Last update: Oct 2026

Cost of Living Comparison Between Ludvika and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,544 in Ludvika, rent and utilities included – about $7,500 less a year. Other living expenses account for most of the difference.

75

Cost of Living Index in Ludvika
Learn more

Ludvika Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Ludvika

🇸🇪 Sweden

$1,544

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,544 in Ludvika versus $918 in Cebu.

Ludvika $1,544
Cebu $918

Estimated couple costs with rent: $2,587 in Ludvika versus $1,409 in Cebu.

Ludvika $2,587
Cebu $1,409

Monthly costs for a family of three with rent: $3,629 in Ludvika versus $1,900 in Cebu.

Ludvika $3,629
Cebu $1,900

Living in Ludvika is roughly 68% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ludvika is 14% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.65 SEK 135

$3.09 ₱194

341.75%

Three-Course Dinner for Two, Mid-Range

$65.3 SEK 647

$24.22 ₱1,525

169.78%

Fast Food Meal (McDonalds, etc)

$9.70 SEK 96.2

$3.92 ₱247

147.45%

Cappuccino

$4.29 SEK 42.50

$2.51 ₱158

70.92%

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

$2.54 SEK 25.17

$1.59 ₱100

59.75%

Water (0.33 liter bottle)

$2.22 SEK 21.97

$0.53 ₱33.43

318.87%

Local Beer (0.5 liter draught)

$6.88 SEK 68.2

$1.78 ₱112

286.52%

Imported Beer (0.33 liter bottle)

$7.00 SEK 69.3

$2.17 ₱137

222.58%

Milk (1 liter)

$1.68 SEK 16.63

$1.92 ₱121

-12.50%

White Bread (500g)

$2.69 SEK 26.61

$1.36 ₱85.4

97.79%

Rice (white) (1kg)

$3.80 SEK 37.67

$1.01 ₱63.5

276.24%

Eggs

$5.05 SEK 50.0

$2.03 ₱128

148.77%

Local Cheese (1kg)

$13.20 SEK 131

$9.86 ₱621

33.87%

Chicken Fillets (1kg)

$12.86 SEK 127

$4.39 ₱277

192.94%

Beef Round Steak (1kg)

$27.00 SEK 268

$7.60 ₱479

255.26%

Apples (1kg)

$3.12 SEK 30.87

$3.30 ₱208

-5.45%

Banana (1kg)

$3.41 SEK 33.83

$1.39 ₱87.8

145.32%

Oranges (1kg)

$3.52 SEK 34.84

$2.33 ₱147

51.07%

Tomato (1kg)

$4.19 SEK 41.49

$1.50 ₱94.3

179.33%

Potato (1kg)

$1.40 SEK 13.92

$2.36 ₱149

-40.68%

Onion (1kg)

$1.72 SEK 17.00

$1.90 ₱119

-9.47%

Lettuce (1 head)

$2.18 SEK 21.63

$1.19 ₱74.9

83.19%

Water (1.5 liter bottle)

$1.45 SEK 14.41

$0.63 ₱39.71

130.16%

Cigarettes 20 Pack (Marlboro, Camel)

$7.15 SEK 70.8

$3.00 ₱189

138.33%

Wine (Bottle)

$10.05 SEK 99.6

$6.03 ₱379

66.67%

Local Beer (0.5 liter bottle)

$1.92 SEK 18.99

$1.23 ₱77.7

56.10%

Imported Beer (0.33 liter bottle)

$2.25 SEK 22.31

$1.75 ₱110

28.57%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$13.11 SEK 130

$0.77 ₱48.62

1602.60%

Taxi (Normal Tariff) (1km)

$1.96 SEK 19.43

$0.23 ₱14.53

752.17%

Taxi 1hour Waiting (Normal Tariff)

$79.6 SEK 789

$4.46 ₱281

1684.53%

Gasoline (1 liter)

$1.76 SEK 17.39

$1.31 ₱82.8

34.35%

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

$33.5K SEK 331.8K

$21.2K ₱1.3M

57.64%

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

$32.1K SEK 318.0K

$19.1K ₱1.2M

67.61%

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

$97.8 SEK 969

$120 ₱7,569

-18.62%

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

$19.65 SEK 195

$14.00 ₱882

40.36%

Internet (50+ Mbps, Unlimited Data)

$46.53 SEK 461

$27.54 ₱1,734

68.95%

Gym Membership (Monthly)

$29.93 SEK 297

$32.33 ₱2,035

-7.42%

Tennis Court (1 Hour on Weekend)

$49.60 SEK 492

$6.65 ₱419

645.86%

Cinema Ticket

$16.10 SEK 160

$5.65 ₱356

184.96%

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

$216 SEK 2,138

$275 ₱17.3K

-21.64%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

Jeans (Levis 501 Or Similar)

$99.6 SEK 987

$49.33 ₱3,106

101.91%

Summer Dress (H&M, Zara, etc)

$52.5 SEK 520

$25.24 ₱1,589

107.88%

Sport Shoes (Adidas, Nike)

$93.8 SEK 929

$77.0 ₱4,846

21.86%

Men's Leather Business Shoes

$213 SEK 2,113

$57.2 ₱3,601

272.80%

1-bedroom Apartment, City Center (Monthly)

$448 SEK 4,439

$500 ₱31.5K

-10.30%

1-bedroom Apartment, Outside City Center (Monthly)

$428 SEK 4,241

$309 ₱19.4K

38.60%

3-bedroom Apartment, City Center (Monthly)

$945 SEK 9,362

$1,078 ₱67.9K

-12.34%

3-bedroom Apartment, Outside City Center (Monthly)

$980 SEK 9,712

$615 ₱38.7K

59.33%

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)

$3,711 SEK 36.8K

$346 ₱21.8K

972.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.8

7.2

-61.11%

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

Last update for Ludvika: 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

Ludvika

$428 27.7%

Cebu

$309 33.6% 27.8% $119

Groceries & Markets

Ludvika

$403 26.1%

Cebu

$206 22.4% 48.9% $197

Eating Out

Ludvika

$257 16.7%

Cebu

$88 9.6% 65.7% $169

Clothing & Footwear

Ludvika

$207 13.4%

Cebu

$94 10.2% 54.5% $113

Monthly Utilities & Internet

Ludvika

$164 10.6%

Cebu

$162 17.6% 1.4% $2.2

Sport & Entertainment

Ludvika

$62 4%

Cebu

$44 4.8% 29.8% $19

Getting Around

Ludvika

$23 * 1.5%

Cebu

$16 1.7% 32% $7.3

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

Cost Breakdown

A one-bedroom apartment in the center runs $448 in Ludvika and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Ludvika pays 973% 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: $65.0 in Ludvika vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $403 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇸🇪 Ludvika

🇵🇭 Cebu

🕒 Local time

13:44 1:44 PM

19:44 7:44 PM

6 h ahead of Ludvika

🌤 Weather

👥 Population

26,343

964,169

💱 Currency

Swedish Krona SEK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 SEK = 10.09 USD

100 SEK = 8.98 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to SEK – Swedish Krona Converter

🇺🇸 United States Dollar ($)

🇸🇪 Swedish Krona (kr)

Swedish Krona exchange rates as of October 18, 2026: 1 USD = 9.91 SEK (1 SEK = 0.101 USD). 1 EUR = 11.14 SEK (100 SEK = 8.98 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to SEK in detail →

On the map

Lowest

Highest

Between locations

Ludvika Cebu 10,040 km ≈ 13 h nonstop flight

From you

Ludvika
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

Ludvika vs Cebu: Cost of Living - Frequently Asked Questions

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

Average pay runs 973% higher in Ludvika, 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: $448 in Ludvika versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 96% higher in Ludvika. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,544 per month in Ludvika versus $918 in Cebu – a 68% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,544 in Ludvika, a $1,500 budget is realistic in Cebu but tight or insufficient in Ludvika. 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 Ludvika, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ludvika 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 68% less than in Ludvika. Beyond cost, consider language, visa policies, and how big the international community is in each city.