Last update: Oct 2026

Cost of Living Comparison Between Karlovac and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,222 in Karlovac, rent and utilities included – about $3,600 less a year. Other living expenses account for most of the difference.

60

Cost of Living Index in Karlovac
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Karlovac Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,222 in Karlovac versus $918 in Cebu.

Karlovac $1,222
Cebu $918

Estimated couple costs with rent: $1,813 in Karlovac versus $1,409 in Cebu.

Karlovac $1,813
Cebu $1,409

Monthly costs for a family of three with rent: $2,404 in Karlovac versus $1,900 in Cebu.

Karlovac $2,404
Cebu $1,900

Living in Karlovac is roughly 33% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Karlovac 9% lower, Cebu 32% lower.

Meal at Budget Restaurant

$11.05 €9.83

$3.09 ₱194

257.61%

Three-Course Dinner for Two, Mid-Range

$44.01 €39.15

$24.22 ₱1,525

81.71%

Fast Food Meal (McDonalds, etc)

$7.86 €6.99

$3.92 ₱247

100.51%

Cappuccino

$1.98 €1.76

$2.51 ₱158

-21.12%

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

$2.43 €2.16

$1.59 ₱100

52.83%

Water (0.33 liter bottle)

$1.60 €1.42

$0.53 ₱33.43

201.89%

Local Beer (0.5 liter draught)

$2.51 €2.23

$1.78 ₱112

41.01%

Imported Beer (0.33 liter bottle)

$2.53 €2.25

$2.17 ₱137

16.59%

Milk (1 liter)

$1.13 €1.00

$1.92 ₱121

-41.15%

White Bread (500g)

$1.16 €1.03

$1.36 ₱85.4

-14.71%

Rice (white) (1kg)

$1.55 €1.38

$1.01 ₱63.5

53.47%

Eggs

$3.14 €2.79

$2.03 ₱128

54.68%

Local Cheese (1kg)

$9.27 €8.25

$9.86 ₱621

-5.98%

Chicken Fillets (1kg)

$9.70 €8.62

$4.39 ₱277

120.96%

Beef Round Steak (1kg)

$12.01 €10.68

$7.60 ₱479

58.03%

Apples (1kg)

$1.98 €1.76

$3.30 ₱208

-40.00%

Banana (1kg)

$1.86 €1.65

$1.39 ₱87.8

33.81%

Oranges (1kg)

$1.84 €1.64

$2.33 ₱147

-21.03%

Tomato (1kg)

$2.03 €1.81

$1.50 ₱94.3

35.33%

Potato (1kg)

$1.44 €1.28

$2.36 ₱149

-38.98%

Onion (1kg)

$1.07 €0.95

$1.90 ₱119

-43.68%

Lettuce (1 head)

$1.68 €1.50

$1.19 ₱74.9

41.18%

Water (1.5 liter bottle)

$1.16 €1.03

$0.63 ₱39.71

84.13%

Cigarettes 20 Pack (Marlboro, Camel)

$5.42 €4.82

$3.00 ₱189

80.67%

Wine (Bottle)

$6.81 €6.06

$6.03 ₱379

12.94%

Local Beer (0.5 liter bottle)

$1.62 €1.44

$1.23 ₱77.7

31.71%

Imported Beer (0.33 liter bottle)

$2.19 €1.95

$1.75 ₱110

25.14%

One-way Ticket (Public Transport)

$3.37 €2.99

$0.25 ₱15.86

1248.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$5.56 €4.94

$0.77 ₱48.62

622.08%

Taxi (Normal Tariff) (1km)

$1.13 €1.01

$0.23 ₱14.53

391.30%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.75 €1.56

$1.31 ₱82.8

33.59%

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

$25.9K €23.0K

$21.2K ₱1.3M

21.87%

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

$24.7K €22.0K

$19.1K ₱1.2M

29.24%

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

$178 €159

$120 ₱7,569

48.36%

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

$26.88 €23.91

$14.00 ₱882

92.00%

Internet (50+ Mbps, Unlimited Data)

$39.18 €34.85

$27.54 ₱1,734

42.27%

Gym Membership (Monthly)

$37.71 €33.55

$32.33 ₱2,035

16.64%

Tennis Court (1 Hour on Weekend)

$18.68 €16.61

$6.65 ₱419

180.90%

Cinema Ticket

$6.65 €5.91

$5.65 ₱356

17.70%

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

$421 €375

$275 ₱17.3K

53.03%

International Primary School, 1 Child (Yearly)

$6,713 €5,971

$7,918 ₱498.5K

-15.22%

Jeans (Levis 501 Or Similar)

$87.9 €78.2

$49.33 ₱3,106

78.27%

Summer Dress (H&M, Zara, etc)

$50.9 €45.28

$25.24 ₱1,589

101.70%

Sport Shoes (Adidas, Nike)

$87.6 €77.9

$77.0 ₱4,846

13.80%

Men's Leather Business Shoes

$77.3 €68.7

$57.2 ₱3,601

35.07%

1-bedroom Apartment, City Center (Monthly)

$487 €433

$500 ₱31.5K

-2.51%

1-bedroom Apartment, Outside City Center (Monthly)

$350 €311

$309 ₱19.4K

13.39%

3-bedroom Apartment, City Center (Monthly)

$714 €635

$1,078 ₱67.9K

-33.80%

3-bedroom Apartment, Outside City Center (Monthly)

$521 €463

$615 ₱38.7K

-15.31%

Buy Apartment in City Center (m2)

$2,765 €2,460

$2,886 ₱181.7K

-4.18%

Buy Apartment Outside City Center (m2)

$2,459 €2,188

$1,917 ₱120.7K

28.32%

Average Monthly Net Salary (After Tax)

$1,392 €1,238

$346 ₱21.8K

302.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

7.2

-48.33%

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

Last update for Karlovac: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Karlovac

$350 28.7%

Cebu

$309 33.6% 11.8% $41

Groceries & Markets

Karlovac

$246 20.1%

Cebu

$206 22.4% 16.2% $40

Monthly Utilities & Internet

Karlovac

$244 20%

Cebu

$162 17.6% 33.8% $83

Eating Out

Karlovac

$169 13.9%

Cebu

$88 9.6% 47.9% $81

Clothing & Footwear

Karlovac

$137 11.2%

Cebu

$94 10.2% 31.3% $43

Sport & Entertainment

Karlovac

$51 4.2%

Cebu

$44 4.8% 14.5% $7.4

Getting Around

Karlovac

$25 * 2%

Cebu

$16 1.7% 36.9% $9.1

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 $487 in Karlovac and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Karlovac pays 302% 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: $44.00 in Karlovac vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $246 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Karlovac

🇵🇭 Cebu

🕒 Local time

06:09 6:09 AM

12:09 12:09 PM

6 h ahead of Karlovac

🌤 Weather

👥 Population

41,869

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

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Between locations

Karlovac Cebu 10,580 km ≈ 14 h nonstop flight

From you

Karlovac
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

Karlovac vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 33% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 302% higher in Karlovac, 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: $487 in Karlovac versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 19% higher in Karlovac. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,222 per month in Karlovac versus $918 in Cebu – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,222 in Karlovac, a $1,500 budget is realistic in Cebu but tight or insufficient in Karlovac. 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 Karlovac, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Karlovac 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 33% less than in Karlovac. Beyond cost, consider language, visa policies, and how big the international community is in each city.