Last update: Oct 2026

Cost of Living Comparison Between Ho and Cebu

For one person, living is cheaper in Ho: $670 a month against $918 in Cebu, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

33

Cost of Living Index in Ho
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Ho Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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🇬🇭 Ghana

$670

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $670 in Ho versus $918 in Cebu.

Ho $670
Cebu $918

Estimated couple costs with rent: $1,129 in Ho versus $1,409 in Cebu.

Ho $1,129
Cebu $1,409

Monthly costs for a family of three with rent: $1,587 in Ho versus $1,900 in Cebu.

Ho $1,587
Cebu $1,900

Living in Ho costs roughly 27% less than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Ho 50% lower, Cebu 32% lower.

Meal at Budget Restaurant

$8.24 GHS 95.6

$3.09 ₱195

166.67%

Three-Course Dinner for Two, Mid-Range

$50.8 GHS 589

$24.22 ₱1,526

109.58%

Fast Food Meal (McDonalds, etc)

$10.32 GHS 120

$3.92 ₱247

163.27%

Cappuccino

$4.31 GHS 50.0

$2.51 ₱158

71.71%

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

$1.59 GHS 18.47

$1.59 ₱100

Water (0.33 liter bottle)

$0.48 GHS 5.59

$0.53 ₱33.47

-9.43%

Local Beer (0.5 liter draught)

$1.84 GHS 21.32

$1.78 ₱112

3.37%

Imported Beer (0.33 liter bottle)

$2.19 GHS 25.45

$2.17 ₱137

0.92%

Milk (1 liter)

$3.66 GHS 42.45

$1.92 ₱121

90.63%

White Bread (500g)

$1.67 GHS 19.42

$1.36 ₱85.5

22.79%

Rice (white) (1kg)

$3.06 GHS 35.53

$1.01 ₱63.6

202.97%

Eggs

$2.61 GHS 30.24

$2.03 ₱128

28.57%

Local Cheese (1kg)

$11.79 GHS 137

$9.86 ₱622

19.57%

Chicken Fillets (1kg)

$7.18 GHS 83.3

$4.39 ₱277

63.55%

Beef Round Steak (1kg)

$9.75 GHS 113

$7.60 ₱479

28.29%

Apples (1kg)

$3.59 GHS 41.59

$3.30 ₱208

8.79%

Banana (1kg)

$1.45 GHS 16.81

$1.39 ₱87.9

4.32%

Oranges (1kg)

$1.75 GHS 20.34

$2.33 ₱147

-24.89%

Tomato (1kg)

$3.54 GHS 41.07

$1.50 ₱94.4

136.00%

Potato (1kg)

$2.76 GHS 31.97

$2.36 ₱149

16.95%

Onion (1kg)

$2.65 GHS 30.69

$1.90 ₱119

39.47%

Lettuce (1 head)

$0.70 GHS 8.06

$1.19 ₱75.0

-41.18%

Water (1.5 liter bottle)

$0.61 GHS 7.03

$0.63 ₱39.75

-3.17%

Cigarettes 20 Pack (Marlboro, Camel)

$2.61 GHS 30.22

$3.00 ₱189

-13.00%

Wine (Bottle)

$7.19 GHS 83.4

$6.03 ₱380

19.24%

Local Beer (0.5 liter bottle)

$1.28 GHS 14.88

$1.23 ₱77.7

4.07%

Imported Beer (0.33 liter bottle)

$2.40 GHS 27.84

$1.75 ₱110

37.14%

One-way Ticket (Public Transport)

$0.25 ₱15.87

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$1.68 GHS 19.46

$0.77 ₱48.66

118.18%

Taxi (Normal Tariff) (1km)

$1.24 GHS 14.34

$0.23 ₱14.54

439.13%

Taxi 1hour Waiting (Normal Tariff)

$4.13 GHS 47.85

$4.46 ₱281

-7.40%

Gasoline (1 liter)

$1.33 GHS 15.47

$1.31 ₱82.9

1.53%

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

$8,092 GHS 93.9K

$21.2K ₱1.3M

-61.91%

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

$9,939 GHS 115.3K

$19.1K ₱1.2M

-48.09%

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

$73.8 GHS 856

$120 ₱7,577

-38.64%

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

$19.36 GHS 225

$14.00 ₱883

38.29%

Internet (50+ Mbps, Unlimited Data)

$41.97 GHS 487

$27.54 ₱1,736

52.40%

Gym Membership (Monthly)

$32.33 ₱2,037

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$12.68 GHS 147

$5.65 ₱356

124.42%

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

$454 GHS 5,265

$275 ₱17.3K

64.85%

International Primary School, 1 Child (Yearly)

$18.6K GHS 215.9K

$7,918 ₱499.0K

135.10%

Jeans (Levis 501 Or Similar)

$14.36 GHS 167

$49.33 ₱3,109

-70.89%

Summer Dress (H&M, Zara, etc)

$18.72 GHS 217

$25.24 ₱1,591

-25.83%

Sport Shoes (Adidas, Nike)

$35.80 GHS 415

$77.0 ₱4,850

-53.48%

Men's Leather Business Shoes

$52.0 GHS 604

$57.2 ₱3,605

-9.02%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.8K

Buy Apartment in City Center (m2)

$2,886 ₱181.9K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.8K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

7.2

271.53%

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

Last update for Ho: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

$277 41.3%

Cebu

$206 22.4% 25.7% $71

Eating Out

$171 25.4%

Cebu

$88 9.6% 48.2% $82

Monthly Utilities & Internet

$135 20.2%

Cebu

$162 17.6% 19.7% $27

Clothing & Footwear

$54 8.1%

Cebu

$94 10.2% 72.6% $40

Sport & Entertainment

$25 * 3.8%

Cebu

$44 4.8% 72% $18

Getting Around

$7.9 * 1.2%

Cebu

$16 1.7% 98.1% $7.7

Accommodation & Living

- * 0%

Cebu

$309 33.6%

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

Cost Breakdown

Dining out: $51.0 in Ho vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $277 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇭 Ho

🇵🇭 Cebu

🕒 Local time

12:13 12:13 PM

20:13 8:13 PM

8 h ahead of Ho

🌤 Weather

👥 Population

83,715

964,169

💱 Currency

Ghanaian Cedi GHS ₵

Philippine Peso PHP ₱

📈 Exchange rate

100 GHS = 8.62 USD

100 GHS = 7.69 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 16, 2026: 1 USD = 11.6 GHS (100 GHS = 8.62 USD). 1 EUR = 13.01 GHS (100 GHS = 7.69 EUR).

Philippine Peso exchange rates as of October 16, 2026: 1 USD = 63.02 PHP (100 PHP = 1.59 USD). 1 EUR = 70.68 PHP (100 PHP = 1.41 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Ho Cebu 13,480 km ≈ 17 h nonstop flight

From you

Ho
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

Ho vs Cebu: Cost of Living - Frequently Asked Questions

Ho is cheaper overall, especially in clothing, leisure, and transport. The 37% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,005 in Ho 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.

Shoppers in Cebu pay roughly 35% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $670 per month in Ho versus $918 in Cebu – a 37% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Ho gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Ho is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ho 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 Ho gentler on the wallet – expenses run 37% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.