Last update: Oct 2026

Cost of Living Comparison Between Montenegro and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,323 in Montenegro, rent and utilities included – about $4,700 less a year. Other living expenses account for most of the difference.

🇲🇪 Montenegro
$1,323
/mo nomad
Cebu
🇵🇭 Philippines
$934
/mo nomad
😐 Solo nomad: Montenegro is 44.8% more expensive than Cebu without rent, and 41.6% more expensive with rent.
😐 Family of 3: Montenegro is 49.9% more expensive than Cebu without rent, and 48.8% more expensive with rent.
Currency
🍽 Eating Out
Montenegro
Cebu
Difference
Meal at Budget Restaurant
$11.18 €9.98
$3.03 ₱190
268.98%
Three-Course Dinner for Two, Mid-Range
$49.77 €44.42
$23.48 ₱1,473
111.97%
Fast Food Meal (McDonalds, etc)
$11.23 €10.02
$4.09 ₱256
174.57%
Cappuccino
$2.54 €2.27
$2.52 ₱158
0.79%
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.38 €2.12
$1.54 ₱96.9
54.55%
Water (0.33 liter bottle)
$1.53 €1.36
$0.49 ₱30.98
212.24%
Local Beer (0.5 liter draught)
$3.13 €2.79
$1.79 ₱112
74.86%
Imported Beer (0.33 liter bottle)
$3.30 €2.95
$2.26 ₱142
46.02%
🛒 Groceries & Markets
Montenegro
Cebu
Difference
Milk (1 liter)
$1.23 €1.10
$1.95 ₱122
-36.92%
White Bread (500g)
$1.04 €0.92
$1.43 ₱89.7
-27.27%
Rice (white) (1kg)
$2.03 €1.81
$1.02 ₱63.8
99.02%
Eggs
$3.32 €2.97
$2.06 ₱129
61.17%
Local Cheese (1kg)
$8.87 €7.91
$9.81 ₱615
-9.58%
Chicken Fillets (1kg)
$7.90 €7.05
$4.61 ₱289
71.37%
Beef Round Steak (1kg)
$11.87 €10.59
$7.70 ₱483
54.16%
Apples (1kg)
$1.41 €1.26
$3.31 ₱207
-57.40%
Banana (1kg)
$1.74 €1.56
$1.45 ₱90.9
20.00%
Oranges (1kg)
$1.55 €1.39
$2.36 ₱148
-34.32%
Tomato (1kg)
$2.57 €2.30
$1.54 ₱96.4
66.88%
Potato (1kg)
$0.93 €0.83
$2.36 ₱148
-60.59%
Onion (1kg)
$1.11 €0.99
$1.99 ₱125
-44.22%
Lettuce (1 head)
$1.56 €1.39
$1.15 ₱72.1
35.65%
Water (1.5 liter bottle)
$0.90 €0.80
$0.67 ₱42.15
34.33%
Cigarettes 20 Pack (Marlboro, Camel)
$4.16 €3.71
$3.00 ₱188
38.67%
Wine (Bottle)
$5.50 €4.91
$6.35 ₱398
-13.39%
Local Beer (0.5 liter bottle)
$1.10 €0.98
$1.31 ₱81.9
-16.03%
Imported Beer (0.33 liter bottle)
$1.66 €1.48
$1.73 ₱108
-4.05%
🚌 Getting Around
Montenegro
Cebu
Difference
One-way Ticket (Public Transport)
$1.36 €1.21
$0.25 ₱15.78
444.00%
Public Transport Monthly Pass (Regular Price)
$33.24 €29.66
$12.65 ₱793
162.77%
Taxi Start (Normal Tariff)
$1.10 €0.98
$0.74 ₱46.32
48.65%
Taxi (Normal Tariff) (1km)
$1.15 €1.02
$0.21 ₱13.11
447.62%
Taxi 1hour Waiting (Normal Tariff)
$12.13 €10.83
$4.33 ₱271
180.14%
Gasoline (1 liter)
$1.71 €1.53
$1.33 ₱83.5
28.57%
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$30.2K €27.0K
$21.8K ₱1.4M
38.88%
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$26.1K €23.3K
$19.4K ₱1.2M
34.40%
🧾 Monthly Utilities & Internet
Montenegro
Cebu
Difference
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$125 €111
$121 ₱7,563
3.28%
SIM Card Monthly Plan (Calls and 10GB+ Data)
$16.33 €14.57
$14.45 ₱907
13.01%
Internet (50+ Mbps, Unlimited Data)
$31.48 €28.10
$28.29 ₱1,774
11.28%
🎉 Sport & Entertainment
Montenegro
Cebu
Difference
Gym Membership (Monthly)
$46.14 €41.18
$32.68 ₱2,050
41.19%
Tennis Court (1 Hour on Weekend)
$13.52 €12.07
$6.39 ₱401
111.58%
Cinema Ticket
$5.48 €4.89
$5.46 ₱342
0.37%
🧸 Childcare & Education
Montenegro
Cebu
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$340 €304
$273 ₱17.1K
24.53%
International Primary School, 1 Child (Yearly)
$8,762 €7,819
$8,156 ₱511.5K
7.43%
👕👟 Clothing & Footwear
Montenegro
Cebu
Difference
Jeans (Levis 501 Or Similar)
$81.1 €72.3
$49.57 ₱3,109
63.53%
Summer Dress (H&M, Zara, etc)
$39.65 €35.38
$24.87 ₱1,560
59.43%
Sport Shoes (Adidas, Nike)
$95.5 €85.2
$76.6 ₱4,804
24.69%
Men's Leather Business Shoes
$113 €101
$59.3 ₱3,717
90.82%
🏠 Accommodation & Living
Montenegro
Cebu
Difference
1-bedroom Apartment, City Center (Monthly)
$627 €559
$506 ₱31.7K
23.93%
1-bedroom Apartment, Outside City Center (Monthly)
$469 €419
$309 ₱19.4K
51.67%
3-bedroom Apartment, City Center (Monthly)
$1,178 €1,051
$1,052 ₱66.0K
11.96%
3-bedroom Apartment, Outside City Center (Monthly)
$912 €814
$619 ₱38.8K
47.28%
Buy Apartment in City Center (m2)
$3,218 €2,872
$2,915 ₱182.9K
10.38%
Buy Apartment Outside City Center (m2)
$2,282 €2,037
$1,867 ₱117.1K
22.22%
💵 Salaries & Financials
Montenegro
Cebu
Difference
Average Monthly Net Salary (After Tax)
$1,024 €914
$341 ₱21.4K
200.20%
20-Year Fixed Mortgage Interest Rate (Annual %)
5.38
7.2
-25.28%

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

Last update for Montenegro: October 4, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure
Share of the monthly basket for one person, rent included.
Accommodation & Living
Montenegro
$469
Cebu
$309 34.1% $160
Groceries & Markets
Montenegro
$224
Cebu
$210 6.2% $14
Eating Out
Montenegro
$191
Cebu
$88 53.8% $103
Monthly Utilities & Internet
Montenegro
$172
Cebu
$163 5.2% $9
Clothing & Footwear
Montenegro
$148
Cebu
$95 36.1% $54
Sport & Entertainment
Montenegro
$57
Cebu
$44 23.7% $14
Getting Around
Montenegro
$46
Cebu
$15 66.1% $30
Good to know
🇲🇪 Montenegro
🇵🇭 Cebu
🕒 Local time
08:08 8:08 AM
14:08 2:08 PM
6 h ahead of Montenegro
🌤 Weather
👥 Population
617,213
964,169
💱 Currency
Euro EUR €
Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

On the map
Between locations
  • Montenegro Cebu 10,410 km ≈ 14 h nonstop flight
From you
  • Montenegro
  • 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

Montenegro vs other spots: cost of living compared

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