Last update: Oct 2026

Cost of Living Comparison Between Naha and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,343 in Naha, rent and utilities included – about $5,100 less a year. Rent and utilities account for about half of the difference.

65

Cost of Living Index in Naha
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Naha Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Naha

🇯🇵 Japan

$1,343

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,343 in Naha versus $915 in Cebu.

Naha $1,343
Cebu $915

Estimated couple costs with rent: $2,092 in Naha versus $1,418 in Cebu.

Naha $2,092
Cebu $1,418

Monthly costs for a family of three with rent: $2,840 in Naha versus $1,921 in Cebu.

Naha $2,840
Cebu $1,921

Living in Naha is roughly 47% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Naha 1% lower, Cebu 33% lower.

Meal at Budget Restaurant

$5.12 ¥808

$3.05 ₱192

67.87%

Three-Course Dinner for Two, Mid-Range

$30.17 ¥4,767

$24.00 ₱1,511

25.71%

Fast Food Meal (McDonalds, etc)

$5.20 ¥821

$3.99 ₱251

30.33%

Cappuccino

$3.12 ¥493

$2.50 ₱157

24.80%

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

$1.29 ¥203

$1.54 ₱97.1

-16.23%

Water (0.33 liter bottle)

$0.87 ¥137

$0.50 ₱31.37

74.00%

Local Beer (0.5 liter draught)

$2.56 ¥405

$1.78 ₱112

43.82%

Imported Beer (0.33 liter bottle)

$3.92 ¥619

$2.17 ₱136

80.65%

Milk (1 liter)

$1.56 ¥247

$2.00 ₱126

-22.00%

White Bread (500g)

$2.07 ¥327

$1.37 ₱86.2

51.09%

Rice (white) (1kg)

$3.87 ¥612

$1.03 ₱64.9

275.73%

Eggs

$1.74 ¥276

$2.03 ₱128

-14.29%

Local Cheese (1kg)

$17.91 ¥2,829

$10.20 ₱642

75.59%

Chicken Fillets (1kg)

$4.80 ¥758

$4.45 ₱280

7.87%

Beef Round Steak (1kg)

$22.38 ¥3,536

$7.67 ₱483

191.79%

Apples (1kg)

$3.67 ¥580

$3.31 ₱208

10.88%

Banana (1kg)

$2.69 ¥425

$1.46 ₱91.8

84.25%

Oranges (1kg)

$2.22 ¥351

$2.32 ₱146

-4.31%

Tomato (1kg)

$5.15 ¥814

$1.49 ₱94.0

245.64%

Potato (1kg)

$2.39 ¥377

$2.34 ₱147

2.14%

Onion (1kg)

$2.47 ¥390

$1.94 ₱122

27.32%

Lettuce (1 head)

$1.24 ¥196

$1.16 ₱73.0

6.90%

Water (1.5 liter bottle)

$0.79 ¥124

$0.68 ₱42.89

16.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.88 ¥613

$2.99 ₱188

29.77%

Wine (Bottle)

$6.28 ¥992

$6.24 ₱393

0.64%

Local Beer (0.5 liter bottle)

$1.92 ¥304

$1.23 ₱77.3

56.10%

Imported Beer (0.33 liter bottle)

$3.23 ¥510

$1.73 ₱109

86.71%

One-way Ticket (Public Transport)

$0.23 ₱14.36

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$3.96 ¥626

$0.79 ₱49.96

401.27%

Taxi (Normal Tariff) (1km)

$3.40 ¥537

$0.22 ₱13.86

1445.45%

Taxi 1hour Waiting (Normal Tariff)

$11.52 ¥1,820

$4.54 ₱286

153.74%

Gasoline (1 liter)

$1.06 ¥168

$1.32 ₱82.9

-19.70%

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

$21.0K ¥3.3M

$21.0K ₱1.3M

-0.25%

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

$15.5K ¥2.4M

$19.4K ₱1.2M

-20.32%

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

$96.0 ¥15.2K

$119 ₱7,464

-19.00%

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

$24.81 ¥3,919

$14.22 ₱896

74.47%

Internet (50+ Mbps, Unlimited Data)

$52.6 ¥8,305

$27.47 ₱1,730

91.37%

Gym Membership (Monthly)

$32.31 ₱2,034

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$12.17 ¥1,922

$5.40 ₱340

125.37%

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

$329 ¥52.0K

$276 ₱17.4K

19.32%

International Primary School, 1 Child (Yearly)

$5,565 ¥879.2K

$7,866 ₱495.3K

-29.26%

Jeans (Levis 501 Or Similar)

$49.25 ¥7,782

$49.37 ₱3,108

-0.24%

Summer Dress (H&M, Zara, etc)

$22.99 ¥3,632

$24.58 ₱1,548

-6.47%

Sport Shoes (Adidas, Nike)

$78.8 ¥12.4K

$76.6 ₱4,825

2.82%

Men's Leather Business Shoes

$96.3 ¥15.2K

$58.9 ₱3,706

63.63%

1-bedroom Apartment, City Center (Monthly)

$717 ¥113.3K

$503 ₱31.7K

42.38%

1-bedroom Apartment, Outside City Center (Monthly)

$562 ¥88.8K

$305 ₱19.2K

84.63%

3-bedroom Apartment, City Center (Monthly)

$1,158 ¥183.0K

$1,075 ₱67.7K

7.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,138 ¥179.8K

$632 ₱39.8K

80.03%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

Average Monthly Net Salary (After Tax)

$1,337 ¥211.2K

$336 ₱21.1K

297.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.23

7.2

-69.03%

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

Last update for Naha: October 17, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Naha

$562 41.9%

Cebu

$305 33.3% 45.8% $258

Groceries & Markets

Naha

$328 24.4%

Cebu

$210 22.9% 36.1% $118

Monthly Utilities & Internet

Naha

$173 12.9%

Cebu

$160 17.5% 7.6% $13

Eating Out

Naha

$123 9.2%

Cebu

$88 9.6% 28.8% $35

Clothing & Footwear

Naha

$111 8.3%

Cebu

$94 10.3% 15.3% $17

Sport & Entertainment

Naha

$24 * 1.8%

Cebu

$43 4.7% 77.1% $19

Getting Around

Naha

$21 * 1.6%

Cebu

$15 1.7% 27.8% $5.8

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $717 in Naha and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Naha pays 298% 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: $30.00 in Naha vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $328 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Naha

🇵🇭 Cebu

🕒 Local time

01:50 1:50 AM

00:50 12:50 AM

1 h behind Naha

🌤 Weather

👥 Population

317,625

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 →

On the map

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Between locations

Naha Cebu 1,810 km ≈ 2 h 45 min nonstop flight

From you

Naha
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

Naha vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 47% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 298% higher in Naha, 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: $717 in Naha versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 56% higher in Naha. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,343 per month in Naha versus $915 in Cebu – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

At $915 in Cebu versus $1,343 in Naha, a $1,500 budget is realistic in Cebu but tight or insufficient in Naha. 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 Naha, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Naha 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 47% less than in Naha. Beyond cost, consider language, visa policies, and how big the international community is in each city.