Last update: Oct 2026

Cost of Living Comparison Between Hamm and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,481 in Hamm, rent and utilities included – about $6,800 less a year. Other living expenses account for most of the difference.

71

Cost of Living Index in Hamm
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Hamm Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Hamm

🇩🇪 Germany

$1,481

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,481 in Hamm versus $918 in Cebu.

Hamm $1,481
Cebu $918

Estimated couple costs with rent: $2,219 in Hamm versus $1,409 in Cebu.

Hamm $2,219
Cebu $1,409

Monthly costs for a family of three with rent: $2,957 in Hamm versus $1,900 in Cebu.

Hamm $2,957
Cebu $1,900

Living in Hamm is roughly 61% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Hamm is 10% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.40 €11.92

$3.09 ₱194

333.66%

Three-Course Dinner for Two, Mid-Range

$66.0 €58.7

$24.22 ₱1,525

172.34%

Fast Food Meal (McDonalds, etc)

$18.02 €16.03

$3.92 ₱247

359.69%

Cappuccino

$4.49 €4.00

$2.51 ₱158

78.88%

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

$2.83 €2.51

$1.59 ₱100

77.99%

Water (0.33 liter bottle)

$2.38 €2.11

$0.53 ₱33.43

349.06%

Local Beer (0.5 liter draught)

$2.77 €2.46

$1.78 ₱112

55.62%

Imported Beer (0.33 liter bottle)

$3.84 €3.41

$2.17 ₱137

76.96%

Milk (1 liter)

$1.24 €1.10

$1.92 ₱121

-35.42%

White Bread (500g)

$2.10 €1.87

$1.36 ₱85.4

54.41%

Rice (white) (1kg)

$3.92 €3.48

$1.01 ₱63.5

288.12%

Eggs

$3.41 €3.03

$2.03 ₱128

67.98%

Local Cheese (1kg)

$14.30 €12.72

$9.86 ₱621

45.03%

Chicken Fillets (1kg)

$10.69 €9.50

$4.39 ₱277

143.51%

Beef Round Steak (1kg)

$25.33 €22.53

$7.60 ₱479

233.29%

Apples (1kg)

$3.43 €3.05

$3.30 ₱208

3.94%

Banana (1kg)

$2.24 €1.99

$1.39 ₱87.8

61.15%

Oranges (1kg)

$2.38 €2.12

$2.33 ₱147

2.15%

Tomato (1kg)

$4.26 €3.79

$1.50 ₱94.3

184.00%

Potato (1kg)

$1.48 €1.32

$2.36 ₱149

-37.29%

Onion (1kg)

$1.16 €1.03

$1.90 ₱119

-38.95%

Lettuce (1 head)

$1.73 €1.54

$1.19 ₱74.9

45.38%

Water (1.5 liter bottle)

$1.00 €0.89

$0.63 ₱39.71

58.73%

Cigarettes 20 Pack (Marlboro, Camel)

$9.17 €8.16

$3.00 ₱189

205.67%

Wine (Bottle)

$6.82 €6.07

$6.03 ₱379

13.10%

Local Beer (0.5 liter bottle)

$1.11 €0.98

$1.23 ₱77.7

-9.76%

Imported Beer (0.33 liter bottle)

$1.33 €1.18

$1.75 ₱110

-24.00%

One-way Ticket (Public Transport)

$3.05 €2.72

$0.25 ₱15.86

1120.00%

Public Transport Monthly Pass (Regular Price)

$60.8 €54.1

$12.64 ₱796

380.70%

Taxi Start (Normal Tariff)

$5.11 €4.55

$0.77 ₱48.62

563.64%

Taxi (Normal Tariff) (1km)

$2.29 €2.04

$0.23 ₱14.53

895.65%

Taxi 1hour Waiting (Normal Tariff)

$33.12 €29.46

$4.46 ₱281

642.60%

Gasoline (1 liter)

$2.08 €1.85

$1.31 ₱82.8

58.78%

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

$32.4K €28.8K

$21.2K ₱1.3M

52.54%

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

$38.5K €34.3K

$19.1K ₱1.2M

101.31%

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

$468 €416

$120 ₱7,569

289.01%

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

$25.27 €22.48

$14.00 ₱882

80.50%

Internet (50+ Mbps, Unlimited Data)

$40.90 €36.38

$27.54 ₱1,734

48.51%

Gym Membership (Monthly)

$27.40 €24.38

$32.33 ₱2,035

-15.25%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$13.51 €12.02

$5.65 ₱356

139.12%

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

$164 €146

$275 ₱17.3K

-40.40%

International Primary School, 1 Child (Yearly)

$25.3K €22.5K

$7,918 ₱498.5K

218.99%

Jeans (Levis 501 Or Similar)

$95.2 €84.7

$49.33 ₱3,106

93.07%

Summer Dress (H&M, Zara, etc)

$49.25 €43.81

$25.24 ₱1,589

95.13%

Sport Shoes (Adidas, Nike)

$110 €97.4

$77.0 ₱4,846

42.28%

Men's Leather Business Shoes

$195 €174

$57.2 ₱3,601

241.01%

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)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$2,045 €1,819

$346 ₱21.8K

491.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.96

7.2

-45.00%

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

Last update for Hamm: 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

Hamm

$534 36%

Cebu

$162 17.6% 69.7% $372

Groceries & Markets

Hamm

$344 23.2%

Cebu

$206 22.4% 40.1% $138

Eating Out

Hamm

$258 17.4%

Cebu

$88 9.6% 65.7% $169

Clothing & Footwear

Hamm

$202 13.6%

Cebu

$94 10.2% 53.5% $108

Getting Around

Hamm

$90 6.1%

Cebu

$16 1.7% 82.6% $74

Sport & Entertainment

Hamm

$54 3.7%

Cebu

$44 4.8% 19.9% $11

Accommodation & Living

Hamm

- * 0%

Cebu

$309 33.6%

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

Cost Breakdown

Hamm pays 491% 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: $66.0 in Hamm vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $344 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇩🇪 Hamm

🇵🇭 Cebu

🕒 Local time

12:35 12:35 PM

18:35 6:35 PM

6 h ahead of Hamm

🌤 Weather

👥 Population

180,000

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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 18, 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

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Highest

Between locations

Hamm Cebu 10,830 km ≈ 14 h nonstop flight

From you

Hamm
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

Hamm vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 61% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 491% higher in Hamm, 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 $1,481 per month in Hamm versus $918 in Cebu – a 61% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 381% less than in Hamm. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,481 in Hamm, a $1,500 budget is realistic in Cebu but tight or insufficient in Hamm. 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 Hamm, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hamm 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 61% less than in Hamm. Beyond cost, consider language, visa policies, and how big the international community is in each city.