Last update: Oct 2026

Cost of Living Comparison Between Horsham and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,458 in Horsham, rent and utilities included – about $18,500 less a year. Rent and utilities account for most of the difference.

122

Cost of Living Index in Horsham
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Horsham Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Horsham

🇦🇺 Australia

$2,458

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,458 in Horsham versus $918 in Cebu.

Horsham $2,458
Cebu $918

Estimated couple costs with rent: $3,507 in Horsham versus $1,409 in Cebu.

Horsham $3,507
Cebu $1,409

Monthly costs for a family of three with rent: $4,557 in Horsham versus $1,900 in Cebu.

Horsham $4,557
Cebu $1,900

Living in Horsham is roughly 168% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Horsham is 82% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.71 A$19.73

$3.09 ₱194

343.69%

Three-Course Dinner for Two, Mid-Range

$69.1 A$99.4

$24.22 ₱1,525

185.18%

Fast Food Meal (McDonalds, etc)

$12.34 A$17.76

$3.92 ₱247

214.80%

Cappuccino

$3.55 A$5.10

$2.51 ₱158

41.43%

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

$3.12 A$4.49

$1.59 ₱100

96.23%

Water (0.33 liter bottle)

$2.03 A$2.93

$0.53 ₱33.43

283.02%

Local Beer (0.5 liter draught)

$9.97 A$14.34

$1.78 ₱112

460.11%

Imported Beer (0.33 liter bottle)

$8.57 A$12.33

$2.17 ₱137

294.93%

Milk (1 liter)

$1.49 A$2.14

$1.92 ₱121

-22.40%

White Bread (500g)

$2.96 A$4.27

$1.36 ₱85.4

117.65%

Rice (white) (1kg)

$2.54 A$3.65

$1.01 ₱63.5

151.49%

Eggs

$5.56 A$8.00

$2.03 ₱128

173.89%

Local Cheese (1kg)

$10.59 A$15.25

$9.86 ₱621

7.40%

Chicken Fillets (1kg)

$10.03 A$14.43

$4.39 ₱277

128.47%

Beef Round Steak (1kg)

$14.94 A$21.50

$7.60 ₱479

96.58%

Apples (1kg)

$3.95 A$5.68

$3.30 ₱208

19.70%

Banana (1kg)

$3.07 A$4.41

$1.39 ₱87.8

120.86%

Oranges (1kg)

$3.20 A$4.60

$2.33 ₱147

37.34%

Tomato (1kg)

$4.64 A$6.67

$1.50 ₱94.3

209.33%

Potato (1kg)

$3.05 A$4.38

$2.36 ₱149

29.24%

Onion (1kg)

$2.58 A$3.71

$1.90 ₱119

35.79%

Lettuce (1 head)

$2.45 A$3.53

$1.19 ₱74.9

105.88%

Water (1.5 liter bottle)

$1.58 A$2.28

$0.63 ₱39.71

150.79%

Cigarettes 20 Pack (Marlboro, Camel)

$45.07 A$64.9

$3.00 ₱189

1402.33%

Wine (Bottle)

$10.40 A$14.96

$6.03 ₱379

72.47%

Local Beer (0.5 liter bottle)

$5.45 A$7.85

$1.23 ₱77.7

343.09%

Imported Beer (0.33 liter bottle)

$5.23 A$7.53

$1.75 ₱110

198.86%

One-way Ticket (Public Transport)

$2.88 A$4.15

$0.25 ₱15.86

1052.00%

Public Transport Monthly Pass (Regular Price)

$85.2 A$123

$12.64 ₱796

573.81%

Taxi Start (Normal Tariff)

$4.50 A$6.48

$0.77 ₱48.62

484.42%

Taxi (Normal Tariff) (1km)

$1.36 A$1.96

$0.23 ₱14.53

491.30%

Taxi 1hour Waiting (Normal Tariff)

$29.41 A$42.32

$4.46 ₱281

559.42%

Gasoline (1 liter)

$1.37 A$1.97

$1.31 ₱82.8

4.58%

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

$28.3K A$40.7K

$21.2K ₱1.3M

33.30%

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

$26.8K A$38.5K

$19.1K ₱1.2M

39.74%

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

$234 A$337

$120 ₱7,569

94.58%

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

$14.01 A$20.16

$14.00 ₱882

0.07%

Internet (50+ Mbps, Unlimited Data)

$51.4 A$74.0

$27.54 ₱1,734

86.64%

Gym Membership (Monthly)

$56.2 A$80.9

$32.33 ₱2,035

73.89%

Tennis Court (1 Hour on Weekend)

$19.19 A$27.61

$6.65 ₱419

188.57%

Cinema Ticket

$15.50 A$22.31

$5.65 ₱356

174.34%

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

$2,340 A$3,367

$275 ₱17.3K

749.86%

International Primary School, 1 Child (Yearly)

$29.6K A$42.6K

$7,918 ₱498.5K

273.48%

Jeans (Levis 501 Or Similar)

$80.9 A$116

$49.33 ₱3,106

63.90%

Summer Dress (H&M, Zara, etc)

$48.96 A$70.5

$25.24 ₱1,589

93.98%

Sport Shoes (Adidas, Nike)

$121 A$174

$77.0 ₱4,846

56.68%

Men's Leather Business Shoes

$133 A$191

$57.2 ₱3,601

132.10%

1-bedroom Apartment, City Center (Monthly)

$1,230 A$1,770

$500 ₱31.5K

146.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,134 A$1,632

$309 ₱19.4K

267.30%

3-bedroom Apartment, City Center (Monthly)

$2,100 A$3,022

$1,078 ₱67.9K

94.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,697 A$2,441

$615 ₱38.7K

175.76%

Buy Apartment in City Center (m2)

$6,279 A$9,036

$2,886 ₱181.7K

117.57%

Buy Apartment Outside City Center (m2)

$4,906 A$7,060

$1,917 ₱120.7K

156.00%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.5

7.2

-23.61%

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

Last update for Horsham: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Horsham

$1.1K 46.2%

Cebu

$309 33.6% 72.8% $825

Groceries & Markets

Horsham

$379 15.4%

Cebu

$206 22.4% 45.7% $174

Monthly Utilities & Internet

Horsham

$299 12.2%

Cebu

$162 17.6% 46% $138

Eating Out

Horsham

$277 11.3%

Cebu

$88 9.6% 68.1% $189

Clothing & Footwear

Horsham

$172 7%

Cebu

$94 10.2% 45.5% $78

Getting Around

Horsham

$108 4.4%

Cebu

$16 1.7% 85.6% $92

Sport & Entertainment

Horsham

$87 3.6%

Cebu

$44 4.8% 50% $44

Cost Breakdown

A one-bedroom apartment in the center runs $1,230 in Horsham and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $69.0 in Horsham vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $379 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇦🇺 Horsham

🇵🇭 Cebu

🕒 Local time

02:43 2:43 AM

23:43 11:43 PM

3 h behind Horsham

🌤 Weather

👥 Population

14,543

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 19, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to AUD in detail →

On the map

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Between locations

Horsham Cebu 5,570 km ≈ 7 h nonstop flight

From you

Horsham
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

Horsham vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 168% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,686 in Horsham 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.

Rent for a central apartment: $1,230 in Horsham versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,458 per month in Horsham versus $918 in Cebu – a 168% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 574% less than in Horsham. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,458 in Horsham, a $1,500 budget is realistic in Cebu but tight or insufficient in Horsham. 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 Horsham, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Horsham 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 168% less than in Horsham. Beyond cost, consider language, visa policies, and how big the international community is in each city.