Cost of Living Comparison Between Island Garden City of Samal and Cebu Cost of Living Comparison Between Island Garden City of Samal and Cebu

Monthly Cost of Living

Monthly costs for one person with rent: $730 in Island Garden City of Samal versus $873 in Cebu.

Estimated couple costs with rent: $1,092 in Island Garden City of Samal versus $1,339 in Cebu.

Monthly costs for a family of three with rent: $1,455 in Island Garden City of Samal versus $1,805 in Cebu.

Living in Island Garden City of Samal costs roughly 16% less than in Cebu, driven mainly by Groceries & Markets.

Both cities sit below the global median: Island Garden City of Samal 45% lower, Cebu 35% lower.

Meal at Budget Restaurant

$1.30 ₱79.9

$4.39 ₱270

-70.39%

Three-Course Dinner for Two, Mid-Range

$12.51 ₱770

$24.30 ₱1,496

-48.52%

Fast Food Meal (McDonalds, etc)

$4.56 ₱281

$4.53 ₱279

0.66%

Cappuccino

$2.11 ₱130

$2.52 ₱155

-16.27%

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

$0.80 ₱49.25

$0.80 ₱49.42

Water (0.33 liter bottle)

$0.53 ₱32.70

$0.42 ₱25.97

26.19%

Local Beer (0.5 liter draught)

$1.38 ₱85.0

$1.59 ₱97.7

-13.21%

Imported Beer (0.33 liter bottle)

$1.72 ₱106

$2.19 ₱135

-21.46%

Milk (1 liter)

$1.27 ₱77.9

$2.26 ₱139

-43.81%

White Bread (500g)

$0.60 ₱37.14

$1.51 ₱93.0

-60.26%

Rice (white) (1kg)

$0.74 ₱45.48

$1.16 ₱71.6

-36.21%

Eggs

$2.02 ₱124

$2.36 ₱145

-14.41%

Local Cheese (1kg)

$6.02 ₱371

$12.87 ₱792

-53.22%

Chicken Fillets (1kg)

$3.26 ₱201

$5.38 ₱331

-39.41%

Beef Round Steak (1kg)

$5.20 ₱320

$7.82 ₱481

-33.50%

Apples (1kg)

$3.01 ₱185

$3.53 ₱217

-14.73%

Banana (1kg)

$1.15 ₱70.5

$1.51 ₱92.9

-23.84%

Oranges (1kg)

$2.36 ₱145

$3.29 ₱203

-28.27%

Tomato (1kg)

$1.22 ₱75.4

$2.20 ₱136

-44.55%

Potato (1kg)

$2.26 ₱139

$2.64 ₱162

-14.39%

Onion (1kg)

$1.58 ₱97.2

$2.46 ₱152

-35.77%

Lettuce (1 head)

$0.92 ₱56.5

$1.00 ₱61.4

-8.00%

Water (1.5 liter bottle)

$0.47 ₱28.88

$0.78 ₱48.06

-39.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.71 ₱167

$3.10 ₱191

-12.58%

Wine (Bottle)

$7.96 ₱490

$6.43 ₱396

23.79%

Local Beer (0.5 liter bottle)

$1.26 ₱77.5

$1.16 ₱71.7

8.62%

Imported Beer (0.33 liter bottle)

$1.26 ₱77.7

$2.24 ₱138

-43.75%

One-way Ticket (Public Transport)

$0.28 ₱17.34

$0.26 ₱15.80

7.69%

Public Transport Monthly Pass (Regular Price)

$15.36 ₱946

Taxi Start (Normal Tariff)

$0.69 ₱42.69

$0.81 ₱49.81

-14.81%

Taxi (Normal Tariff) (1km)

$0.08 ₱4.71

$0.23 ₱14.06

-65.22%

Taxi 1hour Waiting (Normal Tariff)

$2.12 ₱130

$2.64 ₱163

-19.70%

Gasoline (1 liter)

$1.15 ₱70.7

$1.10 ₱67.7

4.55%

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

$22.0K ₱1.4M

$30.5K ₱1.9M

-27.65%

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

$20.8K ₱1.3M

$27.7K ₱1.7M

-24.84%

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

$98.9 ₱6,091

$95.9 ₱5,904

3.18%

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

$33.26 ₱2,048

$34.05 ₱2,096

-2.32%

Internet (50+ Mbps, Unlimited Data)

$35.67 ₱2,196

$29.86 ₱1,839

19.46%

Gym Membership (Monthly)

$34.59 ₱2,129

$33.32 ₱2,051

3.81%

Tennis Court (1 Hour on Weekend)

$4.44 ₱273

$8.45 ₱520

-47.46%

Cinema Ticket

$4.54 ₱279

$5.79 ₱357

-21.59%

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

$118 ₱7,244

$235 ₱14.5K

-50.02%

International Primary School, 1 Child (Yearly)

$4,242 ₱261.2K

$3,913 ₱240.9K

8.41%

Jeans (Levis 501 Or Similar)

$45.91 ₱2,826

$53.1 ₱3,272

-13.61%

Summer Dress (H&M, Zara, etc)

$30.60 ₱1,884

$22.65 ₱1,395

35.10%

Sport Shoes (Adidas, Nike)

$77.9 ₱4,798

$76.1 ₱4,685

2.43%

Men's Leather Business Shoes

$67.7 ₱4,169

$55.0 ₱3,383

23.22%

1-bedroom Apartment, City Center (Monthly)

$265 ₱16.3K

$508 ₱31.3K

-47.84%

1-bedroom Apartment, Outside City Center (Monthly)

$174 ₱10.7K

$210 ₱12.9K

-16.74%

3-bedroom Apartment, City Center (Monthly)

$593 ₱36.5K

$800 ₱49.3K

-25.87%

3-bedroom Apartment, Outside City Center (Monthly)

$399 ₱24.6K

$389 ₱24.0K

2.52%

Buy Apartment in City Center (m2)

$2,261 ₱139.2K

$3,013 ₱185.5K

-24.96%

Buy Apartment Outside City Center (m2)

$933 ₱57.4K

$1,950 ₱120.1K

-52.18%

Average Monthly Net Salary (After Tax)

$340 ₱20.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

9.56

19.50%

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

Last update for Island Garden City of Samal: July 12, 2026

Last update for Cebu: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $265 in Island Garden City of Samal and $508 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $13.00 in Island Garden City of Samal vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $161 vs $241 per month, with Island Garden City of Samal cheaper across the board.

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

Island Garden City of Samal vs Cebu: Cost of Living - Frequently Asked Questions

Island Garden City of Samal is cheaper overall, especially in Groceries & Markets, Eating Out, Sport & Entertainment, Getting Around. The 20% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,094 in Island Garden City of Samal and $1,310 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: $265 in Island Garden City of Samal versus $508 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 50% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $730 per month in Island Garden City of Samal versus $873 in Cebu – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

At $730 in Island Garden City of Samal versus $873 in Cebu, a $1,000 budget is realistic in Island Garden City of Samal but tight or insufficient in Cebu. The gap between the two cities makes Island Garden City of Samal the clear choice for anyone on this budget.

For families, Island Garden City of Samal 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, Island Garden City of Samal 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 Island Garden City of Samal gentler on the wallet – expenses run 20% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.