Last update: Oct 2026

Cost of Living Comparison Between Guarda and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,281 in Guarda, rent and utilities included – about $4,400 less a year. Other living expenses account for most of the difference.

62

Cost of Living Index in Guarda
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Guarda Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Guarda

🇵🇹 Portugal

$1,281

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,281 in Guarda versus $915 in Cebu.

Guarda $1,281
Cebu $915

Estimated couple costs with rent: $1,993 in Guarda versus $1,418 in Cebu.

Guarda $1,993
Cebu $1,418

Monthly costs for a family of three with rent: $2,705 in Guarda versus $1,921 in Cebu.

Guarda $2,705
Cebu $1,921

Living in Guarda is roughly 40% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Guarda 5% lower, Cebu 33% lower.

Meal at Budget Restaurant

$12.86 €11.44

$3.05 ₱192

321.64%

Three-Course Dinner for Two, Mid-Range

$45.18 €40.19

$24.00 ₱1,511

88.25%

Fast Food Meal (McDonalds, etc)

$11.11 €9.89

$3.99 ₱251

178.45%

Cappuccino

$1.70 €1.51

$2.50 ₱157

-32.00%

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

$1.92 €1.71

$1.54 ₱97.1

24.68%

Water (0.33 liter bottle)

$1.67 €1.48

$0.50 ₱31.37

234.00%

Local Beer (0.5 liter draught)

$2.27 €2.02

$1.78 ₱112

27.53%

Imported Beer (0.33 liter bottle)

$3.95 €3.52

$2.17 ₱136

82.03%

Milk (1 liter)

$0.98 €0.87

$2.00 ₱126

-51.00%

White Bread (500g)

$1.67 €1.49

$1.37 ₱86.2

21.90%

Rice (white) (1kg)

$1.60 €1.42

$1.03 ₱64.9

55.34%

Eggs

$3.79 €3.37

$2.03 ₱128

86.70%

Local Cheese (1kg)

$11.34 €10.08

$10.20 ₱642

11.18%

Chicken Fillets (1kg)

$11.99 €10.67

$4.45 ₱280

169.44%

Beef Round Steak (1kg)

$23.90 €21.25

$7.67 ₱483

211.60%

Apples (1kg)

$2.41 €2.14

$3.31 ₱208

-27.19%

Banana (1kg)

$1.69 €1.50

$1.46 ₱91.8

15.75%

Oranges (1kg)

$2.11 €1.87

$2.32 ₱146

-9.05%

Tomato (1kg)

$2.34 €2.08

$1.49 ₱94.0

57.05%

Potato (1kg)

$2.34 €2.08

$2.34 ₱147

Onion (1kg)

$2.32 €2.07

$1.94 ₱122

19.59%

Lettuce (1 head)

$0.92 €0.82

$1.16 ₱73.0

-20.69%

Water (1.5 liter bottle)

$1.14 €1.01

$0.68 ₱42.89

67.65%

Cigarettes 20 Pack (Marlboro, Camel)

$6.84 €6.08

$2.99 ₱188

128.76%

Wine (Bottle)

$5.13 €4.57

$6.24 ₱393

-17.79%

Local Beer (0.5 liter bottle)

$1.72 €1.53

$1.23 ₱77.3

39.84%

Imported Beer (0.33 liter bottle)

$2.51 €2.23

$1.73 ₱109

45.09%

One-way Ticket (Public Transport)

$1.69 €1.51

$0.23 ₱14.36

634.78%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$4.96 €4.41

$0.79 ₱49.96

527.85%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

Taxi 1hour Waiting (Normal Tariff)

$17.02 €15.14

$4.54 ₱286

274.89%

Gasoline (1 liter)

$2.21 €1.96

$1.32 ₱82.9

67.42%

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

$32.4K €28.8K

$21.0K ₱1.3M

54.23%

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

$38.5K €34.3K

$19.4K ₱1.2M

98.50%

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

$190 €169

$119 ₱7,464

60.17%

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

$16.68 €14.83

$14.22 ₱896

17.30%

Internet (50+ Mbps, Unlimited Data)

$49.92 €44.40

$27.47 ₱1,730

81.73%

Gym Membership (Monthly)

$56.1 €49.94

$32.31 ₱2,034

73.75%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$6.92 €6.16

$5.40 ₱340

28.15%

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

$429 €382

$276 ₱17.4K

55.50%

International Primary School, 1 Child (Yearly)

$13.5K €12.0K

$7,866 ₱495.3K

71.43%

Jeans (Levis 501 Or Similar)

$33.49 €29.79

$49.37 ₱3,108

-32.17%

Summer Dress (H&M, Zara, etc)

$22.63 €20.13

$24.58 ₱1,548

-7.93%

Sport Shoes (Adidas, Nike)

$134 €119

$76.6 ₱4,825

74.93%

Men's Leather Business Shoes

$165 €147

$58.9 ₱3,706

180.60%

1-bedroom Apartment, City Center (Monthly)

$398 €354

$503 ₱31.7K

-20.97%

1-bedroom Apartment, Outside City Center (Monthly)

$284 €253

$305 ₱19.2K

-6.77%

3-bedroom Apartment, City Center (Monthly)

$736 €655

$1,075 ₱67.7K

-31.49%

3-bedroom Apartment, Outside City Center (Monthly)

$561 €499

$632 ₱39.8K

-11.27%

Buy Apartment in City Center (m2)

$1,364 €1,213

$2,870 ₱180.7K

-52.46%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.27

7.2

-54.58%

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

Last update for Guarda: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Guarda

$309 24.1%

Cebu

$210 22.9% 32.1% $99

Accommodation & Living

Guarda

$284 22.2%

Cebu

$305 33.3% 7.3% $21

Monthly Utilities & Internet

Guarda

$256 20%

Cebu

$160 17.5% 37.5% $96

Eating Out

Guarda

$190 14.9%

Cebu

$88 9.6% 53.9% $102

Clothing & Footwear

Guarda

$160 12.5%

Cebu

$94 10.3% 41.1% $66

Sport & Entertainment

Guarda

$70 5.5%

Cebu

$43 4.7% 38.4% $27

Getting Around

Guarda

$12 * 0.9%

Cebu

$15 1.7% 29% $3.4

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 $398 in Guarda and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $45.00 in Guarda vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $309 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇹 Guarda

🇵🇭 Cebu

🕒 Local time

14:08 2:08 PM

21:08 9:08 PM

7 h ahead of Guarda

🌤 Weather

👥 Population

40,126

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 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 22, 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

Lowest

Highest

Between locations

Guarda Cebu 12,460 km ≈ 16 h nonstop flight

From you

Guarda
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

Guarda vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 40% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,922 in Guarda and $1,372 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $398 in Guarda versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 47% higher in Guarda. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,281 per month in Guarda versus $915 in Cebu – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

At $915 in Cebu versus $1,281 in Guarda, a $1,500 budget is realistic in Cebu but tight or insufficient in Guarda. 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 Guarda, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Guarda 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 40% less than in Guarda. Beyond cost, consider language, visa policies, and how big the international community is in each city.