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: $1,061 in Koh Phan Ghan versus $873 in Cebu.

Estimated couple costs with rent: $1,908 in Koh Phan Ghan versus $1,339 in Cebu.

Monthly costs for a family of three with rent: $2,754 in Koh Phan Ghan versus $1,805 in Cebu.

Living in Koh Phan Ghan is roughly 22% more expensive than in Cebu, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Koh Phan Ghan 21% lower, Cebu 35% lower.

Meal at Budget Restaurant

$4.07 ฿137

$4.39 ₱270

-7.29%

Three-Course Dinner for Two, Mid-Range

$42.11 ฿1,414

$24.30 ₱1,496

73.29%

Fast Food Meal (McDonalds, etc)

$7.60 ฿255

$4.53 ₱279

67.77%

Cappuccino

$2.63 ฿88.3

$2.52 ₱155

4.37%

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

$0.62 ฿20.80

$0.80 ₱49.42

-22.50%

Water (0.33 liter bottle)

$0.35 ฿11.84

$0.42 ₱25.97

-16.67%

Local Beer (0.5 liter draught)

$2.27 ฿76.1

$1.59 ₱97.7

42.77%

Imported Beer (0.33 liter bottle)

$3.26 ฿109

$2.19 ₱135

48.86%

Milk (1 liter)

$2.13 ฿71.4

$2.26 ₱139

-5.75%

White Bread (500g)

$1.73 ฿58.0

$1.51 ₱93.0

14.57%

Rice (white) (1kg)

$2.14 ฿71.7

$1.16 ₱71.6

84.48%

Eggs

$2.12 ฿71.3

$2.36 ₱145

-10.17%

Local Cheese (1kg)

$18.40 ฿618

$12.87 ₱792

42.97%

Chicken Fillets (1kg)

$3.57 ฿120

$5.38 ₱331

-33.64%

Beef Round Steak (1kg)

$12.48 ฿419

$7.82 ₱481

59.59%

Apples (1kg)

$3.23 ฿108

$3.53 ₱217

-8.50%

Banana (1kg)

$1.61 ฿54.2

$1.51 ₱92.9

6.62%

Oranges (1kg)

$2.29 ฿76.7

$3.29 ₱203

-30.40%

Tomato (1kg)

$1.92 ฿64.5

$2.20 ₱136

-12.73%

Potato (1kg)

$1.46 ฿48.91

$2.64 ₱162

-44.70%

Onion (1kg)

$1.39 ฿46.53

$2.46 ₱152

-43.50%

Lettuce (1 head)

$0.98 ฿32.75

$1.00 ₱61.4

-2.00%

Water (1.5 liter bottle)

$0.49 ฿16.55

$0.78 ₱48.06

-37.18%

Cigarettes 20 Pack (Marlboro, Camel)

$4.07 ฿137

$3.10 ₱191

31.29%

Wine (Bottle)

$17.94 ฿602

$6.43 ₱396

179.00%

Local Beer (0.5 liter bottle)

$1.69 ฿56.7

$1.16 ₱71.7

45.69%

Imported Beer (0.33 liter bottle)

$2.61 ฿87.5

$2.24 ₱138

16.52%

One-way Ticket (Public Transport)

$1.28 ฿43.14

$0.26 ₱15.80

392.31%

Public Transport Monthly Pass (Regular Price)

$15.36 ₱946

Taxi Start (Normal Tariff)

$2.70 ฿90.6

$0.81 ₱49.81

233.33%

Taxi (Normal Tariff) (1km)

$0.93 ฿31.26

$0.23 ₱14.06

304.35%

Taxi 1hour Waiting (Normal Tariff)

$12.52 ฿420

$2.64 ₱163

374.24%

Gasoline (1 liter)

$1.23 ฿41.19

$1.10 ₱67.7

11.82%

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

$24.8K ฿831.8K

$30.5K ₱1.9M

-18.67%

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

$29.7K ฿997.7K

$27.7K ₱1.7M

7.17%

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

$122 ฿4,087

$95.9 ₱5,904

26.97%

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

$13.51 ฿454

$34.05 ₱2,096

-60.32%

Internet (50+ Mbps, Unlimited Data)

$18.67 ฿627

$29.86 ₱1,839

-37.47%

Gym Membership (Monthly)

$61.8 ฿2,074

$33.32 ₱2,051

85.44%

Tennis Court (1 Hour on Weekend)

$17.15 ฿576

$8.45 ₱520

102.96%

Cinema Ticket

$8.66 ฿291

$5.79 ₱357

49.57%

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

$700 ฿23.5K

$235 ₱14.5K

197.22%

International Primary School, 1 Child (Yearly)

$15.8K ฿531.0K

$3,913 ₱240.9K

304.23%

Jeans (Levis 501 Or Similar)

$58.9 ฿1,976

$53.1 ₱3,272

10.75%

Summer Dress (H&M, Zara, etc)

$34.51 ฿1,158

$22.65 ₱1,395

52.36%

Sport Shoes (Adidas, Nike)

$117 ฿3,925

$76.1 ₱4,685

53.67%

Men's Leather Business Shoes

$84.2 ฿2,825

$55.0 ₱3,383

53.13%

1-bedroom Apartment, City Center (Monthly)

$438 ฿14.7K

$508 ₱31.3K

-13.74%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ฿10.4K

$210 ₱12.9K

47.67%

3-bedroom Apartment, City Center (Monthly)

$1,438 ฿48.3K

$800 ₱49.3K

79.74%

3-bedroom Apartment, Outside City Center (Monthly)

$1,043 ฿35.0K

$389 ₱24.0K

168.00%

Buy Apartment in City Center (m2)

$2,510 ฿84.3K

$3,013 ₱185.5K

-16.69%

Buy Apartment Outside City Center (m2)

$1,776 ฿59.6K

$1,950 ₱120.1K

-8.92%

Average Monthly Net Salary (After Tax)

$721 ฿24.2K

$340 ₱20.9K

112.16%

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: July 14, 2026

Last update for Cebu: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $438 in Koh Phan Ghan and $508 in Cebu. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 112% 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: $42.00 in Koh Phan Ghan vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $277 vs $241 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 22% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 112% higher in Koh Phan Ghan, 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: $438 in Koh Phan Ghan versus $508 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 15% higher in Koh Phan Ghan. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,061 per month in Koh Phan Ghan versus $873 in Cebu – a 22% gap that adds up to real savings over time for anyone picking the cheaper option.

At $873 in Cebu versus $1,061 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 22% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.