Last update: Oct 2026

Cost of Living Comparison Between Makarska and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,586 in Makarska, rent and utilities included – about $8,000 less a year. Other living expenses account for most of the difference.

78

Cost of Living Index in Makarska
Learn more

Makarska Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Makarska

🇭🇷 Croatia

$1,586

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,586 in Makarska versus $918 in Cebu.

Makarska $1,586
Cebu $918

Estimated couple costs with rent: $2,463 in Makarska versus $1,409 in Cebu.

Makarska $2,463
Cebu $1,409

Monthly costs for a family of three with rent: $3,339 in Makarska versus $1,900 in Cebu.

Makarska $3,339
Cebu $1,900

Living in Makarska is roughly 73% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Makarska is 17% above, Cebu is 32% below.

Meal at Budget Restaurant

$17.45 €15.52

$3.09 ₱194

464.72%

Three-Course Dinner for Two, Mid-Range

$79.0 €70.3

$24.22 ₱1,525

226.09%

Fast Food Meal (McDonalds, etc)

$7.89 €7.02

$3.92 ₱247

101.28%

Cappuccino

$3.34 €2.97

$2.51 ₱158

33.07%

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

$4.00 €3.56

$1.59 ₱100

151.57%

Water (0.33 liter bottle)

$3.06 €2.73

$0.53 ₱33.43

477.36%

Local Beer (0.5 liter draught)

$5.64 €5.02

$1.78 ₱112

216.85%

Imported Beer (0.33 liter bottle)

$4.54 €4.04

$2.17 ₱137

109.22%

Milk (1 liter)

$1.13 €1.01

$1.92 ₱121

-41.15%

White Bread (500g)

$1.70 €1.51

$1.36 ₱85.4

25.00%

Rice (white) (1kg)

$3.07 €2.73

$1.01 ₱63.5

203.96%

Eggs

$4.89 €4.35

$2.03 ₱128

140.89%

Local Cheese (1kg)

$15.33 €13.63

$9.86 ₱621

55.48%

Chicken Fillets (1kg)

$9.49 €8.45

$4.39 ₱277

116.17%

Beef Round Steak (1kg)

$11.73 €10.43

$7.60 ₱479

54.34%

Apples (1kg)

$1.96 €1.74

$3.30 ₱208

-40.61%

Banana (1kg)

$1.51 €1.35

$1.39 ₱87.8

8.63%

Oranges (1kg)

$2.10 €1.87

$2.33 ₱147

-9.87%

Tomato (1kg)

$2.67 €2.38

$1.50 ₱94.3

78.00%

Potato (1kg)

$2.22 €1.97

$2.36 ₱149

-5.93%

Onion (1kg)

$2.01 €1.79

$1.90 ₱119

5.79%

Lettuce (1 head)

$1.53 €1.36

$1.19 ₱74.9

28.57%

Water (1.5 liter bottle)

$1.63 €1.45

$0.63 ₱39.71

158.73%

Cigarettes 20 Pack (Marlboro, Camel)

$5.55 €4.94

$3.00 ₱189

85.00%

Wine (Bottle)

$7.65 €6.80

$6.03 ₱379

26.87%

Local Beer (0.5 liter bottle)

$1.37 €1.22

$1.23 ₱77.7

11.38%

Imported Beer (0.33 liter bottle)

$1.49 €1.32

$1.75 ₱110

-14.86%

One-way Ticket (Public Transport)

$1.53 €1.36

$0.25 ₱15.86

512.00%

Public Transport Monthly Pass (Regular Price)

$39.51 €35.14

$12.64 ₱796

212.58%

Taxi Start (Normal Tariff)

$3.09 €2.75

$0.77 ₱48.62

301.30%

Taxi (Normal Tariff) (1km)

$1.43 €1.27

$0.23 ₱14.53

521.74%

Taxi 1hour Waiting (Normal Tariff)

$12.02 €10.69

$4.46 ₱281

169.51%

Gasoline (1 liter)

$1.67 €1.49

$1.31 ₱82.8

27.48%

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

$25.9K €23.1K

$21.2K ₱1.3M

22.01%

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

$24.9K €22.2K

$19.1K ₱1.2M

30.21%

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

$177 €158

$120 ₱7,569

47.56%

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

$27.30 €24.28

$14.00 ₱882

95.00%

Internet (50+ Mbps, Unlimited Data)

$42.91 €38.17

$27.54 ₱1,734

55.81%

Gym Membership (Monthly)

$46.14 €41.04

$32.33 ₱2,035

42.72%

Tennis Court (1 Hour on Weekend)

$16.43 €14.61

$6.65 ₱419

147.07%

Cinema Ticket

$8.98 €7.99

$5.65 ₱356

58.94%

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

$413 €368

$275 ₱17.3K

50.10%

International Primary School, 1 Child (Yearly)

$6,923 €6,158

$7,918 ₱498.5K

-12.57%

Jeans (Levis 501 Or Similar)

$87.7 €78.0

$49.33 ₱3,106

77.68%

Summer Dress (H&M, Zara, etc)

$45.07 €40.09

$25.24 ₱1,589

78.57%

Sport Shoes (Adidas, Nike)

$105 €93.5

$77.0 ₱4,846

36.63%

Men's Leather Business Shoes

$79.2 €70.4

$57.2 ₱3,601

38.43%

1-bedroom Apartment, City Center (Monthly)

$692 €616

$500 ₱31.5K

38.59%

1-bedroom Apartment, Outside City Center (Monthly)

$516 €459

$309 ₱19.4K

67.13%

3-bedroom Apartment, City Center (Monthly)

$1,197 €1,065

$1,078 ₱67.9K

11.04%

3-bedroom Apartment, Outside City Center (Monthly)

$877 €780

$615 ₱38.7K

42.53%

Buy Apartment in City Center (m2)

$3,594 €3,197

$2,886 ₱181.7K

24.53%

Buy Apartment Outside City Center (m2)

$3,232 €2,875

$1,917 ₱120.7K

68.65%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

7.2

-48.33%

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

Last update for Makarska: 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

Makarska

$516 32.5%

Cebu

$309 33.6% 40.2% $207

Groceries & Markets

Makarska

$291 18.3%

Cebu

$206 22.4% 29.2% $85

Eating Out

Makarska

$269 17%

Cebu

$88 9.6% 67.2% $181

Monthly Utilities & Internet

Makarska

$248 15.6%

Cebu

$162 17.6% 34.7% $86

Clothing & Footwear

Makarska

$143 9%

Cebu

$94 10.2% 34.2% $49

Sport & Entertainment

Makarska

$64 4%

Cebu

$44 4.8% 32% $20

Getting Around

Makarska

$56 3.5%

Cebu

$16 1.7% 72.1% $40

Cost Breakdown

A one-bedroom apartment in the center runs $692 in Makarska and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $79.0 in Makarska vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $291 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Makarska

🇵🇭 Cebu

🕒 Local time

14:17 2:17 PM

20:17 8:17 PM

6 h ahead of Makarska

🌤 Weather

👥 Population

12,809

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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

Lowest

Highest

Between locations

Makarska Cebu 10,550 km ≈ 14 h nonstop flight

From you

Makarska
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

Makarska vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 73% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,379 in Makarska and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $692 in Makarska versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,586 per month in Makarska versus $918 in Cebu – a 73% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 213% less than in Makarska. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,586 in Makarska, a $1,500 budget is realistic in Cebu but tight or insufficient in Makarska. 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 Makarska, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Makarska 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 73% less than in Makarska. Beyond cost, consider language, visa policies, and how big the international community is in each city.