Last update: Oct 2026

Cost of Living Comparison Between Karmiel and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,657 in Karmiel, rent and utilities included – about $8,900 less a year. The total is higher in Karmiel despite lower rent and utilities.

145

Cost of Living Index in Karmiel
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Karmiel Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Karmiel

🇮🇱 Israel

$1,657

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,657 in Karmiel versus $918 in Cebu.

Karmiel $1,657
Cebu $918

Estimated couple costs with rent: $2,632 in Karmiel versus $1,409 in Cebu.

Karmiel $2,632
Cebu $1,409

Monthly costs for a family of three with rent: $3,607 in Karmiel versus $1,900 in Cebu.

Karmiel $3,607
Cebu $1,900

Living in Karmiel is roughly 81% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Karmiel is 23% above, Cebu is 32% below.

Meal at Budget Restaurant

$25.85 ₪80.4

$3.09 ₱194

736.57%

Three-Course Dinner for Two, Mid-Range

$92.3 ₪287

$24.22 ₱1,525

281.05%

Fast Food Meal (McDonalds, etc)

$20.07 ₪62.4

$3.92 ₱247

411.99%

Cappuccino

$4.56 ₪14.19

$2.51 ₱158

81.67%

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

$3.97 ₪12.34

$1.59 ₱100

149.69%

Water (0.33 liter bottle)

$2.72 ₪8.45

$0.53 ₱33.43

413.21%

Local Beer (0.5 liter draught)

$9.54 ₪29.67

$1.78 ₱112

435.96%

Imported Beer (0.33 liter bottle)

$9.90 ₪30.79

$2.17 ₱137

356.22%

Milk (1 liter)

$2.65 ₪8.26

$1.92 ₱121

38.02%

White Bread (500g)

$5.56 ₪17.29

$1.36 ₱85.4

308.82%

Rice (white) (1kg)

$3.38 ₪10.52

$1.01 ₱63.5

234.65%

Eggs

$4.61 ₪14.34

$2.03 ₱128

127.09%

Local Cheese (1kg)

$13.23 ₪41.16

$9.86 ₱621

34.18%

Chicken Fillets (1kg)

$19.23 ₪59.8

$4.39 ₱277

338.04%

Beef Round Steak (1kg)

$26.12 ₪81.3

$7.60 ₱479

243.68%

Apples (1kg)

$6.71 ₪20.89

$3.30 ₱208

103.33%

Banana (1kg)

$3.18 ₪9.90

$1.39 ₱87.8

128.78%

Oranges (1kg)

$3.00 ₪9.33

$2.33 ₱147

28.76%

Tomato (1kg)

$3.24 ₪10.07

$1.50 ₱94.3

116.00%

Potato (1kg)

$2.08 ₪6.48

$2.36 ₱149

-11.86%

Onion (1kg)

$1.71 ₪5.31

$1.90 ₱119

-10.00%

Lettuce (1 head)

$2.38 ₪7.42

$1.19 ₱74.9

100.00%

Water (1.5 liter bottle)

$2.45 ₪7.64

$0.63 ₱39.71

288.89%

Cigarettes 20 Pack (Marlboro, Camel)

$9.87 ₪30.71

$3.00 ₱189

229.00%

Wine (Bottle)

$13.27 ₪41.29

$6.03 ₱379

120.07%

Local Beer (0.5 liter bottle)

$4.62 ₪14.36

$1.23 ₱77.7

275.61%

Imported Beer (0.33 liter bottle)

$4.22 ₪13.13

$1.75 ₱110

141.14%

One-way Ticket (Public Transport)

$2.63 ₪8.18

$0.25 ₱15.86

952.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$8.22 ₪25.56

$0.77 ₱48.62

967.53%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$2.45 ₪7.64

$1.31 ₱82.8

87.02%

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

$57.3K ₪178.4K

$21.2K ₱1.3M

169.95%

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

$59.0K ₪183.7K

$19.1K ₱1.2M

208.40%

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

$342 ₪1,064

$120 ₱7,569

184.42%

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

$12.05 ₪37.50

$14.00 ₱882

-13.93%

Internet (50+ Mbps, Unlimited Data)

$47.94 ₪149

$27.54 ₱1,734

74.07%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$16.18 ₪50.3

$5.65 ₱356

186.37%

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

$1,608 ₪5,002

$275 ₱17.3K

483.97%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

Jeans (Levis 501 Or Similar)

$103 ₪322

$49.33 ₱3,106

109.61%

Summer Dress (H&M, Zara, etc)

$65.9 ₪205

$25.24 ₱1,589

161.01%

Sport Shoes (Adidas, Nike)

$174 ₪540

$77.0 ₱4,846

125.53%

Men's Leather Business Shoes

$262 ₪814

$57.2 ₱3,601

357.64%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$2,587 ₪8,048

$346 ₱21.8K

647.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.05

7.2

-29.86%

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

Last update for Karmiel: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Karmiel

$516 31.1%

Cebu

$206 22.4% 60.1% $310

Eating Out

Karmiel

$416 25.1%

Cebu

$88 9.6% 78.8% $328

Monthly Utilities & Internet

Karmiel

$402 24.3%

Cebu

$162 17.6% 59.8% $240

Clothing & Footwear

Karmiel

$272 16.4%

Cebu

$94 10.2% 65.5% $178

Sport & Entertainment

Karmiel

$32 * 2%

Cebu

$44 4.8% 34.8% $11

Getting Around

Karmiel

$19 * 1.1%

Cebu

$16 1.7% 16.9% $3.2

Accommodation & Living

Karmiel

- * 0%

Cebu

$309 33.6%

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

Cost Breakdown

Karmiel pays 648% 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: $92.0 in Karmiel vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $516 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇱 Karmiel

🇵🇭 Cebu

🕒 Local time

05:45 5:45 AM

10:45 10:45 AM

5 h ahead of Karmiel

🌤 Weather

👥 Population

53,736

964,169

💱 Currency

Israeli New Shekel ILS ₪

Philippine Peso PHP ₱

📈 Exchange rate

1 ILS = 0.321 USD

1 ILS = 0.286 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to ILS – Israeli New Shekel Converter

🇺🇸 United States Dollar ($)

🇮🇱 Israeli New Shekel (₪)

Israeli New Shekel exchange rates as of October 18, 2026: 1 USD = 3.11 ILS (1 ILS = 0.321 USD). 1 EUR = 3.5 ILS (1 ILS = 0.286 EUR).

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 ILS in detail →

On the map

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Highest

Between locations

Karmiel Cebu 9,260 km ≈ 12 h nonstop flight

From you

Karmiel
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

Karmiel vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 81% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 648% higher in Karmiel, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Supermarket bills run roughly 151% higher in Karmiel. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,657 per month in Karmiel versus $918 in Cebu – a 81% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,657 in Karmiel, a $1,500 budget is realistic in Cebu but tight or insufficient in Karmiel. 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 Karmiel, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Karmiel 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 81% less than in Karmiel. Beyond cost, consider language, visa policies, and how big the international community is in each city.