Last update: Oct 2026

Cost of Living Comparison Between Mudgee and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,610 in Mudgee, rent and utilities included – about $20,300 less a year. Rent and utilities account for most of the difference.

119

Cost of Living Index in Mudgee
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Mudgee Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Mudgee

🇦🇺 Australia

$2,610

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,610 in Mudgee versus $918 in Cebu.

Mudgee $2,610
Cebu $918

Estimated couple costs with rent: $3,479 in Mudgee versus $1,409 in Cebu.

Mudgee $3,479
Cebu $1,409

Monthly costs for a family of three with rent: $4,349 in Mudgee versus $1,900 in Cebu.

Mudgee $4,349
Cebu $1,900

Living in Mudgee is roughly 184% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Mudgee is 93% above, Cebu is 32% below.

Meal at Budget Restaurant

$17.11 A$24.51

$3.09 ₱194

453.72%

Three-Course Dinner for Two, Mid-Range

$83.0 A$119

$24.22 ₱1,519

242.65%

Fast Food Meal (McDonalds, etc)

$9.14 A$13.09

$3.92 ₱246

133.16%

Cappuccino

$3.50 A$5.01

$2.51 ₱157

39.44%

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

$2.41 A$3.45

$1.59 ₱99.8

51.57%

Water (0.33 liter bottle)

$2.11 A$3.02

$0.53 ₱33.31

298.11%

Local Beer (0.5 liter draught)

$6.90 A$9.88

$1.78 ₱112

287.64%

Imported Beer (0.33 liter bottle)

$7.17 A$10.27

$2.17 ₱136

230.41%

Milk (1 liter)

$1.19 A$1.70

$1.92 ₱120

-38.02%

White Bread (500g)

$2.82 A$4.04

$1.36 ₱85.1

107.35%

Rice (white) (1kg)

$2.07 A$2.96

$1.01 ₱63.3

104.95%

Eggs

$4.03 A$5.78

$2.03 ₱127

98.52%

Local Cheese (1kg)

$8.52 A$12.21

$9.86 ₱619

-13.59%

Chicken Fillets (1kg)

$7.52 A$10.78

$4.39 ₱276

71.30%

Beef Round Steak (1kg)

$8.11 A$11.62

$7.60 ₱477

6.71%

Apples (1kg)

$3.01 A$4.31

$3.30 ₱207

-8.79%

Banana (1kg)

$2.44 A$3.49

$1.39 ₱87.4

75.54%

Oranges (1kg)

$3.41 A$4.89

$2.33 ₱146

46.35%

Tomato (1kg)

$4.20 A$6.02

$1.50 ₱93.9

180.00%

Potato (1kg)

$2.29 A$3.28

$2.36 ₱148

-2.97%

Onion (1kg)

$2.56 A$3.67

$1.90 ₱119

34.74%

Lettuce (1 head)

$2.57 A$3.68

$1.19 ₱74.6

115.97%

Water (1.5 liter bottle)

$1.83 A$2.62

$0.63 ₱39.56

190.48%

Cigarettes 20 Pack (Marlboro, Camel)

$45.08 A$64.6

$3.00 ₱188

1402.67%

Wine (Bottle)

$13.68 A$19.60

$6.03 ₱378

126.87%

Local Beer (0.5 liter bottle)

$4.53 A$6.49

$1.23 ₱77.4

268.29%

Imported Beer (0.33 liter bottle)

$4.24 A$6.08

$1.75 ₱110

142.29%

One-way Ticket (Public Transport)

$3.22 A$4.61

$0.25 ₱15.80

1188.00%

Public Transport Monthly Pass (Regular Price)

$70.0 A$100

$12.64 ₱792

453.96%

Taxi Start (Normal Tariff)

$3.56 A$5.11

$0.77 ₱48.43

362.34%

Taxi (Normal Tariff) (1km)

$1.70 A$2.44

$0.23 ₱14.47

639.13%

Taxi 1hour Waiting (Normal Tariff)

$41.13 A$58.9

$4.46 ₱279

822.20%

Gasoline (1 liter)

$1.38 A$1.97

$1.31 ₱82.5

5.34%

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

$39.5K A$56.5K

$21.2K ₱1.3M

85.78%

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

$24.5K A$35.1K

$19.1K ₱1.2M

27.85%

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

$235 A$337

$120 ₱7,540

95.43%

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

$31.08 A$44.53

$14.00 ₱878

122.00%

Internet (50+ Mbps, Unlimited Data)

$51.1 A$73.1

$27.54 ₱1,727

85.40%

Gym Membership (Monthly)

$54.7 A$78.3

$32.33 ₱2,028

69.04%

Tennis Court (1 Hour on Weekend)

$15.96 A$22.86

$6.65 ₱417

140.00%

Cinema Ticket

$13.35 A$19.12

$5.65 ₱354

136.28%

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

$2,150 A$3,080

$275 ₱17.3K

681.06%

International Primary School, 1 Child (Yearly)

$17.7K A$25.3K

$7,918 ₱496.6K

122.99%

Jeans (Levis 501 Or Similar)

$70.8 A$101

$49.33 ₱3,094

43.44%

Summer Dress (H&M, Zara, etc)

$60.5 A$86.7

$25.24 ₱1,583

139.78%

Sport Shoes (Adidas, Nike)

$145 A$207

$77.0 ₱4,827

88.06%

Men's Leather Business Shoes

$111 A$158

$57.2 ₱3,587

93.25%

1-bedroom Apartment, City Center (Monthly)

$1,403 A$2,009

$500 ₱31.3K

180.80%

1-bedroom Apartment, Outside City Center (Monthly)

$1,350 A$1,934

$309 ₱19.4K

337.17%

3-bedroom Apartment, City Center (Monthly)

$2,406 A$3,446

$1,078 ₱67.6K

123.21%

3-bedroom Apartment, Outside City Center (Monthly)

$1,566 A$2,243

$615 ₱38.6K

154.53%

Buy Apartment in City Center (m2)

$4,974 A$7,126

$2,886 ₱181.0K

72.35%

Buy Apartment Outside City Center (m2)

$4,752 A$6,808

$1,917 ₱120.2K

147.96%

Average Monthly Net Salary (After Tax)

$5,595 A$8,014

$346 ₱21.7K

1517.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-30.56%

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

Last update for Mudgee: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Mudgee

$1.4K 51.7%

Cebu

$309 33.6% 77.1% $1K

Groceries & Markets

Mudgee

$319 12.2%

Cebu

$206 22.4% 35.5% $113

Monthly Utilities & Internet

Mudgee

$317 12.2%

Cebu

$162 17.6% 49% $155

Eating Out

Mudgee

$273 10.5%

Cebu

$88 9.6% 67.7% $185

Clothing & Footwear

Mudgee

$174 6.7%

Cebu

$94 10.2% 46% $80

Getting Around

Mudgee

$95 3.6%

Cebu

$16 1.7% 83.6% $79

Sport & Entertainment

Mudgee

$81 3.1%

Cebu

$44 4.8% 46.4% $38

Cost Breakdown

A one-bedroom apartment in the center runs $1,403 in Mudgee and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Mudgee pays 1517% 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: $83.0 in Mudgee vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $319 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇦🇺 Mudgee

🇵🇭 Cebu

🕒 Local time

08:08 8:08 AM

05:08 5:08 AM

3 h behind Mudgee

🌤 Weather

👥 Population

11,563

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.698 USD

1 AUD = 0.624 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 13, 2026: 1 USD = 1.43 AUD (1 AUD = 0.698 USD). 1 EUR = 1.6 AUD (1 AUD = 0.624 EUR).

Philippine Peso exchange rates as of October 13, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.19 PHP (100 PHP = 1.42 EUR).

USD to AUD in detail →

On the map

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Between locations

Mudgee Cebu 5,490 km ≈ 7 h nonstop flight

From you

Mudgee
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

Mudgee vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 184% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1517% higher in Mudgee, 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: $1,403 in Mudgee versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,610 per month in Mudgee versus $918 in Cebu – a 184% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 454% less than in Mudgee. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,610 in Mudgee, a $1,500 budget is realistic in Cebu but tight or insufficient in Mudgee. 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 Mudgee, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Mudgee 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 184% less than in Mudgee. Beyond cost, consider language, visa policies, and how big the international community is in each city.