Last update: Oct 2026

Cost of Living Comparison Between Holmestrand and Cebu

For one person, living is cheaper in Cebu: $915 a month against $2,828 in Holmestrand, rent and utilities included – about $23,000 less a year. Rent and utilities account for about half of the difference.

137

Cost of Living Index in Holmestrand
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Holmestrand Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Holmestrand

🇳🇴 Norway

$2,828

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,828 in Holmestrand versus $915 in Cebu.

Holmestrand $2,828
Cebu $915

Estimated couple costs with rent: $4,256 in Holmestrand versus $1,418 in Cebu.

Holmestrand $4,256
Cebu $1,418

Monthly costs for a family of three with rent: $5,684 in Holmestrand versus $1,921 in Cebu.

Holmestrand $5,684
Cebu $1,921

Living in Holmestrand is roughly 209% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Holmestrand is 109% above, Cebu is 33% below.

Meal at Budget Restaurant

$20.61 NOK 194

$3.05 ₱192

575.74%

Three-Course Dinner for Two, Mid-Range

$126 NOK 1,184

$24.00 ₱1,511

424.25%

Fast Food Meal (McDonalds, etc)

$15.35 NOK 144

$3.99 ₱251

284.71%

Cappuccino

$5.87 NOK 55.3

$2.50 ₱157

134.80%

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

$4.37 NOK 41.13

$1.54 ₱97.1

183.77%

Water (0.33 liter bottle)

$3.33 NOK 31.33

$0.50 ₱31.37

566.00%

Local Beer (0.5 liter draught)

$11.80 NOK 111

$1.78 ₱112

562.92%

Imported Beer (0.33 liter bottle)

$12.44 NOK 117

$2.17 ₱136

473.27%

Milk (1 liter)

$2.54 NOK 23.89

$2.00 ₱126

27.00%

White Bread (500g)

$4.19 NOK 39.45

$1.37 ₱86.2

205.84%

Rice (white) (1kg)

$4.56 NOK 42.95

$1.03 ₱64.9

342.72%

Eggs

$5.94 NOK 55.9

$2.03 ₱128

192.61%

Local Cheese (1kg)

$15.04 NOK 142

$10.20 ₱642

47.45%

Chicken Fillets (1kg)

$15.40 NOK 145

$4.45 ₱280

246.07%

Beef Round Steak (1kg)

$31.11 NOK 293

$7.67 ₱483

305.61%

Apples (1kg)

$3.25 NOK 30.58

$3.31 ₱208

-1.81%

Banana (1kg)

$2.67 NOK 25.10

$1.46 ₱91.8

82.88%

Oranges (1kg)

$3.42 NOK 32.16

$2.32 ₱146

47.41%

Tomato (1kg)

$5.90 NOK 55.5

$1.49 ₱94.0

295.97%

Potato (1kg)

$2.62 NOK 24.63

$2.34 ₱147

11.97%

Onion (1kg)

$2.82 NOK 26.51

$1.94 ₱122

45.36%

Lettuce (1 head)

$3.12 NOK 29.38

$1.16 ₱73.0

168.97%

Water (1.5 liter bottle)

$2.35 NOK 22.14

$0.68 ₱42.89

245.59%

Cigarettes 20 Pack (Marlboro, Camel)

$18.45 NOK 174

$2.99 ₱188

517.06%

Wine (Bottle)

$16.53 NOK 156

$6.24 ₱393

164.90%

Local Beer (0.5 liter bottle)

$3.50 NOK 32.91

$1.23 ₱77.3

184.55%

Imported Beer (0.33 liter bottle)

$4.33 NOK 40.74

$1.73 ₱109

150.29%

One-way Ticket (Public Transport)

$4.55 NOK 42.86

$0.23 ₱14.36

1878.26%

Public Transport Monthly Pass (Regular Price)

$83.9 NOK 790

$12.34 ₱777

579.74%

Taxi Start (Normal Tariff)

$12.00 NOK 113

$0.79 ₱49.96

1418.99%

Taxi (Normal Tariff) (1km)

$1.78 NOK 16.76

$0.22 ₱13.86

709.09%

Taxi 1hour Waiting (Normal Tariff)

$68.5 NOK 645

$4.54 ₱286

1408.59%

Gasoline (1 liter)

$2.43 NOK 22.91

$1.32 ₱82.9

84.09%

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

$48.5K NOK 456.9K

$21.0K ₱1.3M

131.07%

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

$44.2K NOK 416.5K

$19.4K ₱1.2M

128.03%

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

$413 NOK 3,886

$119 ₱7,464

248.23%

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

$32.94 NOK 310

$14.22 ₱896

131.65%

Internet (50+ Mbps, Unlimited Data)

$53.1 NOK 499

$27.47 ₱1,730

93.16%

Gym Membership (Monthly)

$49.69 NOK 468

$32.31 ₱2,034

53.79%

Tennis Court (1 Hour on Weekend)

$35.97 NOK 339

$6.50 ₱409

453.38%

Cinema Ticket

$19.50 NOK 184

$5.40 ₱340

261.11%

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

$231 NOK 2,177

$276 ₱17.4K

-16.19%

International Primary School, 1 Child (Yearly)

$15.3K NOK 144.1K

$7,866 ₱495.3K

94.67%

Jeans (Levis 501 Or Similar)

$99.6 NOK 938

$49.37 ₱3,108

101.74%

Summer Dress (H&M, Zara, etc)

$59.1 NOK 556

$24.58 ₱1,548

140.40%

Sport Shoes (Adidas, Nike)

$133 NOK 1,251

$76.6 ₱4,825

73.38%

Men's Leather Business Shoes

$159 NOK 1,493

$58.9 ₱3,706

169.42%

1-bedroom Apartment, City Center (Monthly)

$1,219 NOK 11.5K

$503 ₱31.7K

142.05%

1-bedroom Apartment, Outside City Center (Monthly)

$1,005 NOK 9,462

$305 ₱19.2K

230.08%

3-bedroom Apartment, City Center (Monthly)

$1,960 NOK 18.5K

$1,075 ₱67.7K

82.36%

3-bedroom Apartment, Outside City Center (Monthly)

$1,639 NOK 15.4K

$632 ₱39.8K

159.22%

Buy Apartment in City Center (m2)

$6,235 NOK 58.7K

$2,870 ₱180.7K

117.27%

Buy Apartment Outside City Center (m2)

$4,007 NOK 37.7K

$1,877 ₱118.2K

113.43%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

7.2

-31.39%

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

Last update for Holmestrand: October 17, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Holmestrand

$1K 35.6%

Cebu

$305 33.3% 69.7% $701

Groceries & Markets

Holmestrand

$513 18.2%

Cebu

$210 22.9% 59.2% $304

Monthly Utilities & Internet

Holmestrand

$499 17.6%

Cebu

$160 17.5% 67.9% $339

Eating Out

Holmestrand

$396 14%

Cebu

$88 9.6% 77.8% $308

Clothing & Footwear

Holmestrand

$203 7.2%

Cebu

$94 10.3% 53.5% $108

Getting Around

Holmestrand

$123 4.4%

Cebu

$15 1.7% 87.7% $108

Sport & Entertainment

Holmestrand

$89 3.1%

Cebu

$43 4.7% 51.4% $46

Cost Breakdown

A one-bedroom apartment in the center runs $1,219 in Holmestrand and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $126 in Holmestrand vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $513 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Holmestrand

🇵🇭 Cebu

🕒 Local time

21:53 9:53 PM

03:53 3:53 AM

6 h ahead of Holmestrand

🌤 Weather

👥 Population

26,932

964,169

💱 Currency

Norwegian Krone NOK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 NOK = 10.62 USD

100 NOK = 9.45 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 20, 2026: 1 USD = 9.41 NOK (1 NOK = 0.106 USD). 1 EUR = 10.58 NOK (100 NOK = 9.45 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 NOK in detail →

On the map

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Highest

Between locations

Holmestrand Cebu 10,310 km ≈ 13 h nonstop flight

From you

Holmestrand
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

Holmestrand vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 209% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $4,242 in Holmestrand and $1,372 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.

Rent for a central apartment: $1,219 in Holmestrand versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,828 per month in Holmestrand versus $915 in Cebu – a 209% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 580% less than in Holmestrand. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $2,828 in Holmestrand, a $1,500 budget is realistic in Cebu but tight or insufficient in Holmestrand. 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 Holmestrand, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Holmestrand 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 209% less than in Holmestrand. Beyond cost, consider language, visa policies, and how big the international community is in each city.