44 €4.86

$3.00 ₱188

81.33%

Wine (Bottle)

$6.69 €5.97

$6.35 ₱398

5.35%

Local Beer (0.5 liter bottle)

$1.28 €1.14

$1.31 ₱81.9

-2.29%

Imported Beer (0.33 liter bottle)

$2.59 €2.31

$1.73 ₱108

49.71%

One-way Ticket (Public Transport)

$2.19 €1.96

$0.25 ₱15.78

776.00%

Public Transport Monthly Pass (Regular Price)

$33.23 €29.66

$12.65 ₱793

162.69%

Taxi Start (Normal Tariff)

$4.00 €3.57

$0.74 ₱46.32

440.54%

Taxi (Normal Tariff) (1km)

$1.42 €1.27

$0.21 ₱13.11

576.19%

Taxi 1hour Waiting (Normal Tariff)

$18.31 €16.34

$4.33 ₱271

322.86%

Gasoline (1 liter)

$2.11 €1.88

$1.33 ₱83.5

58.65%

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

$33.1K €29.6K

$21.8K ₱1.4M

52.31%

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

$38.9K €34.7K

$19.4K ₱1.2M

100.51%

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

$123 €110

$121 ₱7,563

2.36%

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

$17.01 €15.18

$14.45 ₱907

17.72%

Internet (50+ Mbps, Unlimited Data)

$48.63 €43.40

$28.29 ₱1,774

71.90%

Gym Membership (Monthly)

$40.45 €36.09

$32.68 ₱2,050

23.78%

Tennis Court (1 Hour on Weekend)

$8.23 €7.34

$6.39 ₱401

28.79%

Cinema Ticket

$8.61 €7.68

$5.46 ₱342

57.69%

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

$423 €377

$273 ₱17.1K

54.58%

International Primary School, 1 Child (Yearly)

$8,385 €7,483

$8,156 ₱511.5K

2.81%

Jeans (Levis 501 Or Similar)

$63.7 €56.8

$49.57 ₱3,109

28.44%

Summer Dress (H&M, Zara, etc)

$33.28 €29.70

$24.87 ₱1,560

33.82%

Sport Shoes (Adidas, Nike)

$89.2 €79.6

$76.6 ₱4,804

16.41%

Men's Leather Business Shoes

$76.5 €68.3

$59.3 ₱3,717

29.14%

1-bedroom Apartment, City Center (Monthly)

$1,483 €1,323

$506 ₱31.7K

193.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,245 €1,111

$309 ₱19.4K

302.37%

3-bedroom Apartment, City Center (Monthly)

$2,516 €2,245

$1,052 ₱66.0K

139.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,964 €1,753

$619 ₱38.8K

217.33%

Buy Apartment in City Center (m2)

$4,842 €4,321

$2,915 ₱182.9K

66.07%

Buy Apartment Outside City Center (m2)

$3,344 €2,984

$1,867 ₱117.1K

79.10%

Average Monthly Net Salary (After Tax)

$1,427 €1,274

$341 ₱21.4K

318.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.59

7.2

-50.14%

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

Last update for Funchal: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Funchal

$1.2K 58.6%

Cebu

$309 33.5% 75.1% $936

Groceries & Markets

Funchal

$243 11.4%

Cebu

$210 22.7% 13.3% $32

Eating Out

Funchal

$217 10.2%

Cebu

$88 9.6% 59.3% $129

Monthly Utilities & Internet

Funchal

$189 8.9%

Cebu

$163 17.7% 13.6% $26

Clothing & Footwear

Funchal

$118 5.6%

Cebu

$95 10.2% 19.9% $24

Sport & Entertainment

Funchal

$58 2.7%

Cebu

$44 4.7% 24.4% $14

Getting Around

Funchal

$53 2.5%

Cebu

$15 1.7% 70.9% $38

Cost Breakdown

A one-bedroom apartment in the center runs $1,483 in Funchal and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Funchal pays 318% 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: $65.0 in Funchal vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $243 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇹 Funchal

🇵🇭 Cebu

🕒 Local time

06:24 6:24 AM

13:24 1:24 PM

7 h ahead of Funchal

🌤 Weather

👥 Population

105,795

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

Funchal Cebu 13,680 km ≈ 18 h nonstop flight

From you

Funchal
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

Funchal vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 123% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 318% higher in Funchal, 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: $1,483 in Funchal versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,087 per month in Funchal versus $934 in Cebu – a 123% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 163% less than in Funchal. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,087 in Funchal, a $1,500 budget is realistic in Cebu but tight or insufficient in Funchal. 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 Funchal, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Funchal 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 123% less than in Funchal. Beyond cost, consider language, visa policies, and how big the international community is in each city.