Last update: Nov 2026

Cost of Living Comparison Between Jhelum and Cebu

For one person, living is cheaper in Jhelum: $399 a month against $943 in Cebu, rent and utilities included – about $6,500 less a year. Rent and utilities account for about half of the difference.

19

Cost of Living Index in Jhelum
Learn more

Jhelum Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Jhelum

🇵🇰 Pakistan

$399

/mo nomad

Cebu

🇵🇭 Philippines

$943

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $399 in Jhelum versus $943 in Cebu.

Jhelum $399
Cebu $943

Estimated couple costs with rent: $616 in Jhelum versus $1,437 in Cebu.

Jhelum $616
Cebu $1,437

Monthly costs for a family of three with rent: $834 in Jhelum versus $1,930 in Cebu.

Jhelum $834
Cebu $1,930

Living in Jhelum costs roughly 58% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Jhelum 71% lower, Cebu 30% lower.

Meal at Budget Restaurant

$1.86 PKR 515

$3.88 ₱244

-52.06%

Three-Course Dinner for Two, Mid-Range

$10.81 PKR 2,989

$23.22 ₱1,462

-53.45%

Fast Food Meal (McDonalds, etc)

$5.45 PKR 1,508

$3.90 ₱246

39.74%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.51 PKR 695

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.12 PKR 587

Cappuccino

$1.50 PKR 416

$2.56 ₱161

-41.41%

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

$0.45 PKR 123

$1.60 ₱101

-71.88%

Water (0.33 liter bottle)

$0.30 PKR 82.4

$0.51 ₱32.03

-41.18%

Local Beer (0.5 liter draught)

$1.76 ₱111

Imported Beer (0.33 liter bottle)

$2.15 ₱136

Milk (1 liter)

$0.67 PKR 186

$1.99 ₱125

-66.33%

White Bread (500g)

$0.66 PKR 182

$1.37 ₱86.3

-51.82%

Rice (white) (1kg)

$1.22 PKR 337

$0.95 ₱59.9

28.42%

Eggs

$1.19 PKR 330

$2.02 ₱127

-41.09%

Local Cheese (1kg)

$2.60 PKR 718

$9.63 ₱606

-73.00%

Chicken Fillets (1kg)

$2.28 PKR 631

$4.35 ₱274

-47.59%

Beef Round Steak (1kg)

$2.72 PKR 751

$7.70 ₱485

-64.68%

Apples (1kg)

$1.11 PKR 307

$3.30 ₱207

-66.36%

Banana (1kg)

$0.37 PKR 103

$1.27 ₱79.7

-70.87%

Oranges (1kg)

$0.61 PKR 168

$2.34 ₱148

-73.93%

Tomato (1kg)

$0.63 PKR 174

$1.51 ₱95.4

-58.28%

Potato (1kg)

$0.28 PKR 77.4

$2.23 ₱141

-87.44%

Onion (1kg)

$0.35 PKR 96.0

$1.93 ₱122

-81.87%

Lettuce (1 head)

$0.43 PKR 120

$1.18 ₱74.4

-63.56%

Water (1.5 liter bottle)

$0.40 PKR 111

$0.65 ₱40.93

-38.46%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.87 PKR 516

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.52 PKR 144

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.33 PKR 645

Cigarettes 20 Pack (Marlboro, Camel)

$1.48 PKR 410

$2.89 ₱182

-48.79%

Wine (Bottle)

$6.35 ₱400

Local Beer (0.5 liter bottle)

$1.27 ₱80.1

Imported Beer (0.33 liter bottle)

$1.64 ₱103

One-way Ticket (Public Transport)

$0.19 PKR 53.8

$0.23 ₱14.42

-17.39%

Public Transport Monthly Pass (Regular Price)

$9.82 PKR 2,714

$12.24 ₱771

-19.77%

Taxi Start (Normal Tariff)

$1.06 PKR 294

$0.82 ₱51.5

29.27%

Taxi (Normal Tariff) (1km)

$1.11 PKR 306

$0.20 ₱12.56

455.00%

Taxi 1hour Waiting (Normal Tariff)

$2.87 PKR 793

$4.32 ₱272

-33.56%

Gasoline (1 liter)

$1.17 PKR 324

$1.38 ₱86.7

-15.22%

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

$23.9K PKR 6.6M

$21.2K ₱1.3M

12.83%

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

$23.4K PKR 6.5M

$19.3K ₱1.2M

21.16%

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

$66.4 PKR 18.4K

$124 ₱7,816

-46.50%

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

$5.63 PKR 1,556

$15.93 ₱1,003

-64.66%

Internet (50+ Mbps, Unlimited Data)

$14.69 PKR 4,061

$28.07 ₱1,768

-47.67%

Gym Membership (Monthly)

$14.73 PKR 4,071

$33.41 ₱2,104

-55.91%

Tennis Court (1 Hour on Weekend)

$7.96 PKR 2,200

$6.40 ₱403

24.37%

Cinema Ticket

$7.14 PKR 1,972

$5.85 ₱368

22.05%

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

$26.80 PKR 7,408

$271 ₱17.0K

-90.09%

International Primary School, 1 Child (Yearly)

$2,037 PKR 562.9K

$8,060 ₱507.5K

-74.73%

Jeans (Levis 501 Or Similar)

$19.11 PKR 5,280

$48.31 ₱3,042

-60.44%

Summer Dress (H&M, Zara, etc)

$26.16 PKR 7,228

$24.56 ₱1,546

6.51%

Sport Shoes (Adidas, Nike)

$53.6 PKR 14.8K

$77.1 ₱4,856

-30.46%

Men's Leather Business Shoes

$30.33 PKR 8,383

$56.5 ₱3,558

-46.33%

1-bedroom Apartment, City Center (Monthly)

$137 PKR 37.7K

$495 ₱31.2K

-72.43%

1-bedroom Apartment, Outside City Center (Monthly)

$83.5 PKR 23.1K

$322 ₱20.3K

-74.03%

3-bedroom Apartment, City Center (Monthly)

$266 PKR 73.6K

$990 ₱62.4K

-73.11%

3-bedroom Apartment, Outside City Center (Monthly)

$184 PKR 50.9K

$628 ₱39.6K

-70.68%

Buy Apartment in City Center (m2)

$832 PKR 229.8K

$4,459 ₱280.7K

-81.35%

Buy Apartment Outside City Center (m2)

$509 PKR 140.8K

$3,030 ₱190.8K

-83.19%

Average Monthly Net Salary (After Tax)

$343 ₱21.6K

20-Year Fixed Mortgage Interest Rate (Annual %)

11.83

7.2

64.31%

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

Last update for Jhelum: November 1, 2026

Last update for Cebu: November 2, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Jhelum

$87 21.8%

Cebu

$168 17.8% 93.8% $81

Accommodation & Living

Jhelum

$84 21%

Cebu

$322 34.1% 285% $238

Groceries & Markets

Jhelum

$72 18%

Cebu

$206 21.8% 187% $134

Clothing & Footwear

Jhelum

$58 14.6%

Cebu

$93 9.9% 59.8% $35

Eating Out

Jhelum

$52 13.1%

Cebu

$95 10.1% 81.6% $43

Sport & Entertainment

Jhelum

$29 7.3%

Cebu

$45 4.8% 55.6% $16

Getting Around

Jhelum

$17 4.3%

Cebu

$15 1.6% 13% $2.2

Cost Breakdown

A one-bedroom apartment in the center runs $137 in Jhelum and $495 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $11 in Jhelum vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $72 vs $206 per month, with Jhelum cheaper across the board.

Good to know

🇵🇰 Jhelum

🇵🇭 Cebu

🕒 Local time

11:36 11:36 AM

14:36 2:36 PM

3 h ahead of Jhelum

🌤 Weather

👥 Population

190,425

964,169

💱 Currency

Pakistani Rupee PKR ₨

Philippine Peso PHP ₱

📈 Exchange rate

1,000 PKR = 3.62 USD

1,000 PKR = 3.22 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of November 6, 2026: 1 USD = 276 PKR (1,000 PKR = 3.62 USD). 1 EUR = 310 PKR (1,000 PKR = 3.22 EUR).

Philippine Peso exchange rates as of November 6, 2026: 1 USD = 62.97 PHP (100 PHP = 1.59 USD). 1 EUR = 70.68 PHP (100 PHP = 1.41 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Jhelum Cebu 5,700 km ≈ 8 h nonstop flight

From you

Jhelum
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

Jhelum vs Cebu: Cost of Living - Frequently Asked Questions

Jhelum is about 58% cheaper overall, especially in groceries, eating out, and clothing. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $598 in Jhelum and $1,415 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: $137 in Jhelum versus $495 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $399 per month in Jhelum versus $943 in Cebu – Jhelum is about 58% cheaper, which adds up to real savings over time.

A monthly transit pass in Jhelum runs roughly 20% less than in Cebu. The price difference matters if you commute daily and watch your budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Jhelum and Cebu are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Jhelum gentler on the wallet – expenses run 58% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.