Last update: Oct 2026

Cost of Living Comparison Between Nago, Okinawa and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,231 in Nago, Okinawa, rent and utilities included – about $3,800 less a year. Other living expenses account for most of the difference.

60

Cost of Living Index in Nago, Okinawa
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Nago, Okinawa Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Nago, Okinawa

🇯🇵 Japan

$1,231

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,231 in Nago, Okinawa versus $915 in Cebu.

Nago, Okinawa $1,231
Cebu $915

Estimated couple costs with rent: $1,923 in Nago, Okinawa versus $1,418 in Cebu.

Nago, Okinawa $1,923
Cebu $1,418

Monthly costs for a family of three with rent: $2,614 in Nago, Okinawa versus $1,921 in Cebu.

Nago, Okinawa $2,614
Cebu $1,921

Living in Nago, Okinawa is roughly 35% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Nago, Okinawa 9% lower, Cebu 33% lower.

Meal at Budget Restaurant

$6.82 ¥1,077

$3.05 ₱192

123.61%

Three-Course Dinner for Two, Mid-Range

$35.35 ¥5,586

$24.00 ₱1,511

47.29%

Fast Food Meal (McDonalds, etc)

$5.68 ¥898

$3.99 ₱251

42.36%

Cappuccino

$3.03 ¥479

$2.50 ₱157

21.20%

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

$1.10 ¥173

$1.54 ₱97.1

-28.57%

Water (0.33 liter bottle)

$0.76 ¥121

$0.50 ₱31.37

52.00%

Local Beer (0.5 liter draught)

$2.10 ¥332

$1.78 ₱112

17.98%

Imported Beer (0.33 liter bottle)

$3.05 ¥482

$2.17 ₱136

40.55%

Milk (1 liter)

$1.52 ¥239

$2.00 ₱126

-24.00%

White Bread (500g)

$1.64 ¥259

$1.37 ₱86.2

19.71%

Rice (white) (1kg)

$4.67 ¥738

$1.03 ₱64.9

353.40%

Eggs

$2.28 ¥361

$2.03 ₱128

12.32%

Local Cheese (1kg)

$10.13 ¥1,601

$10.20 ₱642

-0.69%

Chicken Fillets (1kg)

$6.15 ¥971

$4.45 ₱280

38.20%

Beef Round Steak (1kg)

$15.49 ¥2,448

$7.67 ₱483

101.96%

Apples (1kg)

$5.36 ¥847

$3.31 ₱208

61.93%

Banana (1kg)

$2.55 ¥402

$1.46 ₱91.8

74.66%

Oranges (1kg)

$4.13 ¥652

$2.32 ₱146

78.02%

Tomato (1kg)

$4.53 ¥716

$1.49 ₱94.0

204.03%

Potato (1kg)

$3.24 ¥511

$2.34 ₱147

38.46%

Onion (1kg)

$2.56 ¥404

$1.94 ₱122

31.96%

Lettuce (1 head)

$1.38 ¥217

$1.16 ₱73.0

18.97%

Water (1.5 liter bottle)

$0.88 ¥140

$0.68 ₱42.89

29.41%

Cigarettes 20 Pack (Marlboro, Camel)

$4.26 ¥674

$2.99 ₱188

42.47%

Wine (Bottle)

$6.50 ¥1,027

$6.24 ₱393

4.17%

Local Beer (0.5 liter bottle)

$1.91 ¥302

$1.23 ₱77.3

55.28%

Imported Beer (0.33 liter bottle)

$2.37 ¥375

$1.73 ₱109

36.99%

One-way Ticket (Public Transport)

$1.58 ¥250

$0.23 ₱14.36

586.96%

Public Transport Monthly Pass (Regular Price)

$56.0 ¥8,840

$12.34 ₱777

353.40%

Taxi Start (Normal Tariff)

$3.43 ¥542

$0.79 ₱49.96

334.18%

Taxi (Normal Tariff) (1km)

$2.87 ¥454

$0.22 ₱13.86

1204.55%

Taxi 1hour Waiting (Normal Tariff)

$21.07 ¥3,329

$4.54 ₱286

364.10%

Gasoline (1 liter)

$1.23 ¥194

$1.32 ₱82.9

-6.82%

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

$23.5K ¥3.7M

$21.0K ₱1.3M

11.86%

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

$16.9K ¥2.7M

$19.4K ₱1.2M

-13.12%

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

$139 ¥21.9K

$119 ₱7,464

16.97%

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

$27.18 ¥4,294

$14.22 ₱896

91.14%

Internet (50+ Mbps, Unlimited Data)

$34.51 ¥5,452

$27.47 ₱1,730

25.63%

Gym Membership (Monthly)

$57.1 ¥9,012

$32.31 ₱2,034

76.57%

Tennis Court (1 Hour on Weekend)

$13.97 ¥2,207

$6.50 ₱409

114.92%

Cinema Ticket

$13.04 ¥2,061

$5.40 ₱340

141.48%

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

$285 ¥45.0K

$276 ₱17.4K

3.13%

International Primary School, 1 Child (Yearly)

$13.5K ¥2.1M

$7,866 ₱495.3K

72.02%

Jeans (Levis 501 Or Similar)

$43.95 ¥6,944

$49.37 ₱3,108

-10.98%

Summer Dress (H&M, Zara, etc)

$28.96 ¥4,575

$24.58 ₱1,548

17.82%

Sport Shoes (Adidas, Nike)

$59.0 ¥9,328

$76.6 ₱4,825

-22.96%

Men's Leather Business Shoes

$92.2 ¥14.6K

$58.9 ₱3,706

56.68%

1-bedroom Apartment, City Center (Monthly)

$461 ¥72.8K

$503 ₱31.7K

-8.44%

1-bedroom Apartment, Outside City Center (Monthly)

$328 ¥51.9K

$305 ₱19.2K

7.83%

3-bedroom Apartment, City Center (Monthly)

$878 ¥138.6K

$1,075 ₱67.7K

-18.35%

3-bedroom Apartment, Outside City Center (Monthly)

$659 ¥104.1K

$632 ₱39.8K

4.26%

Buy Apartment in City Center (m2)

$2,826 ¥446.5K

$2,870 ₱180.7K

-1.52%

Buy Apartment Outside City Center (m2)

$1,726 ¥272.6K

$1,877 ₱118.2K

-8.08%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

1.81

7.2

-74.86%

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

Last update for Nago, Okinawa: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Nago, Okinawa

$328 26.7%

Cebu

$305 33.3% 7.3% $24

Groceries & Markets

Nago, Okinawa

$306 24.9%

Cebu

$210 22.9% 31.6% $97

Monthly Utilities & Internet

Nago, Okinawa

$200 16.3%

Cebu

$160 17.5% 20% $40

Eating Out

Nago, Okinawa

$132 10.7%

Cebu

$88 9.6% 33.5% $44

Clothing & Footwear

Nago, Okinawa

$101 8.2%

Cebu

$94 10.3% 6.6% $6.6

Sport & Entertainment

Nago, Okinawa

$83 6.8%

Cebu

$43 4.7% 48.2% $40

Getting Around

Nago, Okinawa

$80 6.5%

Cebu

$15 1.7% 81.1% $65

Cost Breakdown

A one-bedroom apartment in the center runs $461 in Nago, Okinawa and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Nago, Okinawa vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $306 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Nago, Okinawa

🇵🇭 Cebu

🕒 Local time

01:16 1:16 AM

00:16 12:16 AM

1 h behind Nago, Okinawa

🌤 Weather

👥 Population

63,554

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 20, 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 20, 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 →

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Nago, Okinawa Cebu 1,860 km ≈ 2 h 45 min nonstop flight

From you

Nago, Okinawa
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

Nago, Okinawa vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 35% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,847 in Nago, Okinawa and $1,372 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: $461 in Nago, Okinawa versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,231 per month in Nago, Okinawa versus $915 in Cebu – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 353% less than in Nago, Okinawa. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,231 in Nago, Okinawa, a $1,500 budget is realistic in Cebu but tight or insufficient in Nago, Okinawa. 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 Nago, Okinawa, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Nago, Okinawa 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 35% less than in Nago, Okinawa. Beyond cost, consider language, visa policies, and how big the international community is in each city.