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: $1,069 in Koh Phan Ghan versus $936 in Cebu.

Estimated couple costs with rent: $1,729 in Koh Phan Ghan versus $1,427 in Cebu.

Monthly costs for a family of three with rent: $2,389 in Koh Phan Ghan versus $1,918 in Cebu.

Living in Koh Phan Ghan is roughly 14% more expensive than in Cebu, driven mainly by Groceries & Markets.

Both cities sit below the global median: Koh Phan Ghan 22% lower, Cebu 32% lower.

Meal at Budget Restaurant

$4.18 ฿139

$3.09 ₱193

35.28%

Three-Course Dinner for Two, Mid-Range

$29.44 ฿980

$23.80 ₱1,485

23.70%

Fast Food Meal (McDonalds, etc)

$8.09 ฿269

$4.10 ₱256

97.32%

Cappuccino

$2.62 ฿87.1

$2.60 ₱162

0.77%

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

$0.75 ฿25.04

$1.55 ₱96.7

-51.61%

Water (0.33 liter bottle)

$0.40 ฿13.44

$0.54 ₱33.39

-25.93%

Local Beer (0.5 liter draught)

$2.16 ฿71.9

$1.73 ₱108

24.86%

Imported Beer (0.33 liter bottle)

$3.49 ฿116

$2.19 ₱137

59.36%

Milk (1 liter)

$1.77 ฿59.0

$1.92 ₱120

-7.81%

White Bread (500g)

$1.33 ฿44.42

$1.39 ₱86.9

-4.32%

Rice (white) (1kg)

$1.47 ฿48.82

$0.97 ₱60.7

51.55%

Eggs

$2.11 ฿70.1

$2.00 ₱125

5.50%

Local Cheese (1kg)

$18.42 ฿613

$9.93 ₱619

85.50%

Chicken Fillets (1kg)

$3.27 ฿109

$4.38 ₱273

-25.34%

Beef Round Steak (1kg)

$10.93 ฿364

$7.41 ₱462

47.50%

Apples (1kg)

$2.73 ฿90.8

$3.46 ₱216

-21.10%

Banana (1kg)

$1.53 ฿50.8

$1.47 ₱91.5

4.08%

Oranges (1kg)

$2.15 ฿71.4

$2.41 ₱151

-10.79%

Tomato (1kg)

$1.96 ฿65.3

$1.54 ₱96.3

27.27%

Potato (1kg)

$1.40 ฿46.65

$2.36 ₱148

-40.68%

Onion (1kg)

$1.32 ฿44.03

$1.91 ₱119

-30.89%

Lettuce (1 head)

$1.06 ฿35.35

$1.24 ₱77.1

-14.52%

Water (1.5 liter bottle)

$0.54 ฿17.97

$0.66 ₱41.34

-18.18%

Cigarettes 20 Pack (Marlboro, Camel)

$4.27 ฿142

$3.00 ₱187

42.33%

Wine (Bottle)

$17.63 ฿587

$6.08 ₱380

189.97%

Local Beer (0.5 liter bottle)

$1.69 ฿56.3

$1.31 ₱81.6

29.01%

Imported Beer (0.33 liter bottle)

$2.77 ฿92.3

$1.73 ₱108

60.12%

One-way Ticket (Public Transport)

$2.07 ฿68.9

$0.25 ₱15.62

728.00%

Public Transport Monthly Pass (Regular Price)

$12.73 ₱795

Taxi Start (Normal Tariff)

$2.65 ฿88.2

$0.75 ₱46.68

253.33%

Taxi (Normal Tariff) (1km)

$0.98 ฿32.50

$0.23 ₱14.38

326.09%

Taxi 1hour Waiting (Normal Tariff)

$3.50 ฿117

$4.60 ₱287

-23.91%

Gasoline (1 liter)

$1.29 ฿43.01

$1.34 ₱83.6

-3.73%

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

$24.6K ฿818.2K

$21.8K ₱1.4M

12.83%

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

$24.2K ฿806.5K

$19.4K ₱1.2M

24.70%

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

$103 ฿3,417

$121 ₱7,548

-15.17%

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

$11.24 ฿374

$14.86 ₱927

-24.36%

Internet (50+ Mbps, Unlimited Data)

$17.29 ฿576

$27.84 ₱1,737

-37.90%

Gym Membership (Monthly)

$52.8 ฿1,758

$32.06 ₱2,001

64.66%

Tennis Court (1 Hour on Weekend)

$11.10 ฿370

$6.43 ₱402

72.63%

Cinema Ticket

$7.64 ฿255

$5.64 ₱352

35.46%

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

$573 ฿19.1K

$273 ₱17.1K

109.52%

International Primary School, 1 Child (Yearly)

$11.7K ฿388.6K

$8,017 ₱500.3K

45.54%

Jeans (Levis 501 Or Similar)

$63.4 ฿2,111

$48.77 ₱3,044

29.96%

Summer Dress (H&M, Zara, etc)

$29.29 ฿975

$25.49 ₱1,590

14.91%

Sport Shoes (Adidas, Nike)

$97.1 ฿3,235

$78.1 ₱4,873

24.37%

Men's Leather Business Shoes

$90.6 ฿3,018

$57.8 ₱3,609

56.74%

1-bedroom Apartment, City Center (Monthly)

$522 ฿17.4K

$500 ₱31.2K

4.39%

1-bedroom Apartment, Outside City Center (Monthly)

$339 ฿11.3K

$300 ₱18.7K

13.24%

3-bedroom Apartment, City Center (Monthly)

$1,460 ฿48.6K

$1,089 ₱67.9K

34.14%

3-bedroom Apartment, Outside City Center (Monthly)

$869 ฿28.9K

$632 ₱39.4K

37.45%

Buy Apartment in City Center (m2)

$2,461 ฿81.9K

$2,888 ₱180.2K

-14.80%

Buy Apartment Outside City Center (m2)

$1,830 ฿60.9K

$1,877 ₱117.1K

-2.51%

Average Monthly Net Salary (After Tax)

$741 ฿24.7K

$346 ₱21.6K

113.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

7.2

-22.64%

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

Last update for Koh Phan Ghan: August 31, 2026

Last update for Cebu: August 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $522 in Koh Phan Ghan and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 114% 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: $29.00 in Koh Phan Ghan vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $258 vs $208 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, Getting Around. The 14% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 114% 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: $522 in Koh Phan Ghan versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 24% higher in Koh Phan Ghan. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,069 per month in Koh Phan Ghan versus $936 in Cebu – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

At $936 in Cebu versus $1,069 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 14% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.