Last update: Nov 2026

Cost of Living Comparison Between Homa Bay and Cebu

For one person, living is cheaper in Homa Bay: $58.0 a month against $943 in Cebu, rent and utilities included – about $10,600 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index

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Homa Bay

🇰🇪 Kenya

$58.0

/mo nomad

Cebu

🇵🇭 Philippines

$943

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $58 in Homa Bay versus $943 in Cebu.

Homa Bay $58
Cebu $943

Estimated couple costs with rent: $453 in Homa Bay versus $1,437 in Cebu.

Homa Bay $453
Cebu $1,437

Monthly costs for a family of three with rent: $848 in Homa Bay versus $1,930 in Cebu.

Homa Bay $848
Cebu $1,930

Living in Homa Bay costs roughly 94% less than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Homa Bay 96% lower, Cebu 30% lower.

Meal at Budget Restaurant

$3.88 ₱244

Three-Course Dinner for Two, Mid-Range

$150 KES 19.5K

$23.22 ₱1,462

545.82%

Fast Food Meal (McDonalds, etc)

$10.62 KES 1,379

$3.90 ₱246

172.31%

Cappuccino

$2.56 ₱161

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

$1.60 ₱101

Water (0.33 liter bottle)

$0.99 KES 128

$0.51 ₱32.04

94.12%

Local Beer (0.5 liter draught)

$2.45 KES 319

$1.76 ₱111

39.20%

Imported Beer (0.33 liter bottle)

$4.97 KES 646

$2.15 ₱136

131.16%

Milk (1 liter)

$1.99 ₱125

White Bread (500g)

$1.37 ₱86.3

Rice (white) (1kg)

$0.95 ₱59.9

Eggs

$2.02 ₱127

Local Cheese (1kg)

$9.63 ₱606

Chicken Fillets (1kg)

$4.35 ₱274

Beef Round Steak (1kg)

$7.70 ₱485

Apples (1kg)

$3.30 ₱208

Banana (1kg)

$1.27 ₱79.7

Oranges (1kg)

$2.34 ₱148

Tomato (1kg)

$1.51 ₱95.4

Potato (1kg)

$2.23 ₱141

Onion (1kg)

$1.93 ₱122

Lettuce (1 head)

$1.18 ₱74.4

Water (1.5 liter bottle)

$0.65 ₱40.94

Cigarettes 20 Pack (Marlboro, Camel)

$2.89 ₱182

Wine (Bottle)

$6.35 ₱400

Local Beer (0.5 liter bottle)

$1.27 ₱80.1

Imported Beer (0.33 liter bottle)

$1.64 ₱103

One-way Ticket (Public Transport)

$0.23 ₱14.42

Public Transport Monthly Pass (Regular Price)

$12.24 ₱771

Taxi Start (Normal Tariff)

$0.82 ₱51.6

Taxi (Normal Tariff) (1km)

$0.20 ₱12.57

Taxi 1hour Waiting (Normal Tariff)

$4.32 ₱272

Gasoline (1 liter)

$1.38 ₱86.7

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

$21.2K ₱1.3M

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

$19.3K ₱1.2M

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

$124 ₱7,818

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

$15.93 ₱1,003

Internet (50+ Mbps, Unlimited Data)

$28.07 ₱1,768

Gym Membership (Monthly)

$33.41 ₱2,104

Tennis Court (1 Hour on Weekend)

$6.40 ₱403

Cinema Ticket

$5.85 ₱369

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

$271 ₱17.0K

International Primary School, 1 Child (Yearly)

$8,060 ₱507.6K

Jeans (Levis 501 Or Similar)

$48.31 ₱3,043

Summer Dress (H&M, Zara, etc)

$24.56 ₱1,547

Sport Shoes (Adidas, Nike)

$77.1 ₱4,858

Men's Leather Business Shoes

$56.5 ₱3,559

1-bedroom Apartment, City Center (Monthly)

$495 ₱31.2K

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.3K

3-bedroom Apartment, City Center (Monthly)

$990 ₱62.4K

3-bedroom Apartment, Outside City Center (Monthly)

$628 ₱39.6K

Buy Apartment in City Center (m2)

$4,459 ₱280.8K

Buy Apartment Outside City Center (m2)

$3,030 ₱190.8K

Average Monthly Net Salary (After Tax)

$343 ₱21.6K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Homa Bay: November 2, 2026

Last update for Cebu: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Homa Bay

–

Cebu

$322 34.1%

Groceries & Markets

Homa Bay

–

Cebu

$206 21.8%

Monthly Utilities & Internet

Homa Bay

–

Cebu

$168 17.8%

Eating Out

Homa Bay

–

Cebu

$95 10.1%

Clothing & Footwear

Homa Bay

–

Cebu

$93 9.9%

Sport & Entertainment

Homa Bay

–

Cebu

$45 4.8%

Getting Around

Homa Bay

–

Cebu

$15 1.6%

Cost Breakdown

Dining out at a mid-range restaurant: $150 in Homa Bay vs $23 in Cebu for two.

Good to know

🇰🇪 Homa Bay

🇵🇭 Cebu

🕒 Local time

00:26 12:26 AM

05:26 5:26 AM

5 h ahead of Homa Bay

🌤 Weather

👥 Population

44,949

964,169

💱 Currency

Kenyan Shilling KES Sh

Philippine Peso PHP ₱

📈 Exchange rate

1,000 KES = 7.7 USD

1,000 KES = 6.89 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to KES – Kenyan Shilling Converter

🇺🇸 United States Dollar ($)

🇰🇪 Kenyan Shilling (Sh)

Kenyan Shilling exchange rates as of November 6, 2026: 1 USD = 130 KES (1,000 KES = 7.7 USD). 1 EUR = 145 KES (1,000 KES = 6.89 EUR).

Philippine Peso exchange rates as of November 6, 2026: 1 USD = 62.98 PHP (100 PHP = 1.59 USD). 1 EUR = 70.38 PHP (100 PHP = 1.42 EUR).

USD to KES in detail →

On the map

Lowest

Highest

Between locations

Homa Bay Cebu 9,960 km ≈ 13 h nonstop flight

From you

Homa Bay
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

Homa Bay vs Cebu: Cost of Living - Frequently Asked Questions

Homa Bay is about 94% cheaper overall, especially in eating out. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $87 in Homa Bay and $1,415 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.

Dining out is cheaper in Cebu – a meal for two runs $23 versus $150 in Homa Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $58 per month in Homa Bay versus $943 in Cebu – Homa Bay is about 94% cheaper, which adds up to real savings over time.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Homa Bay and Cebu are both considered safe, so it’s unlikely to be the deciding factor between them.