Last update: Oct 2026

Cost of Living Comparison Between Horta and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,206 in Horta, rent and utilities included – about $3,300 less a year. The total is higher in Horta despite lower rent and utilities.

59

Cost of Living Index in Horta
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Horta Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Horta

🇵🇹 Portugal

$1,206

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,206 in Horta versus $934 in Cebu.

Horta $1,206
Cebu $934

Estimated couple costs with rent: $1,787 in Horta versus $1,415 in Cebu.

Horta $1,787
Cebu $1,415

Monthly costs for a family of three with rent: $2,367 in Horta versus $1,896 in Cebu.

Horta $2,367
Cebu $1,896

Living in Horta is roughly 29% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Horta 10% lower, Cebu 30% lower.

Meal at Budget Restaurant

$7.99 €7.13

$3.03 ₱190

163.70%

Three-Course Dinner for Two, Mid-Range

$31.09 €27.74

$23.48 ₱1,473

32.41%

Fast Food Meal (McDonalds, etc)

$8.29 €7.40

$4.09 ₱256

102.69%

Cappuccino

$2.25 €2.01

$2.52 ₱158

-10.71%

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

$1.91 €1.71

$1.54 ₱96.9

24.03%

Water (0.33 liter bottle)

$1.39 €1.24

$0.49 ₱30.98

183.67%

Local Beer (0.5 liter draught)

$2.76 €2.47

$1.79 ₱112

54.19%

Imported Beer (0.33 liter bottle)

$3.35 €2.99

$2.26 ₱142

48.23%

Milk (1 liter)

$1.07 €0.96

$1.95 ₱122

-45.13%

White Bread (500g)

$1.47 €1.31

$1.43 ₱89.7

2.80%

Rice (white) (1kg)

$1.60 €1.43

$1.02 ₱63.8

56.86%

Eggs

$4.37 €3.90

$2.06 ₱129

112.14%

Local Cheese (1kg)

$10.77 €9.61

$9.81 ₱615

9.79%

Chicken Fillets (1kg)

$7.72 €6.89

$4.61 ₱289

67.46%

Beef Round Steak (1kg)

$15.12 €13.49

$7.70 ₱483

96.36%

Apples (1kg)

$2.06 €1.83

$3.31 ₱207

-37.76%

Banana (1kg)

$1.34 €1.19

$1.45 ₱90.9

-7.59%

Oranges (1kg)

$1.87 €1.67

$2.36 ₱148

-20.76%

Tomato (1kg)

$2.86 €2.55

$1.54 ₱96.4

85.71%

Potato (1kg)

$1.85 €1.65

$2.36 ₱148

-21.61%

Onion (1kg)

$1.91 €1.71

$1.99 ₱125

-4.02%

Lettuce (1 head)

$1.53 €1.36

$1.15 ₱72.1

33.04%

Water (1.5 liter bottle)

$0.83 €0.75

$0.67 ₱42.15

23.88%

Cigarettes 20 Pack (Marlboro, Camel)

$5.34 €4.77

$3.00 ₱188

78.00%

Wine (Bottle)

$5.64 €5.03

$6.35 ₱398

-11.18%

Local Beer (0.5 liter bottle)

$1.21 €1.08

$1.31 ₱81.9

-7.63%

Imported Beer (0.33 liter bottle)

$2.10 €1.88

$1.73 ₱108

21.39%

One-way Ticket (Public Transport)

$1.98 €1.77

$0.25 ₱15.78

692.00%

Public Transport Monthly Pass (Regular Price)

$40.47 €36.12

$12.65 ₱793

219.92%

Taxi Start (Normal Tariff)

$4.16 €3.71

$0.74 ₱46.32

462.16%

Taxi (Normal Tariff) (1km)

$0.93 €0.83

$0.21 ₱13.11

342.86%

Taxi 1hour Waiting (Normal Tariff)

$17.81 €15.89

$4.33 ₱271

311.32%

Gasoline (1 liter)

$2.42 €2.16

$1.33 ₱83.5

81.95%

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

$32.9K €29.3K

$21.8K ₱1.4M

51.03%

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

$35.8K €31.9K

$19.4K ₱1.2M

84.54%

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

$121 €108

$121 ₱7,563

0.41%

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

$20.13 €17.97

$14.45 ₱907

39.31%

Internet (50+ Mbps, Unlimited Data)

$49.19 €43.90

$28.29 ₱1,774

73.88%

Gym Membership (Monthly)

$47.92 €42.77

$32.68 ₱2,050

46.63%

Tennis Court (1 Hour on Weekend)

$16.59 €14.80

$6.39 ₱401

159.62%

Cinema Ticket

$5.00 €4.47

$5.46 ₱342

-8.42%

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

$529 €472

$273 ₱17.1K

93.38%

International Primary School, 1 Child (Yearly)

$10.7K €9,549

$8,156 ₱511.5K

31.20%

Jeans (Levis 501 Or Similar)

$77.4 €69.1

$49.57 ₱3,109

56.14%

Summer Dress (H&M, Zara, etc)

$23.32 €20.81

$24.87 ₱1,560

-6.23%

Sport Shoes (Adidas, Nike)

$54.2 €48.39

$76.6 ₱4,804

-29.21%

Men's Leather Business Shoes

$104 €93.1

$59.3 ₱3,717

76.12%

1-bedroom Apartment, City Center (Monthly)

$497 €444

$506 ₱31.7K

-1.67%

1-bedroom Apartment, Outside City Center (Monthly)

$394 €352

$309 ₱19.4K

27.38%

3-bedroom Apartment, City Center (Monthly)

$751 €670

$1,052 ₱66.0K

-28.64%

3-bedroom Apartment, Outside City Center (Monthly)

$653 €583

$619 ₱38.8K

5.49%

Buy Apartment in City Center (m2)

$3,033 €2,707

$2,915 ₱182.9K

4.03%

Buy Apartment Outside City Center (m2)

$2,276 €2,031

$1,867 ₱117.1K

21.90%

Average Monthly Net Salary (After Tax)

$966 €862

$341 ₱21.4K

183.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.67

7.2

-49.03%

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

Last update for Horta: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Horta

$394 32.4%

Cebu

$309 33.5% 21.5% $85

Groceries & Markets

Horta

$253 20.7%

Cebu

$210 22.7% 16.7% $42

Monthly Utilities & Internet

Horta

$190 15.6%

Cebu

$163 17.7% 14.2% $27

Eating Out

Horta

$150 12.3%

Cebu

$88 9.6% 40.9% $61

Clothing & Footwear

Horta

$117 9.6%

Cebu

$95 10.2% 18.9% $22

Sport & Entertainment

Horta

$58 4.8%

Cebu

$44 4.7% 24.7% $14

Getting Around

Horta

$57 4.7%

Cebu

$15 1.7% 73% $42

Cost Breakdown

A one-bedroom apartment in the center runs $497 in Horta and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Horta pays 183% 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: $31.00 in Horta vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $253 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇹 Horta

🇵🇭 Cebu

🕒 Local time

08:23 8:23 AM

16:23 4:23 PM

8 h ahead of Horta

🌤 Weather

👥 Population

14,334

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Horta Cebu 13,880 km ≈ 18 h nonstop flight

From you

Horta
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

Horta vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 29% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 183% higher in Horta, 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: $497 in Horta versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,206 per month in Horta versus $934 in Cebu – a 29% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 220% less than in Horta. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,206 in Horta, a $1,500 budget is realistic in Cebu but tight or insufficient in Horta. 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 Horta, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Horta 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 29% less than in Horta. Beyond cost, consider language, visa policies, and how big the international community is in each city.