Last update: Oct 2026

Cost of Living Comparison Between Lome and Cebu

For one person, living is cheaper in Lome: $557 a month against $934 in Cebu, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

52

Cost of Living Index in Lome
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Lome Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Lome

🇹🇬 Togo

$557

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $557 in Lome versus $934 in Cebu.

Lome $557
Cebu $934

Estimated couple costs with rent: $980 in Lome versus $1,415 in Cebu.

Lome $980
Cebu $1,415

Monthly costs for a family of three with rent: $1,404 in Lome versus $1,896 in Cebu.

Lome $1,404
Cebu $1,896

Living in Lome costs roughly 40% less than in Cebu, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Lome 58% lower, Cebu 30% lower.

Meal at Budget Restaurant

$2.94 F CFA 1,718

$3.03 ₱190

-2.97%

Three-Course Dinner for Two, Mid-Range

$30.61 F CFA 17.9K

$23.48 ₱1,473

30.37%

Fast Food Meal (McDonalds, etc)

$5.64 F CFA 3,301

$4.09 ₱256

37.90%

Cappuccino

$5.65 F CFA 3,307

$2.52 ₱158

124.21%

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

$4.22 F CFA 2,470

$1.54 ₱96.9

174.03%

Water (0.33 liter bottle)

$0.70 F CFA 407

$0.49 ₱30.98

42.86%

Local Beer (0.5 liter draught)

$0.96 F CFA 560

$1.79 ₱112

-46.37%

Imported Beer (0.33 liter bottle)

$1.74 F CFA 1,018

$2.26 ₱142

-23.01%

Milk (1 liter)

$2.22 F CFA 1,302

$1.95 ₱122

13.85%

White Bread (500g)

$1.36 F CFA 795

$1.43 ₱89.7

-4.90%

Rice (white) (1kg)

$1.49 F CFA 872

$1.02 ₱63.8

46.08%

Eggs

$2.04 F CFA 1,194

$2.06 ₱129

-0.97%

Local Cheese (1kg)

$9.81 ₱615

Chicken Fillets (1kg)

$4.61 ₱289

Beef Round Steak (1kg)

$5.70 F CFA 3,334

$7.70 ₱483

-25.97%

Apples (1kg)

$2.92 F CFA 1,710

$3.31 ₱207

-11.78%

Banana (1kg)

$1.67 F CFA 976

$1.45 ₱90.9

15.17%

Oranges (1kg)

$2.36 ₱148

Tomato (1kg)

$2.55 F CFA 1,489

$1.54 ₱96.4

65.58%

Potato (1kg)

$1.75 F CFA 1,024

$2.36 ₱148

-25.85%

Onion (1kg)

$1.18 F CFA 692

$1.99 ₱125

-40.70%

Lettuce (1 head)

$1.15 ₱72.1

Water (1.5 liter bottle)

$0.83 F CFA 487

$0.67 ₱42.15

23.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$4.85 F CFA 2,835

$6.35 ₱398

-23.62%

Local Beer (0.5 liter bottle)

$1.09 F CFA 640

$1.31 ₱81.9

-16.79%

Imported Beer (0.33 liter bottle)

$1.40 F CFA 820

$1.73 ₱108

-19.08%

One-way Ticket (Public Transport)

$0.25 ₱15.78

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$1.22 F CFA 714

$0.21 ₱13.11

480.95%

Taxi 1hour Waiting (Normal Tariff)

$4.24 F CFA 2,482

$4.33 ₱271

-2.08%

Gasoline (1 liter)

$1.23 F CFA 720

$1.33 ₱83.5

-7.52%

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

$21.8K ₱1.4M

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

$19.4K ₱1.2M

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

$146 F CFA 85.6K

$121 ₱7,563

21.28%

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

$21.33 F CFA 12.5K

$14.45 ₱907

47.61%

Internet (50+ Mbps, Unlimited Data)

$42.15 F CFA 24.7K

$28.29 ₱1,774

48.99%

Gym Membership (Monthly)

$60.5 F CFA 35.4K

$32.68 ₱2,050

85.07%

Tennis Court (1 Hour on Weekend)

$8.77 F CFA 5,132

$6.39 ₱401

37.25%

Cinema Ticket

$4.22 F CFA 2,467

$5.46 ₱342

-22.71%

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

Men's Leather Business Shoes

$59.3 ₱3,717

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,196 F CFA 699.6K

$1,052 ₱66.0K

13.70%

3-bedroom Apartment, Outside City Center (Monthly)

$294 F CFA 172.2K

$619 ₱38.8K

-52.46%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$295 F CFA 172.7K

$341 ₱21.4K

-13.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Lome: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Lome

$210 37.4%

Cebu

$163 17.7% 22.1% $46

Groceries & Markets

Lome

$140 * 25%

Cebu

$210 22.7% 50.3% $70

Eating Out

Lome

$136 24.3%

Cebu

$88 9.6% 35.1% $48

Sport & Entertainment

Lome

$69 12.3%

Cebu

$44 4.7% 36.7% $25

Getting Around

Lome

$6.1 * 1.1%

Cebu

$15 1.7% 153% $9.3

Clothing & Footwear

Lome

- * 0%

Cebu

$95 10.2%

Accommodation & Living

Lome

- * 0%

Cebu

$309 33.5%

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

Cost Breakdown

Cebu pays 16% 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: $31.00 in Lome vs $23.00 in Cebu. Groceries flip the comparison at $140 vs $210, with Lome cheaper for home cooking.

Good to know

🇹🇬 Lome

🇵🇭 Cebu

🕒 Local time

04:53 4:53 AM

12:53 12:53 PM

8 h ahead of Lome

🌤 Weather

👥 Population

837,437 Capital

964,169

💱 Currency

West African CFA Franc XOF Fr

Philippine Peso PHP ₱

📈 Exchange rate

1,000 XOF = 1.71 USD

1,000 XOF = 1.52 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to XOF – West African CFA Franc Converter

🇺🇸 United States Dollar ($)

🌐 West African CFA Franc (Fr)

West African CFA Franc exchange rates as of October 10, 2026: 1 USD = 585 XOF (1,000 XOF = 1.71 USD). 1 EUR = 656 XOF (1,000 XOF = 1.52 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to XOF in detail →

On the map

Lowest

Highest

Between locations

Lome Cebu 13,410 km ≈ 17 h nonstop flight

From you

Lome
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

Lome vs Cebu: Cost of Living - Frequently Asked Questions

Lome is cheaper overall, especially in groceries, transport, and clothing. The 68% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 16% lower in Cebu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 50% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Lome – a meal for two runs $31.00 versus $23.00 in Cebu. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $800 a month, though Lome gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Lome 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, Lome 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 Lome gentler on the wallet – expenses run 68% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.