Last update: Oct 2026

Cost of Living Comparison Between Gozo and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,801 in Gozo, rent and utilities included – about $10,600 less a year. Rent and utilities account for about half of the difference.

88

Cost of Living Index in Gozo
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Gozo Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Gozo

🇲🇹 Malta

$1,801

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,801 in Gozo versus $918 in Cebu.

Gozo $1,801
Cebu $918

Estimated couple costs with rent: $2,747 in Gozo versus $1,409 in Cebu.

Gozo $2,747
Cebu $1,409

Monthly costs for a family of three with rent: $3,694 in Gozo versus $1,900 in Cebu.

Gozo $3,694
Cebu $1,900

Living in Gozo is roughly 96% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Gozo is 33% above, Cebu is 32% below.

Meal at Budget Restaurant

$30.99 €27.57

$3.09 ₱194

902.91%

Three-Course Dinner for Two, Mid-Range

$95.8 €85.2

$24.22 ₱1,525

295.46%

Fast Food Meal (McDonalds, etc)

$11.03 €9.81

$3.92 ₱247

181.38%

Cappuccino

$2.86 €2.55

$2.51 ₱158

13.94%

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

$2.38 €2.12

$1.59 ₱100

49.69%

Water (0.33 liter bottle)

$1.32 €1.18

$0.53 ₱33.43

149.06%

Local Beer (0.5 liter draught)

$3.30 €2.94

$1.78 ₱112

85.39%

Imported Beer (0.33 liter bottle)

$4.65 €4.14

$2.17 ₱137

114.29%

Milk (1 liter)

$1.19 €1.06

$1.92 ₱121

-38.02%

White Bread (500g)

$1.17 €1.04

$1.36 ₱85.4

-13.97%

Rice (white) (1kg)

$2.80 €2.49

$1.01 ₱63.5

177.23%

Eggs

$2.86 €2.55

$2.03 ₱128

40.89%

Local Cheese (1kg)

$10.20 €9.07

$9.86 ₱621

3.45%

Chicken Fillets (1kg)

$7.81 €6.94

$4.39 ₱277

77.90%

Beef Round Steak (1kg)

$18.33 €16.30

$7.60 ₱479

141.18%

Apples (1kg)

$2.70 €2.40

$3.30 ₱208

-18.18%

Banana (1kg)

$2.31 €2.06

$1.39 ₱87.8

66.19%

Oranges (1kg)

$2.55 €2.26

$2.33 ₱147

9.44%

Tomato (1kg)

$1.54 €1.37

$1.50 ₱94.3

2.67%

Potato (1kg)

$1.86 €1.66

$2.36 ₱149

-21.19%

Onion (1kg)

$1.41 €1.25

$1.90 ₱119

-25.79%

Lettuce (1 head)

$1.42 €1.26

$1.19 ₱74.9

19.33%

Water (1.5 liter bottle)

$1.05 €0.93

$0.63 ₱39.71

66.67%

Cigarettes 20 Pack (Marlboro, Camel)

$6.22 €5.53

$3.00 ₱189

107.33%

Wine (Bottle)

$3.24 €2.88

$6.03 ₱379

-46.27%

Local Beer (0.5 liter bottle)

$1.49 €1.33

$1.23 ₱77.7

21.14%

Imported Beer (0.33 liter bottle)

$1.16 €1.03

$1.75 ₱110

-33.71%

One-way Ticket (Public Transport)

$2.84 €2.53

$0.25 ₱15.86

1036.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$3.99 €3.55

$0.77 ₱48.62

418.18%

Taxi (Normal Tariff) (1km)

$1.80 €1.60

$0.23 ₱14.53

682.61%

Taxi 1hour Waiting (Normal Tariff)

$33.01 €29.36

$4.46 ₱281

640.13%

Gasoline (1 liter)

$1.48 €1.32

$1.31 ₱82.8

12.98%

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

$28.4K €25.3K

$21.2K ₱1.3M

33.77%

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

$39.1K €34.7K

$19.1K ₱1.2M

104.03%

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

$94.1 €83.7

$120 ₱7,569

-21.72%

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

$31.19 €27.74

$14.00 ₱882

122.79%

Internet (50+ Mbps, Unlimited Data)

$29.57 €26.31

$27.54 ₱1,734

7.37%

Gym Membership (Monthly)

$50.3 €44.78

$32.33 ₱2,035

55.71%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$11.15 €9.92

$5.65 ₱356

97.35%

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

$282 €251

$275 ₱17.3K

2.36%

International Primary School, 1 Child (Yearly)

$12.1K €10.8K

$7,918 ₱498.5K

52.78%

Jeans (Levis 501 Or Similar)

$57.4 €51.1

$49.33 ₱3,106

16.38%

Summer Dress (H&M, Zara, etc)

$49.45 €43.98

$25.24 ₱1,589

95.92%

Sport Shoes (Adidas, Nike)

$64.4 €57.2

$77.0 ₱4,846

-16.39%

Men's Leather Business Shoes

$132 €118

$57.2 ₱3,601

131.12%

1-bedroom Apartment, City Center (Monthly)

$917 €815

$500 ₱31.5K

83.51%

1-bedroom Apartment, Outside City Center (Monthly)

$797 €709

$309 ₱19.4K

158.19%

3-bedroom Apartment, City Center (Monthly)

$1,382 €1,229

$1,078 ₱67.9K

28.24%

3-bedroom Apartment, Outside City Center (Monthly)

$1,161 €1,033

$615 ₱38.7K

88.72%

Buy Apartment in City Center (m2)

$4,350 €3,869

$2,886 ₱181.7K

50.71%

Buy Apartment Outside City Center (m2)

$3,948 €3,512

$1,917 ₱120.7K

106.01%

Average Monthly Net Salary (After Tax)

$1,287 €1,145

$346 ₱21.8K

272.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.78

7.2

-47.50%

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

Last update for Gozo: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Gozo

$797 44.3%

Cebu

$309 33.6% 61.3% $489

Eating Out

Gozo

$356 19.8%

Cebu

$88 9.6% 75.2% $268

Groceries & Markets

Gozo

$259 14.4%

Cebu

$206 22.4% 20.5% $53

Monthly Utilities & Internet

Gozo

$155 8.6%

Cebu

$162 17.6% 4.4% $6.9

Clothing & Footwear

Gozo

$137 7.6%

Cebu

$94 10.2% 31.2% $43

Sport & Entertainment

Gozo

$73 4%

Cebu

$44 4.8% 40% $29

Getting Around

Gozo

$24 * 1.4%

Cebu

$16 1.7% 36.1% $8.8

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 $917 in Gozo and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Gozo pays 272% 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 Gozo vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $259 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇲🇹 Gozo

🇵🇭 Cebu

🕒 Local time

20:04 8:04 PM

02:04 2:04 AM

6 h ahead of Gozo

🌤 Weather

👥 Population

3,680

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Gozo Cebu 11,050 km ≈ 14 h nonstop flight

From you

Gozo
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

Gozo vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 96% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 272% higher in Gozo, 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: $917 in Gozo versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 26% higher in Gozo. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,801 per month in Gozo versus $918 in Cebu – a 96% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,801 in Gozo, a $1,500 budget is realistic in Cebu but tight or insufficient in Gozo. 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 Gozo, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Gozo 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 96% less than in Gozo. Beyond cost, consider language, visa policies, and how big the international community is in each city.