Last update: Oct 2026

Cost of Living Comparison Between Mumbai (Bombay) and Cebu

For one person, living is cheaper in Mumbai (Bombay): $769 a month against $934 in Cebu, rent and utilities included – about $2,000 less a year. Other living expenses account for most of the difference.

38

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Mumbai (Bombay)

🇮🇳 India

$769

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $769 in Mumbai (Bombay) versus $934 in Cebu.

Mumbai (Bombay) $769
Cebu $934

Estimated couple costs with rent: $1,281 in Mumbai (Bombay) versus $1,415 in Cebu.

Mumbai (Bombay) $1,281
Cebu $1,415

Monthly costs for a family of three with rent: $1,793 in Mumbai (Bombay) versus $1,896 in Cebu.

Mumbai (Bombay) $1,793
Cebu $1,896

Living in Mumbai (Bombay) costs roughly 18% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Mumbai (Bombay) 43% lower, Cebu 30% lower.

Meal at Budget Restaurant

$5.29 ₹512

$3.03 ₱191

74.59%

Three-Course Dinner for Two, Mid-Range

$21.16 ₹2,048

$23.48 ₱1,476

-9.88%

Fast Food Meal (McDonalds, etc)

$4.08 ₹394

$4.09 ₱257

-0.24%

Cappuccino

$2.61 ₹253

$2.52 ₱158

3.57%

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

$0.36 ₹35.00

$1.54 ₱97.2

-76.62%

Water (0.33 liter bottle)

$0.13 ₹12.56

$0.49 ₱31.06

-73.47%

Local Beer (0.5 liter draught)

$2.63 ₹255

$1.79 ₱113

46.93%

Imported Beer (0.33 liter bottle)

$4.12 ₹398

$2.26 ₱142

82.30%

Milk (1 liter)

$0.73 ₹70.5

$1.95 ₱122

-62.56%

White Bread (500g)

$0.50 ₹48.39

$1.43 ₱89.9

-65.03%

Rice (white) (1kg)

$0.76 ₹73.6

$1.02 ₱64.0

-25.49%

Eggs

$1.00 ₹96.9

$2.06 ₱129

-51.46%

Local Cheese (1kg)

$5.56 ₹538

$9.81 ₱617

-43.32%

Chicken Fillets (1kg)

$3.60 ₹349

$4.61 ₱290

-21.91%

Beef Round Steak (1kg)

$7.70 ₱484

Apples (1kg)

$2.15 ₹208

$3.31 ₱208

-35.05%

Banana (1kg)

$0.72 ₹69.8

$1.45 ₱91.2

-50.34%

Oranges (1kg)

$1.24 ₹120

$2.36 ₱148

-47.46%

Tomato (1kg)

$0.50 ₹48.21

$1.54 ₱96.6

-67.53%

Potato (1kg)

$0.34 ₹32.59

$2.36 ₱148

-85.59%

Onion (1kg)

$0.37 ₹35.51

$1.99 ₱125

-81.41%

Lettuce (1 head)

$0.44 ₹42.60

$1.15 ₱72.3

-61.74%

Water (1.5 liter bottle)

$0.28 ₹26.87

$0.67 ₱42.26

-58.21%

Cigarettes 20 Pack (Marlboro, Camel)

$5.08 ₹491

$3.00 ₱189

69.33%

Wine (Bottle)

$8.32 ₹805

$6.35 ₱399

31.02%

Local Beer (0.5 liter bottle)

$1.94 ₹188

$1.31 ₱82.1

48.09%

Imported Beer (0.33 liter bottle)

$3.07 ₹297

$1.73 ₱109

77.46%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.16 ₹596

One-way Ticket (Public Transport)

$0.22 ₹21.29

$0.25 ₱15.82

-12.00%

Public Transport Monthly Pass (Regular Price)

$5.61 ₹543

$12.65 ₱796

-55.65%

Taxi Start (Normal Tariff)

$0.31 ₹29.53

$0.74 ₱46.44

-58.11%

Taxi (Normal Tariff) (1km)

$0.33 ₹31.47

$0.21 ₱13.15

57.14%

Taxi 1hour Waiting (Normal Tariff)

$1.54 ₹149

$4.33 ₱272

-64.43%

Gasoline (1 liter)

$1.15 ₹111

$1.33 ₱83.7

-13.53%

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

$15.7K ₹1.5M

$21.8K ₱1.4M

-27.73%

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

$21.8K ₹2.1M

$19.4K ₱1.2M

12.52%

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

$60.7 ₹5,877

$121 ₱7,583

-49.64%

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

$4.39 ₹425

$14.45 ₱909

-69.62%

Internet (50+ Mbps, Unlimited Data)

$8.80 ₹852

$28.29 ₱1,779

-68.89%

Gym Membership (Monthly)

$26.08 ₹2,525

$32.68 ₱2,055

-20.20%

Tennis Court (1 Hour on Weekend)

$13.19 ₹1,277

$6.39 ₱402

106.42%

Cinema Ticket

$4.49 ₹434

$5.46 ₱343

-17.77%

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

$114 ₹11.0K

$273 ₱17.2K

-58.37%

International Primary School, 1 Child (Yearly)

$5,082 ₹491.9K

$8,156 ₱512.9K

-37.69%

Jeans (Levis 501 Or Similar)

$36.13 ₹3,497

$49.57 ₱3,117

-27.11%

Summer Dress (H&M, Zara, etc)

$39.96 ₹3,867

$24.87 ₱1,564

60.68%

Sport Shoes (Adidas, Nike)

$54.5 ₹5,270

$76.6 ₱4,817

-28.91%

Men's Leather Business Shoes

$47.98 ₹4,644

$59.3 ₱3,727

-19.03%

1-bedroom Apartment, City Center (Monthly)

$598 ₹57.9K

$506 ₱31.8K

18.35%

1-bedroom Apartment, Outside City Center (Monthly)

$344 ₹33.3K

$309 ₱19.5K

11.22%

3-bedroom Apartment, City Center (Monthly)

$1,797 ₹173.9K

$1,052 ₱66.1K

70.85%

3-bedroom Apartment, Outside City Center (Monthly)

$866 ₹83.8K

$619 ₱38.9K

39.82%

Buy Apartment in City Center (m2)

$5,811 ₹562.3K

$2,915 ₱183.4K

99.30%

Buy Apartment Outside City Center (m2)

$2,418 ₹234.0K

$1,867 ₱117.4K

29.48%

Average Monthly Net Salary (After Tax)

$768 ₹74.4K

$341 ₱21.5K

125.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.29

7.2

15.14%

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

Last update for Mumbai (Bombay): October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Mumbai (Bombay)

$344 44.9%

Cebu

$309 33.5% 10.1% $35

Groceries & Markets

Mumbai (Bombay)

$116 15.1%

Cebu

$210 22.7% 81.5% $94

Eating Out

Mumbai (Bombay)

$109 14.2%

Cebu

$88 9.6% 19.1% $21

Clothing & Footwear

Mumbai (Bombay)

$80 10.5%

Cebu

$95 10.2% 17.8% $14

Monthly Utilities & Internet

Mumbai (Bombay)

$74 9.6%

Cebu

$163 17.7% 121% $89

Sport & Entertainment

Mumbai (Bombay)

$35 4.6%

Cebu

$44 4.7% 24.4% $8.5

Getting Around

Mumbai (Bombay)

$8.4 1.1%

Cebu

$15 1.7% 83.4% $7

Cost Breakdown

A one-bedroom apartment in the center runs $598 in Mumbai (Bombay) and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 125% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $21.00 in Mumbai (Bombay) vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $116 vs $210 per month, with Mumbai (Bombay) cheaper across the board.

Good to know

🇮🇳 Mumbai (Bombay)

🇵🇭 Cebu

🕒 Local time

07:09 7:09 AM

09:39 9:39 AM

2 h 30 min ahead of Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

964,169

💱 Currency

Indian Rupee INR ₹

Philippine Peso PHP ₱

📈 Exchange rate

1,000 INR = 10.33 USD

1,000 INR = 9.21 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Mumbai (Bombay) Cebu 5,560 km ≈ 7 h nonstop flight

From you

Mumbai (Bombay)
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

Mumbai (Bombay) vs Cebu: Cost of Living - Frequently Asked Questions

Mumbai (Bombay) is cheaper overall, especially in groceries, clothing, and leisure. The 22% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 125% higher in Mumbai (Bombay), 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: $598 in Mumbai (Bombay) versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $769 per month in Mumbai (Bombay) versus $934 in Cebu – a 22% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Mumbai (Bombay) runs roughly 125% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Mumbai (Bombay) gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Mumbai (Bombay) is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Mumbai (Bombay) 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 Mumbai (Bombay) gentler on the wallet – expenses run 22% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.