Last update: Oct 2026

Cost of Living Comparison Between Naivasha and Cebu

For one person, living is cheaper in Naivasha: $542 a month against $918 in Cebu, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

26

Cost of Living Index in Naivasha
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Naivasha Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Naivasha

🇰🇪 Kenya

$542

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $542 in Naivasha versus $918 in Cebu.

Naivasha $542
Cebu $918

Estimated couple costs with rent: $886 in Naivasha versus $1,409 in Cebu.

Naivasha $886
Cebu $1,409

Monthly costs for a family of three with rent: $1,230 in Naivasha versus $1,900 in Cebu.

Naivasha $1,230
Cebu $1,900

Living in Naivasha costs roughly 41% less than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Naivasha 60% lower, Cebu 32% lower.

Meal at Budget Restaurant

$6.48 KES 840

$3.09 ₱194

109.71%

Three-Course Dinner for Two, Mid-Range

$34.08 KES 4,419

$24.22 ₱1,525

40.71%

Fast Food Meal (McDonalds, etc)

$6.24 KES 809

$3.92 ₱247

59.18%

Cappuccino

$2.59 KES 336

$2.51 ₱158

3.19%

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

$0.66 KES 85.2

$1.59 ₱100

-58.49%

Water (0.33 liter bottle)

$0.60 KES 78.4

$0.53 ₱33.43

13.21%

Local Beer (0.5 liter draught)

$2.25 KES 292

$1.78 ₱112

26.40%

Imported Beer (0.33 liter bottle)

$2.64 KES 342

$2.17 ₱137

21.66%

Milk (1 liter)

$0.84 KES 109

$1.92 ₱121

-56.25%

White Bread (500g)

$0.52 KES 68.0

$1.36 ₱85.4

-61.76%

Rice (white) (1kg)

$1.91 KES 247

$1.01 ₱63.5

89.11%

Eggs

$1.71 KES 222

$2.03 ₱128

-15.76%

Local Cheese (1kg)

$10.46 KES 1,357

$9.86 ₱621

6.09%

Chicken Fillets (1kg)

$6.51 KES 844

$4.39 ₱277

48.29%

Beef Round Steak (1kg)

$6.31 KES 818

$7.60 ₱479

-16.97%

Apples (1kg)

$3.31 KES 429

$3.30 ₱208

0.30%

Banana (1kg)

$1.10 KES 142

$1.39 ₱87.8

-20.86%

Oranges (1kg)

$1.95 KES 253

$2.33 ₱147

-16.31%

Tomato (1kg)

$1.14 KES 148

$1.50 ₱94.3

-24.00%

Potato (1kg)

$1.12 KES 145

$2.36 ₱149

-52.54%

Onion (1kg)

$1.05 KES 136

$1.90 ₱119

-44.74%

Lettuce (1 head)

$0.69 KES 89.5

$1.19 ₱74.9

-42.02%

Water (1.5 liter bottle)

$0.75 KES 96.7

$0.63 ₱39.71

19.05%

Cigarettes 20 Pack (Marlboro, Camel)

$3.45 KES 447

$3.00 ₱189

15.00%

Wine (Bottle)

$11.51 KES 1,493

$6.03 ₱379

90.88%

Local Beer (0.5 liter bottle)

$2.33 KES 302

$1.23 ₱77.7

89.43%

Imported Beer (0.33 liter bottle)

$2.78 KES 360

$1.75 ₱110

58.86%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$1.52 KES 197

$0.77 ₱48.62

97.40%

Taxi (Normal Tariff) (1km)

$1.52 KES 198

$0.23 ₱14.53

560.87%

Taxi 1hour Waiting (Normal Tariff)

$2.92 KES 378

$4.46 ₱281

-34.53%

Gasoline (1 liter)

$1.56 KES 202

$1.31 ₱82.8

19.08%

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

$21.6K KES 2.8M

$21.2K ₱1.3M

1.45%

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

$20.1K KES 2.6M

$19.1K ₱1.2M

5.20%

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

$55.6 KES 7,204

$120 ₱7,569

-53.78%

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

$15.22 KES 1,973

$14.00 ₱882

8.71%

Internet (50+ Mbps, Unlimited Data)

$34.82 KES 4,515

$27.54 ₱1,734

26.43%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$7.56 KES 980

$5.65 ₱356

33.81%

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

$251 KES 32.5K

$275 ₱17.3K

-8.92%

International Primary School, 1 Child (Yearly)

$12.4K KES 1.6M

$7,918 ₱498.5K

57.22%

Jeans (Levis 501 Or Similar)

$27.97 KES 3,626

$49.33 ₱3,106

-43.30%

Summer Dress (H&M, Zara, etc)

$28.68 KES 3,718

$25.24 ₱1,589

13.63%

Sport Shoes (Adidas, Nike)

$70.8 KES 9,176

$77.0 ₱4,846

-8.04%

Men's Leather Business Shoes

$58.7 KES 7,606

$57.2 ₱3,601

2.57%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$757 KES 98.1K

$2,886 ₱181.7K

-73.78%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

14.71

7.2

104.31%

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

Last update for Naivasha: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Naivasha

$205 37.8%

Cebu

$206 22.4% 0.4% $0.9

Eating Out

Naivasha

$123 22.7%

Cebu

$88 9.6% 28.3% $35

Monthly Utilities & Internet

Naivasha

$106 19.5%

Cebu

$162 17.6% 53.2% $56

Clothing & Footwear

Naivasha

$84 15.5%

Cebu

$94 10.2% 12.2% $10

Sport & Entertainment

Naivasha

$15 * 2.8%

Cebu

$44 4.8% 189% $29

Getting Around

Naivasha

$9.1 * 1.7%

Cebu

$16 1.7% 70.4% $6.4

Accommodation & Living

Naivasha

- * 0%

Cebu

$309 33.6%

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

Cost Breakdown

Dining out: $34.00 in Naivasha vs $24.00 in Cebu. Groceries flip the comparison at $205 vs $206, with Naivasha cheaper for home cooking.

Good to know

🇰🇪 Naivasha

🇵🇭 Cebu

🕒 Local time

18:58 6:58 PM

23:58 11:58 PM

5 h ahead of Naivasha

🌤 Weather

👥 Population

14,563

964,169

💱 Currency

Kenyan Shilling KES Sh

Philippine Peso PHP ₱

📈 Exchange rate

1,000 KES = 7.71 USD

1,000 KES = 6.86 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to KES – Kenyan Shilling Converter

🇺🇸 United States Dollar ($)

🇰🇪 Kenyan Shilling (Sh)

Kenyan Shilling exchange rates as of October 18, 2026: 1 USD = 130 KES (1,000 KES = 7.71 USD). 1 EUR = 146 KES (1,000 KES = 6.86 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to KES in detail →

On the map

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Highest

Between locations

Naivasha Cebu 9,740 km ≈ 13 h nonstop flight

From you

Naivasha
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

Naivasha vs Cebu: Cost of Living - Frequently Asked Questions

Naivasha is cheaper overall, especially in groceries, clothing, and leisure. The 69% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $813 in Naivasha 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.

Supermarket bills run roughly 0% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $542 per month in Naivasha versus $918 in Cebu – a 69% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Naivasha gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Naivasha 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, Naivasha 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 Naivasha gentler on the wallet – expenses run 69% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.