Last update: Oct 2026

Cost of Living Comparison Between Kettering and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,921 in Kettering, rent and utilities included – about $12,000 less a year. Rent and utilities account for most of the difference.

94

Cost of Living Index in Kettering
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Kettering Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Kettering

🇬🇧 United Kingdom

$1,921

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,921 in Kettering versus $918 in Cebu.

Kettering $1,921
Cebu $918

Estimated couple costs with rent: $2,555 in Kettering versus $1,409 in Cebu.

Kettering $2,555
Cebu $1,409

Monthly costs for a family of three with rent: $3,189 in Kettering versus $1,900 in Cebu.

Kettering $3,189
Cebu $1,900

Living in Kettering is roughly 109% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kettering is 42% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.80 £14.86

$3.09 ₱194

540.78%

Three-Course Dinner for Two, Mid-Range

$80.4 £60.3

$24.22 ₱1,525

231.87%

Fast Food Meal (McDonalds, etc)

$10.75 £8.07

$3.92 ₱247

174.23%

Cappuccino

$4.59 £3.44

$2.51 ₱158

82.87%

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

$2.10 £1.58

$1.59 ₱100

32.08%

Water (0.33 liter bottle)

$1.53 £1.15

$0.53 ₱33.43

188.68%

Local Beer (0.5 liter draught)

$5.75 £4.31

$1.78 ₱112

223.03%

Imported Beer (0.33 liter bottle)

$5.35 £4.01

$2.17 ₱137

146.54%

Milk (1 liter)

$1.44 £1.08

$1.92 ₱121

-25.00%

White Bread (500g)

$1.76 £1.32

$1.36 ₱85.4

29.41%

Rice (white) (1kg)

$2.71 £2.03

$1.01 ₱63.5

168.32%

Eggs

$3.98 £2.99

$2.03 ₱128

96.06%

Local Cheese (1kg)

$9.01 £6.76

$9.86 ₱621

-8.62%

Chicken Fillets (1kg)

$7.54 £5.66

$4.39 ₱277

71.75%

Beef Round Steak (1kg)

$16.40 £12.30

$7.60 ₱479

115.79%

Apples (1kg)

$3.30 £2.48

$3.30 ₱208

Banana (1kg)

$1.54 £1.15

$1.39 ₱87.8

10.79%

Oranges (1kg)

$2.67 £2.01

$2.33 ₱147

14.59%

Tomato (1kg)

$3.16 £2.37

$1.50 ₱94.3

110.67%

Potato (1kg)

$1.21 £0.91

$2.36 ₱149

-48.73%

Onion (1kg)

$1.71 £1.28

$1.90 ₱119

-10.00%

Lettuce (1 head)

$1.21 £0.91

$1.19 ₱74.9

1.68%

Water (1.5 liter bottle)

$1.24 £0.93

$0.63 ₱39.71

96.83%

Cigarettes 20 Pack (Marlboro, Camel)

$23.65 £17.74

$3.00 ₱189

688.33%

Wine (Bottle)

$9.70 £7.28

$6.03 ₱379

60.86%

Local Beer (0.5 liter bottle)

$3.28 £2.46

$1.23 ₱77.7

166.67%

Imported Beer (0.33 liter bottle)

$2.39 £1.79

$1.75 ₱110

36.57%

One-way Ticket (Public Transport)

$2.59 £1.94

$0.25 ₱15.86

936.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$4.09 £3.07

$0.77 ₱48.62

431.17%

Taxi (Normal Tariff) (1km)

$1.59 £1.19

$0.23 ₱14.53

591.30%

Taxi 1hour Waiting (Normal Tariff)

$31.82 £23.87

$4.46 ₱281

613.45%

Gasoline (1 liter)

$2.00 £1.50

$1.31 ₱82.8

52.67%

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

$37.6K £28.2K

$21.2K ₱1.3M

76.77%

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

$41.0K £30.7K

$19.1K ₱1.2M

114.01%

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

$200 £150

$120 ₱7,569

66.41%

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

$16.23 £12.17

$14.00 ₱882

15.93%

Internet (50+ Mbps, Unlimited Data)

$43.94 £32.96

$27.54 ₱1,734

59.55%

Gym Membership (Monthly)

$39.72 £29.80

$32.33 ₱2,035

22.86%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$12.96 £9.73

$5.65 ₱356

129.38%

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

$1,503 £1,128

$275 ₱17.3K

446.07%

International Primary School, 1 Child (Yearly)

$22.3K £16.7K

$7,918 ₱498.5K

181.49%

Jeans (Levis 501 Or Similar)

$86.4 £64.8

$49.33 ₱3,106

75.05%

Summer Dress (H&M, Zara, etc)

$31.23 £23.43

$25.24 ₱1,589

23.73%

Sport Shoes (Adidas, Nike)

$73.9 £55.4

$77.0 ₱4,846

-4.04%

Men's Leather Business Shoes

$97.2 £72.9

$57.2 ₱3,601

69.88%

1-bedroom Apartment, City Center (Monthly)

$1,053 £790

$500 ₱31.5K

110.85%

1-bedroom Apartment, Outside City Center (Monthly)

$851 £638

$309 ₱19.4K

175.42%

3-bedroom Apartment, City Center (Monthly)

$1,071 £804

$1,078 ₱67.9K

-0.62%

3-bedroom Apartment, Outside City Center (Monthly)

$758 £569

$615 ₱38.7K

23.22%

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)

$4,330 £3,248

$346 ₱21.8K

1151.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.06

7.2

-29.72%

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

Last update for Kettering: 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

Kettering

$851 44.3%

Cebu

$309 33.6% 63.7% $542

Eating Out

Kettering

$300 15.6%

Cebu

$88 9.6% 70.6% $211

Groceries & Markets

Kettering

$292 15.2%

Cebu

$206 22.4% 29.6% $86

Monthly Utilities & Internet

Kettering

$260 13.6%

Cebu

$162 17.6% 37.8% $98

Clothing & Footwear

Kettering

$130 6.8%

Cebu

$94 10.2% 27.7% $36

Sport & Entertainment

Kettering

$66 3.4%

Cebu

$44 4.8% 33.6% $22

Getting Around

Kettering

$22 * 1.2%

Cebu

$16 1.7% 30.5% $6.8

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 $1,053 in Kettering and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kettering pays 1151% 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: $80.0 in Kettering vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $292 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Kettering

🇵🇭 Cebu

🕒 Local time

00:03 12:03 AM

07:03 7:03 AM

7 h ahead of Kettering

🌤 Weather

👥 Population

56,676

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 17, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GBP in detail →

On the map

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Between locations

Kettering Cebu 11,290 km ≈ 15 h nonstop flight

From you

Kettering
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

Kettering vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 109% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1151% higher in Kettering, 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: $1,053 in Kettering versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 42% higher in Kettering. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,921 per month in Kettering versus $918 in Cebu – a 109% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,921 in Kettering, a $1,500 budget is realistic in Cebu but tight or insufficient in Kettering. 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 Kettering, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kettering 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 109% less than in Kettering. Beyond cost, consider language, visa policies, and how big the international community is in each city.