Last update: Oct 2026

Cost of Living Comparison Between Nagano and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,180 in Nagano, rent and utilities included – about $3,100 less a year. Other living expenses account for most of the difference.

58

Cost of Living Index in Nagano
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Nagano Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Nagano

🇯🇵 Japan

$1,180

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,180 in Nagano versus $918 in Cebu.

Nagano $1,180
Cebu $918

Estimated couple costs with rent: $1,942 in Nagano versus $1,409 in Cebu.

Nagano $1,942
Cebu $1,409

Monthly costs for a family of three with rent: $2,705 in Nagano versus $1,900 in Cebu.

Nagano $2,705
Cebu $1,900

Living in Nagano is roughly 29% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Nagano 13% lower, Cebu 32% lower.

Meal at Budget Restaurant

$6.27 ¥991

$3.09 ₱194

102.91%

Three-Course Dinner for Two, Mid-Range

$40.83 ¥6,451

$24.22 ₱1,525

68.58%

Fast Food Meal (McDonalds, etc)

$4.94 ¥781

$3.92 ₱247

26.02%

Cappuccino

$3.37 ¥533

$2.51 ₱158

34.26%

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

$1.06 ¥167

$1.59 ₱100

-33.33%

Water (0.33 liter bottle)

$0.75 ¥119

$0.53 ₱33.43

41.51%

Local Beer (0.5 liter draught)

$2.46 ¥388

$1.78 ₱112

38.20%

Imported Beer (0.33 liter bottle)

$3.09 ¥488

$2.17 ₱137

42.40%

Milk (1 liter)

$1.37 ¥216

$1.92 ₱121

-28.65%

White Bread (500g)

$1.70 ¥269

$1.36 ₱85.4

25.00%

Rice (white) (1kg)

$3.73 ¥589

$1.01 ₱63.5

269.31%

Eggs

$1.99 ¥314

$2.03 ₱128

-1.97%

Local Cheese (1kg)

$10.18 ¥1,608

$9.86 ₱621

3.25%

Chicken Fillets (1kg)

$6.08 ¥961

$4.39 ₱277

38.50%

Beef Round Steak (1kg)

$14.50 ¥2,290

$7.60 ₱479

90.79%

Apples (1kg)

$5.78 ¥913

$3.30 ₱208

75.15%

Banana (1kg)

$2.84 ¥448

$1.39 ₱87.8

104.32%

Oranges (1kg)

$2.88 ¥455

$2.33 ₱147

23.61%

Tomato (1kg)

$4.07 ¥643

$1.50 ₱94.3

171.33%

Potato (1kg)

$2.52 ¥398

$2.36 ₱149

6.78%

Onion (1kg)

$2.63 ¥415

$1.90 ₱119

38.42%

Lettuce (1 head)

$1.27 ¥201

$1.19 ₱74.9

6.72%

Water (1.5 liter bottle)

$0.80 ¥126

$0.63 ₱39.71

26.98%

Cigarettes 20 Pack (Marlboro, Camel)

$3.81 ¥602

$3.00 ₱189

27.00%

Wine (Bottle)

$6.43 ¥1,015

$6.03 ₱379

6.63%

Local Beer (0.5 liter bottle)

$1.73 ¥274

$1.23 ₱77.7

40.65%

Imported Beer (0.33 liter bottle)

$2.11 ¥333

$1.75 ₱110

20.57%

One-way Ticket (Public Transport)

$1.62 ¥256

$0.25 ₱15.86

548.00%

Public Transport Monthly Pass (Regular Price)

$50.6 ¥7,987

$12.64 ₱796

300.00%

Taxi Start (Normal Tariff)

$3.12 ¥493

$0.77 ₱48.62

305.19%

Taxi (Normal Tariff) (1km)

$2.64 ¥417

$0.23 ₱14.53

1047.83%

Taxi 1hour Waiting (Normal Tariff)

$20.77 ¥3,281

$4.46 ₱281

365.70%

Gasoline (1 liter)

$1.07 ¥169

$1.31 ₱82.8

-18.32%

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

$21.4K ¥3.4M

$21.2K ₱1.3M

0.96%

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

$18.2K ¥2.9M

$19.1K ₱1.2M

-4.91%

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

$130 ¥20.5K

$120 ₱7,569

8.17%

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

$24.11 ¥3,810

$14.00 ₱882

72.21%

Internet (50+ Mbps, Unlimited Data)

$12.46 ¥1,969

$27.54 ₱1,734

-54.76%

Gym Membership (Monthly)

$52.9 ¥8,361

$32.33 ₱2,035

63.69%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$12.36 ¥1,953

$5.65 ₱356

118.76%

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

$640 ¥101.1K

$275 ₱17.3K

132.37%

International Primary School, 1 Child (Yearly)

$14.8K ¥2.3M

$7,918 ₱498.5K

86.86%

Jeans (Levis 501 Or Similar)

$62.8 ¥9,924

$49.33 ₱3,106

27.33%

Summer Dress (H&M, Zara, etc)

$36.95 ¥5,838

$25.24 ₱1,589

46.39%

Sport Shoes (Adidas, Nike)

$61.3 ¥9,685

$77.0 ₱4,846

-20.35%

Men's Leather Business Shoes

$104 ¥16.4K

$57.2 ₱3,601

81.91%

1-bedroom Apartment, City Center (Monthly)

$504 ¥79.7K

$500 ₱31.5K

0.97%

1-bedroom Apartment, Outside City Center (Monthly)

$323 ¥51.1K

$309 ₱19.4K

4.63%

3-bedroom Apartment, City Center (Monthly)

$1,231 ¥194.6K

$1,078 ₱67.9K

14.25%

3-bedroom Apartment, Outside City Center (Monthly)

$797 ¥126.0K

$615 ₱38.7K

29.61%

Buy Apartment in City Center (m2)

$4,473 ¥706.8K

$2,886 ₱181.7K

55.00%

Buy Apartment Outside City Center (m2)

$1,575 ¥248.9K

$1,917 ₱120.7K

-17.80%

Average Monthly Net Salary (After Tax)

$622 ¥98.3K

$346 ₱21.8K

79.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.64

7.2

-63.33%

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

Last update for Nagano: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Nagano

$323 27.4%

Cebu

$309 33.6% 4.4% $14

Groceries & Markets

Nagano

$289 24.5%

Cebu

$206 22.4% 28.8% $83

Monthly Utilities & Internet

Nagano

$167 14.1%

Cebu

$162 17.6% 2.9% $4.9

Eating Out

Nagano

$131 11.1%

Cebu

$88 9.6% 32.7% $43

Clothing & Footwear

Nagano

$119 10.1%

Cebu

$94 10.2% 21.3% $25

Sport & Entertainment

Nagano

$78 6.6%

Cebu

$44 4.8% 43.8% $34

Getting Around

Nagano

$73 6.2%

Cebu

$16 1.7% 78.8% $58

Cost Breakdown

A one-bedroom apartment in the center runs $504 in Nagano and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Nagano pays 80% 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: $41.00 in Nagano vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $289 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Nagano

🇵🇭 Cebu

🕒 Local time

23:24 11:24 PM

22:24 10:24 PM

1 h behind Nagano

🌤 Weather

👥 Population

372,760

964,169

💱 Currency

Japanese Yen JPY ¥

Philippine Peso PHP ₱

📈 Exchange rate

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to JPY – Japanese Yen Converter

🇺🇸 United States Dollar ($)

🇯🇵 Japanese Yen (¥)

Japanese Yen exchange rates as of October 19, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

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 JPY in detail →

On the map

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Between locations

Nagano Cebu 3,260 km ≈ 4 h 30 min nonstop flight

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Nagano
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

Nagano vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 29% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 80% higher in Nagano, 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: $504 in Nagano versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,180 per month in Nagano versus $918 in Cebu – a 29% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 300% less than in Nagano. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,180 in Nagano, a $1,500 budget is realistic in Cebu but tight or insufficient in Nagano. 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 Nagano, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Nagano 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 29% less than in Nagano. Beyond cost, consider language, visa policies, and how big the international community is in each city.