Last update: Oct 2026

Cost of Living Comparison Between Hamar and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,380 in Hamar, rent and utilities included – about $17,500 less a year. Other living expenses account for most of the difference.

117

Cost of Living Index in Hamar
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Hamar Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Hamar

🇳🇴 Norway

$2,380

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,380 in Hamar versus $918 in Cebu.

Hamar $2,380
Cebu $918

Estimated couple costs with rent: $3,750 in Hamar versus $1,409 in Cebu.

Hamar $3,750
Cebu $1,409

Monthly costs for a family of three with rent: $5,120 in Hamar versus $1,900 in Cebu.

Hamar $5,120
Cebu $1,900

Living in Hamar is roughly 159% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Hamar is 76% above, Cebu is 32% below.

Meal at Budget Restaurant

$21.18 NOK 199

$3.09 ₱195

585.44%

Three-Course Dinner for Two, Mid-Range

$125 NOK 1,180

$24.22 ₱1,525

417.38%

Fast Food Meal (McDonalds, etc)

$15.83 NOK 149

$3.92 ₱247

303.83%

Cappuccino

$5.76 NOK 54.2

$2.51 ₱158

129.48%

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

$4.21 NOK 39.63

$1.59 ₱100

164.78%

Water (0.33 liter bottle)

$3.28 NOK 30.85

$0.53 ₱33.45

518.87%

Local Beer (0.5 liter draught)

$11.49 NOK 108

$1.78 ₱112

545.51%

Imported Beer (0.33 liter bottle)

$8.07 NOK 76.0

$2.17 ₱137

271.89%

Milk (1 liter)

$2.50 NOK 23.53

$1.92 ₱121

30.21%

White Bread (500g)

$2.93 NOK 27.57

$1.36 ₱85.5

115.44%

Rice (white) (1kg)

$2.06 NOK 19.36

$1.01 ₱63.6

103.96%

Eggs

$5.76 NOK 54.3

$2.03 ₱128

183.74%

Local Cheese (1kg)

$11.05 NOK 104

$9.86 ₱621

12.07%

Chicken Fillets (1kg)

$12.20 NOK 115

$4.39 ₱277

177.90%

Beef Round Steak (1kg)

$31.42 NOK 296

$7.60 ₱479

313.42%

Apples (1kg)

$3.21 NOK 30.26

$3.30 ₱208

-2.73%

Banana (1kg)

$2.57 NOK 24.17

$1.39 ₱87.8

84.89%

Oranges (1kg)

$3.05 NOK 28.74

$2.33 ₱147

30.90%

Tomato (1kg)

$5.89 NOK 55.5

$1.50 ₱94.3

292.67%

Potato (1kg)

$2.48 NOK 23.34

$2.36 ₱149

5.08%

Onion (1kg)

$2.44 NOK 22.95

$1.90 ₱119

28.42%

Lettuce (1 head)

$2.12 NOK 19.97

$1.19 ₱74.9

78.15%

Water (1.5 liter bottle)

$1.99 NOK 18.74

$0.63 ₱39.73

215.87%

Cigarettes 20 Pack (Marlboro, Camel)

$18.94 NOK 178

$3.00 ₱189

531.33%

Wine (Bottle)

$16.40 NOK 154

$6.03 ₱380

171.97%

Local Beer (0.5 liter bottle)

$3.38 NOK 31.78

$1.23 ₱77.7

174.80%

Imported Beer (0.33 liter bottle)

$4.18 NOK 39.37

$1.75 ₱110

138.86%

One-way Ticket (Public Transport)

$4.66 NOK 43.87

$0.25 ₱15.87

1764.00%

Public Transport Monthly Pass (Regular Price)

$67.5 NOK 635

$12.64 ₱796

433.70%

Taxi Start (Normal Tariff)

$11.92 NOK 112

$0.77 ₱48.64

1448.05%

Taxi (Normal Tariff) (1km)

$1.78 NOK 16.76

$0.23 ₱14.54

673.91%

Taxi 1hour Waiting (Normal Tariff)

$69.5 NOK 654

$4.46 ₱281

1458.74%

Gasoline (1 liter)

$2.37 NOK 22.32

$1.31 ₱82.8

80.92%

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

$47.8K NOK 449.5K

$21.2K ₱1.3M

124.80%

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

$43.6K NOK 410.2K

$19.1K ₱1.2M

127.60%

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

$223 NOK 2,104

$120 ₱7,573

85.86%

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

$33.07 NOK 311

$14.00 ₱882

136.21%

Internet (50+ Mbps, Unlimited Data)

$54.1 NOK 509

$27.54 ₱1,735

96.37%

Gym Membership (Monthly)

$58.2 NOK 548

$32.33 ₱2,036

80.05%

Tennis Court (1 Hour on Weekend)

$29.40 NOK 277

$6.65 ₱419

342.11%

Cinema Ticket

$19.79 NOK 186

$5.65 ₱356

250.27%

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

$207 NOK 1,948

$275 ₱17.3K

-24.83%

International Primary School, 1 Child (Yearly)

$15.8K NOK 148.3K

$7,918 ₱498.8K

99.01%

Jeans (Levis 501 Or Similar)

$102 NOK 959

$49.33 ₱3,107

106.51%

Summer Dress (H&M, Zara, etc)

$59.5 NOK 560

$25.24 ₱1,590

135.86%

Sport Shoes (Adidas, Nike)

$131 NOK 1,230

$77.0 ₱4,848

69.84%

Men's Leather Business Shoes

$104 NOK 977

$57.2 ₱3,603

81.45%

1-bedroom Apartment, City Center (Monthly)

$1,227 NOK 11.6K

$500 ₱31.5K

145.67%

1-bedroom Apartment, Outside City Center (Monthly)

$847 NOK 7,973

$309 ₱19.5K

174.27%

3-bedroom Apartment, City Center (Monthly)

$1,578 NOK 14.9K

$1,078 ₱67.9K

46.38%

3-bedroom Apartment, Outside City Center (Monthly)

$1,489 NOK 14.0K

$615 ₱38.8K

142.09%

Buy Apartment in City Center (m2)

$4,302 NOK 40.5K

$2,886 ₱181.8K

49.06%

Buy Apartment Outside City Center (m2)

$3,421 NOK 32.2K

$1,917 ₱120.7K

78.52%

Average Monthly Net Salary (After Tax)

$4,269 NOK 40.2K

$346 ₱21.8K

1133.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

7.2

-31.39%

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

Last update for Hamar: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Hamar

$847 35.6%

Cebu

$309 33.6% 63.5% $538

Groceries & Markets

Hamar

$450 18.9%

Cebu

$206 22.4% 54.2% $244

Eating Out

Hamar

$390 16.4%

Cebu

$88 9.6% 77.3% $301

Monthly Utilities & Internet

Hamar

$311 13.1%

Cebu

$162 17.6% 47.9% $149

Clothing & Footwear

Hamar

$178 7.5%

Cebu

$94 10.2% 47.3% $84

Getting Around

Hamar

$107 4.5%

Cebu

$16 1.7% 85.4% $91

Sport & Entertainment

Hamar

$98 4.1%

Cebu

$44 4.8% 55.4% $54

Cost Breakdown

A one-bedroom apartment in the center runs $1,227 in Hamar and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Hamar pays 1134% 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: $125 in Hamar vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $450 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Hamar

🇵🇭 Cebu

🕒 Local time

17:32 5:32 PM

23:32 11:32 PM

6 h ahead of Hamar

🌤 Weather

👥 Population

33,059

964,169

💱 Currency

Norwegian Krone NOK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 NOK = 10.62 USD

100 NOK = 9.45 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 17, 2026: 1 USD = 9.41 NOK (1 NOK = 0.106 USD). 1 EUR = 10.58 NOK (100 NOK = 9.45 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).

USD to NOK in detail →

On the map

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Highest

Between locations

Hamar Cebu 10,190 km ≈ 13 h nonstop flight

From you

Hamar
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

Hamar vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 159% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1134% higher in Hamar, 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: $1,227 in Hamar versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,380 per month in Hamar versus $918 in Cebu – a 159% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 434% less than in Hamar. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,380 in Hamar, a $1,500 budget is realistic in Cebu but tight or insufficient in Hamar. 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 Hamar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hamar 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 159% less than in Hamar. Beyond cost, consider language, visa policies, and how big the international community is in each city.