Last update: Oct 2026

Cost of Living Comparison Between Kempten and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,998 in Kempten, rent and utilities included – about $13,000 less a year. Rent and utilities account for about half of the difference.

97

Cost of Living Index in Kempten
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Kempten Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Kempten

🇩🇪 Germany

$1,998

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,998 in Kempten versus $918 in Cebu.

Kempten $1,998
Cebu $918

Estimated couple costs with rent: $2,974 in Kempten versus $1,409 in Cebu.

Kempten $2,974
Cebu $1,409

Monthly costs for a family of three with rent: $3,951 in Kempten versus $1,900 in Cebu.

Kempten $3,951
Cebu $1,900

Living in Kempten is roughly 118% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kempten is 48% above, Cebu is 32% below.

Meal at Budget Restaurant

$17.82 €15.85

$3.09 ₱194

476.70%

Three-Course Dinner for Two, Mid-Range

$57.1 €50.8

$24.22 ₱1,525

135.88%

Fast Food Meal (McDonalds, etc)

$9.75 €8.67

$3.92 ₱247

148.72%

Cappuccino

$4.16 €3.70

$2.51 ₱158

65.74%

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

$2.86 €2.54

$1.59 ₱100

79.87%

Water (0.33 liter bottle)

$2.33 €2.07

$0.53 ₱33.43

339.62%

Local Beer (0.5 liter draught)

$4.82 €4.29

$1.78 ₱112

170.79%

Imported Beer (0.33 liter bottle)

$3.44 €3.06

$2.17 ₱137

58.53%

Milk (1 liter)

$1.33 €1.19

$1.92 ₱121

-30.73%

White Bread (500g)

$2.25 €2.00

$1.36 ₱85.4

65.44%

Rice (white) (1kg)

$3.14 €2.80

$1.01 ₱63.5

210.89%

Eggs

$4.58 €4.07

$2.03 ₱128

125.62%

Local Cheese (1kg)

$16.33 €14.53

$9.86 ₱621

65.62%

Chicken Fillets (1kg)

$12.94 €11.51

$4.39 ₱277

194.76%

Beef Round Steak (1kg)

$16.68 €14.84

$7.60 ₱479

119.47%

Apples (1kg)

$2.38 €2.11

$3.30 ₱208

-27.88%

Banana (1kg)

$1.46 €1.30

$1.39 ₱87.8

5.04%

Oranges (1kg)

$1.54 €1.37

$2.33 ₱147

-33.91%

Tomato (1kg)

$3.85 €3.42

$1.50 ₱94.3

156.67%

Potato (1kg)

$1.39 €1.24

$2.36 ₱149

-41.10%

Onion (1kg)

$1.43 €1.27

$1.90 ₱119

-24.74%

Lettuce (1 head)

$1.51 €1.34

$1.19 ₱74.9

26.89%

Water (1.5 liter bottle)

$0.55 €0.49

$0.63 ₱39.71

-12.70%

Cigarettes 20 Pack (Marlboro, Camel)

$9.18 €8.17

$3.00 ₱189

206.00%

Wine (Bottle)

$5.50 €4.89

$6.03 ₱379

-8.79%

Local Beer (0.5 liter bottle)

$1.02 €0.90

$1.23 ₱77.7

-17.07%

Imported Beer (0.33 liter bottle)

$1.15 €1.02

$1.75 ₱110

-34.29%

One-way Ticket (Public Transport)

$3.18 €2.83

$0.25 ₱15.86

1172.00%

Public Transport Monthly Pass (Regular Price)

$59.9 €53.3

$12.64 ₱796

373.97%

Taxi Start (Normal Tariff)

$4.69 €4.17

$0.77 ₱48.62

509.09%

Taxi (Normal Tariff) (1km)

$2.83 €2.52

$0.23 ₱14.53

1130.43%

Taxi 1hour Waiting (Normal Tariff)

$40.57 €36.08

$4.46 ₱281

809.64%

Gasoline (1 liter)

$2.09 €1.86

$1.31 ₱82.8

59.54%

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

$33.2K €29.5K

$21.2K ₱1.3M

56.31%

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

$34.1K €30.3K

$19.1K ₱1.2M

78.00%

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

$318 €283

$120 ₱7,569

164.36%

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

$17.53 €15.59

$14.00 ₱882

25.21%

Internet (50+ Mbps, Unlimited Data)

$42.07 €37.42

$27.54 ₱1,734

52.76%

Gym Membership (Monthly)

$56.5 €50.3

$32.33 ₱2,035

74.85%

Tennis Court (1 Hour on Weekend)

$25.76 €22.91

$6.65 ₱419

287.37%

Cinema Ticket

$13.11 €11.66

$5.65 ₱356

132.04%

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

$316 €281

$275 ₱17.3K

14.86%

International Primary School, 1 Child (Yearly)

$17.6K €15.6K

$7,918 ₱498.5K

121.65%

Jeans (Levis 501 Or Similar)

$87.4 €77.8

$49.33 ₱3,106

77.21%

Summer Dress (H&M, Zara, etc)

$43.16 €38.39

$25.24 ₱1,589

71.00%

Sport Shoes (Adidas, Nike)

$97.0 €86.3

$77.0 ₱4,846

26.05%

Men's Leather Business Shoes

$144 €128

$57.2 ₱3,601

150.96%

1-bedroom Apartment, City Center (Monthly)

$880 €783

$500 ₱31.5K

76.13%

1-bedroom Apartment, Outside City Center (Monthly)

$691 €615

$309 ₱19.4K

123.90%

3-bedroom Apartment, City Center (Monthly)

$1,542 €1,372

$1,078 ₱67.9K

43.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,217 €1,083

$615 ₱38.7K

97.86%

Buy Apartment in City Center (m2)

$6,050 €5,382

$2,886 ₱181.7K

109.64%

Buy Apartment Outside City Center (m2)

$4,896 €4,355

$1,917 ₱120.7K

155.47%

Average Monthly Net Salary (After Tax)

$3,849 €3,424

$346 ₱21.8K

1012.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.6

7.2

-63.89%

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

Last update for Kempten: 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

Kempten

$691 34.6%

Cebu

$309 33.6% 55.3% $383

Monthly Utilities & Internet

Kempten

$377 18.9%

Cebu

$162 17.6% 57.1% $216

Groceries & Markets

Kempten

$315 15.7%

Cebu

$206 22.4% 34.6% $109

Eating Out

Kempten

$273 13.7%

Cebu

$88 9.6% 67.7% $185

Clothing & Footwear

Kempten

$167 8.4%

Cebu

$94 10.2% 43.8% $73

Getting Around

Kempten

$91 4.6%

Cebu

$16 1.7% 83% $76

Sport & Entertainment

Kempten

$83 4.1%

Cebu

$44 4.8% 47.3% $39

Cost Breakdown

A one-bedroom apartment in the center runs $880 in Kempten and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kempten pays 1013% 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: $57.0 in Kempten vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $315 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇩🇪 Kempten

🇵🇭 Cebu

🕒 Local time

06:10 6:10 AM

12:10 12:10 PM

6 h ahead of Kempten

🌤 Weather

👥 Population

61,399

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

Kempten Cebu 10,850 km ≈ 14 h nonstop flight

From you

Kempten
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

Kempten vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 118% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1013% higher in Kempten, 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: $880 in Kempten versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,998 per month in Kempten versus $918 in Cebu – a 118% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 374% less than in Kempten. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,998 in Kempten, a $1,500 budget is realistic in Cebu but tight or insufficient in Kempten. 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 Kempten, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kempten 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 118% less than in Kempten. Beyond cost, consider language, visa policies, and how big the international community is in each city.