Last update: Oct 2026

Cost of Living Comparison Between Loughrea and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,512 in Loughrea, rent and utilities included – about $19,100 less a year. Rent and utilities account for most of the difference.

123

Cost of Living Index in Loughrea
Learn more

Loughrea Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Loughrea

🇮🇪 Ireland

$2,512

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,512 in Loughrea versus $918 in Cebu.

Loughrea $2,512
Cebu $918

Estimated couple costs with rent: $3,724 in Loughrea versus $1,409 in Cebu.

Loughrea $3,724
Cebu $1,409

Monthly costs for a family of three with rent: $4,936 in Loughrea versus $1,900 in Cebu.

Loughrea $4,936
Cebu $1,900

Living in Loughrea is roughly 174% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Loughrea is 86% above, Cebu is 32% below.

Meal at Budget Restaurant

$23.22 €20.65

$3.09 ₱195

651.46%

Three-Course Dinner for Two, Mid-Range

$102 €90.9

$24.22 ₱1,525

322.17%

Fast Food Meal (McDonalds, etc)

$13.62 €12.12

$3.92 ₱247

247.45%

Cappuccino

$3.38 €3.01

$2.51 ₱158

34.66%

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

$2.17 €1.93

$1.59 ₱100

36.48%

Water (0.33 liter bottle)

$2.23 €1.99

$0.53 ₱33.45

320.75%

Local Beer (0.5 liter draught)

$5.45 €4.85

$1.78 ₱112

206.18%

Imported Beer (0.33 liter bottle)

$4.39 €3.91

$2.17 ₱137

102.30%

Milk (1 liter)

$1.66 €1.48

$1.92 ₱121

-13.54%

White Bread (500g)

$2.26 €2.01

$1.36 ₱85.5

66.18%

Rice (white) (1kg)

$1.98 €1.76

$1.01 ₱63.6

96.04%

Eggs

$4.82 €4.29

$2.03 ₱128

137.44%

Local Cheese (1kg)

$3.45 €3.07

$9.86 ₱621

-65.01%

Chicken Fillets (1kg)

$6.65 €5.91

$4.39 ₱277

51.48%

Beef Round Steak (1kg)

$11.08 €9.86

$7.60 ₱479

45.79%

Apples (1kg)

$2.70 €2.40

$3.30 ₱208

-18.18%

Banana (1kg)

$2.24 €1.99

$1.39 ₱87.8

61.15%

Oranges (1kg)

$2.72 €2.41

$2.33 ₱147

16.74%

Tomato (1kg)

$4.44 €3.95

$1.50 ₱94.3

196.00%

Potato (1kg)

$1.86 €1.65

$2.36 ₱149

-21.19%

Onion (1kg)

$1.54 €1.37

$1.90 ₱119

-18.95%

Lettuce (1 head)

$0.76 €0.67

$1.19 ₱74.9

-36.13%

Water (1.5 liter bottle)

$2.08 €1.85

$0.63 ₱39.73

230.16%

Cigarettes 20 Pack (Marlboro, Camel)

$21.25 €18.90

$3.00 ₱189

608.33%

Wine (Bottle)

$13.16 €11.71

$6.03 ₱380

118.24%

Local Beer (0.5 liter bottle)

$3.44 €3.06

$1.23 ₱77.7

179.67%

Imported Beer (0.33 liter bottle)

$3.43 €3.05

$1.75 ₱110

96.00%

One-way Ticket (Public Transport)

$2.66 €2.36

$0.25 ₱15.87

964.00%

Public Transport Monthly Pass (Regular Price)

$55.0 €48.92

$12.64 ₱796

335.13%

Taxi Start (Normal Tariff)

$5.23 €4.65

$0.77 ₱48.64

579.22%

Taxi (Normal Tariff) (1km)

$1.52 €1.35

$0.23 ₱14.54

560.87%

Taxi 1hour Waiting (Normal Tariff)

$37.00 €32.91

$4.46 ₱281

729.60%

Gasoline (1 liter)

$1.78 €1.58

$1.31 ₱82.8

35.88%

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

$38.6K €34.3K

$21.2K ₱1.3M

81.81%

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

$39.4K €35.0K

$19.1K ₱1.2M

105.72%

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

$164 €146

$120 ₱7,573

36.75%

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

$18.15 €16.14

$14.00 ₱882

29.64%

Internet (50+ Mbps, Unlimited Data)

$52.0 €46.22

$27.54 ₱1,735

88.71%

Gym Membership (Monthly)

$59.6 €53.0

$32.33 ₱2,036

84.29%

Tennis Court (1 Hour on Weekend)

$49.26 €43.81

$6.65 ₱419

640.75%

Cinema Ticket

$15.35 €13.65

$5.65 ₱356

171.68%

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

$1,255 €1,116

$275 ₱17.3K

355.94%

International Primary School, 1 Child (Yearly)

$5,363 €4,770

$7,918 ₱498.8K

-32.27%

Jeans (Levis 501 Or Similar)

$89.5 €79.6

$49.33 ₱3,107

81.43%

Summer Dress (H&M, Zara, etc)

$49.98 €44.45

$25.24 ₱1,590

98.02%

Sport Shoes (Adidas, Nike)

$113 €101

$77.0 ₱4,848

47.14%

Men's Leather Business Shoes

$128 €114

$57.2 ₱3,603

123.55%

1-bedroom Apartment, City Center (Monthly)

$1,598 €1,422

$500 ₱31.5K

219.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,326 €1,179

$309 ₱19.5K

329.39%

3-bedroom Apartment, City Center (Monthly)

$2,530 €2,250

$1,078 ₱67.9K

134.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,089 €1,858

$615 ₱38.8K

239.62%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$2,538 €2,257

$346 ₱21.8K

633.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.82

7.2

-46.94%

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

Last update for Loughrea: 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

Loughrea

$1.3K 52.8%

Cebu

$309 33.6% 76.7% $1K

Eating Out

Loughrea

$321 12.8%

Cebu

$88 9.6% 72.5% $233

Groceries & Markets

Loughrea

$290 11.6%

Cebu

$206 22.4% 29.1% $84

Monthly Utilities & Internet

Loughrea

$235 9.3%

Cebu

$162 17.6% 31% $73

Clothing & Footwear

Loughrea

$171 6.8%

Cebu

$94 10.2% 45.2% $77

Sport & Entertainment

Loughrea

$90 3.6%

Cebu

$44 4.8% 51.7% $47

Getting Around

Loughrea

$78 3.1%

Cebu

$16 1.7% 80.2% $63

Cost Breakdown

A one-bedroom apartment in the center runs $1,598 in Loughrea and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Loughrea pays 634% 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: $102 in Loughrea vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $290 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇪 Loughrea

🇵🇭 Cebu

🕒 Local time

04:36 4:36 AM

11:36 11:36 AM

7 h ahead of Loughrea

🌤 Weather

👥 Population

5,600

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 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.93 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Loughrea Cebu 11,650 km ≈ 15 h nonstop flight

From you

Loughrea
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

Loughrea vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 174% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 634% higher in Loughrea, 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: $1,598 in Loughrea versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,512 per month in Loughrea versus $918 in Cebu – a 174% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 335% less than in Loughrea. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,512 in Loughrea, a $1,500 budget is realistic in Cebu but tight or insufficient in Loughrea. 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 Loughrea, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Loughrea 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 174% less than in Loughrea. Beyond cost, consider language, visa policies, and how big the international community is in each city.