Cost of Living Comparison Between Koh Phan Ghan and Cebu Cost of Living Comparison Between Koh Phan Ghan and Cebu

Monthly Cost of Living

Monthly costs for one person with rent: $1,096 in Koh Phan Ghan versus $873 in Cebu.

Estimated couple costs with rent: $1,945 in Koh Phan Ghan versus $1,326 in Cebu.

Monthly costs for a family of three with rent: $2,794 in Koh Phan Ghan versus $1,778 in Cebu.

Living in Koh Phan Ghan is roughly 26% more expensive than Cebu, driven mainly by Groceries & Markets.

Both cities sit below the global median: Koh Phan Ghan 18% lower, Cebu 35% lower.

Meal at Budget Restaurant

$4.22 ฿138

$4.33 ₱267

-2.54%

Three-Course Dinner for Two, Mid-Range

$41.00 ฿1,339

$24.14 ₱1,489

69.84%

Fast Food Meal (McDonalds, etc)

$7.88 ฿257

$4.36 ₱269

80.73%

Cappuccino

$2.76 ฿90.3

$2.57 ₱159

7.39%

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

$0.61 ฿19.95

$0.84 ₱52.1

-27.38%

Water (0.33 liter bottle)

$0.36 ฿11.63

$0.43 ₱26.36

-16.28%

Local Beer (0.5 liter draught)

$2.25 ฿73.4

$1.53 ₱94.5

47.06%

Imported Beer (0.33 liter bottle)

$3.35 ฿109

$2.11 ₱130

58.77%

Milk (1 liter)

$2.05 ฿67.0

$2.21 ₱137

-7.24%

White Bread (500g)

$1.75 ฿57.0

$1.50 ₱92.6

16.67%

Rice (white) (1kg)

$2.08 ฿68.1

$1.11 ₱68.7

87.39%

Eggs

$2.12 ฿69.2

$2.33 ₱144

-9.01%

Local Cheese (1kg)

$18.91 ฿618

$13.03 ₱803

45.13%

Chicken Fillets (1kg)

$3.60 ฿118

$5.35 ₱330

-32.71%

Beef Round Steak (1kg)

$12.82 ฿419

$7.50 ₱462

70.93%

Apples (1kg)

$3.16 ฿103

$3.57 ₱220

-11.48%

Banana (1kg)

$1.54 ฿50.4

$1.45 ₱89.4

6.21%

Oranges (1kg)

$2.29 ฿74.9

$3.39 ₱209

-32.45%

Tomato (1kg)

$1.91 ฿62.4

$2.18 ₱134

-12.39%

Potato (1kg)

$1.46 ฿47.61

$2.59 ₱160

-43.63%

Onion (1kg)

$1.43 ฿46.72

$2.48 ₱153

-42.34%

Lettuce (1 head)

$0.92 ฿29.93

$0.92 ₱56.6

Water (1.5 liter bottle)

$0.49 ฿16.08

$0.79 ₱48.95

-37.97%

Cigarettes 20 Pack (Marlboro, Camel)

$4.24 ฿138

$3.11 ₱192

36.33%

Wine (Bottle)

$18.11 ฿592

$6.52 ₱402

177.76%

Local Beer (0.5 liter bottle)

$1.73 ฿56.6

$1.21 ₱74.4

42.98%

Imported Beer (0.33 liter bottle)

$2.56 ฿83.7

$2.32 ₱143

10.34%

One-way Ticket (Public Transport)

$1.27 ฿41.41

$0.28 ₱17.41

353.57%

Public Transport Monthly Pass (Regular Price)

$15.00 ₱925

Taxi Start (Normal Tariff)

$2.69 ฿87.8

$0.84 ₱51.6

220.24%

Taxi (Normal Tariff) (1km)

$0.87 ฿28.57

$0.25 ₱15.45

248.00%

Taxi 1hour Waiting (Normal Tariff)

$12.31 ฿402

$2.69 ₱166

357.62%

Gasoline (1 liter)

$1.17 ฿38.23

$1.09 ₱67.1

7.34%

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

$24.7K ฿805.1K

$30.1K ₱1.9M

-18.09%

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

$30.5K ฿997.3K

$27.0K ₱1.7M

13.11%

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

$122 ฿3,984

$95.4 ₱5,880

27.92%

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

$13.49 ฿441

$33.83 ₱2,086

-60.12%

Internet (50+ Mbps, Unlimited Data)

$18.78 ฿614

$29.78 ₱1,836

-36.94%

Gym Membership (Monthly)

$60.1 ฿1,964

$32.91 ₱2,029

82.74%

Tennis Court (1 Hour on Weekend)

$16.94 ฿553

$8.43 ₱520

100.95%

Cinema Ticket

$9.15 ฿299

$5.84 ₱360

56.68%

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

$693 ฿22.6K

$233 ₱14.3K

197.68%

International Primary School, 1 Child (Yearly)

$16.0K ฿522.2K

$3,894 ₱240.1K

310.62%

Jeans (Levis 501 Or Similar)

$57.9 ฿1,892

$53.5 ₱3,297

8.32%

Summer Dress (H&M, Zara, etc)

$34.07 ฿1,113

$22.75 ₱1,403

49.76%

Sport Shoes (Adidas, Nike)

$116 ฿3,775

$76.7 ₱4,729

50.68%

Men's Leather Business Shoes

$83.4 ฿2,723

$54.5 ₱3,359

53.05%

1-bedroom Apartment, City Center (Monthly)

$425 ฿13.9K

$515 ₱31.8K

-17.49%

1-bedroom Apartment, Outside City Center (Monthly)

$313 ฿10.2K

$209 ₱12.9K

50.01%

3-bedroom Apartment, City Center (Monthly)

$1,432 ฿46.8K

$805 ₱49.6K

77.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,044 ฿34.1K

$397 ₱24.5K

162.95%

Buy Apartment in City Center (m2)

$2,558 ฿83.5K

$2,955 ₱182.2K

-13.45%

Buy Apartment Outside City Center (m2)

$1,826 ฿59.6K

$1,923 ₱118.6K

-5.04%

Average Monthly Net Salary (After Tax)

$744 ฿24.3K

$364 ₱22.5K

104.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.33

-33.38%

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

Last update for Koh Phan Ghan: May 31, 2026

Last update for Cebu: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $425 in Koh Phan Ghan and $515 in Cebu. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 104% 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: $41.00 in Koh Phan Ghan vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $279 vs $240 per month, with Cebu cheaper across the board.

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

Koh Phan Ghan vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment. The 26% gap adds up to real monthly savings that compound significantly over time.

Koh Phan Ghan pays 104% more on average, 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: $425 in Koh Phan Ghan versus $515 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Koh Phan Ghan. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,096 per month in Koh Phan Ghan versus $873 in Cebu – a 26% gap that adds up to real savings over time for anyone picking the cheaper option.

At $873 in Cebu versus $1,096 in Koh Phan Ghan, a $1,500 budget is realistic in Cebu but tight or insufficient in Koh Phan Ghan. 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 Koh Phan Ghan, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Koh Phan Ghan 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 26% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.