Last update: Oct 2026

Cost of Living Comparison Between Karmøy and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,641 in Karmøy, rent and utilities included – about $20,500 less a year. Rent and utilities account for about half of the difference.

132

Cost of Living Index in Karmøy
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Karmøy Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Karmøy

🇳🇴 Norway

$2,641

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,641 in Karmøy versus $934 in Cebu.

Karmøy $2,641
Cebu $934

Estimated couple costs with rent: $4,032 in Karmøy versus $1,423 in Cebu.

Karmøy $4,032
Cebu $1,423

Monthly costs for a family of three with rent: $5,423 in Karmøy versus $1,913 in Cebu.

Karmøy $5,423
Cebu $1,913

Living in Karmøy is roughly 183% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Karmøy is 94% above, Cebu is 31% below.

Meal at Budget Restaurant

$21.23 NOK 197

$3.79 ₱242

460.16%

Three-Course Dinner for Two, Mid-Range

$122 NOK 1,135

$23.33 ₱1,491

423.70%

Fast Food Meal (McDonalds, etc)

$16.23 NOK 151

$3.94 ₱252

311.93%

Cappuccino

$6.16 NOK 57.3

$2.54 ₱163

142.52%

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

$3.80 NOK 35.34

$1.57 ₱100

142.04%

Water (0.33 liter bottle)

$2.91 NOK 27.02

$0.47 ₱29.82

519.15%

Local Beer (0.5 liter draught)

$11.67 NOK 108

$1.77 ₱113

559.32%

Imported Beer (0.33 liter bottle)

$11.22 NOK 104

$2.22 ₱142

405.41%

Milk (1 liter)

$2.32 NOK 21.55

$1.90 ₱121

22.11%

White Bread (500g)

$3.87 NOK 35.94

$1.36 ₱87.1

184.56%

Rice (white) (1kg)

$3.37 NOK 31.29

$0.94 ₱59.8

258.51%

Eggs

$4.39 NOK 40.75

$1.99 ₱127

120.60%

Local Cheese (1kg)

$12.31 NOK 114

$9.70 ₱620

26.91%

Chicken Fillets (1kg)

$15.45 NOK 144

$4.32 ₱276

257.64%

Beef Round Steak (1kg)

$29.85 NOK 277

$7.51 ₱480

297.47%

Apples (1kg)

$3.29 NOK 30.53

$3.31 ₱211

-0.60%

Banana (1kg)

$2.37 NOK 22.03

$1.37 ₱87.5

72.99%

Oranges (1kg)

$3.05 NOK 28.29

$2.34 ₱149

30.34%

Tomato (1kg)

$4.55 NOK 42.32

$1.49 ₱95.4

205.37%

Potato (1kg)

$2.51 NOK 23.35

$2.30 ₱147

9.13%

Onion (1kg)

$3.00 NOK 27.91

$1.87 ₱120

60.43%

Lettuce (1 head)

$3.44 NOK 31.92

$1.10 ₱70.3

212.73%

Water (1.5 liter bottle)

$2.49 NOK 23.13

$0.63 ₱40.36

295.24%

Cigarettes 20 Pack (Marlboro, Camel)

$20.07 NOK 186

$2.86 ₱183

601.75%

Wine (Bottle)

$17.00 NOK 158

$6.08 ₱389

179.61%

Local Beer (0.5 liter bottle)

$3.89 NOK 36.11

$1.27 ₱81.4

206.30%

Imported Beer (0.33 liter bottle)

$4.95 NOK 45.99

$1.72 ₱110

187.79%

One-way Ticket (Public Transport)

$4.66 NOK 43.32

$0.22 ₱13.99

2018.18%

Public Transport Monthly Pass (Regular Price)

$84.3 NOK 783

$12.34 ₱788

582.82%

Taxi Start (Normal Tariff)

$13.42 NOK 125

$0.74 ₱47.53

1713.51%

Taxi (Normal Tariff) (1km)

$1.84 NOK 17.09

$0.22 ₱14.08

736.36%

Taxi 1hour Waiting (Normal Tariff)

$63.7 NOK 592

$4.28 ₱273

1388.32%

Gasoline (1 liter)

$2.52 NOK 23.41

$1.31 ₱83.7

92.37%

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

$50.9K NOK 472.5K

$20.8K ₱1.3M

144.93%

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

$41.1K NOK 381.6K

$19.0K ₱1.2M

115.65%

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

$243 NOK 2,259

$118 ₱7,565

105.39%

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

$30.54 NOK 284

$15.76 ₱1,007

93.78%

Internet (50+ Mbps, Unlimited Data)

$46.76 NOK 434

$28.33 ₱1,810

65.05%

Gym Membership (Monthly)

$49.24 NOK 457

$32.94 ₱2,105

49.48%

Tennis Court (1 Hour on Weekend)

$41.02 NOK 381

$6.49 ₱415

532.05%

Cinema Ticket

$16.70 NOK 155

$5.45 ₱348

206.42%

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

$259 NOK 2,405

$276 ₱17.6K

-6.10%

International Primary School, 1 Child (Yearly)

$12.2K NOK 113.3K

$7,789 ₱497.7K

56.55%

Jeans (Levis 501 Or Similar)

$96.0 NOK 892

$48.18 ₱3,078

99.23%

Summer Dress (H&M, Zara, etc)

$49.63 NOK 461

$24.47 ₱1,564

102.82%

Sport Shoes (Adidas, Nike)

$111 NOK 1,031

$75.3 ₱4,810

47.34%

Men's Leather Business Shoes

$154 NOK 1,429

$58.0 ₱3,707

165.06%

1-bedroom Apartment, City Center (Monthly)

$1,262 NOK 11.7K

$477 ₱30.5K

164.37%

1-bedroom Apartment, Outside City Center (Monthly)

$1,044 NOK 9,703

$322 ₱20.6K

224.55%

3-bedroom Apartment, City Center (Monthly)

$2,068 NOK 19.2K

$963 ₱61.5K

114.72%

3-bedroom Apartment, Outside City Center (Monthly)

$1,688 NOK 15.7K

$626 ₱40.0K

169.71%

Buy Apartment in City Center (m2)

$6,242 NOK 58.0K

$4,551 ₱290.8K

37.15%

Buy Apartment Outside City Center (m2)

$4,136 NOK 38.4K

$3,028 ₱193.5K

36.58%

Average Monthly Net Salary (After Tax)

$4,114 NOK 38.2K

$333 ₱21.3K

1133.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

7.2

-31.39%

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

Last update for Karmøy: October 27, 2026

Last update for Cebu: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Karmøy

$1K 39.6%

Cebu

$322 34.5% 69.2% $723

Groceries & Markets

Karmøy

$483 18.3%

Cebu

$204 21.8% 57.8% $279

Eating Out

Karmøy

$400 15.2%

Cebu

$94 10.1% 76.5% $306

Monthly Utilities & Internet

Karmøy

$321 12.1%

Cebu

$163 17.4% 49.3% $158

Clothing & Footwear

Karmøy

$185 7%

Cebu

$93 9.9% 49.8% $92

Getting Around

Karmøy

$126 4.8%

Cebu

$15 1.6% 88% $110

Sport & Entertainment

Karmøy

$83 3.1%

Cebu

$44 4.7% 46.9% $39

Cost Breakdown

A one-bedroom apartment in the center runs $1,262 in Karmøy and $477 in Cebu. Housing cost is often the main lever when comparing two cities.

Karmøy pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $122 in Karmøy vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $483 vs $204 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Karmøy

🇵🇭 Cebu

🕒 Local time

14:53 2:53 PM

21:53 9:53 PM

7 h ahead of Karmøy

🌤 Weather

👥 Population

43,404

964,169

💱 Currency

Norwegian Krone NOK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 NOK = 10.76 USD

100 NOK = 9.67 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 28, 2026: 1 USD = 9.29 NOK (1 NOK = 0.108 USD). 1 EUR = 10.34 NOK (100 NOK = 9.67 EUR).

Philippine Peso exchange rates as of October 28, 2026: 1 USD = 63.89 PHP (100 PHP = 1.57 USD). 1 EUR = 71.11 PHP (100 PHP = 1.41 EUR).

USD to NOK in detail →

On the map

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Highest

Between locations

Karmøy Cebu 10,570 km ≈ 14 h nonstop flight

From you

Karmøy
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

Karmøy vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and transport. The 183% gap adds up to real monthly savings that compound significantly over time.

Average pay in Karmøy is about 12 times higher, 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: $1,262 in Karmøy versus $477 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,641 per month in Karmøy versus $934 in Cebu – a 183% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 85% less than in Karmøy. Both cities have functional networks, but the price difference matters if you’re watching 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, Karmøy 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 65% less than in Karmøy. Beyond cost, consider language, visa policies, and how big the international community is in each city.