Last update: Oct 2026

Cost of Living Comparison Between Ludza and Cebu

For one person, living costs are similar in Ludza and in Cebu: $955 and $915 a month, rent and utilities included.

46

Cost of Living Index in Ludza
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Ludza Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Ludza

🇱🇻 Latvia

$955

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $955 in Ludza versus $915 in Cebu.

Ludza $955
Cebu $915

Estimated couple costs with rent: $1,505 in Ludza versus $1,418 in Cebu.

Ludza $1,505
Cebu $1,418

Monthly costs for a family of three with rent: $2,055 in Ludza versus $1,921 in Cebu.

Ludza $2,055
Cebu $1,921

Living in Ludza is roughly 4% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Ludza 30% lower, Cebu 33% lower.

Meal at Budget Restaurant

$7.89 €7.02

$3.05 ₱192

158.69%

Three-Course Dinner for Two, Mid-Range

$68.2 €60.7

$24.00 ₱1,511

184.33%

Fast Food Meal (McDonalds, etc)

$9.45 €8.40

$3.99 ₱251

136.84%

Cappuccino

$3.62 €3.22

$2.50 ₱157

44.80%

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

$1.58 €1.40

$1.54 ₱97.1

2.60%

Water (0.33 liter bottle)

$1.15 €1.03

$0.50 ₱31.37

130.00%

Local Beer (0.5 liter draught)

$5.53 €4.91

$1.78 ₱112

210.67%

Imported Beer (0.33 liter bottle)

$5.12 €4.55

$2.17 ₱136

135.94%

Milk (1 liter)

$1.20 €1.07

$2.00 ₱126

-40.00%

White Bread (500g)

$1.50 €1.33

$1.37 ₱86.2

9.49%

Rice (white) (1kg)

$2.41 €2.14

$1.03 ₱64.9

133.98%

Eggs

$3.73 €3.32

$2.03 ₱128

83.74%

Local Cheese (1kg)

$10.67 €9.49

$10.20 ₱642

4.61%

Chicken Fillets (1kg)

$8.72 €7.76

$4.45 ₱280

95.96%

Beef Round Steak (1kg)

$13.98 €12.44

$7.67 ₱483

82.27%

Apples (1kg)

$0.67 €0.60

$3.31 ₱208

-79.76%

Banana (1kg)

$1.45 €1.29

$1.46 ₱91.8

-0.68%

Oranges (1kg)

$1.79 €1.59

$2.32 ₱146

-22.84%

Tomato (1kg)

$3.24 €2.88

$1.49 ₱94.0

117.45%

Potato (1kg)

$0.83 €0.74

$2.34 ₱147

-64.53%

Onion (1kg)

$0.90 €0.80

$1.94 ₱122

-53.61%

Lettuce (1 head)

$1.69 €1.51

$1.16 ₱73.0

45.69%

Water (1.5 liter bottle)

$0.90 €0.80

$0.68 ₱42.89

32.35%

Cigarettes 20 Pack (Marlboro, Camel)

$6.78 €6.03

$2.99 ₱188

126.76%

Wine (Bottle)

$7.92 €7.04

$6.24 ₱393

26.92%

Local Beer (0.5 liter bottle)

$1.97 €1.75

$1.23 ₱77.3

60.16%

Imported Beer (0.33 liter bottle)

$2.07 €1.84

$1.73 ₱109

19.65%

One-way Ticket (Public Transport)

$2.28 €2.03

$0.23 ₱14.36

891.30%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$3.32 €2.95

$0.79 ₱49.96

320.25%

Taxi (Normal Tariff) (1km)

$1.01 €0.90

$0.22 ₱13.86

359.09%

Taxi 1hour Waiting (Normal Tariff)

$17.39 €15.47

$4.54 ₱286

283.04%

Gasoline (1 liter)

$1.86 €1.66

$1.32 ₱82.9

40.91%

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

$27.2K €24.2K

$21.0K ₱1.3M

29.39%

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

$30.7K €27.3K

$19.4K ₱1.2M

58.32%

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

$285 €253

$119 ₱7,464

140.19%

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

$19.76 €17.57

$14.22 ₱896

38.96%

Internet (50+ Mbps, Unlimited Data)

$19.92 €17.72

$27.47 ₱1,730

-27.48%

Gym Membership (Monthly)

$32.31 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$11.29 €10.04

$5.40 ₱340

109.07%

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

$675 €601

$276 ₱17.4K

144.64%

International Primary School, 1 Child (Yearly)

$18.0K €16.0K

$7,866 ₱495.3K

128.92%

Jeans (Levis 501 Or Similar)

$69.0 €61.4

$49.37 ₱3,108

39.82%

Summer Dress (H&M, Zara, etc)

$49.26 €43.82

$24.58 ₱1,548

100.41%

Sport Shoes (Adidas, Nike)

$77.6 €69.0

$76.6 ₱4,825

1.28%

Men's Leather Business Shoes

$139 €124

$58.9 ₱3,706

136.99%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

Average Monthly Net Salary (After Tax)

$620 €551

$336 ₱21.1K

84.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.77

7.2

-33.75%

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

Last update for Ludza: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Ludza

$324 34%

Cebu

$160 17.5% 50.6% $164

Groceries & Markets

Ludza

$256 26.8%

Cebu

$210 22.9% 18.2% $46

Eating Out

Ludza

$184 19.2%

Cebu

$88 9.6% 52.2% $96

Clothing & Footwear

Ludza

$151 15.8%

Cebu

$94 10.3% 37.6% $57

Sport & Entertainment

Ludza

$23 * 2.4%

Cebu

$43 4.7% 90.9% $21

Getting Around

Ludza

$18 * 1.8%

Cebu

$15 1.7% 13.5% $2.4

Accommodation & Living

Ludza

- * 0%

Cebu

$305 33.3%

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

Cost Breakdown

Ludza pays 84% 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: $68.0 in Ludza vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $256 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇱🇻 Ludza

🇵🇭 Cebu

🕒 Local time

22:55 10:55 PM

03:55 3:55 AM

5 h ahead of Ludza

🌤 Weather

👥 Population

8,500

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 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Ludza Cebu 9,430 km ≈ 12 h nonstop flight

From you

Ludza
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

Ludza vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 4% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 84% higher in Ludza, 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 22% higher in Ludza. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $955 per month in Ludza versus $915 in Cebu – a 4% 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 Ludza, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ludza 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 4% less than in Ludza. Beyond cost, consider language, visa policies, and how big the international community is in each city.