Last update: Oct 2026

Cost of Living Comparison Between Gradac and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,553 in Gradac, rent and utilities included – about $7,400 less a year. Other living expenses account for most of the difference.

76

Cost of Living Index in Gradac
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Gradac Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Gradac

🇭🇷 Croatia

$1,553

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,553 in Gradac versus $934 in Cebu.

Gradac $1,553
Cebu $934

Estimated couple costs with rent: $2,381 in Gradac versus $1,415 in Cebu.

Gradac $2,381
Cebu $1,415

Monthly costs for a family of three with rent: $3,209 in Gradac versus $1,896 in Cebu.

Gradac $3,209
Cebu $1,896

Living in Gradac is roughly 66% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Gradac is 16% above, Cebu is 30% below.

Meal at Budget Restaurant

$13.71 €12.23

$3.03 ₱190

352.48%

Three-Course Dinner for Two, Mid-Range

$61.6 €54.9

$23.48 ₱1,473

162.22%

Fast Food Meal (McDonalds, etc)

$18.51 €16.52

$4.09 ₱256

352.57%

Cappuccino

$2.57 €2.29

$2.52 ₱158

1.98%

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

$2.98 €2.66

$1.54 ₱96.9

93.51%

Water (0.33 liter bottle)

$2.20 €1.97

$0.49 ₱30.98

348.98%

Local Beer (0.5 liter draught)

$3.73 €3.33

$1.79 ₱112

108.38%

Imported Beer (0.33 liter bottle)

$8.14 €7.26

$2.26 ₱142

260.18%

Milk (1 liter)

$1.24 €1.11

$1.95 ₱122

-36.41%

White Bread (500g)

$1.64 €1.46

$1.43 ₱89.7

14.69%

Rice (white) (1kg)

$2.94 €2.63

$1.02 ₱63.8

188.24%

Eggs

$3.97 €3.55

$2.06 ₱129

92.72%

Local Cheese (1kg)

$11.57 €10.32

$9.81 ₱615

17.94%

Chicken Fillets (1kg)

$9.60 €8.57

$4.61 ₱289

108.24%

Beef Round Steak (1kg)

$12.30 €10.97

$7.70 ₱483

59.74%

Apples (1kg)

$1.96 €1.75

$3.31 ₱207

-40.79%

Banana (1kg)

$1.38 €1.23

$1.45 ₱90.9

-4.83%

Oranges (1kg)

$1.86 €1.66

$2.36 ₱148

-21.19%

Tomato (1kg)

$2.68 €2.39

$1.54 ₱96.4

74.03%

Potato (1kg)

$1.35 €1.20

$2.36 ₱148

-42.80%

Onion (1kg)

$1.17 €1.04

$1.99 ₱125

-41.21%

Lettuce (1 head)

$1.10 €0.99

$1.15 ₱72.1

-4.35%

Water (1.5 liter bottle)

$1.23 €1.09

$0.67 ₱42.15

83.58%

Cigarettes 20 Pack (Marlboro, Camel)

$10.88 €9.71

$3.00 ₱188

262.67%

Wine (Bottle)

$7.92 €7.07

$6.35 ₱398

24.72%

Local Beer (0.5 liter bottle)

$1.63 €1.45

$1.31 ₱81.9

24.43%

Imported Beer (0.33 liter bottle)

$2.26 €2.02

$1.73 ₱108

30.64%

One-way Ticket (Public Transport)

$1.71 €1.53

$0.25 ₱15.78

584.00%

Public Transport Monthly Pass (Regular Price)

$42.71 €38.12

$12.65 ₱793

237.63%

Taxi Start (Normal Tariff)

$3.48 €3.11

$0.74 ₱46.32

370.27%

Taxi (Normal Tariff) (1km)

$1.42 €1.26

$0.21 ₱13.11

576.19%

Taxi 1hour Waiting (Normal Tariff)

$15.05 €13.43

$4.33 ₱271

247.58%

Gasoline (1 liter)

$1.85 €1.65

$1.33 ₱83.5

39.10%

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

$26.6K €23.7K

$21.8K ₱1.4M

22.19%

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

$24.9K €22.3K

$19.4K ₱1.2M

28.59%

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

$182 €162

$121 ₱7,563

50.65%

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

$22.64 €20.21

$14.45 ₱907

56.68%

Internet (50+ Mbps, Unlimited Data)

$39.97 €35.67

$28.29 ₱1,774

41.29%

Gym Membership (Monthly)

$52.7 €47.05

$32.68 ₱2,050

61.32%

Tennis Court (1 Hour on Weekend)

$14.04 €12.53

$6.39 ₱401

119.72%

Cinema Ticket

$8.85 €7.90

$5.46 ₱342

62.09%

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

$427 €381

$273 ₱17.1K

56.11%

International Primary School, 1 Child (Yearly)

$8,649 €7,718

$8,156 ₱511.5K

6.05%

Jeans (Levis 501 Or Similar)

$98.0 €87.5

$49.57 ₱3,109

97.74%

Summer Dress (H&M, Zara, etc)

$39.72 €35.45

$24.87 ₱1,560

59.71%

Sport Shoes (Adidas, Nike)

$107 €95.0

$76.6 ₱4,804

39.05%

Men's Leather Business Shoes

$98.3 €87.7

$59.3 ₱3,717

65.79%

1-bedroom Apartment, City Center (Monthly)

$674 €602

$506 ₱31.7K

33.37%

1-bedroom Apartment, Outside City Center (Monthly)

$529 €472

$309 ₱19.4K

70.84%

3-bedroom Apartment, City Center (Monthly)

$1,207 €1,077

$1,052 ₱66.0K

14.80%

3-bedroom Apartment, Outside City Center (Monthly)

$860 €768

$619 ₱38.8K

38.97%

Buy Apartment in City Center (m2)

$3,753 €3,349

$2,915 ₱182.9K

28.72%

Buy Apartment Outside City Center (m2)

$2,690 €2,400

$1,867 ₱117.1K

44.06%

Average Monthly Net Salary (After Tax)

$1,636 €1,460

$341 ₱21.4K

379.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.65

7.2

-49.31%

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

Last update for Gradac: 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

Gradac

$529 33.5%

Cebu

$309 33.5% 41.5% $219

Groceries & Markets

Gradac

$269 17.1%

Cebu

$210 22.7% 21.8% $59

Eating Out

Gradac

$252 16%

Cebu

$88 9.6% 64.9% $163

Monthly Utilities & Internet

Gradac

$244 15.5%

Cebu

$163 17.7% 33.1% $81

Clothing & Footwear

Gradac

$154 9.8%

Cebu

$95 10.2% 38.6% $59

Sport & Entertainment

Gradac

$70 4.5%

Cebu

$44 4.7% 38.1% $27

Getting Around

Gradac

$60 3.8%

Cebu

$15 1.7% 74.3% $45

Cost Breakdown

A one-bedroom apartment in the center runs $674 in Gradac and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Gradac pays 380% 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: $62.0 in Gradac vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $269 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Gradac

🇵🇭 Cebu

🕒 Local time

07:25 7:25 AM

13:25 1:25 PM

6 h ahead of Gradac

🌤 Weather

👥 Population

3,300

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

Gradac Cebu 10,530 km ≈ 14 h nonstop flight

From you

Gradac
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

Gradac vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 66% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 380% higher in Gradac, 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: $674 in Gradac versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,553 per month in Gradac versus $934 in Cebu – a 66% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 238% less than in Gradac. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,553 in Gradac, a $1,500 budget is realistic in Cebu but tight or insufficient in Gradac. 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 Gradac, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Gradac 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 66% less than in Gradac. Beyond cost, consider language, visa policies, and how big the international community is in each city.