Last update: Oct 2026

Cost of Living Comparison Between Hamamatsu and Cebu

For one person, living is cheaper in Hamamatsu: $775 a month against $918 in Cebu, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

38

Cost of Living Index in Hamamatsu
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Hamamatsu Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Hamamatsu

🇯🇵 Japan

$775

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $775 in Hamamatsu versus $918 in Cebu.

Hamamatsu $775
Cebu $918

Estimated couple costs with rent: $1,251 in Hamamatsu versus $1,409 in Cebu.

Hamamatsu $1,251
Cebu $1,409

Monthly costs for a family of three with rent: $1,727 in Hamamatsu versus $1,900 in Cebu.

Hamamatsu $1,727
Cebu $1,900

Living in Hamamatsu costs roughly 16% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Hamamatsu 43% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.86 ¥610

$3.09 ₱194

24.92%

Three-Course Dinner for Two, Mid-Range

$40.71 ¥6,432

$24.22 ₱1,525

68.08%

Fast Food Meal (McDonalds, etc)

$5.07 ¥801

$3.92 ₱247

29.34%

Cappuccino

$3.34 ¥528

$2.51 ₱158

33.07%

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

$1.04 ¥165

$1.59 ₱100

-34.59%

Water (0.33 liter bottle)

$0.75 ¥118

$0.53 ₱33.43

41.51%

Local Beer (0.5 liter draught)

$2.49 ¥393

$1.78 ₱112

39.89%

Imported Beer (0.33 liter bottle)

$3.22 ¥508

$2.17 ₱137

48.39%

Milk (1 liter)

$1.01 ¥160

$1.92 ₱121

-47.40%

White Bread (500g)

$1.64 ¥260

$1.36 ₱85.4

20.59%

Rice (white) (1kg)

$3.65 ¥577

$1.01 ₱63.5

261.39%

Eggs

$1.60 ¥253

$2.03 ₱128

-21.18%

Local Cheese (1kg)

$10.37 ¥1,638

$9.86 ₱621

5.17%

Chicken Fillets (1kg)

$5.92 ¥935

$4.39 ₱277

34.85%

Beef Round Steak (1kg)

$14.44 ¥2,282

$7.60 ₱479

90.00%

Apples (1kg)

$5.69 ¥899

$3.30 ₱208

72.42%

Banana (1kg)

$2.80 ¥443

$1.39 ₱87.8

101.44%

Oranges (1kg)

$2.95 ¥467

$2.33 ₱147

26.61%

Tomato (1kg)

$4.14 ¥654

$1.50 ₱94.3

176.00%

Potato (1kg)

$2.63 ¥415

$2.36 ₱149

11.44%

Onion (1kg)

$2.54 ¥401

$1.90 ₱119

33.68%

Lettuce (1 head)

$1.24 ¥196

$1.19 ₱74.9

4.20%

Water (1.5 liter bottle)

$0.65 ¥102

$0.63 ₱39.71

3.17%

Cigarettes 20 Pack (Marlboro, Camel)

$3.86 ¥610

$3.00 ₱189

28.67%

Wine (Bottle)

$6.19 ¥977

$6.03 ₱379

2.65%

Local Beer (0.5 liter bottle)

$1.76 ¥278

$1.23 ₱77.7

43.09%

Imported Beer (0.33 liter bottle)

$2.11 ¥333

$1.75 ₱110

20.57%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$50.8 ¥8,017

$12.64 ₱796

301.50%

Taxi Start (Normal Tariff)

$3.21 ¥507

$0.77 ₱48.62

316.88%

Taxi (Normal Tariff) (1km)

$2.74 ¥433

$0.23 ₱14.53

1091.30%

Taxi 1hour Waiting (Normal Tariff)

$20.75 ¥3,278

$4.46 ₱281

365.25%

Gasoline (1 liter)

$1.10 ¥173

$1.31 ₱82.8

-16.03%

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

$21.0K ¥3.3M

$21.2K ₱1.3M

-1.31%

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

$18.1K ¥2.9M

$19.1K ₱1.2M

-5.73%

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

$131 ¥20.7K

$120 ₱7,569

8.82%

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

$8.51 ¥1,345

$14.00 ₱882

-39.21%

Internet (50+ Mbps, Unlimited Data)

$32.52 ¥5,137

$27.54 ₱1,734

18.08%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$16.81 ¥2,655

$6.65 ₱419

152.78%

Cinema Ticket

$12.81 ¥2,024

$5.65 ₱356

126.73%

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

$643 ¥101.5K

$275 ₱17.3K

133.41%

International Primary School, 1 Child (Yearly)

$14.9K ¥2.4M

$7,918 ₱498.5K

88.80%

Jeans (Levis 501 Or Similar)

$61.5 ¥9,712

$49.33 ₱3,106

24.63%

Summer Dress (H&M, Zara, etc)

$36.85 ¥5,822

$25.24 ₱1,589

46.00%

Sport Shoes (Adidas, Nike)

$61.0 ¥9,639

$77.0 ₱4,846

-20.73%

Men's Leather Business Shoes

$102 ¥16.1K

$57.2 ₱3,601

78.39%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$7,748 ¥1.2M

$2,886 ₱181.7K

168.46%

Buy Apartment Outside City Center (m2)

$5,222 ¥825.0K

$1,917 ₱120.7K

172.48%

Average Monthly Net Salary (After Tax)

$1,580 ¥249.7K

$346 ₱21.8K

356.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.64

7.2

-63.33%

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

Last update for Hamamatsu: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Hamamatsu

$280 36.2%

Cebu

$206 22.4% 26.6% $75

Monthly Utilities & Internet

Hamamatsu

$172 22.2%

Cebu

$162 17.6% 5.9% $10

Clothing & Footwear

Hamamatsu

$118 15.2%

Cebu

$94 10.2% 20.1% $24

Eating Out

Hamamatsu

$112 14.5%

Cebu

$88 9.6% 21.4% $24

Getting Around

Hamamatsu

$68 * 8.7%

Cebu

$16 1.7% 77% $52

Sport & Entertainment

Hamamatsu

$26 * 3.3%

Cebu

$44 4.8% 70.3% $18

Accommodation & Living

Hamamatsu

- * 0%

Cebu

$309 33.6%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Hamamatsu pays 357% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $41.00 in Hamamatsu vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $280 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Hamamatsu

🇵🇭 Cebu

🕒 Local time

16:37 4:37 PM

15:37 3:37 PM

1 h behind Hamamatsu

🌤 Weather

👥 Population

797,033

964,169

💱 Currency

Japanese Yen JPY ¥

Philippine Peso PHP ₱

📈 Exchange rate

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to JPY – Japanese Yen Converter

🇺🇸 United States Dollar ($)

🇯🇵 Japanese Yen (¥)

Japanese Yen exchange rates as of October 19, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

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 JPY in detail →

On the map

Lowest

Highest

Between locations

Hamamatsu Cebu 3,060 km ≈ 4 h 15 min nonstop flight

From you

Hamamatsu
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

Hamamatsu vs Cebu: Cost of Living - Frequently Asked Questions

Hamamatsu is cheaper overall, especially in utilities and leisure. The 18% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 357% higher in Hamamatsu, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

All in, you'll spend $775 per month in Hamamatsu versus $918 in Cebu – a 18% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Hamamatsu runs roughly 302% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Hamamatsu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Hamamatsu is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hamamatsu 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 Hamamatsu gentler on the wallet – expenses run 18% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.