Last update: Oct 2026

Cost of Living Comparison Between Kefalonia and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,551 in Kefalonia, rent and utilities included – about $7,600 less a year. Other living expenses account for most of the difference.

76

Cost of Living Index in Kefalonia
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Kefalonia Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Kefalonia

🇬🇷 Greece

$1,551

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,551 in Kefalonia versus $915 in Cebu.

Kefalonia $1,551
Cebu $915

Estimated couple costs with rent: $2,322 in Kefalonia versus $1,418 in Cebu.

Kefalonia $2,322
Cebu $1,418

Monthly costs for a family of three with rent: $3,092 in Kefalonia versus $1,921 in Cebu.

Kefalonia $3,092
Cebu $1,921

Living in Kefalonia is roughly 70% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kefalonia is 14% above, Cebu is 33% below.

Meal at Budget Restaurant

$14.80 €13.16

$3.05 ₱192

385.25%

Three-Course Dinner for Two, Mid-Range

$38.73 €34.45

$24.00 ₱1,511

61.37%

Fast Food Meal (McDonalds, etc)

$10.23 €9.10

$3.99 ₱251

156.39%

Cappuccino

$3.14 €2.79

$2.50 ₱157

25.60%

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

$3.44 €3.06

$1.54 ₱97.1

123.38%

Water (0.33 liter bottle)

$0.61 €0.54

$0.50 ₱31.37

22.00%

Local Beer (0.5 liter draught)

$4.68 €4.16

$1.78 ₱112

162.92%

Imported Beer (0.33 liter bottle)

$5.38 €4.79

$2.17 ₱136

147.93%

Milk (1 liter)

$1.55 €1.38

$2.00 ₱126

-22.50%

White Bread (500g)

$1.39 €1.24

$1.37 ₱86.2

1.46%

Rice (white) (1kg)

$2.58 €2.30

$1.03 ₱64.9

150.49%

Eggs

$4.69 €4.17

$2.03 ₱128

131.03%

Local Cheese (1kg)

$13.39 €11.91

$10.20 ₱642

31.27%

Chicken Fillets (1kg)

$9.56 €8.51

$4.45 ₱280

114.83%

Beef Round Steak (1kg)

$14.16 €12.59

$7.67 ₱483

84.62%

Apples (1kg)

$2.18 €1.94

$3.31 ₱208

-34.14%

Banana (1kg)

$2.09 €1.86

$1.46 ₱91.8

43.15%

Oranges (1kg)

$1.38 €1.22

$2.32 ₱146

-40.52%

Tomato (1kg)

$2.01 €1.79

$1.49 ₱94.0

34.90%

Potato (1kg)

$1.12 €0.99

$2.34 ₱147

-52.14%

Onion (1kg)

$1.12 €1.00

$1.94 ₱122

-42.27%

Lettuce (1 head)

$1.09 €0.97

$1.16 ₱73.0

-6.03%

Water (1.5 liter bottle)

$0.87 €0.78

$0.68 ₱42.89

27.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.26 €4.68

$2.99 ₱188

75.92%

Wine (Bottle)

$6.71 €5.97

$6.24 ₱393

7.53%

Local Beer (0.5 liter bottle)

$2.58 €2.30

$1.23 ₱77.3

109.76%

Imported Beer (0.33 liter bottle)

$2.53 €2.25

$1.73 ₱109

46.24%

One-way Ticket (Public Transport)

$1.37 €1.22

$0.23 ₱14.36

495.65%

Public Transport Monthly Pass (Regular Price)

$45.22 €40.23

$12.34 ₱777

266.45%

Taxi Start (Normal Tariff)

$4.20 €3.73

$0.79 ₱49.96

431.65%

Taxi (Normal Tariff) (1km)

$1.11 €0.99

$0.22 ₱13.86

404.55%

Taxi 1hour Waiting (Normal Tariff)

$16.11 €14.33

$4.54 ₱286

254.85%

Gasoline (1 liter)

$1.99 €1.77

$1.32 ₱82.9

50.76%

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

$27.6K €24.6K

$21.0K ₱1.3M

31.48%

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

$25.0K €22.2K

$19.4K ₱1.2M

28.89%

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

$277 €246

$119 ₱7,464

133.49%

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

$23.48 €20.89

$14.22 ₱896

65.12%

Internet (50+ Mbps, Unlimited Data)

$30.05 €26.73

$27.47 ₱1,730

9.39%

Gym Membership (Monthly)

$50.7 €45.08

$32.31 ₱2,034

56.86%

Tennis Court (1 Hour on Weekend)

$24.90 €22.15

$6.50 ₱409

283.08%

Cinema Ticket

$9.15 €8.14

$5.40 ₱340

69.44%

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

$427 €380

$276 ₱17.4K

54.63%

International Primary School, 1 Child (Yearly)

$7,666 €6,819

$7,866 ₱495.3K

-2.54%

Jeans (Levis 501 Or Similar)

$88.7 €78.9

$49.37 ₱3,108

79.68%

Summer Dress (H&M, Zara, etc)

$40.31 €35.85

$24.58 ₱1,548

64.00%

Sport Shoes (Adidas, Nike)

$93.9 €83.5

$76.6 ₱4,825

22.53%

Men's Leather Business Shoes

$120 €107

$58.9 ₱3,706

103.50%

1-bedroom Apartment, City Center (Monthly)

$527 €469

$503 ₱31.7K

4.76%

1-bedroom Apartment, Outside City Center (Monthly)

$420 €374

$305 ₱19.2K

37.90%

3-bedroom Apartment, City Center (Monthly)

$1,093 €972

$1,075 ₱67.7K

1.68%

3-bedroom Apartment, Outside City Center (Monthly)

$786 €699

$632 ₱39.8K

24.34%

Buy Apartment in City Center (m2)

$2,638 €2,347

$2,870 ₱180.7K

-8.07%

Buy Apartment Outside City Center (m2)

$2,187 €1,946

$1,877 ₱118.2K

16.53%

Average Monthly Net Salary (After Tax)

$1,095 €974

$336 ₱21.1K

225.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.46

7.2

-38.06%

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

Last update for Kefalonia: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Kefalonia

$420 27.1%

Cebu

$305 33.3% 27.5% $115

Monthly Utilities & Internet

Kefalonia

$330 21.3%

Cebu

$160 17.5% 51.5% $170

Groceries & Markets

Kefalonia

$280 18.1%

Cebu

$210 22.9% 25.1% $70

Eating Out

Kefalonia

$237 15.3%

Cebu

$88 9.6% 63% $149

Clothing & Footwear

Kefalonia

$154 9.9%

Cebu

$94 10.3% 38.9% $60

Sport & Entertainment

Kefalonia

$69 4.5%

Cebu

$43 4.7% 37.5% $26

Getting Around

Kefalonia

$60 3.9%

Cebu

$15 1.7% 74.9% $45

Cost Breakdown

A one-bedroom apartment in the center runs $527 in Kefalonia and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Kefalonia pays 226% 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: $39.00 in Kefalonia vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $280 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇷 Kefalonia

🇵🇭 Cebu

🕒 Local time

21:27 9:27 PM

02:27 2:27 AM

5 h ahead of Kefalonia

🌤 Weather

👥 Population

36,404

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 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 20, 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

Kefalonia Cebu 10,440 km ≈ 14 h nonstop flight

From you

Kefalonia
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

Kefalonia vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 70% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 226% higher in Kefalonia, 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: $527 in Kefalonia versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,551 per month in Kefalonia versus $915 in Cebu – a 70% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 266% less than in Kefalonia. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,551 in Kefalonia, a $1,500 budget is realistic in Cebu but tight or insufficient in Kefalonia. 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 Kefalonia, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kefalonia 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 70% less than in Kefalonia. Beyond cost, consider language, visa policies, and how big the international community is in each city.