Last update: Oct 2026

Cost of Living Comparison Between Kozani and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,284 in Kozani, rent and utilities included – about $4,400 less a year. Other living expenses account for most of the difference.

63

Cost of Living Index in Kozani
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Kozani Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Kozani

🇬🇷 Greece

$1,284

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,284 in Kozani versus $918 in Cebu.

Kozani $1,284
Cebu $918

Estimated couple costs with rent: $1,879 in Kozani versus $1,409 in Cebu.

Kozani $1,879
Cebu $1,409

Monthly costs for a family of three with rent: $2,474 in Kozani versus $1,900 in Cebu.

Kozani $2,474
Cebu $1,900

Living in Kozani is roughly 40% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Kozani 5% lower, Cebu 32% lower.

Meal at Budget Restaurant

$11.21 €10.00

$3.09 ₱195

262.78%

Three-Course Dinner for Two, Mid-Range

$44.18 €39.39

$24.22 ₱1,526

82.41%

Fast Food Meal (McDonalds, etc)

$10.96 €9.77

$3.92 ₱247

179.59%

Cappuccino

$2.84 €2.53

$2.51 ₱158

13.15%

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

$1.64 €1.46

$1.59 ₱100

3.14%

Water (0.33 liter bottle)

$0.54 €0.48

$0.53 ₱33.47

1.89%

Local Beer (0.5 liter draught)

$4.56 €4.06

$1.78 ₱112

156.18%

Imported Beer (0.33 liter bottle)

$4.84 €4.32

$2.17 ₱137

123.04%

Milk (1 liter)

$1.64 €1.46

$1.92 ₱121

-14.58%

White Bread (500g)

$1.71 €1.53

$1.36 ₱85.5

25.74%

Rice (white) (1kg)

$1.94 €1.73

$1.01 ₱63.6

92.08%

Eggs

$3.33 €2.97

$2.03 ₱128

64.04%

Local Cheese (1kg)

$13.16 €11.73

$9.86 ₱622

33.47%

Chicken Fillets (1kg)

$8.38 €7.47

$4.39 ₱277

90.89%

Beef Round Steak (1kg)

$12.61 €11.24

$7.60 ₱479

65.92%

Apples (1kg)

$1.65 €1.47

$3.30 ₱208

-50.00%

Banana (1kg)

$1.64 €1.46

$1.39 ₱87.9

17.99%

Oranges (1kg)

$1.54 €1.38

$2.33 ₱147

-33.91%

Tomato (1kg)

$1.62 €1.44

$1.50 ₱94.4

8.00%

Potato (1kg)

$1.01 €0.90

$2.36 ₱149

-57.20%

Onion (1kg)

$0.85 €0.76

$1.90 ₱119

-55.26%

Lettuce (1 head)

$1.27 €1.13

$1.19 ₱75.0

6.72%

Water (1.5 liter bottle)

$0.89 €0.79

$0.63 ₱39.75

41.27%

Cigarettes 20 Pack (Marlboro, Camel)

$5.12 €4.57

$3.00 ₱189

70.67%

Wine (Bottle)

$8.81 €7.85

$6.03 ₱380

46.10%

Local Beer (0.5 liter bottle)

$1.99 €1.77

$1.23 ₱77.7

61.79%

Imported Beer (0.33 liter bottle)

$3.13 €2.80

$1.75 ₱110

78.86%

One-way Ticket (Public Transport)

$1.65 €1.47

$0.25 ₱15.87

560.00%

Public Transport Monthly Pass (Regular Price)

$41.77 €37.24

$12.64 ₱796

230.46%

Taxi Start (Normal Tariff)

$4.15 €3.70

$0.77 ₱48.66

438.96%

Taxi (Normal Tariff) (1km)

$1.11 €0.99

$0.23 ₱14.54

382.61%

Taxi 1hour Waiting (Normal Tariff)

$16.64 €14.84

$4.46 ₱281

273.09%

Gasoline (1 liter)

$1.97 €1.76

$1.31 ₱82.9

50.38%

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

$28.3K €25.2K

$21.2K ₱1.3M

33.10%

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

$31.1K €27.8K

$19.1K ₱1.2M

62.65%

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

$217 €193

$120 ₱7,577

80.19%

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

$23.22 €20.70

$14.00 ₱883

65.86%

Internet (50+ Mbps, Unlimited Data)

$29.90 €26.66

$27.54 ₱1,736

8.57%

Gym Membership (Monthly)

$43.48 €38.77

$32.33 ₱2,037

34.49%

Tennis Court (1 Hour on Weekend)

$23.90 €21.31

$6.65 ₱419

259.40%

Cinema Ticket

$8.70 €7.75

$5.65 ₱356

53.98%

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

$401 €358

$275 ₱17.3K

45.68%

International Primary School, 1 Child (Yearly)

$9,068 €8,085

$7,918 ₱499.0K

14.53%

Jeans (Levis 501 Or Similar)

$84.6 €75.4

$49.33 ₱3,109

71.42%

Summer Dress (H&M, Zara, etc)

$45.09 €40.20

$25.24 ₱1,591

78.65%

Sport Shoes (Adidas, Nike)

$82.5 €73.6

$77.0 ₱4,850

7.19%

Men's Leather Business Shoes

$61.2 €54.6

$57.2 ₱3,605

7.06%

1-bedroom Apartment, City Center (Monthly)

$387 €345

$500 ₱31.5K

-22.58%

1-bedroom Apartment, Outside City Center (Monthly)

$314 €280

$309 ₱19.5K

1.80%

3-bedroom Apartment, City Center (Monthly)

$511 €455

$1,078 ₱67.9K

-52.62%

3-bedroom Apartment, Outside City Center (Monthly)

$428 €381

$615 ₱38.8K

-30.49%

Buy Apartment in City Center (m2)

$2,180 €1,944

$2,886 ₱181.9K

-24.47%

Buy Apartment Outside City Center (m2)

$1,867 €1,665

$1,917 ₱120.8K

-2.58%

Average Monthly Net Salary (After Tax)

$1,086 €968

$346 ₱21.8K

213.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.26

7.2

-40.83%

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

Last update for Kozani: 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

Kozani

$314 24.5%

Cebu

$309 33.6% 1.8% $5.5

Monthly Utilities & Internet

Kozani

$270 21%

Cebu

$162 17.6% 40% $108

Groceries & Markets

Kozani

$260 20.3%

Cebu

$206 22.4% 21% $55

Eating Out

Kozani

$198 15.4%

Cebu

$88 9.6% 55.4% $110

Clothing & Footwear

Kozani

$123 9.6%

Cebu

$94 10.2% 23.6% $29

Sport & Entertainment

Kozani

$61 4.7%

Cebu

$44 4.8% 28.3% $17

Getting Around

Kozani

$58 4.5%

Cebu

$16 1.7% 73.2% $42

Cost Breakdown

A one-bedroom apartment in the center runs $387 in Kozani and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kozani pays 214% 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: $44.00 in Kozani vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $260 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇷 Kozani

🇵🇭 Cebu

🕒 Local time

10:48 10:48 AM

15:48 3:48 PM

5 h ahead of Kozani

🌤 Weather

👥 Population

35,242

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 16, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 16, 2026: 1 USD = 63.02 PHP (100 PHP = 1.59 USD). 1 EUR = 70.65 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Kozani Cebu 10,270 km ≈ 13 h nonstop flight

From you

Kozani
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

Kozani vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 40% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 214% higher in Kozani, 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: $387 in Kozani versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,284 per month in Kozani versus $918 in Cebu – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 230% less than in Kozani. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,284 in Kozani, a $1,500 budget is realistic in Cebu but tight or insufficient in Kozani. 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 Kozani, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kozani 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 40% less than in Kozani. Beyond cost, consider language, visa policies, and how big the international community is in each city.