Last update: Oct 2026

Cost of Living Comparison Between Horten and Cebu

For one person, living is cheaper in Cebu: $915 a month against $2,678 in Horten, rent and utilities included – about $21,200 less a year. Rent and utilities account for most of the difference.

129

Cost of Living Index in Horten
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Horten Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Horten

🇳🇴 Norway

$2,678

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,678 in Horten versus $915 in Cebu.

Horten $2,678
Cebu $915

Estimated couple costs with rent: $3,785 in Horten versus $1,418 in Cebu.

Horten $3,785
Cebu $1,418

Monthly costs for a family of three with rent: $4,892 in Horten versus $1,921 in Cebu.

Horten $4,892
Cebu $1,921

Living in Horten is roughly 193% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Horten is 98% above, Cebu is 33% below.

Meal at Budget Restaurant

$21.27 NOK 200

$3.05 ₱192

597.38%

Three-Course Dinner for Two, Mid-Range

$126 NOK 1,183

$24.00 ₱1,511

423.63%

Fast Food Meal (McDonalds, etc)

$16.13 NOK 152

$3.99 ₱251

304.26%

Cappuccino

$6.05 NOK 56.9

$2.50 ₱157

142.00%

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

$3.00 NOK 28.24

$1.54 ₱97.1

94.81%

Water (0.33 liter bottle)

$3.22 NOK 30.29

$0.50 ₱31.37

544.00%

Local Beer (0.5 liter draught)

$11.83 NOK 111

$1.78 ₱112

564.61%

Imported Beer (0.33 liter bottle)

$12.56 NOK 118

$2.17 ₱136

478.80%

Milk (1 liter)

$2.28 NOK 21.47

$2.00 ₱126

14.00%

White Bread (500g)

$3.49 NOK 32.90

$1.37 ₱86.2

154.74%

Rice (white) (1kg)

$4.11 NOK 38.72

$1.03 ₱64.9

299.03%

Eggs

$5.24 NOK 49.30

$2.03 ₱128

158.13%

Local Cheese (1kg)

$7.58 NOK 71.4

$10.20 ₱642

-25.69%

Chicken Fillets (1kg)

$15.17 NOK 143

$4.45 ₱280

240.90%

Beef Round Steak (1kg)

$11.97 NOK 113

$7.67 ₱483

56.06%

Apples (1kg)

$3.30 NOK 31.10

$3.31 ₱208

-0.30%

Banana (1kg)

$2.74 NOK 25.76

$1.46 ₱91.8

87.67%

Oranges (1kg)

$3.56 NOK 33.55

$2.32 ₱146

53.45%

Tomato (1kg)

$6.05 NOK 57.0

$1.49 ₱94.0

306.04%

Potato (1kg)

$2.78 NOK 26.21

$2.34 ₱147

18.80%

Onion (1kg)

$2.97 NOK 27.95

$1.94 ₱122

53.09%

Lettuce (1 head)

$2.17 NOK 20.38

$1.16 ₱73.0

87.07%

Water (1.5 liter bottle)

$2.47 NOK 23.21

$0.68 ₱42.89

263.24%

Cigarettes 20 Pack (Marlboro, Camel)

$19.34 NOK 182

$2.99 ₱188

546.82%

Wine (Bottle)

$16.85 NOK 159

$6.24 ₱393

170.03%

Local Beer (0.5 liter bottle)

$3.51 NOK 33.05

$1.23 ₱77.3

185.37%

Imported Beer (0.33 liter bottle)

$4.41 NOK 41.52

$1.73 ₱109

154.91%

One-way Ticket (Public Transport)

$4.83 NOK 45.44

$0.23 ₱14.36

2000.00%

Public Transport Monthly Pass (Regular Price)

$87.3 NOK 821

$12.34 ₱777

607.05%

Taxi Start (Normal Tariff)

$12.15 NOK 114

$0.79 ₱49.96

1437.97%

Taxi (Normal Tariff) (1km)

$1.89 NOK 17.78

$0.22 ₱13.86

759.09%

Taxi 1hour Waiting (Normal Tariff)

$70.8 NOK 667

$4.54 ₱286

1459.69%

Gasoline (1 liter)

$2.43 NOK 22.86

$1.32 ₱82.9

84.09%

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

$48.4K NOK 455.9K

$21.0K ₱1.3M

130.55%

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

$45.3K NOK 426.4K

$19.4K ₱1.2M

133.44%

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

$427 NOK 4,023

$119 ₱7,464

260.47%

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

$34.47 NOK 324

$14.22 ₱896

142.41%

Internet (50+ Mbps, Unlimited Data)

$54.0 NOK 508

$27.47 ₱1,730

96.47%

Gym Membership (Monthly)

$32.31 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$20.34 NOK 191

$5.40 ₱340

276.67%

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

$127 NOK 1,198

$276 ₱17.4K

-53.89%

International Primary School, 1 Child (Yearly)

$15.5K NOK 146.2K

$7,866 ₱495.3K

97.46%

Jeans (Levis 501 Or Similar)

$100 NOK 944

$49.37 ₱3,108

103.20%

Summer Dress (H&M, Zara, etc)

$43.29 NOK 408

$24.58 ₱1,548

76.12%

Sport Shoes (Adidas, Nike)

$57.7 NOK 543

$76.6 ₱4,825

-24.75%

Men's Leather Business Shoes

$161 NOK 1,512

$58.9 ₱3,706

172.83%

1-bedroom Apartment, City Center (Monthly)

$1,108 NOK 10.4K

$503 ₱31.7K

120.16%

1-bedroom Apartment, Outside City Center (Monthly)

$1,010 NOK 9,512

$305 ₱19.2K

231.84%

3-bedroom Apartment, City Center (Monthly)

$1,795 NOK 16.9K

$1,075 ₱67.7K

66.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,263 NOK 11.9K

$632 ₱39.8K

99.81%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

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 Horten: 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

Horten

$1K 37.7%

Cebu

$305 33.3% 69.9% $706

Monthly Utilities & Internet

Horten

$516 19.3%

Cebu

$160 17.5% 68.9% $356

Groceries & Markets

Horten

$420 15.7%

Cebu

$210 22.9% 50.1% $210

Eating Out

Horten

$400 15%

Cebu

$88 9.6% 78.1% $312

Clothing & Footwear

Horten

$163 6.1%

Cebu

$94 10.3% 42.1% $69

Getting Around

Horten

$128 4.8%

Cebu

$15 1.7% 88.2% $113

Sport & Entertainment

Horten

$41 * 1.5%

Cebu

$43 4.7% 5.9% $2.4

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,108 in Horten and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $126 in Horten vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $420 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Horten

🇵🇭 Cebu

🕒 Local time

02:44 2:44 AM

08:44 8:44 AM

6 h ahead of Horten

🌤 Weather

👥 Population

28,001

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 21, 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 21, 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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Between locations

Horten Cebu 10,300 km ≈ 13 h nonstop flight

From you

Horten
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

Horten vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 193% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $4,017 in Horten 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: $1,108 in Horten versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,678 per month in Horten versus $915 in Cebu – a 193% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 607% less than in Horten. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $2,678 in Horten, a $1,500 budget is realistic in Cebu but tight or insufficient in Horten. 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 Horten, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Horten 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 193% less than in Horten. Beyond cost, consider language, visa policies, and how big the international community is in each city.