Last update: Oct 2026

Cost of Living Comparison Between Härnösand and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,729 in Härnösand, rent and utilities included – about $9,700 less a year. Other living expenses account for most of the difference.

84

Cost of Living Index in Härnösand
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Härnösand Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Härnösand

🇸🇪 Sweden

$1,729

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,729 in Härnösand versus $918 in Cebu.

Härnösand $1,729
Cebu $918

Estimated couple costs with rent: $2,677 in Härnösand versus $1,409 in Cebu.

Härnösand $2,677
Cebu $1,409

Monthly costs for a family of three with rent: $3,625 in Härnösand versus $1,900 in Cebu.

Härnösand $3,625
Cebu $1,900

Living in Härnösand is roughly 88% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Härnösand is 28% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.06 SEK 129

$3.09 ₱194

322.65%

Three-Course Dinner for Two, Mid-Range

$74.8 SEK 741

$24.22 ₱1,525

208.84%

Fast Food Meal (McDonalds, etc)

$9.71 SEK 96.2

$3.92 ₱247

147.70%

Cappuccino

$4.36 SEK 43.18

$2.51 ₱158

73.71%

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

$2.59 SEK 25.66

$1.59 ₱100

62.89%

Water (0.33 liter bottle)

$2.16 SEK 21.38

$0.53 ₱33.43

307.55%

Local Beer (0.5 liter draught)

$6.85 SEK 67.9

$1.78 ₱112

284.83%

Imported Beer (0.33 liter bottle)

$7.31 SEK 72.5

$2.17 ₱137

236.87%

Milk (1 liter)

$1.69 SEK 16.72

$1.92 ₱121

-11.98%

White Bread (500g)

$2.77 SEK 27.43

$1.36 ₱85.4

103.68%

Rice (white) (1kg)

$3.64 SEK 36.02

$1.01 ₱63.5

260.40%

Eggs

$4.20 SEK 41.61

$2.03 ₱128

106.90%

Local Cheese (1kg)

$11.83 SEK 117

$9.86 ₱621

19.98%

Chicken Fillets (1kg)

$11.64 SEK 115

$4.39 ₱277

165.15%

Beef Round Steak (1kg)

$16.86 SEK 167

$7.60 ₱479

121.84%

Apples (1kg)

$3.10 SEK 30.70

$3.30 ₱208

-6.06%

Banana (1kg)

$2.48 SEK 24.61

$1.39 ₱87.8

78.42%

Oranges (1kg)

$3.01 SEK 29.85

$2.33 ₱147

29.18%

Tomato (1kg)

$4.29 SEK 42.50

$1.50 ₱94.3

186.00%

Potato (1kg)

$1.59 SEK 15.73

$2.36 ₱149

-32.63%

Onion (1kg)

$1.62 SEK 16.01

$1.90 ₱119

-14.74%

Lettuce (1 head)

$2.17 SEK 21.55

$1.19 ₱74.9

82.35%

Water (1.5 liter bottle)

$1.45 SEK 14.36

$0.63 ₱39.71

130.16%

Cigarettes 20 Pack (Marlboro, Camel)

$7.19 SEK 71.2

$3.00 ₱189

139.67%

Wine (Bottle)

$10.12 SEK 100

$6.03 ₱379

67.83%

Local Beer (0.5 liter bottle)

$1.91 SEK 18.97

$1.23 ₱77.7

55.28%

Imported Beer (0.33 liter bottle)

$2.15 SEK 21.27

$1.75 ₱110

22.86%

One-way Ticket (Public Transport)

$3.37 SEK 33.42

$0.25 ₱15.86

1248.00%

Public Transport Monthly Pass (Regular Price)

$77.7 SEK 770

$12.64 ₱796

514.40%

Taxi Start (Normal Tariff)

$5.71 SEK 56.6

$0.77 ₱48.62

641.56%

Taxi (Normal Tariff) (1km)

$1.66 SEK 16.43

$0.23 ₱14.53

621.74%

Taxi 1hour Waiting (Normal Tariff)

$58.1 SEK 576

$4.46 ₱281

1202.47%

Gasoline (1 liter)

$1.72 SEK 17.08

$1.31 ₱82.8

31.30%

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

$32.9K SEK 325.6K

$21.2K ₱1.3M

54.67%

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

$32.4K SEK 321.2K

$19.1K ₱1.2M

69.29%

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

$104 SEK 1,033

$120 ₱7,569

-13.32%

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

$23.72 SEK 235

$14.00 ₱882

69.43%

Internet (50+ Mbps, Unlimited Data)

$38.27 SEK 379

$27.54 ₱1,734

38.96%

Gym Membership (Monthly)

$38.20 SEK 379

$32.33 ₱2,035

18.16%

Tennis Court (1 Hour on Weekend)

$25.53 SEK 253

$6.65 ₱419

283.91%

Cinema Ticket

$15.84 SEK 157

$5.65 ₱356

180.35%

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

$156 SEK 1,551

$275 ₱17.3K

-43.16%

International Primary School, 1 Child (Yearly)

$5,027 SEK 49.8K

$7,918 ₱498.5K

-36.51%

Jeans (Levis 501 Or Similar)

$91.2 SEK 904

$49.33 ₱3,106

84.86%

Summer Dress (H&M, Zara, etc)

$39.17 SEK 388

$25.24 ₱1,589

55.19%

Sport Shoes (Adidas, Nike)

$90.0 SEK 892

$77.0 ₱4,846

16.97%

Men's Leather Business Shoes

$135 SEK 1,341

$57.2 ₱3,601

136.63%

1-bedroom Apartment, City Center (Monthly)

$808 SEK 8,006

$500 ₱31.5K

61.75%

1-bedroom Apartment, Outside City Center (Monthly)

$622 SEK 6,161

$309 ₱19.4K

101.34%

3-bedroom Apartment, City Center (Monthly)

$1,353 SEK 13.4K

$1,078 ₱67.9K

25.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,005 SEK 9,957

$615 ₱38.7K

63.33%

Buy Apartment in City Center (m2)

$3,932 SEK 39.0K

$2,886 ₱181.7K

36.23%

Buy Apartment Outside City Center (m2)

$2,802 SEK 27.8K

$1,917 ₱120.7K

46.21%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.45

7.2

-52.08%

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

Last update for Härnösand: 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

Härnösand

$622 36%

Cebu

$309 33.6% 50.3% $313

Groceries & Markets

Härnösand

$352 20.4%

Cebu

$206 22.4% 41.6% $146

Eating Out

Härnösand

$254 14.7%

Cebu

$88 9.6% 65.2% $166

Monthly Utilities & Internet

Härnösand

$166 9.6%

Cebu

$162 17.6% 2.7% $4.4

Clothing & Footwear

Härnösand

$160 9.3%

Cebu

$94 10.2% 41.3% $66

Getting Around

Härnösand

$105 6.1%

Cebu

$16 1.7% 85.2% $90

Sport & Entertainment

Härnösand

$70 4%

Cebu

$44 4.8% 37.6% $26

Cost Breakdown

A one-bedroom apartment in the center runs $808 in Härnösand and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $75.0 in Härnösand vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $352 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇸🇪 Härnösand

🇵🇭 Cebu

🕒 Local time

23:04 11:04 PM

05:04 5:04 AM

6 h ahead of Härnösand

🌤 Weather

👥 Population

24,689

964,169

💱 Currency

Swedish Krona SEK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 SEK = 10.09 USD

100 SEK = 8.98 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to SEK – Swedish Krona Converter

🇺🇸 United States Dollar ($)

🇸🇪 Swedish Krona (kr)

Swedish Krona exchange rates as of October 18, 2026: 1 USD = 9.91 SEK (1 SEK = 0.101 USD). 1 EUR = 11.14 SEK (100 SEK = 8.98 EUR).

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 SEK in detail →

On the map

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Highest

Between locations

Härnösand Cebu 9,790 km ≈ 13 h nonstop flight

From you

Härnösand
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

Härnösand vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 88% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,594 in Härnösand and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $808 in Härnösand versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,729 per month in Härnösand versus $918 in Cebu – a 88% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 514% less than in Härnösand. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,729 in Härnösand, a $1,500 budget is realistic in Cebu but tight or insufficient in Härnösand. 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 Härnösand, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Härnösand 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 88% less than in Härnösand. Beyond cost, consider language, visa policies, and how big the international community is in each city.