Last update: Oct 2026

Cost of Living Comparison Between Hagatna and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,740 in Hagatna, rent and utilities included – about $21,900 less a year. Higher rent and utilities in Hagatna outweigh lower spending on other living expenses.

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Cost of Living Index in Cebu
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Cebu Living Index

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Hagatna

🇬🇺 Guam

$2,740

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,740 in Hagatna versus $918 in Cebu.

Hagatna $2,740
Cebu $918

Estimated couple costs with rent: $2,939 in Hagatna versus $1,409 in Cebu.

Hagatna $2,939
Cebu $1,409

Monthly costs for a family of three with rent: $3,138 in Hagatna versus $1,900 in Cebu.

Hagatna $3,138
Cebu $1,900

Living in Hagatna is roughly 199% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Hagatna is 103% above, Cebu is 32% below.

Meal at Budget Restaurant

$3.09 ₱195

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

Cappuccino

$2.51 ₱158

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

$1.59 ₱100

Water (0.33 liter bottle)

$0.53 ₱33.45

Local Beer (0.5 liter draught)

$1.78 ₱112

Imported Beer (0.33 liter bottle)

$2.17 ₱137

Milk (1 liter)

$3.85 $3.85

$1.92 ₱121

100.52%

White Bread (500g)

$1.36 ₱85.5

Rice (white) (1kg)

$1.01 ₱63.6

Eggs

$9.46 $9.46

$2.03 ₱128

366.01%

Local Cheese (1kg)

$9.86 ₱621

Chicken Fillets (1kg)

$4.39 ₱277

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$3.30 ₱208

Banana (1kg)

$1.39 ₱87.8

Oranges (1kg)

$2.33 ₱147

Tomato (1kg)

$1.50 ₱94.3

Potato (1kg)

$2.36 ₱149

Onion (1kg)

$1.90 ₱119

Lettuce (1 head)

$1.19 ₱74.9

Water (1.5 liter bottle)

$0.63 ₱39.73

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

Wine (Bottle)

$6.03 ₱380

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

Imported Beer (0.33 liter bottle)

$1.75 ₱110

One-way Ticket (Public Transport)

$0.25 ₱15.87

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.64

Taxi (Normal Tariff) (1km)

$0.23 ₱14.54

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.32 $1.32

$1.31 ₱82.8

0.76%

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

$21.2K ₱1.3M

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

$19.1K ₱1.2M

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

$345 $345

$120 ₱7,573

186.96%

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

$60.5 $60.5

$14.00 ₱882

332.43%

Internet (50+ Mbps, Unlimited Data)

$59.6 $59.6

$27.54 ₱1,735

116.41%

Gym Membership (Monthly)

$32.33 ₱2,036

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

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

$275 ₱17.3K

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,107

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,590

Sport Shoes (Adidas, Nike)

$77.0 ₱4,848

Men's Leather Business Shoes

$57.2 ₱3,603

1-bedroom Apartment, City Center (Monthly)

$2,178 $2,178

$500 ₱31.5K

335.96%

1-bedroom Apartment, Outside City Center (Monthly)

$2,198 $2,198

$309 ₱19.5K

611.85%

3-bedroom Apartment, City Center (Monthly)

$2,423 $2,423

$1,078 ₱67.9K

124.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,402 $2,402

$615 ₱38.8K

290.50%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$6,807 $6,807

$346 ₱21.8K

1867.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Hagatna: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Hagatna

–

Cebu

$309 33.6%

Groceries & Markets

Hagatna

–

Cebu

$206 22.4%

Monthly Utilities & Internet

Hagatna

–

Cebu

$162 17.6%

Clothing & Footwear

Hagatna

–

Cebu

$94 10.2%

Eating Out

Hagatna

–

Cebu

$88 9.6%

Sport & Entertainment

Hagatna

–

Cebu

$44 4.8%

Getting Around

Hagatna

–

Cebu

$16 1.7%

Cost Breakdown

A one-bedroom apartment in the center runs $2,178 in Hagatna and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Hagatna pays 1868% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Good to know

🇬🇺 Hagatna

🇵🇭 Cebu

🕒 Local time

01:39 1:39 AM

23:39 11:39 PM

2 h behind Hagatna

🌤 Weather

👥 Population

1,100 Capital

964,169

💱 Currency

United States Dollar USD $

Philippine Peso PHP ₱

📈 Exchange rate

1 USD = 0.889 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, EUR to USD – United States Dollar Converter

🇵🇭 Philippine Peso (₱)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

PHP to USD in detail →

On the map

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Highest

Between locations

Hagatna Cebu 2,300 km ≈ 3 h 15 min nonstop flight

From you

Hagatna
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

Hagatna vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in utilities. The 199% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1868% higher in Hagatna, 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: $2,178 in Hagatna versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Hagatna pay roughly 170% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,740 per month in Hagatna versus $918 in Cebu – a 199% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,740 in Hagatna, a $1,500 budget is realistic in Cebu but tight or insufficient in Hagatna. 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 Hagatna, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hagatna 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 199% less than in Hagatna. Beyond cost, consider language, visa policies, and how big the international community is in each city.