Last update: Oct 2026

Cost of Living Comparison Between Kutina and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,595 in Kutina, rent and utilities included – about $8,100 less a year. Other living expenses account for most of the difference.

77

Cost of Living Index in Kutina
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Kutina Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Kutina

🇭🇷 Croatia

$1,595

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,595 in Kutina versus $918 in Cebu.

Kutina $1,595
Cebu $918

Estimated couple costs with rent: $2,413 in Kutina versus $1,409 in Cebu.

Kutina $2,413
Cebu $1,409

Monthly costs for a family of three with rent: $3,231 in Kutina versus $1,900 in Cebu.

Kutina $3,231
Cebu $1,900

Living in Kutina is roughly 74% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kutina is 18% above, Cebu is 32% below.

Meal at Budget Restaurant

$14.42 €12.81

$3.09 ₱194

366.67%

Three-Course Dinner for Two, Mid-Range

$68.1 €60.5

$24.22 ₱1,524

181.05%

Fast Food Meal (McDonalds, etc)

$8.80 €7.82

$3.92 ₱246

124.49%

Cappuccino

$2.46 €2.18

$2.51 ₱158

-1.99%

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

$2.88 €2.56

$1.59 ₱100

81.13%

Water (0.33 liter bottle)

$2.08 €1.85

$0.53 ₱33.42

292.45%

Local Beer (0.5 liter draught)

$3.40 €3.02

$1.78 ₱112

91.01%

Imported Beer (0.33 liter bottle)

$4.42 €3.93

$2.17 ₱137

103.69%

Milk (1 liter)

$1.22 €1.08

$1.92 ₱121

-36.46%

White Bread (500g)

$1.77 €1.57

$1.36 ₱85.4

30.15%

Rice (white) (1kg)

$3.11 €2.77

$1.01 ₱63.5

207.92%

Eggs

$3.84 €3.41

$2.03 ₱128

89.16%

Local Cheese (1kg)

$10.73 €9.53

$9.86 ₱621

8.82%

Chicken Fillets (1kg)

$10.58 €9.40

$4.39 ₱276

141.00%

Beef Round Steak (1kg)

$18.46 €16.40

$7.60 ₱478

142.89%

Apples (1kg)

$1.96 €1.74

$3.30 ₱208

-40.61%

Banana (1kg)

$1.95 €1.73

$1.39 ₱87.7

40.29%

Oranges (1kg)

$2.13 €1.89

$2.33 ₱147

-8.58%

Tomato (1kg)

$2.57 €2.28

$1.50 ₱94.2

71.33%

Potato (1kg)

$1.31 €1.16

$2.36 ₱149

-44.49%

Onion (1kg)

$1.37 €1.22

$1.90 ₱119

-27.89%

Lettuce (1 head)

$1.31 €1.17

$1.19 ₱74.9

10.08%

Water (1.5 liter bottle)

$1.20 €1.06

$0.63 ₱39.69

90.48%

Cigarettes 20 Pack (Marlboro, Camel)

$5.44 €4.83

$3.00 ₱189

81.33%

Wine (Bottle)

$7.60 €6.75

$6.03 ₱379

26.04%

Local Beer (0.5 liter bottle)

$1.91 €1.69

$1.23 ₱77.6

55.28%

Imported Beer (0.33 liter bottle)

$2.46 €2.18

$1.75 ₱110

40.57%

One-way Ticket (Public Transport)

$1.58 €1.40

$0.25 ₱15.85

532.00%

Public Transport Monthly Pass (Regular Price)

$44.36 €39.40

$12.64 ₱795

250.95%

Taxi Start (Normal Tariff)

$3.38 €3.00

$0.77 ₱48.59

338.96%

Taxi (Normal Tariff) (1km)

$2.29 €2.04

$0.23 ₱14.52

895.65%

Taxi 1hour Waiting (Normal Tariff)

$22.03 €19.56

$4.46 ₱280

393.95%

Gasoline (1 liter)

$1.87 €1.66

$1.31 ₱82.8

42.75%

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

$26.0K €23.1K

$21.2K ₱1.3M

22.28%

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

$26.5K €23.5K

$19.1K ₱1.2M

38.21%

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

$151 €134

$120 ₱7,566

25.70%

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

$21.94 €19.48

$14.00 ₱881

56.71%

Internet (50+ Mbps, Unlimited Data)

$40.42 €35.90

$27.54 ₱1,733

46.77%

Gym Membership (Monthly)

$58.4 €51.9

$32.33 ₱2,034

80.73%

Tennis Court (1 Hour on Weekend)

$13.56 €12.04

$6.65 ₱418

103.91%

Cinema Ticket

$10.87 €9.66

$5.65 ₱355

92.39%

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

$237 €211

$275 ₱17.3K

-13.89%

International Primary School, 1 Child (Yearly)

$2,748 €2,440

$7,918 ₱498.3K

-65.30%

Jeans (Levis 501 Or Similar)

$115 €102

$49.33 ₱3,105

132.72%

Summer Dress (H&M, Zara, etc)

$35.65 €31.66

$25.24 ₱1,589

41.24%

Sport Shoes (Adidas, Nike)

$141 €125

$77.0 ₱4,844

82.76%

Men's Leather Business Shoes

$130 €115

$57.2 ₱3,600

126.92%

1-bedroom Apartment, City Center (Monthly)

$691 €614

$500 ₱31.4K

38.41%

1-bedroom Apartment, Outside City Center (Monthly)

$532 €473

$309 ₱19.4K

72.39%

3-bedroom Apartment, City Center (Monthly)

$1,019 €905

$1,078 ₱67.8K

-5.43%

3-bedroom Apartment, Outside City Center (Monthly)

$795 €706

$615 ₱38.7K

29.18%

Buy Apartment in City Center (m2)

$3,579 €3,178

$2,886 ₱181.6K

24.00%

Buy Apartment Outside City Center (m2)

$2,666 €2,367

$1,917 ₱120.6K

39.08%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.54

7.2

-50.83%

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

Last update for Kutina: 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

Kutina

$532 33.4%

Cebu

$309 33.6% 42% $224

Groceries & Markets

Kutina

$297 18.6%

Cebu

$206 22.4% 30.7% $91

Eating Out

Kutina

$217 13.6%

Cebu

$88 9.6% 59.3% $129

Monthly Utilities & Internet

Kutina

$213 13.4%

Cebu

$162 17.6% 24.2% $52

Clothing & Footwear

Kutina

$189 11.9%

Cebu

$94 10.2% 50.4% $95

Sport & Entertainment

Kutina

$80 5%

Cebu

$44 4.8% 45.6% $37

Getting Around

Kutina

$66 4.1%

Cebu

$16 1.7% 76.2% $50

Cost Breakdown

A one-bedroom apartment in the center runs $691 in Kutina and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $68.0 in Kutina vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $297 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Kutina

🇵🇭 Cebu

🕒 Local time

14:56 2:56 PM

20:56 8:56 PM

6 h ahead of Kutina

🌤 Weather

👥 Population

19,601

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.13 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 = 0.888 EUR (1 EUR = 1.13 USD).

Philippine Peso exchange rates as of October 16, 2026: 1 USD = 62.93 PHP (100 PHP = 1.59 USD). 1 EUR = 70.59 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Kutina Cebu 10,490 km ≈ 14 h nonstop flight

From you

Kutina
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

Kutina vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 74% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,392 in Kutina and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $691 in Kutina versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,595 per month in Kutina versus $918 in Cebu – a 74% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 251% less than in Kutina. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,595 in Kutina, a $1,500 budget is realistic in Cebu but tight or insufficient in Kutina. 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 Kutina, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kutina 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 74% less than in Kutina. Beyond cost, consider language, visa policies, and how big the international community is in each city.