Last update: Oct 2026

Cost of Living Comparison Between Montecatini Terme and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,770 in Montecatini Terme, rent and utilities included – about $10,200 less a year. Other living expenses account for most of the difference.

86

Cost of Living Index in Montecatini Terme
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Montecatini Terme Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Montecatini Terme

🇮🇹 Italy

$1,770

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,770 in Montecatini Terme versus $918 in Cebu.

Montecatini Terme $1,770
Cebu $918

Estimated couple costs with rent: $2,747 in Montecatini Terme versus $1,409 in Cebu.

Montecatini Terme $2,747
Cebu $1,409

Monthly costs for a family of three with rent: $3,725 in Montecatini Terme versus $1,900 in Cebu.

Montecatini Terme $3,725
Cebu $1,900

Living in Montecatini Terme is roughly 93% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Montecatini Terme is 31% above, Cebu is 32% below.

Meal at Budget Restaurant

$22.76 €20.24

$3.09 ₱194

636.57%

Three-Course Dinner for Two, Mid-Range

$91.0 €81.0

$24.22 ₱1,525

275.81%

Fast Food Meal (McDonalds, etc)

$13.20 €11.74

$3.92 ₱247

236.73%

Cappuccino

$1.90 €1.69

$2.51 ₱158

-24.30%

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

$3.07 €2.73

$1.59 ₱100

93.08%

Water (0.33 liter bottle)

$1.58 €1.40

$0.53 ₱33.43

198.11%

Local Beer (0.5 liter draught)

$6.82 €6.06

$1.78 ₱112

283.15%

Imported Beer (0.33 liter bottle)

$5.56 €4.95

$2.17 ₱137

156.22%

Milk (1 liter)

$1.44 €1.28

$1.92 ₱121

-25.00%

White Bread (500g)

$2.45 €2.18

$1.36 ₱85.4

80.15%

Rice (white) (1kg)

$1.69 €1.51

$1.01 ₱63.5

67.33%

Eggs

$5.01 €4.46

$2.03 ₱128

146.80%

Local Cheese (1kg)

$19.73 €17.55

$9.86 ₱621

100.10%

Chicken Fillets (1kg)

$14.15 €12.59

$4.39 ₱277

222.32%

Beef Round Steak (1kg)

$21.53 €19.15

$7.60 ₱479

183.29%

Apples (1kg)

$2.59 €2.30

$3.30 ₱208

-21.52%

Banana (1kg)

$2.56 €2.27

$1.39 ₱87.8

84.17%

Oranges (1kg)

$3.11 €2.77

$2.33 ₱147

33.48%

Tomato (1kg)

$3.13 €2.78

$1.50 ₱94.3

108.67%

Potato (1kg)

$2.47 €2.20

$2.36 ₱149

4.66%

Onion (1kg)

$1.79 €1.60

$1.90 ₱119

-5.79%

Lettuce (1 head)

$1.43 €1.27

$1.19 ₱74.9

20.17%

Water (1.5 liter bottle)

$0.72 €0.64

$0.63 ₱39.71

14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$6.72 €5.98

$3.00 ₱189

124.00%

Wine (Bottle)

$9.11 €8.10

$6.03 ₱379

51.08%

Local Beer (0.5 liter bottle)

$1.56 €1.38

$1.23 ₱77.7

26.83%

Imported Beer (0.33 liter bottle)

$2.51 €2.23

$1.75 ₱110

43.43%

One-way Ticket (Public Transport)

$1.72 €1.53

$0.25 ₱15.86

588.00%

Public Transport Monthly Pass (Regular Price)

$44.17 €39.29

$12.64 ₱796

249.45%

Taxi Start (Normal Tariff)

$6.74 €6.00

$0.77 ₱48.62

775.32%

Taxi (Normal Tariff) (1km)

$1.40 €1.24

$0.23 ₱14.53

508.70%

Taxi 1hour Waiting (Normal Tariff)

$31.57 €28.08

$4.46 ₱281

607.85%

Gasoline (1 liter)

$2.10 €1.86

$1.31 ₱82.8

60.31%

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

$36.0K €32.1K

$21.2K ₱1.3M

69.68%

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

$35.3K €31.4K

$19.1K ₱1.2M

84.16%

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

$188 €167

$120 ₱7,569

56.21%

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

$13.03 €11.59

$14.00 ₱882

-6.93%

Internet (50+ Mbps, Unlimited Data)

$30.94 €27.52

$27.54 ₱1,734

12.35%

Gym Membership (Monthly)

$58.0 €51.6

$32.33 ₱2,035

79.28%

Tennis Court (1 Hour on Weekend)

$21.54 €19.16

$6.65 ₱419

223.91%

Cinema Ticket

$11.04 €9.82

$5.65 ₱356

95.40%

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

$583 €519

$275 ₱17.3K

111.74%

International Primary School, 1 Child (Yearly)

$15.0K €13.4K

$7,918 ₱498.5K

89.66%

Jeans (Levis 501 Or Similar)

$83.0 €73.9

$49.33 ₱3,106

68.34%

Summer Dress (H&M, Zara, etc)

$41.62 €37.02

$25.24 ₱1,589

64.90%

Sport Shoes (Adidas, Nike)

$97.1 €86.4

$77.0 ₱4,846

26.20%

Men's Leather Business Shoes

$107 €94.7

$57.2 ₱3,601

86.19%

1-bedroom Apartment, City Center (Monthly)

$769 €684

$500 ₱31.5K

53.87%

1-bedroom Apartment, Outside City Center (Monthly)

$565 €502

$309 ₱19.4K

82.86%

3-bedroom Apartment, City Center (Monthly)

$1,075 €956

$1,078 ₱67.9K

-0.26%

3-bedroom Apartment, Outside City Center (Monthly)

$868 €772

$615 ₱38.7K

41.13%

Buy Apartment in City Center (m2)

$2,984 €2,654

$2,886 ₱181.7K

3.39%

Buy Apartment Outside City Center (m2)

$1,738 €1,546

$1,917 ₱120.7K

-9.29%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.29

7.2

-54.31%

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

Last update for Montecatini Terme: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Montecatini Terme

$565 31.9%

Cebu

$309 33.6% 45.3% $256

Groceries & Markets

Montecatini Terme

$373 21.1%

Cebu

$206 22.4% 44.8% $167

Eating Out

Montecatini Terme

$308 17.4%

Cebu

$88 9.6% 71.4% $220

Monthly Utilities & Internet

Montecatini Terme

$232 13.1%

Cebu

$162 17.6% 30.2% $70

Clothing & Footwear

Montecatini Terme

$148 8.3%

Cebu

$94 10.2% 36.4% $54

Sport & Entertainment

Montecatini Terme

$80 4.5%

Cebu

$44 4.8% 45.5% $36

Getting Around

Montecatini Terme

$65 3.7%

Cebu

$16 1.7% 76% $49

Cost Breakdown

A one-bedroom apartment in the center runs $769 in Montecatini Terme and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $91.0 in Montecatini Terme vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $373 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Montecatini Terme

🇵🇭 Cebu

🕒 Local time

05:33 5:33 AM

11:33 11:33 AM

6 h ahead of Montecatini Terme

🌤 Weather

👥 Population

20,409

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 →

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Montecatini Terme Cebu 11,000 km ≈ 14 h nonstop flight

From you

Montecatini Terme
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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

Montecatini Terme vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 93% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,655 in Montecatini Terme 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: $769 in Montecatini Terme versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,770 per month in Montecatini Terme versus $918 in Cebu – a 93% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 249% less than in Montecatini Terme. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,770 in Montecatini Terme, a $1,500 budget is realistic in Cebu but tight or insufficient in Montecatini Terme. 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 Montecatini Terme, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Montecatini Terme 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 93% less than in Montecatini Terme. Beyond cost, consider language, visa policies, and how big the international community is in each city.