Last update: Oct 2026

Cost of Living Comparison Between Naxxar and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,776 in Naxxar, rent and utilities included – about $10,300 less a year. Rent and utilities account for most of the difference.

87

Cost of Living Index in Naxxar
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Naxxar Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Naxxar

🇲🇹 Malta

$1,776

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,776 in Naxxar versus $918 in Cebu.

Naxxar $1,776
Cebu $918

Estimated couple costs with rent: $2,747 in Naxxar versus $1,409 in Cebu.

Naxxar $2,747
Cebu $1,409

Monthly costs for a family of three with rent: $3,719 in Naxxar versus $1,900 in Cebu.

Naxxar $3,719
Cebu $1,900

Living in Naxxar is roughly 94% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$10.96 €9.75

$3.09 ₱194

254.69%

Three-Course Dinner for Two, Mid-Range

$79.6 €70.8

$24.22 ₱1,525

228.74%

Fast Food Meal (McDonalds, etc)

$11.30 €10.05

$3.92 ₱247

188.27%

Cappuccino

$2.67 €2.38

$2.51 ₱158

6.37%

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

$2.07 €1.84

$1.59 ₱100

30.19%

Water (0.33 liter bottle)

$1.81 €1.61

$0.53 ₱33.43

241.51%

Local Beer (0.5 liter draught)

$3.86 €3.43

$1.78 ₱112

116.85%

Imported Beer (0.33 liter bottle)

$2.73 €2.43

$2.17 ₱137

25.81%

Milk (1 liter)

$1.34 €1.19

$1.92 ₱121

-30.21%

White Bread (500g)

$1.30 €1.16

$1.36 ₱85.4

-4.41%

Rice (white) (1kg)

$4.45 €3.96

$1.01 ₱63.5

340.59%

Eggs

$2.25 €2.00

$2.03 ₱128

10.84%

Local Cheese (1kg)

$8.37 €7.45

$9.86 ₱621

-15.11%

Chicken Fillets (1kg)

$10.38 €9.23

$4.39 ₱277

136.45%

Beef Round Steak (1kg)

$17.91 €15.93

$7.60 ₱479

135.66%

Apples (1kg)

$3.95 €3.51

$3.30 ₱208

19.70%

Banana (1kg)

$2.81 €2.50

$1.39 ₱87.8

102.16%

Oranges (1kg)

$3.58 €3.18

$2.33 ₱147

53.65%

Tomato (1kg)

$3.44 €3.06

$1.50 ₱94.3

129.33%

Potato (1kg)

$2.51 €2.23

$2.36 ₱149

6.36%

Onion (1kg)

$1.95 €1.73

$1.90 ₱119

2.63%

Lettuce (1 head)

$2.28 €2.03

$1.19 ₱74.9

91.60%

Water (1.5 liter bottle)

$1.31 €1.16

$0.63 ₱39.71

107.94%

Cigarettes 20 Pack (Marlboro, Camel)

$6.79 €6.04

$3.00 ₱189

126.33%

Wine (Bottle)

$8.21 €7.30

$6.03 ₱379

36.15%

Local Beer (0.5 liter bottle)

$1.69 €1.50

$1.23 ₱77.7

37.40%

Imported Beer (0.33 liter bottle)

$2.33 €2.07

$1.75 ₱110

33.14%

One-way Ticket (Public Transport)

$2.86 €2.55

$0.25 ₱15.86

1044.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$5.47 €4.87

$0.77 ₱48.62

610.39%

Taxi (Normal Tariff) (1km)

$2.19 €1.95

$0.23 ₱14.53

852.17%

Taxi 1hour Waiting (Normal Tariff)

$26.76 €23.81

$4.46 ₱281

500.00%

Gasoline (1 liter)

$1.51 €1.34

$1.31 ₱82.8

15.27%

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

$28.5K €25.3K

$21.2K ₱1.3M

34.16%

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

$38.5K €34.2K

$19.1K ₱1.2M

100.84%

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

$64.3 €57.2

$120 ₱7,569

-46.50%

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

$25.56 €22.74

$14.00 ₱882

82.57%

Internet (50+ Mbps, Unlimited Data)

$25.48 €22.67

$27.54 ₱1,734

-7.48%

Gym Membership (Monthly)

$76.8 €68.3

$32.33 ₱2,035

137.61%

Tennis Court (1 Hour on Weekend)

$11.31 €10.06

$6.65 ₱419

70.08%

Cinema Ticket

$8.12 €7.22

$5.65 ₱356

43.72%

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

$370 €329

$275 ₱17.3K

34.34%

International Primary School, 1 Child (Yearly)

$11.2K €9,926

$7,918 ₱498.5K

40.92%

Jeans (Levis 501 Or Similar)

$85.4 €76.0

$49.33 ₱3,106

73.16%

Summer Dress (H&M, Zara, etc)

$40.84 €36.32

$25.24 ₱1,589

61.81%

Sport Shoes (Adidas, Nike)

$98.0 €87.2

$77.0 ₱4,846

27.39%

Men's Leather Business Shoes

$79.3 €70.5

$57.2 ₱3,601

38.62%

1-bedroom Apartment, City Center (Monthly)

$1,059 €942

$500 ₱31.5K

111.98%

1-bedroom Apartment, Outside City Center (Monthly)

$892 €793

$309 ₱19.4K

188.71%

3-bedroom Apartment, City Center (Monthly)

$1,718 €1,528

$1,078 ₱67.9K

59.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,494 €1,329

$615 ₱38.7K

142.86%

Buy Apartment in City Center (m2)

$2,289 €2,036

$2,886 ₱181.7K

-20.67%

Buy Apartment Outside City Center (m2)

$2,678 €2,382

$1,917 ₱120.7K

39.74%

Average Monthly Net Salary (After Tax)

$1,667 €1,483

$346 ₱21.8K

381.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.9

7.2

-59.72%

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

Last update for Naxxar: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Naxxar

$892 50.2%

Cebu

$309 33.6% 65.4% $583

Groceries & Markets

Naxxar

$318 17.9%

Cebu

$206 22.4% 35.2% $112

Eating Out

Naxxar

$194 10.9%

Cebu

$88 9.6% 54.5% $106

Clothing & Footwear

Naxxar

$137 7.7%

Cebu

$94 10.2% 31.2% $43

Monthly Utilities & Internet

Naxxar

$115 6.5%

Cebu

$162 17.6% 40.2% $46

Sport & Entertainment

Naxxar

$93 5.2%

Cebu

$44 4.8% 53.1% $49

Getting Around

Naxxar

$28 * 1.6%

Cebu

$16 1.7% 44.1% $12

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 $1,059 in Naxxar and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Naxxar pays 382% 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: $80.0 in Naxxar vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $318 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇲🇹 Naxxar

🇵🇭 Cebu

🕒 Local time

13:45 1:45 PM

19:45 7:45 PM

6 h ahead of Naxxar

🌤 Weather

👥 Population

13,443

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Highest

Between locations

Naxxar Cebu 11,040 km ≈ 14 h nonstop flight

From you

Naxxar
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

Naxxar vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 94% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 382% higher in Naxxar, 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: $1,059 in Naxxar versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 54% higher in Naxxar. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,776 per month in Naxxar versus $918 in Cebu – a 94% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,776 in Naxxar, a $1,500 budget is realistic in Cebu but tight or insufficient in Naxxar. 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 Naxxar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Naxxar 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 94% less than in Naxxar. Beyond cost, consider language, visa policies, and how big the international community is in each city.