Last update: Oct 2026

Cost of Living Comparison Between Lohja and Cebu

For one person, living is cheaper in Cebu: $918 a month against $981 in Lohja, rent and utilities included – about $760 less a year. The total is higher in Lohja despite lower rent and utilities.

48

Cost of Living Index in Lohja
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Lohja Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Lohja

🇫🇮 Finland

$981

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $981 in Lohja versus $918 in Cebu.

Lohja $981
Cebu $918

Estimated couple costs with rent: $2,114 in Lohja versus $1,409 in Cebu.

Lohja $2,114
Cebu $1,409

Monthly costs for a family of three with rent: $3,247 in Lohja versus $1,900 in Cebu.

Lohja $3,247
Cebu $1,900

Living in Lohja is roughly 7% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Lohja 27% lower, Cebu 32% lower.

Meal at Budget Restaurant

$13.28 €11.84

$3.09 ₱195

329.77%

Three-Course Dinner for Two, Mid-Range

$61.9 €55.2

$24.22 ₱1,526

155.62%

Fast Food Meal (McDonalds, etc)

$11.86 €10.58

$3.92 ₱247

202.55%

Cappuccino

$4.73 €4.22

$2.51 ₱158

88.45%

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

$3.04 €2.71

$1.59 ₱100

91.19%

Water (0.33 liter bottle)

$1.92 €1.71

$0.53 ₱33.47

262.26%

Local Beer (0.5 liter draught)

$7.94 €7.09

$1.78 ₱112

346.07%

Imported Beer (0.33 liter bottle)

$6.62 €5.90

$2.17 ₱137

205.07%

Milk (1 liter)

$1.20 €1.07

$1.92 ₱121

-37.50%

White Bread (500g)

$2.29 €2.05

$1.36 ₱85.5

68.38%

Rice (white) (1kg)

$2.42 €2.16

$1.01 ₱63.6

139.60%

Eggs

$2.66 €2.37

$2.03 ₱128

31.03%

Local Cheese (1kg)

$8.80 €7.85

$9.86 ₱622

-10.75%

Chicken Fillets (1kg)

$13.38 €11.93

$4.39 ₱277

204.78%

Beef Round Steak (1kg)

$16.58 €14.79

$7.60 ₱479

118.16%

Apples (1kg)

$2.24 €2.00

$3.30 ₱208

-32.12%

Banana (1kg)

$2.02 €1.80

$1.39 ₱87.9

45.32%

Oranges (1kg)

$1.10 €0.98

$2.33 ₱147

-52.79%

Tomato (1kg)

$3.92 €3.50

$1.50 ₱94.4

161.33%

Potato (1kg)

$1.25 €1.12

$2.36 ₱149

-47.03%

Onion (1kg)

$1.86 €1.66

$1.90 ₱120

-2.11%

Lettuce (1 head)

$2.82 €2.51

$1.19 ₱75.0

136.97%

Water (1.5 liter bottle)

$2.03 €1.81

$0.63 ₱39.75

222.22%

Cigarettes 20 Pack (Marlboro, Camel)

$12.96 €11.56

$3.00 ₱189

332.00%

Wine (Bottle)

$15.81 €14.11

$6.03 ₱380

162.19%

Local Beer (0.5 liter bottle)

$3.13 €2.79

$1.23 ₱77.8

154.47%

Imported Beer (0.33 liter bottle)

$3.27 €2.91

$1.75 ₱110

86.86%

One-way Ticket (Public Transport)

$0.25 ₱15.88

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$4.39 €3.91

$0.77 ₱48.67

470.13%

Taxi (Normal Tariff) (1km)

$1.35 €1.21

$0.23 ₱14.55

486.96%

Taxi 1hour Waiting (Normal Tariff)

$66.7 €59.5

$4.46 ₱281

1395.74%

Gasoline (1 liter)

$2.00 €1.78

$1.31 ₱82.9

52.67%

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

$37.1K €33.1K

$21.2K ₱1.3M

74.59%

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

$37.4K €33.4K

$19.1K ₱1.2M

95.36%

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

$79.6 €71.0

$120 ₱7,577

-33.78%

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

$24.91 €22.22

$14.00 ₱883

77.93%

Internet (50+ Mbps, Unlimited Data)

$22.58 €20.14

$27.54 ₱1,736

-18.01%

Gym Membership (Monthly)

$33.19 €29.60

$32.33 ₱2,037

2.66%

Tennis Court (1 Hour on Weekend)

$16.40 €14.63

$6.65 ₱419

146.62%

Cinema Ticket

$15.57 €13.89

$5.65 ₱356

175.58%

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

$333 €297

$275 ₱17.4K

21.05%

International Primary School, 1 Child (Yearly)

$7,918 ₱499.1K

Jeans (Levis 501 Or Similar)

$96.8 €86.4

$49.33 ₱3,109

96.23%

Summer Dress (H&M, Zara, etc)

$33.85 €30.20

$25.24 ₱1,591

34.11%

Sport Shoes (Adidas, Nike)

$78.6 €70.1

$77.0 ₱4,851

2.14%

Men's Leather Business Shoes

$156 €139

$57.2 ₱3,605

173.13%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

3-bedroom Apartment, City Center (Monthly)

$1,099 €981

$1,078 ₱67.9K

2.00%

3-bedroom Apartment, Outside City Center (Monthly)

$952 €849

$615 ₱38.8K

54.73%

Buy Apartment in City Center (m2)

$1,365 €1,218

$2,886 ₱181.9K

-52.70%

Buy Apartment Outside City Center (m2)

$1,136 €1,013

$1,917 ₱120.8K

-40.73%

Average Monthly Net Salary (After Tax)

$3,399 €3,032

$346 ₱21.8K

882.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.51

7.2

-51.25%

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

Last update for Lohja: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Lohja

$343 34.9%

Cebu

$206 22.4% 39.9% $137

Eating Out

Lohja

$271 27.7%

Cebu

$88 9.6% 67.5% $183

Clothing & Footwear

Lohja

$164 16.8%

Cebu

$94 10.2% 42.9% $71

Monthly Utilities & Internet

Lohja

$127 13%

Cebu

$162 17.6% 27.3% $35

Sport & Entertainment

Lohja

$64 6.6%

Cebu

$44 4.8% 32.2% $21

Getting Around

Lohja

$11 * 1.1%

Cebu

$16 1.7% 39.6% $4.4

Accommodation & Living

Lohja

- * 0%

Cebu

$309 33.6%

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

Cost Breakdown

Lohja pays 883% 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: $62.0 in Lohja vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $343 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇫🇮 Lohja

🇵🇭 Cebu

🕒 Local time

03:23 3:23 AM

08:23 8:23 AM

5 h ahead of Lohja

🌤 Weather

👥 Population

45,654

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 = 63.03 PHP (100 PHP = 1.59 USD). 1 EUR = 70.66 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Lohja Cebu 9,550 km ≈ 12 h nonstop flight

From you

Lohja
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

Lohja vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 7% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 883% higher in Lohja, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Supermarket bills run roughly 66% higher in Lohja. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $981 per month in Lohja versus $918 in Cebu – a 7% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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

Safety-wise, Lohja 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 7% less than in Lohja. Beyond cost, consider language, visa policies, and how big the international community is in each city.