Last update: Oct 2026

Cost of Living Comparison Between Horsham and Cebu

For one person, living is cheaper in Cebu: $915 a month against $2,791 in Horsham, rent and utilities included – about $22,500 less a year. Rent and utilities account for most of the difference.

136

Cost of Living Index in Horsham
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Horsham Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Horsham

🇬🇧 United Kingdom

$2,791

/mo nomad

Cebu

🇵🇭 Philippines

$915

/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: $2,791 in Horsham versus $915 in Cebu.

Horsham $2,791
Cebu $915

Estimated couple costs with rent: $4,027 in Horsham versus $1,418 in Cebu.

Horsham $4,027
Cebu $1,418

Monthly costs for a family of three with rent: $5,264 in Horsham versus $1,921 in Cebu.

Horsham $5,264
Cebu $1,921

Living in Horsham is roughly 205% 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 106% above, Cebu is 33% below.

Meal at Budget Restaurant

$21.67 £16.26

$3.05 ₱192

610.49%

Three-Course Dinner for Two, Mid-Range

$94.2 £70.7

$24.00 ₱1,511

292.42%

Fast Food Meal (McDonalds, etc)

$10.29 £7.72

$3.99 ₱251

157.89%

Cappuccino

$5.00 £3.75

$2.50 ₱157

100.00%

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

$2.32 £1.74

$1.54 ₱97.1

50.65%

Water (0.33 liter bottle)

$1.88 £1.41

$0.50 ₱31.37

276.00%

Local Beer (0.5 liter draught)

$7.25 £5.44

$1.78 ₱112

307.30%

Imported Beer (0.33 liter bottle)

$6.14 £4.60

$2.17 ₱136

182.95%

Milk (1 liter)

$1.45 £1.09

$2.00 ₱126

-27.50%

White Bread (500g)

$1.19 £0.89

$1.37 ₱86.2

-13.14%

Rice (white) (1kg)

$1.77 £1.33

$1.03 ₱64.9

71.84%

Eggs

$3.77 £2.83

$2.03 ₱128

85.71%

Local Cheese (1kg)

$11.42 £8.56

$10.20 ₱642

11.96%

Chicken Fillets (1kg)

$8.25 £6.19

$4.45 ₱280

85.39%

Beef Round Steak (1kg)

$12.75 £9.56

$7.67 ₱483

66.23%

Apples (1kg)

$3.00 £2.25

$3.31 ₱208

-9.37%

Banana (1kg)

$1.30 £0.98

$1.46 ₱91.8

-10.96%

Oranges (1kg)

$2.89 £2.17

$2.32 ₱146

24.57%

Tomato (1kg)

$3.31 £2.48

$1.49 ₱94.0

122.15%

Potato (1kg)

$1.05 £0.78

$2.34 ₱147

-55.13%

Onion (1kg)

$1.31 £0.98

$1.94 ₱122

-32.47%

Lettuce (1 head)

$0.99 £0.74

$1.16 ₱73.0

-14.66%

Water (1.5 liter bottle)

$1.30 £0.98

$0.68 ₱42.89

91.18%

Cigarettes 20 Pack (Marlboro, Camel)

$21.89 £16.42

$2.99 ₱188

632.11%

Wine (Bottle)

$11.81 £8.86

$6.24 ₱393

89.26%

Local Beer (0.5 liter bottle)

$2.23 £1.67

$1.23 ₱77.3

81.30%

Imported Beer (0.33 liter bottle)

$3.06 £2.30

$1.73 ₱109

76.88%

One-way Ticket (Public Transport)

$4.10 £3.08

$0.23 ₱14.36

1682.61%

Public Transport Monthly Pass (Regular Price)

$92.9 £69.7

$12.34 ₱777

653.16%

Taxi Start (Normal Tariff)

$6.49 £4.87

$0.79 ₱49.96

721.52%

Taxi (Normal Tariff) (1km)

$4.39 £3.29

$0.22 ₱13.86

1895.45%

Taxi 1hour Waiting (Normal Tariff)

$13.55 £10.16

$4.54 ₱286

198.46%

Gasoline (1 liter)

$1.94 £1.46

$1.32 ₱82.9

46.97%

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

$36.0K £27.0K

$21.0K ₱1.3M

71.22%

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

$40.6K £30.4K

$19.4K ₱1.2M

109.02%

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

$262 £196

$119 ₱7,464

120.77%

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

$15.91 £11.93

$14.22 ₱896

11.88%

Internet (50+ Mbps, Unlimited Data)

$35.94 £26.96

$27.47 ₱1,730

30.83%

Gym Membership (Monthly)

$43.70 £32.79

$32.31 ₱2,034

35.25%

Tennis Court (1 Hour on Weekend)

$10.80 £8.10

$6.50 ₱409

66.15%

Cinema Ticket

$13.52 £10.15

$5.40 ₱340

150.37%

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

$1,676 £1,257

$276 ₱17.4K

507.21%

International Primary School, 1 Child (Yearly)

$19.9K £14.9K

$7,866 ₱495.3K

152.74%

Jeans (Levis 501 Or Similar)

$74.7 £56.0

$49.37 ₱3,108

51.25%

Summer Dress (H&M, Zara, etc)

$69.0 £51.8

$24.58 ₱1,548

180.80%

Sport Shoes (Adidas, Nike)

$80.8 £60.6

$76.6 ₱4,825

5.39%

Men's Leather Business Shoes

$98.3 £73.8

$58.9 ₱3,706

67.04%

1-bedroom Apartment, City Center (Monthly)

$1,806 £1,355

$503 ₱31.7K

258.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,514 £1,136

$305 ₱19.2K

397.25%

3-bedroom Apartment, City Center (Monthly)

$2,781 £2,087

$1,075 ₱67.7K

158.77%

3-bedroom Apartment, Outside City Center (Monthly)

$2,393 £1,795

$632 ₱39.8K

278.54%

Buy Apartment in City Center (m2)

$6,785 £5,090

$2,870 ₱180.7K

136.45%

Buy Apartment Outside City Center (m2)

$6,447 £4,837

$1,877 ₱118.2K

243.45%

Average Monthly Net Salary (After Tax)

$3,180 £2,385

$336 ₱21.1K

846.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-30.56%

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

Last update for Horsham: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Horsham

$1.5K 54.3%

Cebu

$305 33.3% 79.9% $1.2K

Eating Out

Horsham

$330 11.8%

Cebu

$88 9.6% 73.4% $242

Monthly Utilities & Internet

Horsham

$314 11.2%

Cebu

$160 17.5% 48.9% $153

Groceries & Markets

Horsham

$279 10%

Cebu

$210 22.9% 25% $70

Clothing & Footwear

Horsham

$145 5.2%

Cebu

$94 10.3% 35.1% $51

Getting Around

Horsham

$138 4.9%

Cebu

$15 1.7% 89% $123

Sport & Entertainment

Horsham

$71 2.5%

Cebu

$43 4.7% 39.1% $28

Cost Breakdown

A one-bedroom apartment in the center runs $1,806 in Horsham and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Horsham pays 847% 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: $94.0 in Horsham vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $279 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Horsham

🇵🇭 Cebu

🕒 Local time

01:22 1:22 AM

08:22 8:22 AM

7 h ahead of Horsham

🌤 Weather

👥 Population

51,472

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 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 22, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Philippine Peso exchange rates as of October 22, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GBP in detail →

On the map

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Between locations

Horsham Cebu 11,350 km ≈ 15 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 eating out, groceries, and clothing. The 205% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 847% higher in Horsham, 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: $1,806 in Horsham versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,791 per month in Horsham versus $915 in Cebu – a 205% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 653% less than in Horsham. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $2,791 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 205% less than in Horsham. Beyond cost, consider language, visa policies, and how big the international community is in each city.