Last update: Oct 2026

Cost of Living Comparison Between Hertfordshire and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,541 in Hertfordshire, rent and utilities included – about $19,300 less a year. Rent and utilities account for most of the difference.

122

Cost of Living Index in Hertfordshire
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Hertfordshire Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Hertfordshire

🇬🇧 United Kingdom

$2,541

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,541 in Hertfordshire versus $934 in Cebu.

Hertfordshire $2,541
Cebu $934

Estimated couple costs with rent: $3,780 in Hertfordshire versus $1,415 in Cebu.

Hertfordshire $3,780
Cebu $1,415

Monthly costs for a family of three with rent: $5,020 in Hertfordshire versus $1,896 in Cebu.

Hertfordshire $5,020
Cebu $1,896

Living in Hertfordshire is roughly 172% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Hertfordshire is 90% above, Cebu is 30% below.

Meal at Budget Restaurant

$26.32 £19.88

$3.03 ₱190

768.65%

Three-Course Dinner for Two, Mid-Range

$79.8 £60.2

$23.48 ₱1,474

239.65%

Fast Food Meal (McDonalds, etc)

$10.61 £8.01

$4.09 ₱257

159.41%

Cappuccino

$4.94 £3.73

$2.52 ₱158

96.03%

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

$2.37 £1.79

$1.54 ₱97.0

53.90%

Water (0.33 liter bottle)

$2.00 £1.51

$0.49 ₱31.01

308.16%

Local Beer (0.5 liter draught)

$5.56 £4.20

$1.79 ₱112

210.61%

Imported Beer (0.33 liter bottle)

$5.38 £4.06

$2.26 ₱142

138.05%

Milk (1 liter)

$1.52 £1.15

$1.95 ₱122

-22.05%

White Bread (500g)

$1.83 £1.39

$1.43 ₱89.8

27.97%

Rice (white) (1kg)

$2.66 £2.01

$1.02 ₱63.9

160.78%

Eggs

$3.59 £2.71

$2.06 ₱129

74.27%

Local Cheese (1kg)

$7.96 £6.01

$9.81 ₱616

-18.86%

Chicken Fillets (1kg)

$7.27 £5.49

$4.61 ₱290

57.70%

Beef Round Steak (1kg)

$16.30 £12.31

$7.70 ₱484

111.69%

Apples (1kg)

$3.32 £2.50

$3.31 ₱208

0.30%

Banana (1kg)

$1.54 £1.16

$1.45 ₱91.0

6.21%

Oranges (1kg)

$3.02 £2.28

$2.36 ₱148

27.97%

Tomato (1kg)

$3.49 £2.63

$1.54 ₱96.5

126.62%

Potato (1kg)

$1.16 £0.88

$2.36 ₱148

-50.85%

Onion (1kg)

$1.74 £1.32

$1.99 ₱125

-12.56%

Lettuce (1 head)

$1.24 £0.93

$1.15 ₱72.2

7.83%

Water (1.5 liter bottle)

$1.58 £1.19

$0.67 ₱42.20

135.82%

Cigarettes 20 Pack (Marlboro, Camel)

$21.24 £16.05

$3.00 ₱189

608.00%

Wine (Bottle)

$9.89 £7.47

$6.35 ₱399

55.75%

Local Beer (0.5 liter bottle)

$2.00 £1.51

$1.31 ₱82.0

52.67%

Imported Beer (0.33 liter bottle)

$2.04 £1.54

$1.73 ₱109

17.92%

One-way Ticket (Public Transport)

$3.53 £2.67

$0.25 ₱15.80

1312.00%

Public Transport Monthly Pass (Regular Price)

$87.2 £65.8

$12.65 ₱794

588.93%

Taxi Start (Normal Tariff)

$4.07 £3.07

$0.74 ₱46.37

450.00%

Taxi (Normal Tariff) (1km)

$3.90 £2.95

$0.21 ₱13.13

1757.14%

Taxi 1hour Waiting (Normal Tariff)

$31.65 £23.90

$4.33 ₱272

630.95%

Gasoline (1 liter)

$1.98 £1.50

$1.33 ₱83.6

48.87%

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

$37.8K £28.5K

$21.8K ₱1.4M

73.66%

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

$40.6K £30.7K

$19.4K ₱1.2M

109.21%

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

$161 £121

$121 ₱7,572

33.35%

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

$17.68 £13.35

$14.45 ₱908

22.35%

Internet (50+ Mbps, Unlimited Data)

$44.41 £33.54

$28.29 ₱1,776

56.98%

Gym Membership (Monthly)

$46.26 £34.95

$32.68 ₱2,052

41.55%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$13.32 £10.06

$5.46 ₱343

143.96%

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

$1,565 £1,182

$273 ₱17.2K

472.51%

International Primary School, 1 Child (Yearly)

$20.2K £15.3K

$8,156 ₱512.2K

147.82%

Jeans (Levis 501 Or Similar)

$46.38 £35.03

$49.57 ₱3,113

-6.44%

Summer Dress (H&M, Zara, etc)

$39.51 £29.84

$24.87 ₱1,562

58.87%

Sport Shoes (Adidas, Nike)

$73.3 £55.4

$76.6 ₱4,810

-4.24%

Men's Leather Business Shoes

$110 £82.9

$59.3 ₱3,721

85.13%

1-bedroom Apartment, City Center (Monthly)

$1,752 £1,323

$506 ₱31.8K

246.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,334 £1,008

$309 ₱19.4K

331.20%

3-bedroom Apartment, City Center (Monthly)

$2,862 £2,162

$1,052 ₱66.0K

172.16%

3-bedroom Apartment, Outside City Center (Monthly)

$2,352 £1,776

$619 ₱38.9K

279.91%

Buy Apartment in City Center (m2)

$4,907 £3,706

$2,915 ₱183.1K

68.31%

Buy Apartment Outside City Center (m2)

$3,922 £2,963

$1,867 ₱117.3K

110.07%

Average Monthly Net Salary (After Tax)

$3,204 £2,420

$341 ₱21.4K

839.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.21

7.2

-27.64%

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

Last update for Hertfordshire: October 4, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Hertfordshire

$1.3K 52.9%

Cebu

$309 33.5% 76.8% $1K

Eating Out

Hertfordshire

$358 14.2%

Cebu

$88 9.6% 75.3% $269

Groceries & Markets

Hertfordshire

$288 11.4%

Cebu

$210 22.7% 26.9% $77

Monthly Utilities & Internet

Hertfordshire

$223 8.8%

Cebu

$163 17.7% 26.7% $60

Getting Around

Hertfordshire

$125 5%

Cebu

$15 1.7% 87.6% $109

Clothing & Footwear

Hertfordshire

$121 4.8%

Cebu

$95 10.2% 21.8% $26

Sport & Entertainment

Hertfordshire

$73 2.9%

Cebu

$44 4.7% 40.2% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,752 in Hertfordshire and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Hertfordshire pays 839% 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: $80.0 in Hertfordshire vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $288 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Hertfordshire

🇵🇭 Cebu

🕒 Local time

19:12 7:12 PM

02:12 2:12 AM

7 h ahead of Hertfordshire

🌤 Weather

👥 Population

33,990

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 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 12, 2026: 1 USD = 0.755 GBP (1 GBP = 1.32 USD). 1 EUR = 0.846 GBP (1 GBP = 1.18 EUR).

Philippine Peso exchange rates as of October 12, 2026: 1 USD = 62.8 PHP (100 PHP = 1.59 USD). 1 EUR = 70.38 PHP (100 PHP = 1.42 EUR).

USD to GBP in detail →

On the map

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Hertfordshire Cebu 11,290 km ≈ 15 h nonstop flight

From you

Hertfordshire
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

Hertfordshire vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and transport. The 172% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 839% higher in Hertfordshire, 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: $1,752 in Hertfordshire versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,541 per month in Hertfordshire versus $934 in Cebu – a 172% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 589% less than in Hertfordshire. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,541 in Hertfordshire, a $1,500 budget is realistic in Cebu but tight or insufficient in Hertfordshire. 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 Hertfordshire, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hertfordshire 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 172% less than in Hertfordshire. Beyond cost, consider language, visa policies, and how big the international community is in each city.