Last update: Oct 2026

Cost of Living Comparison Between Hubli and Cebu

For one person, living is cheaper in Hubli: $379 a month against $918 in Cebu, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

19

Cost of Living Index in Hubli
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Hubli Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Hubli

🇮🇳 India

$379

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $379 in Hubli versus $918 in Cebu.

Hubli $379
Cebu $918

Estimated couple costs with rent: $614 in Hubli versus $1,409 in Cebu.

Hubli $614
Cebu $1,409

Monthly costs for a family of three with rent: $850 in Hubli versus $1,900 in Cebu.

Hubli $850
Cebu $1,900

Living in Hubli costs roughly 59% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Hubli 72% lower, Cebu 32% lower.

Meal at Budget Restaurant

$4.82 ₹458

$3.09 ₱194

55.99%

Three-Course Dinner for Two, Mid-Range

$15.07 ₹1,431

$24.22 ₱1,525

-37.78%

Fast Food Meal (McDonalds, etc)

$3.01 ₹286

$3.92 ₱247

-23.21%

Cappuccino

$1.56 ₹148

$2.51 ₱158

-37.85%

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

$0.37 ₹34.97

$1.59 ₱100

-76.73%

Water (0.33 liter bottle)

$0.09 ₹8.27

$0.53 ₱33.43

-83.02%

Local Beer (0.5 liter draught)

$1.83 ₹174

$1.78 ₱112

2.81%

Imported Beer (0.33 liter bottle)

$2.92 ₹277

$2.17 ₱137

34.56%

Milk (1 liter)

$0.57 ₹53.8

$1.92 ₱121

-70.31%

White Bread (500g)

$0.40 ₹38.11

$1.36 ₱85.4

-70.59%

Rice (white) (1kg)

$0.77 ₹73.2

$1.01 ₱63.5

-23.76%

Eggs

$0.85 ₹81.0

$2.03 ₱128

-58.13%

Local Cheese (1kg)

$7.44 ₹707

$9.86 ₱621

-24.54%

Chicken Fillets (1kg)

$4.05 ₹385

$4.39 ₱277

-7.74%

Beef Round Steak (1kg)

$7.60 ₱479

Apples (1kg)

$2.15 ₹204

$3.30 ₱208

-34.85%

Banana (1kg)

$0.52 ₹48.92

$1.39 ₱87.8

-62.59%

Oranges (1kg)

$1.30 ₹124

$2.33 ₱147

-44.21%

Tomato (1kg)

$0.23 ₹21.91

$1.50 ₱94.3

-84.67%

Potato (1kg)

$0.34 ₹32.03

$2.36 ₱149

-85.59%

Onion (1kg)

$0.35 ₹33.44

$1.90 ₱119

-81.58%

Lettuce (1 head)

$0.62 ₹58.5

$1.19 ₱74.9

-47.90%

Water (1.5 liter bottle)

$0.27 ₹25.51

$0.63 ₱39.71

-57.14%

Cigarettes 20 Pack (Marlboro, Camel)

$5.03 ₹478

$3.00 ₱189

67.67%

Wine (Bottle)

$6.03 ₱379

Local Beer (0.5 liter bottle)

$1.79 ₹170

$1.23 ₱77.7

45.53%

Imported Beer (0.33 liter bottle)

$2.03 ₹193

$1.75 ₱110

16.00%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.79 ₹455

One-way Ticket (Public Transport)

$0.27 ₹25.92

$0.25 ₱15.86

8.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$0.75 ₹71.0

$4.46 ₱281

-83.18%

Gasoline (1 liter)

$1.07 ₹101

$1.31 ₱82.8

-18.32%

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)

$19.1K ₱1.2M

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

$34.26 ₹3,253

$120 ₱7,569

-71.50%

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

$3.06 ₹290

$14.00 ₱882

-78.14%

Internet (50+ Mbps, Unlimited Data)

$9.89 ₹939

$27.54 ₱1,734

-64.09%

Gym Membership (Monthly)

$26.01 ₹2,470

$32.33 ₱2,035

-19.55%

Tennis Court (1 Hour on Weekend)

$2.12 ₹201

$6.65 ₱419

-68.12%

Cinema Ticket

$5.65 ₱356

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

$52.1 ₹4,945

$275 ₱17.3K

-81.09%

International Primary School, 1 Child (Yearly)

$699 ₹66.4K

$7,918 ₱498.5K

-91.17%

Jeans (Levis 501 Or Similar)

$12.56 ₹1,192

$49.33 ₱3,106

-74.54%

Summer Dress (H&M, Zara, etc)

$20.70 ₹1,965

$25.24 ₱1,589

-17.99%

Sport Shoes (Adidas, Nike)

$31.23 ₹2,965

$77.0 ₱4,846

-59.42%

Men's Leather Business Shoes

$31.03 ₹2,947

$57.2 ₱3,601

-45.75%

1-bedroom Apartment, City Center (Monthly)

$110 ₹10.5K

$500 ₱31.5K

-77.96%

1-bedroom Apartment, Outside City Center (Monthly)

$79.2 ₹7,524

$309 ₱19.4K

-74.34%

3-bedroom Apartment, City Center (Monthly)

$234 ₹22.3K

$1,078 ₱67.9K

-78.25%

3-bedroom Apartment, Outside City Center (Monthly)

$178 ₹16.9K

$615 ₱38.7K

-71.06%

Buy Apartment in City Center (m2)

$478 ₹45.4K

$2,886 ₱181.7K

-83.43%

Buy Apartment Outside City Center (m2)

$258 ₹24.5K

$1,917 ₱120.7K

-86.55%

Average Monthly Net Salary (After Tax)

$415 ₹39.4K

$346 ₱21.8K

19.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.75

7.2

7.64%

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

Last update for Hubli: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Hubli

$99 * 26.2%

Cebu

$206 22.4% 107% $106

Eating Out

Hubli

$83 21.9%

Cebu

$88 9.6% 6.2% $5.2

Accommodation & Living

Hubli

$79 20.9%

Cebu

$309 33.6% 290% $230

Monthly Utilities & Internet

Hubli

$47 12.5%

Cebu

$162 17.6% 243% $115

Clothing & Footwear

Hubli

$43 11.3%

Cebu

$94 10.2% 119% $51

Sport & Entertainment

Hubli

$26 * 6.9%

Cebu

$44 4.8% 67.7% $18

Getting Around

Hubli

$1.1 * 0.3%

Cebu

$16 1.7% 1328% $14

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 $110 in Hubli and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Hubli pays 20% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $15.00 in Hubli vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $99.0 vs $206 per month, with Hubli cheaper across the board.

Good to know

🇮🇳 Hubli

🇵🇭 Cebu

🕒 Local time

21:06 9:06 PM

23:36 11:36 PM

2 h 30 min ahead of Hubli

🌤 Weather

👥 Population

500,000

964,169

💱 Currency

Indian Rupee INR ₹

Philippine Peso PHP ₱

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Hubli Cebu 5,310 km ≈ 7 h nonstop flight

From you

Hubli
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

Hubli vs Cebu: Cost of Living - Frequently Asked Questions

Hubli is cheaper overall, especially in groceries, eating out, and clothing. The 142% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 20% higher in Hubli, 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: $110 in Hubli versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 107% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $379 per month in Hubli versus $918 in Cebu – a 142% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Hubli gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Hubli is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hubli 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 Hubli gentler on the wallet – expenses run 142% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.