Last update: Oct 2026

Cost of Living Comparison Between Haapsalu and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,526 in Haapsalu, rent and utilities included – about $7,300 less a year. Other living expenses account for most of the difference.

74

Cost of Living Index in Haapsalu
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Haapsalu Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Haapsalu

🇪🇪 Estonia

$1,526

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,526 in Haapsalu versus $918 in Cebu.

Haapsalu $1,526
Cebu $918

Estimated couple costs with rent: $2,255 in Haapsalu versus $1,409 in Cebu.

Haapsalu $2,255
Cebu $1,409

Monthly costs for a family of three with rent: $2,984 in Haapsalu versus $1,900 in Cebu.

Haapsalu $2,984
Cebu $1,900

Living in Haapsalu 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: Haapsalu is 13% above, Cebu is 32% below.

Meal at Budget Restaurant

$17.05 €15.21

$3.09 ₱195

451.78%

Three-Course Dinner for Two, Mid-Range

$69.4 €61.9

$24.22 ₱1,526

186.46%

Fast Food Meal (McDonalds, etc)

$10.97 €9.79

$3.92 ₱247

179.85%

Cappuccino

$4.16 €3.71

$2.51 ₱158

65.74%

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

$3.32 €2.97

$1.59 ₱100

108.81%

Water (0.33 liter bottle)

$3.68 €3.28

$0.53 ₱33.47

594.34%

Local Beer (0.5 liter draught)

$6.28 €5.60

$1.78 ₱112

252.81%

Imported Beer (0.33 liter bottle)

$7.20 €6.42

$2.17 ₱137

231.80%

Milk (1 liter)

$1.23 €1.10

$1.92 ₱121

-35.94%

White Bread (500g)

$1.93 €1.72

$1.36 ₱85.5

41.91%

Rice (white) (1kg)

$2.31 €2.06

$1.01 ₱63.6

128.71%

Eggs

$2.93 €2.62

$2.03 ₱128

44.33%

Local Cheese (1kg)

$12.64 €11.27

$9.86 ₱622

28.19%

Chicken Fillets (1kg)

$8.34 €7.44

$4.39 ₱277

89.98%

Beef Round Steak (1kg)

$15.03 €13.40

$7.60 ₱479

97.76%

Apples (1kg)

$2.03 €1.81

$3.30 ₱208

-38.48%

Banana (1kg)

$1.50 €1.34

$1.39 ₱87.9

7.91%

Oranges (1kg)

$2.42 €2.16

$2.33 ₱147

3.86%

Tomato (1kg)

$2.98 €2.66

$1.50 ₱94.4

98.67%

Potato (1kg)

$1.04 €0.92

$2.36 ₱149

-55.93%

Onion (1kg)

$0.90 €0.80

$1.90 ₱120

-52.63%

Lettuce (1 head)

$1.83 €1.63

$1.19 ₱75.0

53.78%

Water (1.5 liter bottle)

$1.18 €1.06

$0.63 ₱39.75

87.30%

Cigarettes 20 Pack (Marlboro, Camel)

$6.65 €5.93

$3.00 ₱189

121.67%

Wine (Bottle)

$10.29 €9.17

$6.03 ₱380

70.65%

Local Beer (0.5 liter bottle)

$2.02 €1.80

$1.23 ₱77.8

64.23%

Imported Beer (0.33 liter bottle)

$2.42 €2.16

$1.75 ₱110

38.29%

One-way Ticket (Public Transport)

$1.11 €0.99

$0.25 ₱15.88

344.00%

Public Transport Monthly Pass (Regular Price)

$17.05 €15.21

$12.64 ₱796

34.89%

Taxi Start (Normal Tariff)

$3.46 €3.09

$0.77 ₱48.67

349.35%

Taxi (Normal Tariff) (1km)

$0.99 €0.88

$0.23 ₱14.55

330.43%

Taxi 1hour Waiting (Normal Tariff)

$26.92 €24.01

$4.46 ₱281

503.59%

Gasoline (1 liter)

$1.92 €1.71

$1.31 ₱82.9

46.56%

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

$27.9K €24.9K

$21.2K ₱1.3M

31.44%

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

$30.5K €27.2K

$19.1K ₱1.2M

59.22%

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

$309 €276

$120 ₱7,577

157.08%

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

$17.66 €15.75

$14.00 ₱883

26.14%

Internet (50+ Mbps, Unlimited Data)

$35.39 €31.56

$27.54 ₱1,736

28.50%

Gym Membership (Monthly)

$43.90 €39.16

$32.33 ₱2,037

35.79%

Tennis Court (1 Hour on Weekend)

$28.34 €25.28

$6.65 ₱419

326.17%

Cinema Ticket

$6.58 €5.87

$5.65 ₱356

16.46%

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

$438 €391

$275 ₱17.4K

59.25%

International Primary School, 1 Child (Yearly)

$12.0K €10.7K

$7,918 ₱499.1K

51.81%

Jeans (Levis 501 Or Similar)

$111 €98.9

$49.33 ₱3,109

124.83%

Summer Dress (H&M, Zara, etc)

$49.06 €43.76

$25.24 ₱1,591

94.37%

Sport Shoes (Adidas, Nike)

$105 €93.4

$77.0 ₱4,851

35.99%

Men's Leather Business Shoes

$117 €104

$57.2 ₱3,605

104.20%

1-bedroom Apartment, City Center (Monthly)

$396 €353

$500 ₱31.5K

-20.74%

1-bedroom Apartment, Outside City Center (Monthly)

$330 €294

$309 ₱19.5K

6.74%

3-bedroom Apartment, City Center (Monthly)

$510 €455

$1,078 ₱67.9K

-52.72%

3-bedroom Apartment, Outside City Center (Monthly)

$440 €393

$615 ₱38.8K

-28.42%

Buy Apartment in City Center (m2)

$2,248 €2,005

$2,886 ₱181.9K

-22.12%

Buy Apartment Outside City Center (m2)

$1,660 €1,480

$1,917 ₱120.8K

-13.40%

Average Monthly Net Salary (After Tax)

$1,392 €1,241

$346 ₱21.8K

302.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.93

7.2

-45.42%

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

Last update for Haapsalu: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Haapsalu

$362 23.7%

Cebu

$162 17.6% 55.3% $200

Accommodation & Living

Haapsalu

$330 21.6%

Cebu

$309 33.6% 6.3% $21

Eating Out

Haapsalu

$293 19.2%

Cebu

$88 9.6% 69.9% $205

Groceries & Markets

Haapsalu

$283 18.5%

Cebu

$206 22.4% 27.2% $77

Clothing & Footwear

Haapsalu

$172 11.3%

Cebu

$94 10.2% 45.3% $78

Sport & Entertainment

Haapsalu

$57 3.7%

Cebu

$44 4.8% 23.6% $13

Getting Around

Haapsalu

$30 2%

Cebu

$16 1.7% 47.9% $14

Cost Breakdown

A one-bedroom apartment in the center runs $396 in Haapsalu and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Haapsalu pays 302% 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: $69.0 in Haapsalu vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $283 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇪🇪 Haapsalu

🇵🇭 Cebu

🕒 Local time

01:46 1:46 AM

06:46 6:46 AM

5 h ahead of Haapsalu

🌤 Weather

👥 Population

11,593

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 15, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 15, 2026: 1 USD = 63.03 PHP (100 PHP = 1.59 USD). 1 EUR = 70.66 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Haapsalu Cebu 9,610 km ≈ 13 h nonstop flight

From you

Haapsalu
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

Haapsalu vs Cebu: Cost of Living - Frequently Asked Questions

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

Average pay runs 302% higher in Haapsalu, 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: $396 in Haapsalu versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,526 per month in Haapsalu versus $918 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 35% less than in Haapsalu. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,526 in Haapsalu, a $1,500 budget is realistic in Cebu but tight or insufficient in Haapsalu. 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 Haapsalu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Haapsalu 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 Haapsalu. Beyond cost, consider language, visa policies, and how big the international community is in each city.