Last update: Oct 2026

Cost of Living Comparison Between Naantali and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,806 in Naantali, rent and utilities included – about $10,700 less a year. Other living expenses account for most of the difference.

88

Cost of Living Index in Naantali
Learn more

Naantali Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Naantali

🇫🇮 Finland

$1,806

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,806 in Naantali versus $918 in Cebu.

Naantali $1,806
Cebu $918

Estimated couple costs with rent: $2,851 in Naantali versus $1,409 in Cebu.

Naantali $2,851
Cebu $1,409

Monthly costs for a family of three with rent: $3,896 in Naantali versus $1,900 in Cebu.

Naantali $3,896
Cebu $1,900

Living in Naantali is roughly 97% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Naantali is 34% above, Cebu is 32% below.

Meal at Budget Restaurant

$15.89 €14.18

$3.09 ₱195

414.24%

Three-Course Dinner for Two, Mid-Range

$101 €90.5

$24.22 ₱1,526

318.83%

Fast Food Meal (McDonalds, etc)

$12.51 €11.16

$3.92 ₱247

219.13%

Cappuccino

$4.65 €4.15

$2.51 ₱158

85.26%

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

$2.92 €2.61

$1.59 ₱100

83.65%

Water (0.33 liter bottle)

$1.85 €1.65

$0.53 ₱33.47

249.06%

Local Beer (0.5 liter draught)

$9.40 €8.38

$1.78 ₱112

428.09%

Imported Beer (0.33 liter bottle)

$8.73 €7.79

$2.17 ₱137

302.30%

Milk (1 liter)

$1.32 €1.17

$1.92 ₱121

-31.25%

White Bread (500g)

$2.57 €2.29

$1.36 ₱85.5

88.97%

Rice (white) (1kg)

$2.55 €2.27

$1.01 ₱63.6

152.48%

Eggs

$3.62 €3.23

$2.03 ₱128

78.33%

Local Cheese (1kg)

$7.69 €6.86

$9.86 ₱622

-22.01%

Chicken Fillets (1kg)

$13.24 €11.81

$4.39 ₱277

201.59%

Beef Round Steak (1kg)

$18.70 €16.68

$7.60 ₱479

146.05%

Apples (1kg)

$2.81 €2.50

$3.30 ₱208

-14.85%

Banana (1kg)

$2.14 €1.91

$1.39 ₱87.9

53.96%

Oranges (1kg)

$2.20 €1.96

$2.33 ₱147

-5.58%

Tomato (1kg)

$3.84 €3.42

$1.50 ₱94.4

156.00%

Potato (1kg)

$1.25 €1.11

$2.36 ₱149

-47.03%

Onion (1kg)

$1.53 €1.36

$1.90 ₱120

-19.47%

Lettuce (1 head)

$2.01 €1.79

$1.19 ₱75.0

68.91%

Water (1.5 liter bottle)

$1.67 €1.49

$0.63 ₱39.75

165.08%

Cigarettes 20 Pack (Marlboro, Camel)

$13.13 €11.71

$3.00 ₱189

337.67%

Wine (Bottle)

$14.98 €13.36

$6.03 ₱380

148.42%

Local Beer (0.5 liter bottle)

$3.88 €3.46

$1.23 ₱77.8

215.45%

Imported Beer (0.33 liter bottle)

$3.55 €3.17

$1.75 ₱110

102.86%

One-way Ticket (Public Transport)

$3.34 €2.98

$0.25 ₱15.88

1236.00%

Public Transport Monthly Pass (Regular Price)

$66.8 €59.6

$12.64 ₱796

428.56%

Taxi Start (Normal Tariff)

$8.69 €7.75

$0.77 ₱48.67

1028.57%

Taxi (Normal Tariff) (1km)

$1.29 €1.15

$0.23 ₱14.55

460.87%

Taxi 1hour Waiting (Normal Tariff)

$66.0 €58.8

$4.46 ₱281

1378.70%

Gasoline (1 liter)

$2.30 €2.05

$1.31 ₱82.9

75.57%

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

$37.0K €33.0K

$21.2K ₱1.3M

74.38%

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

$36.9K €32.9K

$19.1K ₱1.2M

92.73%

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

$132 €118

$120 ₱7,577

9.88%

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

$25.91 €23.12

$14.00 ₱883

85.07%

Internet (50+ Mbps, Unlimited Data)

$21.60 €19.27

$27.54 ₱1,736

-21.57%

Gym Membership (Monthly)

$46.19 €41.20

$32.33 ₱2,037

42.87%

Tennis Court (1 Hour on Weekend)

$24.60 €21.94

$6.65 ₱419

269.92%

Cinema Ticket

$18.35 €16.37

$5.65 ₱356

224.78%

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

$315 €281

$275 ₱17.4K

14.38%

International Primary School, 1 Child (Yearly)

$7,161 €6,387

$7,918 ₱499.1K

-9.57%

Jeans (Levis 501 Or Similar)

$91.8 €81.9

$49.33 ₱3,109

86.03%

Summer Dress (H&M, Zara, etc)

$42.84 €38.21

$25.24 ₱1,591

69.73%

Sport Shoes (Adidas, Nike)

$102 €91.2

$77.0 ₱4,851

32.78%

Men's Leather Business Shoes

$113 €101

$57.2 ₱3,605

97.31%

1-bedroom Apartment, City Center (Monthly)

$782 €698

$500 ₱31.5K

56.64%

1-bedroom Apartment, Outside City Center (Monthly)

$632 €564

$309 ₱19.5K

104.66%

3-bedroom Apartment, City Center (Monthly)

$1,241 €1,107

$1,078 ₱67.9K

15.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,043 €930

$615 ₱38.8K

69.50%

Buy Apartment in City Center (m2)

$4,451 €3,970

$2,886 ₱181.9K

54.23%

Buy Apartment Outside City Center (m2)

$2,170 €1,936

$1,917 ₱120.8K

13.24%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.61

7.2

-49.86%

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

Last update for Naantali: 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

Naantali

$632 35%

Cebu

$309 33.6% 51.1% $323

Groceries & Markets

Naantali

$355 19.7%

Cebu

$206 22.4% 42% $149

Eating Out

Naantali

$304 16.8%

Cebu

$88 9.6% 71% $216

Monthly Utilities & Internet

Naantali

$180 9.9%

Cebu

$162 17.6% 9.9% $18

Clothing & Footwear

Naantali

$157 8.7%

Cebu

$94 10.2% 40.3% $63

Getting Around

Naantali

$95 5.3%

Cebu

$16 1.7% 83.7% $80

Sport & Entertainment

Naantali

$83 4.6%

Cebu

$44 4.8% 47.4% $39

Cost Breakdown

A one-bedroom apartment in the center runs $782 in Naantali and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $101 in Naantali vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $355 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇫🇮 Naantali

🇵🇭 Cebu

🕒 Local time

03:23 3:23 AM

08:23 8:23 AM

5 h ahead of Naantali

🌤 Weather

👥 Population

19,426

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 16, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 16, 2026: 1 USD = 63.03 PHP (100 PHP = 1.59 USD). 1 EUR = 70.66 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Naantali Cebu 9,650 km ≈ 13 h nonstop flight

From you

Naantali
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

Naantali vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 97% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,709 in Naantali 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: $782 in Naantali versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,806 per month in Naantali versus $918 in Cebu – a 97% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 429% less than in Naantali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,806 in Naantali, a $1,500 budget is realistic in Cebu but tight or insufficient in Naantali. 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 Naantali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Naantali 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 97% less than in Naantali. Beyond cost, consider language, visa policies, and how big the international community is in each city.