Last update: Oct 2026

Cost of Living Comparison Between Krk and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,584 in Krk, rent and utilities included – about $8,000 less a year. Other living expenses account for most of the difference.

77

Cost of Living Index in Krk
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Krk Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Krk

🇭🇷 Croatia

$1,584

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,584 in Krk versus $918 in Cebu.

Krk $1,584
Cebu $918

Estimated couple costs with rent: $2,476 in Krk versus $1,409 in Cebu.

Krk $2,476
Cebu $1,409

Monthly costs for a family of three with rent: $3,368 in Krk versus $1,900 in Cebu.

Krk $3,368
Cebu $1,900

Living in Krk is roughly 73% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Krk is 17% above, Cebu is 32% below.

Meal at Budget Restaurant

$17.25 €15.34

$3.09 ₱194

458.25%

Three-Course Dinner for Two, Mid-Range

$76.6 €68.1

$24.22 ₱1,525

216.14%

Fast Food Meal (McDonalds, etc)

$7.89 €7.02

$3.92 ₱247

101.28%

Cappuccino

$2.39 €2.13

$2.51 ₱158

-4.78%

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

$4.08 €3.63

$1.59 ₱100

156.60%

Water (0.33 liter bottle)

$2.95 €2.62

$0.53 ₱33.43

456.60%

Local Beer (0.5 liter draught)

$4.34 €3.86

$1.78 ₱112

143.82%

Imported Beer (0.33 liter bottle)

$4.33 €3.86

$2.17 ₱137

99.54%

Milk (1 liter)

$1.16 €1.03

$1.92 ₱121

-39.58%

White Bread (500g)

$1.63 €1.45

$1.36 ₱85.4

19.85%

Rice (white) (1kg)

$3.11 €2.76

$1.01 ₱63.5

207.92%

Eggs

$4.99 €4.44

$2.03 ₱128

145.81%

Local Cheese (1kg)

$15.53 €13.82

$9.86 ₱621

57.51%

Chicken Fillets (1kg)

$9.46 €8.41

$4.39 ₱277

115.49%

Beef Round Steak (1kg)

$11.93 €10.61

$7.60 ₱479

56.97%

Apples (1kg)

$1.95 €1.73

$3.30 ₱208

-40.91%

Banana (1kg)

$1.51 €1.34

$1.39 ₱87.8

8.63%

Oranges (1kg)

$2.15 €1.91

$2.33 ₱147

-7.73%

Tomato (1kg)

$2.75 €2.44

$1.50 ₱94.3

83.33%

Potato (1kg)

$2.21 €1.97

$2.36 ₱149

-6.36%

Onion (1kg)

$2.01 €1.79

$1.90 ₱119

5.79%

Lettuce (1 head)

$1.53 €1.36

$1.19 ₱74.9

28.57%

Water (1.5 liter bottle)

$1.05 €0.93

$0.63 ₱39.71

66.67%

Cigarettes 20 Pack (Marlboro, Camel)

$5.71 €5.08

$3.00 ₱189

90.33%

Wine (Bottle)

$7.97 €7.09

$6.03 ₱379

32.17%

Local Beer (0.5 liter bottle)

$1.41 €1.26

$1.23 ₱77.7

14.63%

Imported Beer (0.33 liter bottle)

$1.48 €1.32

$1.75 ₱110

-15.43%

One-way Ticket (Public Transport)

$1.71 €1.52

$0.25 ₱15.86

584.00%

Public Transport Monthly Pass (Regular Price)

$47.36 €42.12

$12.64 ₱796

274.68%

Taxi Start (Normal Tariff)

$3.79 €3.37

$0.77 ₱48.62

392.21%

Taxi (Normal Tariff) (1km)

$1.28 €1.14

$0.23 ₱14.53

456.52%

Taxi 1hour Waiting (Normal Tariff)

$11.53 €10.26

$4.46 ₱281

158.52%

Gasoline (1 liter)

$1.83 €1.63

$1.31 ₱82.8

39.69%

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

$26.5K €23.6K

$21.2K ₱1.3M

24.90%

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

$24.8K €22.0K

$19.1K ₱1.2M

29.38%

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

$180 €160

$120 ₱7,569

50.00%

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

$27.20 €24.19

$14.00 ₱882

94.29%

Internet (50+ Mbps, Unlimited Data)

$42.48 €37.79

$27.54 ₱1,734

54.25%

Gym Membership (Monthly)

$46.89 €41.71

$32.33 ₱2,035

45.04%

Tennis Court (1 Hour on Weekend)

$15.56 €13.84

$6.65 ₱419

133.98%

Cinema Ticket

$8.83 €7.86

$5.65 ₱356

56.28%

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

$419 €373

$275 ₱17.3K

52.32%

International Primary School, 1 Child (Yearly)

$6,710 €5,968

$7,918 ₱498.5K

-15.26%

Jeans (Levis 501 Or Similar)

$89.0 €79.1

$49.33 ₱3,106

80.36%

Summer Dress (H&M, Zara, etc)

$44.55 €39.63

$25.24 ₱1,589

76.51%

Sport Shoes (Adidas, Nike)

$103 €91.9

$77.0 ₱4,846

34.21%

Men's Leather Business Shoes

$79.5 €70.7

$57.2 ₱3,601

38.97%

1-bedroom Apartment, City Center (Monthly)

$670 €596

$500 ₱31.5K

34.04%

1-bedroom Apartment, Outside City Center (Monthly)

$528 €469

$309 ₱19.4K

70.83%

3-bedroom Apartment, City Center (Monthly)

$1,314 €1,169

$1,078 ₱67.9K

21.95%

3-bedroom Apartment, Outside City Center (Monthly)

$944 €839

$615 ₱38.7K

53.39%

Buy Apartment in City Center (m2)

$4,029 €3,584

$2,886 ₱181.7K

39.59%

Buy Apartment Outside City Center (m2)

$2,894 €2,574

$1,917 ₱120.7K

50.98%

Average Monthly Net Salary (After Tax)

$1,340 €1,192

$346 ₱21.8K

287.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

7.2

-48.33%

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

Last update for Krk: 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

Krk

$528 33.3%

Cebu

$309 33.6% 41.5% $219

Groceries & Markets

Krk

$286 18.1%

Cebu

$206 22.4% 28.1% $81

Monthly Utilities & Internet

Krk

$250 15.8%

Cebu

$162 17.6% 35.3% $88

Eating Out

Krk

$249 15.7%

Cebu

$88 9.6% 64.5% $161

Clothing & Footwear

Krk

$142 9%

Cebu

$94 10.2% 34% $48

Sport & Entertainment

Krk

$65 4.1%

Cebu

$44 4.8% 32.4% $21

Getting Around

Krk

$64 4.1%

Cebu

$16 1.7% 75.8% $49

Cost Breakdown

A one-bedroom apartment in the center runs $670 in Krk and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Krk pays 287% 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: $77.0 in Krk vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $286 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Krk

🇵🇭 Cebu

🕒 Local time

10:16 10:16 AM

16:16 4:16 PM

6 h ahead of Krk

🌤 Weather

👥 Population

20,165

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

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Between locations

Krk Cebu 10,670 km ≈ 14 h nonstop flight

From you

Krk
Cebu

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated March 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Krk vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 73% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 287% higher in Krk, 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: $670 in Krk versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,584 per month in Krk versus $918 in Cebu – a 73% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 275% less than in Krk. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,584 in Krk, a $1,500 budget is realistic in Cebu but tight or insufficient in Krk. 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 Krk, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Krk 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 73% less than in Krk. Beyond cost, consider language, visa policies, and how big the international community is in each city.