Last update: Oct 2026

Cost of Living Comparison Between Narvik and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,460 in Narvik, rent and utilities included – about $18,500 less a year. Other living expenses account for most of the difference.

119

Cost of Living Index in Narvik
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Narvik Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Narvik

🇳🇴 Norway

$2,460

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,460 in Narvik versus $918 in Cebu.

Narvik $2,460
Cebu $918

Estimated couple costs with rent: $3,763 in Narvik versus $1,409 in Cebu.

Narvik $3,763
Cebu $1,409

Monthly costs for a family of three with rent: $5,067 in Narvik versus $1,900 in Cebu.

Narvik $5,067
Cebu $1,900

Living in Narvik is roughly 168% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Narvik is 82% above, Cebu is 32% below.

Meal at Budget Restaurant

$31.93 NOK 301

$3.09 ₱195

933.33%

Three-Course Dinner for Two, Mid-Range

$93.7 NOK 882

$24.22 ₱1,525

286.91%

Fast Food Meal (McDonalds, etc)

$15.68 NOK 148

$3.92 ₱247

300.00%

Cappuccino

$4.96 NOK 46.67

$2.51 ₱158

97.61%

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

$2.91 NOK 27.37

$1.59 ₱100

83.02%

Water (0.33 liter bottle)

$2.95 NOK 27.79

$0.53 ₱33.45

456.60%

Local Beer (0.5 liter draught)

$11.36 NOK 107

$1.78 ₱112

538.20%

Imported Beer (0.33 liter bottle)

$12.04 NOK 113

$2.17 ₱137

454.84%

Milk (1 liter)

$2.43 NOK 22.89

$1.92 ₱121

26.56%

White Bread (500g)

$3.27 NOK 30.77

$1.36 ₱85.5

140.44%

Rice (white) (1kg)

$2.69 NOK 25.28

$1.01 ₱63.6

166.34%

Eggs

$5.21 NOK 49.07

$2.03 ₱128

156.65%

Local Cheese (1kg)

$12.05 NOK 113

$9.86 ₱621

22.21%

Chicken Fillets (1kg)

$14.83 NOK 140

$4.39 ₱277

237.81%

Beef Round Steak (1kg)

$22.51 NOK 212

$7.60 ₱479

196.18%

Apples (1kg)

$3.88 NOK 36.57

$3.30 ₱208

17.58%

Banana (1kg)

$2.05 NOK 19.30

$1.39 ₱87.8

47.48%

Oranges (1kg)

$4.77 NOK 44.95

$2.33 ₱147

104.72%

Tomato (1kg)

$4.39 NOK 41.35

$1.50 ₱94.3

192.67%

Potato (1kg)

$2.52 NOK 23.71

$2.36 ₱149

6.78%

Onion (1kg)

$4.88 NOK 45.96

$1.90 ₱119

156.84%

Lettuce (1 head)

$2.90 NOK 27.27

$1.19 ₱74.9

143.70%

Water (1.5 liter bottle)

$2.18 NOK 20.50

$0.63 ₱39.73

246.03%

Cigarettes 20 Pack (Marlboro, Camel)

$16.29 NOK 153

$3.00 ₱189

443.00%

Wine (Bottle)

$16.93 NOK 159

$6.03 ₱380

180.76%

Local Beer (0.5 liter bottle)

$3.39 NOK 31.92

$1.23 ₱77.7

175.61%

Imported Beer (0.33 liter bottle)

$3.61 NOK 33.98

$1.75 ₱110

106.29%

One-way Ticket (Public Transport)

$4.63 NOK 43.61

$0.25 ₱15.87

1752.00%

Public Transport Monthly Pass (Regular Price)

$89.0 NOK 838

$12.64 ₱796

603.96%

Taxi Start (Normal Tariff)

$15.46 NOK 146

$0.77 ₱48.64

1907.79%

Taxi (Normal Tariff) (1km)

$2.14 NOK 20.15

$0.23 ₱14.54

830.43%

Taxi 1hour Waiting (Normal Tariff)

$51.8 NOK 488

$4.46 ₱281

1062.33%

Gasoline (1 liter)

$2.28 NOK 21.44

$1.31 ₱82.8

74.05%

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

$39.6K NOK 372.8K

$21.2K ₱1.3M

86.44%

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

$36.9K NOK 346.9K

$19.1K ₱1.2M

92.50%

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

$261 NOK 2,453

$120 ₱7,573

116.69%

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

$49.95 NOK 470

$14.00 ₱882

256.79%

Internet (50+ Mbps, Unlimited Data)

$81.9 NOK 771

$27.54 ₱1,735

197.46%

Gym Membership (Monthly)

$55.3 NOK 521

$32.33 ₱2,036

71.11%

Tennis Court (1 Hour on Weekend)

$26.34 NOK 248

$6.65 ₱419

296.09%

Cinema Ticket

$17.44 NOK 164

$5.65 ₱356

208.67%

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

$308 NOK 2,903

$275 ₱17.3K

12.03%

International Primary School, 1 Child (Yearly)

$7,612 NOK 71.7K

$7,918 ₱498.8K

-3.87%

Jeans (Levis 501 Or Similar)

$123 NOK 1,157

$49.33 ₱3,107

149.08%

Summer Dress (H&M, Zara, etc)

$34.34 NOK 323

$25.24 ₱1,590

36.05%

Sport Shoes (Adidas, Nike)

$138 NOK 1,299

$77.0 ₱4,848

79.26%

Men's Leather Business Shoes

$161 NOK 1,520

$57.2 ₱3,603

182.20%

1-bedroom Apartment, City Center (Monthly)

$912 NOK 8,583

$500 ₱31.5K

82.53%

1-bedroom Apartment, Outside City Center (Monthly)

$719 NOK 6,771

$309 ₱19.5K

132.90%

3-bedroom Apartment, City Center (Monthly)

$1,643 NOK 15.5K

$1,078 ₱67.9K

52.39%

3-bedroom Apartment, Outside City Center (Monthly)

$1,224 NOK 11.5K

$615 ₱38.8K

98.93%

Buy Apartment in City Center (m2)

$5,156 NOK 48.5K

$2,886 ₱181.8K

78.66%

Buy Apartment Outside City Center (m2)

$4,755 NOK 44.8K

$1,917 ₱120.7K

148.10%

Average Monthly Net Salary (After Tax)

$3,517 NOK 33.1K

$346 ₱21.8K

916.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.01

7.2

-30.42%

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

Last update for Narvik: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Narvik

$719 29.2%

Cebu

$309 33.6% 57.1% $410

Eating Out

Narvik

$466 19%

Cebu

$88 9.6% 81.1% $378

Groceries & Markets

Narvik

$452 18.4%

Cebu

$206 22.4% 54.5% $246

Monthly Utilities & Internet

Narvik

$392 16%

Cebu

$162 17.6% 58.8% $231

Clothing & Footwear

Narvik

$205 8.4%

Cebu

$94 10.2% 54.3% $112

Getting Around

Narvik

$134 5.4%

Cebu

$16 1.7% 88.4% $118

Sport & Entertainment

Narvik

$90 3.7%

Cebu

$44 4.8% 51.6% $47

Cost Breakdown

A one-bedroom apartment in the center runs $912 in Narvik and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Narvik pays 917% 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: $94.0 in Narvik vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $452 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Narvik

🇵🇭 Cebu

🕒 Local time

15:32 3:32 PM

21:32 9:32 PM

6 h ahead of Narvik

🌤 Weather

👥 Population

14,183

964,169

💱 Currency

Norwegian Krone NOK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 NOK = 10.62 USD

100 NOK = 9.45 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 17, 2026: 1 USD = 9.41 NOK (1 NOK = 0.106 USD). 1 EUR = 10.58 NOK (100 NOK = 9.45 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

USD to NOK in detail →

On the map

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Between locations

Narvik Cebu 9,600 km ≈ 13 h nonstop flight

From you

Narvik
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

Narvik vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 168% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 917% higher in Narvik, 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: $912 in Narvik versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,460 per month in Narvik versus $918 in Cebu – a 168% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 604% less than in Narvik. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,460 in Narvik, a $1,500 budget is realistic in Cebu but tight or insufficient in Narvik. 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 Narvik, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Narvik 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 168% less than in Narvik. Beyond cost, consider language, visa policies, and how big the international community is in each city.