Last update: Oct 2026

Cost of Living Comparison Between Monza and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,016 in Monza, rent and utilities included – about $13,200 less a year. Rent and utilities account for about half of the difference.

99

Cost of Living Index in Monza
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Monza Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Monza

🇮🇹 Italy

$2,016

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,016 in Monza versus $918 in Cebu.

Monza $2,016
Cebu $918

Estimated couple costs with rent: $3,117 in Monza versus $1,409 in Cebu.

Monza $3,117
Cebu $1,409

Monthly costs for a family of three with rent: $4,217 in Monza versus $1,900 in Cebu.

Monza $4,217
Cebu $1,900

Living in Monza is roughly 120% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Monza is 49% above, Cebu is 32% below.

Meal at Budget Restaurant

$22.09 €19.65

$3.09 ₱194

614.89%

Three-Course Dinner for Two, Mid-Range

$88.8 €79.0

$24.22 ₱1,525

266.68%

Fast Food Meal (McDonalds, etc)

$11.06 €9.84

$3.92 ₱247

182.14%

Cappuccino

$1.87 €1.66

$2.51 ₱158

-25.50%

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

$3.48 €3.10

$1.59 ₱100

118.87%

Water (0.33 liter bottle)

$1.29 €1.15

$0.53 ₱33.43

143.40%

Local Beer (0.5 liter draught)

$5.66 €5.04

$1.78 ₱112

217.98%

Imported Beer (0.33 liter bottle)

$5.96 €5.30

$2.17 ₱137

174.65%

Milk (1 liter)

$1.43 €1.27

$1.92 ₱121

-25.52%

White Bread (500g)

$2.29 €2.04

$1.36 ₱85.4

68.38%

Rice (white) (1kg)

$3.61 €3.21

$1.01 ₱63.5

257.43%

Eggs

$3.37 €3.00

$2.03 ₱128

66.01%

Local Cheese (1kg)

$22.44 €19.96

$9.86 ₱621

127.59%

Chicken Fillets (1kg)

$14.36 €12.77

$4.39 ₱277

227.11%

Beef Round Steak (1kg)

$22.25 €19.79

$7.60 ₱479

192.76%

Apples (1kg)

$2.83 €2.52

$3.30 ₱208

-14.24%

Banana (1kg)

$1.79 €1.60

$1.39 ₱87.8

28.78%

Oranges (1kg)

$3.27 €2.91

$2.33 ₱147

40.34%

Tomato (1kg)

$3.27 €2.91

$1.50 ₱94.3

118.00%

Potato (1kg)

$2.03 €1.81

$2.36 ₱149

-13.98%

Onion (1kg)

$1.95 €1.73

$1.90 ₱119

2.63%

Lettuce (1 head)

$1.80 €1.61

$1.19 ₱74.9

51.26%

Water (1.5 liter bottle)

$0.62 €0.55

$0.63 ₱39.71

-1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$6.58 €5.85

$3.00 ₱189

119.33%

Wine (Bottle)

$5.54 €4.93

$6.03 ₱379

-8.13%

Local Beer (0.5 liter bottle)

$1.91 €1.70

$1.23 ₱77.7

55.28%

Imported Beer (0.33 liter bottle)

$2.22 €1.97

$1.75 ₱110

26.86%

One-way Ticket (Public Transport)

$3.03 €2.70

$0.25 ₱15.86

1112.00%

Public Transport Monthly Pass (Regular Price)

$66.6 €59.2

$12.64 ₱796

426.50%

Taxi Start (Normal Tariff)

$7.59 €6.75

$0.77 ₱48.62

885.71%

Taxi (Normal Tariff) (1km)

$1.21 €1.08

$0.23 ₱14.53

426.09%

Taxi 1hour Waiting (Normal Tariff)

$34.56 €30.74

$4.46 ₱281

674.89%

Gasoline (1 liter)

$2.02 €1.80

$1.31 ₱82.8

54.20%

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

$36.3K €32.3K

$21.2K ₱1.3M

71.01%

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

$35.4K €31.5K

$19.1K ₱1.2M

84.88%

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

$196 €174

$120 ₱7,569

63.05%

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

$10.42 €9.27

$14.00 ₱882

-25.57%

Internet (50+ Mbps, Unlimited Data)

$26.75 €23.79

$27.54 ₱1,734

-2.87%

Gym Membership (Monthly)

$47.30 €42.07

$32.33 ₱2,035

46.30%

Tennis Court (1 Hour on Weekend)

$39.76 €35.36

$6.65 ₱419

497.89%

Cinema Ticket

$12.63 €11.24

$5.65 ₱356

123.54%

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

$831 €739

$275 ₱17.3K

201.89%

International Primary School, 1 Child (Yearly)

$19.0K €16.9K

$7,918 ₱498.5K

139.38%

Jeans (Levis 501 Or Similar)

$90.8 €80.8

$49.33 ₱3,106

84.11%

Summer Dress (H&M, Zara, etc)

$44.13 €39.25

$25.24 ₱1,589

74.84%

Sport Shoes (Adidas, Nike)

$108 €96.1

$77.0 ₱4,846

40.35%

Men's Leather Business Shoes

$166 €148

$57.2 ₱3,601

190.59%

1-bedroom Apartment, City Center (Monthly)

$1,013 €901

$500 ₱31.5K

102.85%

1-bedroom Apartment, Outside City Center (Monthly)

$767 €682

$309 ₱19.4K

148.44%

3-bedroom Apartment, City Center (Monthly)

$1,950 €1,735

$1,078 ₱67.9K

80.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,261 €1,122

$615 ₱38.7K

105.04%

Buy Apartment in City Center (m2)

$4,329 €3,850

$2,886 ₱181.7K

49.99%

Buy Apartment Outside City Center (m2)

$2,967 €2,640

$1,917 ₱120.7K

54.83%

Average Monthly Net Salary (After Tax)

$1,939 €1,725

$346 ₱21.8K

460.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.62

7.2

-49.72%

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

Last update for Monza: 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

Monza

$767 38.1%

Cebu

$309 33.6% 59.7% $458

Groceries & Markets

Monza

$375 18.6%

Cebu

$206 22.4% 45.1% $169

Eating Out

Monza

$292 14.5%

Cebu

$88 9.6% 69.7% $203

Monthly Utilities & Internet

Monza

$233 11.6%

Cebu

$162 17.6% 30.6% $71

Clothing & Footwear

Monza

$184 9.1%

Cebu

$94 10.2% 49% $90

Getting Around

Monza

$92 4.6%

Cebu

$16 1.7% 83.1% $77

Sport & Entertainment

Monza

$73 3.6%

Cebu

$44 4.8% 39.9% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,013 in Monza and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Monza pays 461% 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: $89.0 in Monza vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $375 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Monza

🇵🇭 Cebu

🕒 Local time

17:30 5:30 PM

23:30 11:30 PM

6 h ahead of Monza

🌤 Weather

👥 Population

120,204

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 19, 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

Monza Cebu 11,030 km ≈ 14 h nonstop flight

From you

Monza
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

Monza vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 120% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 461% higher in Monza, 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: $1,013 in Monza versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,016 per month in Monza versus $918 in Cebu – a 120% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 427% less than in Monza. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,016 in Monza, a $1,500 budget is realistic in Cebu but tight or insufficient in Monza. 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 Monza, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Monza 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 120% less than in Monza. Beyond cost, consider language, visa policies, and how big the international community is in each city.