Last update: Oct 2026

Cost of Living Comparison Between Kumasi and Cebu

For one person, living is cheaper in Kumasi: $488 a month against $918 in Cebu, rent and utilities included – about $5,200 less a year. Rent and utilities account for most of the difference.

24

Cost of Living Index in Kumasi
Learn more

Kumasi Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Kumasi

🇬🇭 Ghana

$488

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $488 in Kumasi versus $918 in Cebu.

Kumasi $488
Cebu $918

Estimated couple costs with rent: $805 in Kumasi versus $1,409 in Cebu.

Kumasi $805
Cebu $1,409

Monthly costs for a family of three with rent: $1,123 in Kumasi versus $1,900 in Cebu.

Kumasi $1,123
Cebu $1,900

Living in Kumasi costs roughly 47% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Kumasi 64% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.50 GHS 40.74

$3.09 ₱194

13.27%

Three-Course Dinner for Two, Mid-Range

$33.71 GHS 392

$24.22 ₱1,525

39.18%

Fast Food Meal (McDonalds, etc)

$10.15 GHS 118

$3.92 ₱247

158.93%

Cappuccino

$1.08 GHS 12.53

$2.51 ₱158

-56.97%

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

$0.71 GHS 8.22

$1.59 ₱100

-55.35%

Water (0.33 liter bottle)

$0.26 GHS 3.05

$0.53 ₱33.43

-50.94%

Local Beer (0.5 liter draught)

$0.91 GHS 10.53

$1.78 ₱112

-48.88%

Imported Beer (0.33 liter bottle)

$1.66 GHS 19.34

$2.17 ₱137

-23.50%

Milk (1 liter)

$1.78 GHS 20.65

$1.92 ₱121

-7.29%

White Bread (500g)

$1.64 GHS 19.09

$1.36 ₱85.4

20.59%

Rice (white) (1kg)

$1.75 GHS 20.35

$1.01 ₱63.5

73.27%

Eggs

$2.39 GHS 27.81

$2.03 ₱128

17.73%

Local Cheese (1kg)

$5.49 GHS 63.8

$9.86 ₱621

-44.32%

Chicken Fillets (1kg)

$4.54 GHS 52.8

$4.39 ₱277

3.42%

Beef Round Steak (1kg)

$4.81 GHS 55.9

$7.60 ₱479

-36.71%

Apples (1kg)

$1.68 GHS 19.50

$3.30 ₱208

-49.09%

Banana (1kg)

$0.83 GHS 9.66

$1.39 ₱87.8

-40.29%

Oranges (1kg)

$0.84 GHS 9.73

$2.33 ₱147

-63.95%

Tomato (1kg)

$2.10 GHS 24.39

$1.50 ₱94.3

40.00%

Potato (1kg)

$1.66 GHS 19.34

$2.36 ₱149

-29.66%

Onion (1kg)

$1.28 GHS 14.89

$1.90 ₱119

-32.63%

Lettuce (1 head)

$0.75 GHS 8.70

$1.19 ₱74.9

-36.97%

Water (1.5 liter bottle)

$0.57 GHS 6.59

$0.63 ₱39.71

-9.52%

Cigarettes 20 Pack (Marlboro, Camel)

$0.87 GHS 10.18

$3.00 ₱189

-71.00%

Wine (Bottle)

$1.25 GHS 14.56

$6.03 ₱379

-79.27%

Local Beer (0.5 liter bottle)

$1.22 GHS 14.22

$1.23 ₱77.7

-0.81%

Imported Beer (0.33 liter bottle)

$2.40 GHS 27.88

$1.75 ₱110

37.14%

One-way Ticket (Public Transport)

$0.52 GHS 6.09

$0.25 ₱15.86

108.00%

Public Transport Monthly Pass (Regular Price)

$20.34 GHS 237

$12.64 ₱796

60.92%

Taxi Start (Normal Tariff)

$0.82 GHS 9.49

$0.77 ₱48.62

6.49%

Taxi (Normal Tariff) (1km)

$1.24 GHS 14.44

$0.23 ₱14.53

439.13%

Taxi 1hour Waiting (Normal Tariff)

$1.72 GHS 20.03

$4.46 ₱281

-61.43%

Gasoline (1 liter)

$1.13 GHS 13.18

$1.31 ₱82.8

-13.74%

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

$7,902 GHS 91.9K

$21.2K ₱1.3M

-62.80%

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

$9,972 GHS 116.0K

$19.1K ₱1.2M

-47.92%

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

$41.97 GHS 488

$120 ₱7,569

-65.09%

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

$19.43 GHS 226

$14.00 ₱882

38.79%

Internet (50+ Mbps, Unlimited Data)

$42.24 GHS 491

$27.54 ₱1,734

53.38%

Gym Membership (Monthly)

$30.23 GHS 352

$32.33 ₱2,035

-6.50%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$12.60 GHS 147

$5.65 ₱356

123.01%

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

$459 GHS 5,337

$275 ₱17.3K

66.69%

International Primary School, 1 Child (Yearly)

$5,536 GHS 64.4K

$7,918 ₱498.5K

-30.09%

Jeans (Levis 501 Or Similar)

$14.50 GHS 169

$49.33 ₱3,106

-70.61%

Summer Dress (H&M, Zara, etc)

$18.32 GHS 213

$25.24 ₱1,589

-27.42%

Sport Shoes (Adidas, Nike)

$35.88 GHS 417

$77.0 ₱4,846

-53.38%

Men's Leather Business Shoes

$51.8 GHS 602

$57.2 ₱3,601

-9.51%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$408 GHS 4,750

$346 ₱21.8K

18.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

7.2

271.53%

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

Last update for Kumasi: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Kumasi

$162 33.3%

Cebu

$206 22.4% 26.9% $44

Monthly Utilities & Internet

Kumasi

$104 21.2%

Cebu

$162 17.6% 56.1% $58

Eating Out

Kumasi

$83 17%

Cebu

$88 9.6% 6.2% $5.1

Sport & Entertainment

Kumasi

$55 11.4%

Cebu

$44 4.8% 21.3% $12

Clothing & Footwear

Kumasi

$54 11.1%

Cebu

$94 10.2% 73.3% $40

Getting Around

Kumasi

$29 6%

Cebu

$16 1.7% 47.1% $14

Accommodation & Living

Kumasi

- * 0%

Cebu

$309 33.6%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Kumasi pays 18% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $34.00 in Kumasi vs $24.00 in Cebu. Groceries flip the comparison at $162 vs $206, with Kumasi cheaper for home cooking.

Good to know

🇬🇭 Kumasi

🇵🇭 Cebu

🕒 Local time

21:26 9:26 PM

05:26 5:26 AM

8 h ahead of Kumasi

🌤 Weather

👥 Population

1,517,000

964,169

💱 Currency

Ghanaian Cedi GHS ₵

Philippine Peso PHP ₱

📈 Exchange rate

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 17, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.07 GHS (100 GHS = 7.65 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Kumasi Cebu 13,690 km ≈ 18 h nonstop flight

From you

Kumasi
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

Kumasi vs Cebu: Cost of Living - Frequently Asked Questions

Kumasi is cheaper overall, especially in groceries, eating out, and clothing. The 88% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 18% higher in Kumasi, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

All in, you'll spend $488 per month in Kumasi versus $918 in Cebu – a 88% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kumasi runs roughly 61% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Kumasi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kumasi is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kumasi 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 Kumasi gentler on the wallet – expenses run 88% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.