Last update: Oct 2026

Cost of Living Comparison Between Neum and Cebu

For one person, living costs are similar in Neum and in Cebu: $955 and $918 a month, rent and utilities included.

46

Cost of Living Index in Neum
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Neum Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

Jump to prices

Neum

🇧🇦 Bosnia and Herzegovina

$955

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $955 in Neum versus $918 in Cebu.

Neum $955
Cebu $918

Estimated couple costs with rent: $1,410 in Neum versus $1,409 in Cebu.

Neum $1,410
Cebu $1,409

Monthly costs for a family of three with rent: $1,866 in Neum versus $1,900 in Cebu.

Neum $1,866
Cebu $1,900

Living in Neum is roughly 4% more expensive than in Cebu, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Neum 29% lower, Cebu 32% lower.

Meal at Budget Restaurant

$5.29 BAM 9.24

$3.09 ₱194

71.20%

Three-Course Dinner for Two, Mid-Range

$30.98 BAM 54.1

$24.22 ₱1,519

27.91%

Fast Food Meal (McDonalds, etc)

$5.67 BAM 9.91

$3.92 ₱246

44.64%

Cappuccino

$1.90 BAM 3.32

$2.51 ₱157

-24.30%

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

$1.90 BAM 3.33

$1.59 ₱99.8

19.50%

Water (0.33 liter bottle)

$1.18 BAM 2.07

$0.53 ₱33.31

122.64%

Local Beer (0.5 liter draught)

$2.52 BAM 4.41

$1.78 ₱112

41.57%

Imported Beer (0.33 liter bottle)

$2.19 BAM 3.83

$2.17 ₱136

0.92%

Milk (1 liter)

$1.12 BAM 1.96

$1.92 ₱120

-41.67%

White Bread (500g)

$0.95 BAM 1.65

$1.36 ₱85.1

-30.15%

Rice (white) (1kg)

$2.07 BAM 3.62

$1.01 ₱63.3

104.95%

Eggs

$2.57 BAM 4.48

$2.03 ₱127

26.60%

Local Cheese (1kg)

$7.88 BAM 13.77

$9.86 ₱619

-20.08%

Chicken Fillets (1kg)

$7.37 BAM 12.87

$4.39 ₱276

67.88%

Beef Round Steak (1kg)

$10.39 BAM 18.15

$7.60 ₱477

36.71%

Apples (1kg)

$1.12 BAM 1.96

$3.30 ₱207

-66.06%

Banana (1kg)

$1.62 BAM 2.83

$1.39 ₱87.4

16.55%

Oranges (1kg)

$1.36 BAM 2.37

$2.33 ₱146

-41.63%

Tomato (1kg)

$1.20 BAM 2.09

$1.50 ₱93.9

-20.00%

Potato (1kg)

$0.98 BAM 1.72

$2.36 ₱148

-58.47%

Onion (1kg)

$0.99 BAM 1.72

$1.90 ₱119

-47.89%

Lettuce (1 head)

$0.76 BAM 1.32

$1.19 ₱74.6

-36.13%

Water (1.5 liter bottle)

$0.71 BAM 1.24

$0.63 ₱39.56

12.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.93 BAM 6.86

$3.00 ₱188

31.00%

Wine (Bottle)

$3.99 BAM 6.96

$6.03 ₱378

-33.83%

Local Beer (0.5 liter bottle)

$0.78 BAM 1.36

$1.23 ₱77.4

-36.59%

Imported Beer (0.33 liter bottle)

$0.89 BAM 1.55

$1.75 ₱110

-49.14%

One-way Ticket (Public Transport)

$1.27 BAM 2.21

$0.25 ₱15.80

408.00%

Public Transport Monthly Pass (Regular Price)

$57.4 BAM 100

$12.64 ₱792

354.19%

Taxi Start (Normal Tariff)

$1.74 BAM 3.05

$0.77 ₱48.43

125.97%

Taxi (Normal Tariff) (1km)

$0.60 BAM 1.04

$0.23 ₱14.47

160.87%

Taxi 1hour Waiting (Normal Tariff)

$5.79 BAM 10.11

$4.46 ₱279

29.82%

Gasoline (1 liter)

$1.55 BAM 2.70

$1.31 ₱82.5

18.32%

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

$29.9K BAM 52.2K

$21.2K ₱1.3M

40.57%

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

$21.3K BAM 37.3K

$19.1K ₱1.2M

11.37%

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

$135 BAM 237

$120 ₱7,540

12.63%

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

$17.64 BAM 30.82

$14.00 ₱878

26.00%

Internet (50+ Mbps, Unlimited Data)

$25.86 BAM 45.18

$27.54 ₱1,727

-6.10%

Gym Membership (Monthly)

$32.47 BAM 56.7

$32.33 ₱2,028

0.43%

Tennis Court (1 Hour on Weekend)

$11.52 BAM 20.13

$6.65 ₱417

73.23%

Cinema Ticket

$5.74 BAM 10.02

$5.65 ₱354

1.59%

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

$198 BAM 346

$275 ₱17.3K

-28.11%

International Primary School, 1 Child (Yearly)

$2,317 BAM 4,048

$7,918 ₱496.6K

-70.74%

Jeans (Levis 501 Or Similar)

$59.4 BAM 104

$49.33 ₱3,094

20.35%

Summer Dress (H&M, Zara, etc)

$33.42 BAM 58.4

$25.24 ₱1,583

32.41%

Sport Shoes (Adidas, Nike)

$85.8 BAM 150

$77.0 ₱4,827

11.51%

Men's Leather Business Shoes

$83.3 BAM 146

$57.2 ₱3,587

45.65%

1-bedroom Apartment, City Center (Monthly)

$345 BAM 603

$500 ₱31.3K

-30.95%

1-bedroom Apartment, Outside City Center (Monthly)

$248 BAM 433

$309 ₱19.4K

-19.83%

3-bedroom Apartment, City Center (Monthly)

$506 BAM 884

$1,078 ₱67.6K

-53.05%

3-bedroom Apartment, Outside City Center (Monthly)

$355 BAM 620

$615 ₱38.6K

-42.30%

Buy Apartment in City Center (m2)

$2,410 BAM 4,210

$2,886 ₱181.0K

-16.50%

Buy Apartment Outside City Center (m2)

$1,786 BAM 3,120

$1,917 ₱120.2K

-6.81%

Average Monthly Net Salary (After Tax)

$847 BAM 1,480

$346 ₱21.7K

144.91%

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 Neum: 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

Neum

$248 25.9%

Cebu

$309 33.6% 24.7% $61

Groceries & Markets

Neum

$188 19.7%

Cebu

$206 22.4% 9.7% $18

Monthly Utilities & Internet

Neum

$179 18.7%

Cebu

$162 17.6% 9.6% $17

Clothing & Footwear

Neum

$118 12.4%

Cebu

$94 10.2% 20.3% $24

Eating Out

Neum

$112 11.7%

Cebu

$88 9.6% 20.9% $23

Getting Around

Neum

$67 7%

Cebu

$16 1.7% 76.8% $52

Sport & Entertainment

Neum

$44 4.6%

Cebu

$44 4.8% 0.7% $0.3

Cost Breakdown

A one-bedroom apartment in the center runs $345 in Neum and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Neum pays 145% 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: $31.00 in Neum vs $24.00 in Cebu. Groceries flip the comparison at $188 vs $206, with Neum cheaper for home cooking.

Good to know

🇧🇦 Neum

🇵🇭 Cebu

🕒 Local time

11:57 11:57 AM

17:57 5:57 PM

6 h ahead of Neum

🌤 Weather

👥 Population

3,200

964,169

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Philippine Peso PHP ₱

📈 Exchange rate

1 BAM = 0.572 USD

1 BAM = 0.511 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to BAM – Bosnia and Herzegovina Convertible Mark Converter

🇺🇸 United States Dollar ($)

🇧🇦 Bosnia and Herzegovina Convertible Mark (KM)

Bosnia and Herzegovina Convertible Mark exchange rates as of October 14, 2026: 1 USD = 1.75 BAM (1 BAM = 0.572 USD). 1 EUR = 1.96 BAM (1 BAM = 0.511 EUR).

Philippine Peso exchange rates as of October 14, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.27 PHP (100 PHP = 1.42 EUR).

USD to BAM in detail →

On the map

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Highest

Between locations

Neum Cebu 10,520 km ≈ 14 h nonstop flight

From you

Neum
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

Neum vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and transport. The 4% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 145% higher in Neum, 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: $345 in Neum versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $955 per month in Neum versus $918 in Cebu – a 4% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 354% less than in Neum. Both cities have functional networks, but the price difference matters if you're watching your budget.

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

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Neum, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Neum 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 4% less than in Neum. Beyond cost, consider language, visa policies, and how big the international community is in each city.