Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,237 in Herceg Novi, rent and utilities included – about $3,600 less a year. Other living expenses account for most of the difference.

61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Herceg Novi

🇲🇪 Montenegro

$1,237

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,237 in Herceg Novi versus $934 in Cebu.

Herceg Novi $1,237
Cebu $934

Estimated couple costs with rent: $1,973 in Herceg Novi versus $1,415 in Cebu.

Herceg Novi $1,973
Cebu $1,415

Monthly costs for a family of three with rent: $2,710 in Herceg Novi versus $1,896 in Cebu.

Herceg Novi $2,710
Cebu $1,896

Living in Herceg Novi is roughly 32% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Herceg Novi 8% lower, Cebu 30% lower.

Meal at Budget Restaurant

$11.23 €10.02

$3.03 ₱190

270.63%

Three-Course Dinner for Two, Mid-Range

$36.34 €32.43

$23.48 ₱1,473

54.77%

Fast Food Meal (McDonalds, etc)

$9.19 €8.20

$4.09 ₱256

124.69%

Cappuccino

$2.59 €2.31

$2.52 ₱158

2.78%

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

$2.47 €2.20

$1.54 ₱96.9

60.39%

Water (0.33 liter bottle)

$1.64 €1.46

$0.49 ₱30.98

234.69%

Local Beer (0.5 liter draught)

$2.82 €2.52

$1.79 ₱112

57.54%

Imported Beer (0.33 liter bottle)

$3.39 €3.02

$2.26 ₱142

50.00%

Milk (1 liter)

$1.16 €1.04

$1.95 ₱122

-40.51%

White Bread (500g)

$1.02 €0.91

$1.43 ₱89.7

-28.67%

Rice (white) (1kg)

$2.82 €2.52

$1.02 ₱63.8

176.47%

Eggs

$3.03 €2.70

$2.06 ₱129

47.09%

Local Cheese (1kg)

$8.94 €7.98

$9.81 ₱615

-8.87%

Chicken Fillets (1kg)

$7.27 €6.48

$4.61 ₱289

57.70%

Beef Round Steak (1kg)

$12.81 €11.43

$7.70 ₱483

66.36%

Apples (1kg)

$1.34 €1.20

$3.31 ₱207

-59.52%

Banana (1kg)

$1.55 €1.38

$1.45 ₱90.9

6.90%

Oranges (1kg)

$1.58 €1.41

$2.36 ₱148

-33.05%

Tomato (1kg)

$3.02 €2.70

$1.54 ₱96.4

96.10%

Potato (1kg)

$0.89 €0.80

$2.36 ₱148

-62.29%

Onion (1kg)

$1.30 €1.16

$1.99 ₱125

-34.67%

Lettuce (1 head)

$1.52 €1.36

$1.15 ₱72.1

32.17%

Water (1.5 liter bottle)

$0.93 €0.83

$0.67 ₱42.15

38.81%

Cigarettes 20 Pack (Marlboro, Camel)

$3.98 €3.55

$3.00 ₱188

32.67%

Wine (Bottle)

$4.43 €3.96

$6.35 ₱398

-30.24%

Local Beer (0.5 liter bottle)

$1.24 €1.11

$1.31 ₱81.9

-5.34%

Imported Beer (0.33 liter bottle)

$1.72 €1.54

$1.73 ₱108

-0.58%

One-way Ticket (Public Transport)

$1.69 €1.51

$0.25 ₱15.78

576.00%

Public Transport Monthly Pass (Regular Price)

$45.08 €40.23

$12.65 ₱793

256.36%

Taxi Start (Normal Tariff)

$2.91 €2.60

$0.74 ₱46.32

293.24%

Taxi (Normal Tariff) (1km)

$1.09 €0.97

$0.21 ₱13.11

419.05%

Taxi 1hour Waiting (Normal Tariff)

$16.59 €14.81

$4.33 ₱271

283.14%

Gasoline (1 liter)

$1.72 €1.53

$1.33 ₱83.5

29.32%

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

$33.0K €29.5K

$21.8K ₱1.4M

51.82%

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

$20.9K €18.7K

$19.4K ₱1.2M

7.90%

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

$131 €117

$121 ₱7,563

9.05%

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

$12.86 €11.48

$14.45 ₱907

-11.00%

Internet (50+ Mbps, Unlimited Data)

$33.38 €29.79

$28.29 ₱1,774

17.99%

Gym Membership (Monthly)

$55.7 €49.71

$32.68 ₱2,050

70.47%

Tennis Court (1 Hour on Weekend)

$11.00 €9.81

$6.39 ₱401

72.14%

Cinema Ticket

$8.00 €7.14

$5.46 ₱342

46.52%

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

$443 €395

$273 ₱17.1K

62.06%

International Primary School, 1 Child (Yearly)

$7,028 €6,272

$8,156 ₱511.5K

-13.83%

Jeans (Levis 501 Or Similar)

$82.5 €73.7

$49.57 ₱3,109

66.51%

Summer Dress (H&M, Zara, etc)

$33.95 €30.30

$24.87 ₱1,560

36.51%

Sport Shoes (Adidas, Nike)

$73.9 €65.9

$76.6 ₱4,804

-3.53%

Men's Leather Business Shoes

$94.6 €84.4

$59.3 ₱3,717

59.55%

1-bedroom Apartment, City Center (Monthly)

$657 €587

$506 ₱31.7K

29.98%

1-bedroom Apartment, Outside City Center (Monthly)

$395 €353

$309 ₱19.4K

27.68%

3-bedroom Apartment, City Center (Monthly)

$1,232 €1,100

$1,052 ₱66.0K

17.15%

3-bedroom Apartment, Outside City Center (Monthly)

$886 €791

$619 ₱38.8K

43.16%

Buy Apartment in City Center (m2)

$3,642 €3,250

$2,915 ₱182.9K

24.90%

Buy Apartment Outside City Center (m2)

$2,415 €2,155

$1,867 ₱117.1K

29.36%

Average Monthly Net Salary (After Tax)

$1,037 €926

$341 ₱21.4K

204.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-30.56%

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

Last update for Herceg Novi: October 6, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$395 31.8%

Cebu

$309 33.5% 21.7% $86

Groceries & Markets

Herceg Novi

$225 18.1%

Cebu

$210 22.7% 6.6% $15

Eating Out

Herceg Novi

$186 14.9%

Cebu

$88 9.6% 52.4% $97

Monthly Utilities & Internet

Herceg Novi

$178 14.3%

Cebu

$163 17.7% 8.1% $14

Clothing & Footwear

Herceg Novi

$128 10.3%

Cebu

$95 10.2% 26.2% $34

Sport & Entertainment

Herceg Novi

$72 5.8%

Cebu

$44 4.7% 39.2% $28

Getting Around

Herceg Novi

$60 4.8%

Cebu

$15 1.7% 74.4% $45

Cost Breakdown

A one-bedroom apartment in the center runs $657 in Herceg Novi and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 204% 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: $36.00 in Herceg Novi vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $225 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇲🇪 Herceg Novi

🇵🇭 Cebu

🕒 Local time

12:28 12:28 PM

18:28 6:28 PM

6 h ahead of Herceg Novi

🌤 Weather

👥 Population

11,059

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Herceg Novi Cebu 10,470 km ≈ 14 h nonstop flight

From you

Herceg Novi
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

Herceg Novi vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 32% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 204% higher in Herceg Novi, 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: $657 in Herceg Novi versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,237 per month in Herceg Novi versus $934 in Cebu – a 32% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 256% less than in Herceg Novi. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,237 in Herceg Novi, a $1,500 budget is realistic in Cebu but tight or insufficient in Herceg Novi. 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 Herceg Novi, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Herceg Novi 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 32% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.