Last update: Oct 2026

Cost of Living Comparison Between Haverhill and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,220 in Haverhill, rent and utilities included – about $15,600 less a year. Rent and utilities account for most of the difference.

108

Cost of Living Index in Haverhill
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Haverhill Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Haverhill

🇬🇧 United Kingdom

$2,220

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,220 in Haverhill versus $918 in Cebu.

Haverhill $2,220
Cebu $918

Estimated couple costs with rent: $3,383 in Haverhill versus $1,409 in Cebu.

Haverhill $3,383
Cebu $1,409

Monthly costs for a family of three with rent: $4,545 in Haverhill versus $1,900 in Cebu.

Haverhill $4,545
Cebu $1,900

Living in Haverhill is roughly 142% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Haverhill is 64% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.48 £14.62

$3.09 ₱194

530.42%

Three-Course Dinner for Two, Mid-Range

$114 £85.4

$24.22 ₱1,525

369.82%

Fast Food Meal (McDonalds, etc)

$10.75 £8.07

$3.92 ₱247

174.23%

Cappuccino

$4.77 £3.58

$2.51 ₱158

90.04%

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

$1.70 £1.28

$1.59 ₱100

6.92%

Water (0.33 liter bottle)

$1.71 £1.28

$0.53 ₱33.43

222.64%

Local Beer (0.5 liter draught)

$7.47 £5.61

$1.78 ₱112

319.66%

Imported Beer (0.33 liter bottle)

$6.49 £4.87

$2.17 ₱137

199.08%

Milk (1 liter)

$1.63 £1.22

$1.92 ₱121

-15.10%

White Bread (500g)

$1.56 £1.17

$1.36 ₱85.4

14.71%

Rice (white) (1kg)

$1.62 £1.22

$1.01 ₱63.5

60.40%

Eggs

$2.09 £1.57

$2.03 ₱128

2.96%

Local Cheese (1kg)

$11.16 £8.37

$9.86 ₱621

13.18%

Chicken Fillets (1kg)

$10.02 £7.52

$4.39 ₱277

128.25%

Beef Round Steak (1kg)

$12.75 £9.56

$7.60 ₱479

67.76%

Apples (1kg)

$2.09 £1.57

$3.30 ₱208

-36.67%

Banana (1kg)

$1.20 £0.90

$1.39 ₱87.8

-13.67%

Oranges (1kg)

$1.82 £1.36

$2.33 ₱147

-21.89%

Tomato (1kg)

$1.69 £1.27

$1.50 ₱94.3

12.67%

Potato (1kg)

$1.49 £1.12

$2.36 ₱149

-36.86%

Onion (1kg)

$1.54 £1.16

$1.90 ₱119

-18.95%

Lettuce (1 head)

$0.38 £0.29

$1.19 ₱74.9

-68.07%

Water (1.5 liter bottle)

$1.96 £1.47

$0.63 ₱39.71

211.11%

Cigarettes 20 Pack (Marlboro, Camel)

$23.60 £17.71

$3.00 ₱189

686.67%

Wine (Bottle)

$8.04 £6.03

$6.03 ₱379

33.33%

Local Beer (0.5 liter bottle)

$1.71 £1.28

$1.23 ₱77.7

39.02%

Imported Beer (0.33 liter bottle)

$2.00 £1.50

$1.75 ₱110

14.29%

One-way Ticket (Public Transport)

$3.52 £2.64

$0.25 ₱15.86

1308.00%

Public Transport Monthly Pass (Regular Price)

$97.8 £73.4

$12.64 ₱796

673.81%

Taxi Start (Normal Tariff)

$4.76 £3.57

$0.77 ₱48.62

518.18%

Taxi (Normal Tariff) (1km)

$3.99 £2.99

$0.23 ₱14.53

1634.78%

Taxi 1hour Waiting (Normal Tariff)

$25.99 £19.50

$4.46 ₱281

482.74%

Gasoline (1 liter)

$2.12 £1.59

$1.31 ₱82.8

61.83%

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

$39.6K £29.7K

$21.2K ₱1.3M

86.56%

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

$43.9K £32.9K

$19.1K ₱1.2M

129.33%

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

$201 £151

$120 ₱7,569

67.47%

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

$12.98 £9.74

$14.00 ₱882

-7.29%

Internet (50+ Mbps, Unlimited Data)

$38.92 £29.20

$27.54 ₱1,734

41.32%

Gym Membership (Monthly)

$45.94 £34.47

$32.33 ₱2,035

42.10%

Tennis Court (1 Hour on Weekend)

$11.72 £8.79

$6.65 ₱419

76.24%

Cinema Ticket

$11.44 £8.58

$5.65 ₱356

102.48%

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

$1,882 £1,412

$275 ₱17.3K

583.56%

International Primary School, 1 Child (Yearly)

$24.2K £18.2K

$7,918 ₱498.5K

205.73%

Jeans (Levis 501 Or Similar)

$84.9 £63.7

$49.33 ₱3,106

72.03%

Summer Dress (H&M, Zara, etc)

$59.1 £44.31

$25.24 ₱1,589

134.03%

Sport Shoes (Adidas, Nike)

$109 £81.7

$77.0 ₱4,846

41.46%

Men's Leather Business Shoes

$160 £120

$57.2 ₱3,601

180.19%

1-bedroom Apartment, City Center (Monthly)

$1,215 £912

$500 ₱31.5K

143.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,003 £753

$309 ₱19.4K

224.87%

3-bedroom Apartment, City Center (Monthly)

$2,103 £1,578

$1,078 ₱67.9K

95.12%

3-bedroom Apartment, Outside City Center (Monthly)

$1,636 £1,227

$615 ₱38.7K

165.89%

Buy Apartment in City Center (m2)

$5,026 £3,771

$2,886 ₱181.7K

74.15%

Buy Apartment Outside City Center (m2)

$3,784 £2,839

$1,917 ₱120.7K

97.45%

Average Monthly Net Salary (After Tax)

$2,102 £1,577

$346 ₱21.8K

507.67%

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 Haverhill: 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

Haverhill

$1K 45.2%

Cebu

$309 33.6% 69.2% $694

Eating Out

Haverhill

$309 13.9%

Cebu

$88 9.6% 71.5% $221

Groceries & Markets

Haverhill

$263 11.9%

Cebu

$206 22.4% 21.8% $57

Monthly Utilities & Internet

Haverhill

$253 11.4%

Cebu

$162 17.6% 36.1% $91

Clothing & Footwear

Haverhill

$186 8.4%

Cebu

$94 10.2% 49.5% $92

Getting Around

Haverhill

$137 6.2%

Cebu

$16 1.7% 88.6% $121

Sport & Entertainment

Haverhill

$69 3.1%

Cebu

$44 4.8% 36.6% $25

Cost Breakdown

A one-bedroom apartment in the center runs $1,215 in Haverhill and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Haverhill pays 508% 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: $114 in Haverhill vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $263 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Haverhill

🇵🇭 Cebu

🕒 Local time

01:08 1:08 AM

08:08 8:08 AM

7 h ahead of Haverhill

🌤 Weather

👥 Population

27,041

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 20, 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 20, 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

Haverhill Cebu 11,240 km ≈ 15 h nonstop flight

From you

Haverhill
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

Haverhill vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 142% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 508% higher in Haverhill, 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: $1,215 in Haverhill versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,220 per month in Haverhill versus $918 in Cebu – a 142% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 674% less than in Haverhill. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,220 in Haverhill, a $1,500 budget is realistic in Cebu but tight or insufficient in Haverhill. 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 Haverhill, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Haverhill 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 142% less than in Haverhill. Beyond cost, consider language, visa policies, and how big the international community is in each city.