Last update: Oct 2026

Cost of Living Comparison Between Harrow and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,990 in Harrow, rent and utilities included – about $24,900 less a year. Rent and utilities account for most of the difference.

146

Cost of Living Index in Harrow
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Harrow Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Harrow

🇬🇧 United Kingdom

$2,990

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,990 in Harrow versus $918 in Cebu.

Harrow $2,990
Cebu $918

Estimated couple costs with rent: $4,436 in Harrow versus $1,409 in Cebu.

Harrow $4,436
Cebu $1,409

Monthly costs for a family of three with rent: $5,883 in Harrow versus $1,900 in Cebu.

Harrow $5,883
Cebu $1,900

Living in Harrow is roughly 226% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Harrow is 121% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.97 £14.99

$3.09 ₱194

546.28%

Three-Course Dinner for Two, Mid-Range

$93.1 £69.8

$24.22 ₱1,525

284.31%

Fast Food Meal (McDonalds, etc)

$9.39 £7.04

$3.92 ₱247

139.54%

Cappuccino

$4.54 £3.40

$2.51 ₱158

80.88%

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

$2.88 £2.16

$1.59 ₱100

81.13%

Water (0.33 liter bottle)

$1.95 £1.46

$0.53 ₱33.43

267.92%

Local Beer (0.5 liter draught)

$7.48 £5.61

$1.78 ₱112

320.22%

Imported Beer (0.33 liter bottle)

$7.04 £5.28

$2.17 ₱137

224.42%

Milk (1 liter)

$1.62 £1.21

$1.92 ₱121

-15.62%

White Bread (500g)

$1.86 £1.40

$1.36 ₱85.4

36.76%

Rice (white) (1kg)

$1.70 £1.27

$1.01 ₱63.5

68.32%

Eggs

$6.11 £4.58

$2.03 ₱128

200.99%

Local Cheese (1kg)

$11.15 £8.37

$9.86 ₱621

13.08%

Chicken Fillets (1kg)

$8.28 £6.21

$4.39 ₱277

88.61%

Beef Round Steak (1kg)

$12.32 £9.25

$7.60 ₱479

62.11%

Apples (1kg)

$2.06 £1.55

$3.30 ₱208

-37.58%

Banana (1kg)

$1.30 £0.98

$1.39 ₱87.8

-6.47%

Oranges (1kg)

$1.74 £1.30

$2.33 ₱147

-25.32%

Tomato (1kg)

$5.19 £3.90

$1.50 ₱94.3

246.00%

Potato (1kg)

$1.30 £0.98

$2.36 ₱149

-44.92%

Onion (1kg)

$1.58 £1.19

$1.90 ₱119

-16.84%

Lettuce (1 head)

$1.28 £0.96

$1.19 ₱74.9

7.56%

Water (1.5 liter bottle)

$1.30 £0.97

$0.63 ₱39.71

106.35%

Cigarettes 20 Pack (Marlboro, Camel)

$22.63 £16.98

$3.00 ₱189

654.33%

Wine (Bottle)

$9.46 £7.10

$6.03 ₱379

56.88%

Local Beer (0.5 liter bottle)

$2.03 £1.52

$1.23 ₱77.7

65.04%

Imported Beer (0.33 liter bottle)

$1.30 £0.98

$1.75 ₱110

-25.71%

One-way Ticket (Public Transport)

$4.77 £3.58

$0.25 ₱15.86

1808.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$13.04 £9.78

$0.77 ₱48.62

1593.51%

Taxi (Normal Tariff) (1km)

$3.93 £2.95

$0.23 ₱14.53

1608.70%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.89 £1.42

$1.31 ₱82.8

44.27%

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

$39.6K £29.7K

$21.2K ₱1.3M

86.61%

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

$43.6K £32.7K

$19.1K ₱1.2M

127.66%

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

$202 £151

$120 ₱7,569

67.90%

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

$15.13 £11.35

$14.00 ₱882

8.07%

Internet (50+ Mbps, Unlimited Data)

$39.77 £29.84

$27.54 ₱1,734

44.41%

Gym Membership (Monthly)

$78.0 £58.5

$32.33 ₱2,035

141.29%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$13.97 £10.48

$5.65 ₱356

147.26%

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

$1,909 £1,432

$275 ₱17.3K

593.32%

International Primary School, 1 Child (Yearly)

$23.8K £17.9K

$7,918 ₱498.5K

201.09%

Jeans (Levis 501 Or Similar)

$77.8 £58.4

$49.33 ₱3,106

57.67%

Summer Dress (H&M, Zara, etc)

$58.6 £43.93

$25.24 ₱1,589

132.01%

Sport Shoes (Adidas, Nike)

$104 £78.3

$77.0 ₱4,846

35.60%

Men's Leather Business Shoes

$159 £119

$57.2 ₱3,601

177.43%

1-bedroom Apartment, City Center (Monthly)

$2,258 £1,694

$500 ₱31.5K

352.06%

1-bedroom Apartment, Outside City Center (Monthly)

$1,794 £1,346

$309 ₱19.4K

480.96%

3-bedroom Apartment, City Center (Monthly)

$4,113 £3,086

$1,078 ₱67.9K

281.62%

3-bedroom Apartment, Outside City Center (Monthly)

$3,116 £2,338

$615 ₱38.7K

406.45%

Buy Apartment in City Center (m2)

$7,410 £5,559

$2,886 ₱181.7K

156.75%

Buy Apartment Outside City Center (m2)

$7,360 £5,522

$1,917 ₱120.7K

284.02%

Average Monthly Net Salary (After Tax)

$5,100 £3,826

$346 ₱21.8K

1374.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.3

7.2

-26.39%

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

Last update for Harrow: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Harrow

$1.8K 60%

Cebu

$309 33.6% 82.8% $1.5K

Eating Out

Harrow

$313 10.5%

Cebu

$88 9.6% 71.8% $225

Groceries & Markets

Harrow

$288 9.6%

Cebu

$206 22.4% 28.6% $82

Monthly Utilities & Internet

Harrow

$257 8.6%

Cebu

$162 17.6% 37% $95

Clothing & Footwear

Harrow

$180 6%

Cebu

$94 10.2% 47.7% $86

Sport & Entertainment

Harrow

$106 3.5%

Cebu

$44 4.8% 58.8% $62

Getting Around

Harrow

$52 * 1.7%

Cebu

$16 1.7% 69.9% $36

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

Cost Breakdown

A one-bedroom apartment in the center runs $2,258 in Harrow and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Harrow pays 1374% 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: $93.0 in Harrow vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $288 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Harrow

🇵🇭 Cebu

🕒 Local time

16:30 4:30 PM

23:30 11:30 PM

7 h ahead of Harrow

🌤 Weather

👥 Population

149,246

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 19, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 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 GBP in detail →

On the map

Lowest

Highest

Between locations

Harrow Cebu 11,320 km ≈ 15 h nonstop flight

From you

Harrow
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

Harrow vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 226% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1374% higher in Harrow, 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: $2,258 in Harrow versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 40% higher in Harrow. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,990 per month in Harrow versus $918 in Cebu – a 226% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,990 in Harrow, a $1,500 budget is realistic in Cebu but tight or insufficient in Harrow. 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 Harrow, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Harrow 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 226% less than in Harrow. Beyond cost, consider language, visa policies, and how big the international community is in each city.