Last update: Oct 2026

Cost of Living Comparison Between Nicosia and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,890 in Nicosia, rent and utilities included – about $11,500 less a year. Rent and utilities account for about half of the difference.

90

Cost of Living Index in Nicosia
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Nicosia Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Nicosia

🇨🇾 Cyprus

$1,890

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,890 in Nicosia versus $934 in Cebu.

Nicosia $1,890
Cebu $934

Estimated couple costs with rent: $2,901 in Nicosia versus $1,415 in Cebu.

Nicosia $2,901
Cebu $1,415

Monthly costs for a family of three with rent: $3,912 in Nicosia versus $1,896 in Cebu.

Nicosia $3,912
Cebu $1,896

Living in Nicosia is roughly 102% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Nicosia is 41% above, Cebu is 30% below.

Meal at Budget Restaurant

$17.02 €15.19

$3.03 ₱190

461.72%

Three-Course Dinner for Two, Mid-Range

$67.7 €60.4

$23.48 ₱1,473

188.46%

Fast Food Meal (McDonalds, etc)

$8.86 €7.91

$4.09 ₱256

116.63%

Cappuccino

$3.61 €3.23

$2.52 ₱158

43.25%

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

$2.35 €2.10

$1.54 ₱96.9

52.60%

Water (0.33 liter bottle)

$0.87 €0.78

$0.49 ₱30.98

77.55%

Local Beer (0.5 liter draught)

$4.38 €3.91

$1.79 ₱112

144.69%

Imported Beer (0.33 liter bottle)

$5.46 €4.87

$2.26 ₱142

141.59%

Milk (1 liter)

$1.83 €1.63

$1.95 ₱122

-6.15%

White Bread (500g)

$2.01 €1.80

$1.43 ₱89.7

40.56%

Rice (white) (1kg)

$2.95 €2.63

$1.02 ₱63.8

189.22%

Eggs

$4.86 €4.34

$2.06 ₱129

135.92%

Local Cheese (1kg)

$13.37 €11.93

$9.81 ₱615

36.29%

Chicken Fillets (1kg)

$9.09 €8.11

$4.61 ₱289

97.18%

Beef Round Steak (1kg)

$13.09 €11.68

$7.70 ₱483

70.00%

Apples (1kg)

$3.37 €3.01

$3.31 ₱207

1.81%

Banana (1kg)

$2.12 €1.89

$1.45 ₱90.9

46.21%

Oranges (1kg)

$2.55 €2.27

$2.36 ₱148

8.05%

Tomato (1kg)

$3.45 €3.08

$1.54 ₱96.4

124.03%

Potato (1kg)

$1.90 €1.69

$2.36 ₱148

-19.49%

Onion (1kg)

$1.61 €1.43

$1.99 ₱125

-19.10%

Lettuce (1 head)

$0.98 €0.88

$1.15 ₱72.1

-14.78%

Water (1.5 liter bottle)

$1.14 €1.02

$0.67 ₱42.15

70.15%

Cigarettes 20 Pack (Marlboro, Camel)

$5.74 €5.12

$3.00 ₱188

91.33%

Wine (Bottle)

$7.64 €6.82

$6.35 ₱398

20.31%

Local Beer (0.5 liter bottle)

$1.64 €1.46

$1.31 ₱81.9

25.19%

Imported Beer (0.33 liter bottle)

$2.81 €2.51

$1.73 ₱108

62.43%

One-way Ticket (Public Transport)

$2.66 €2.37

$0.25 ₱15.78

964.00%

Public Transport Monthly Pass (Regular Price)

$44.82 €40.00

$12.65 ₱793

254.31%

Taxi Start (Normal Tariff)

$6.18 €5.51

$0.74 ₱46.32

735.14%

Taxi (Normal Tariff) (1km)

$1.90 €1.70

$0.21 ₱13.11

804.76%

Taxi 1hour Waiting (Normal Tariff)

$44.09 €39.35

$4.33 ₱271

918.24%

Gasoline (1 liter)

$1.76 €1.57

$1.33 ₱83.5

32.33%

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

$32.4K €28.9K

$21.8K ₱1.4M

48.88%

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

$32.8K €29.3K

$19.4K ₱1.2M

69.14%

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

$209 €186

$121 ₱7,563

73.30%

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

$20.22 €18.04

$14.45 ₱907

39.93%

Internet (50+ Mbps, Unlimited Data)

$33.19 €29.62

$28.29 ₱1,774

17.32%

Gym Membership (Monthly)

$73.3 €65.4

$32.68 ₱2,050

124.20%

Tennis Court (1 Hour on Weekend)

$18.86 €16.83

$6.39 ₱401

195.15%

Cinema Ticket

$11.38 €10.16

$5.46 ₱342

108.42%

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

$516 €461

$273 ₱17.1K

88.74%

International Primary School, 1 Child (Yearly)

$9,230 €8,237

$8,156 ₱511.5K

13.17%

Jeans (Levis 501 Or Similar)

$102 €90.6

$49.57 ₱3,109

104.80%

Summer Dress (H&M, Zara, etc)

$55.7 €49.71

$24.87 ₱1,560

123.96%

Sport Shoes (Adidas, Nike)

$98.6 €88.0

$76.6 ₱4,804

28.67%

Men's Leather Business Shoes

$116 €103

$59.3 ₱3,717

95.22%

1-bedroom Apartment, City Center (Monthly)

$798 €712

$506 ₱31.7K

57.83%

1-bedroom Apartment, Outside City Center (Monthly)

$692 €618

$309 ₱19.4K

123.65%

3-bedroom Apartment, City Center (Monthly)

$1,710 €1,526

$1,052 ₱66.0K

62.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,337 €1,193

$619 ₱38.8K

116.04%

Buy Apartment in City Center (m2)

$3,098 €2,765

$2,915 ₱182.9K

6.26%

Buy Apartment Outside City Center (m2)

$2,297 €2,050

$1,867 ₱117.1K

23.05%

Average Monthly Net Salary (After Tax)

$1,901 €1,697

$341 ₱21.4K

457.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

7.2

-37.78%

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

Last update for Nicosia: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Nicosia

$692 37.5%

Cebu

$309 33.5% 55.3% $383

Groceries & Markets

Nicosia

$307 16.6%

Cebu

$210 22.7% 31.5% $97

Monthly Utilities & Internet

Nicosia

$262 14.2%

Cebu

$163 17.7% 37.8% $99

Eating Out

Nicosia

$252 13.6%

Cebu

$88 9.6% 64.9% $164

Clothing & Footwear

Nicosia

$167 9.1%

Cebu

$95 10.2% 43.4% $73

Sport & Entertainment

Nicosia

$96 5.2%

Cebu

$44 4.7% 54.6% $52

Getting Around

Nicosia

$71 3.9%

Cebu

$15 1.7% 78.3% $56

Cost Breakdown

A one-bedroom apartment in the center runs $798 in Nicosia and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Nicosia pays 457% 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: $68.0 in Nicosia vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $307 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇨🇾 Nicosia

🇵🇭 Cebu

🕒 Local time

08:02 8:02 AM

13:02 1:02 PM

5 h ahead of Nicosia

🌤 Weather

👥 Population

310,355 Capital

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

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Between locations

Nicosia Cebu 9,400 km ≈ 12 h nonstop flight

From you

Nicosia
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

Nicosia vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 102% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 457% higher in Nicosia, 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: $798 in Nicosia versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,890 per month in Nicosia versus $934 in Cebu – a 102% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 254% less than in Nicosia. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,890 in Nicosia, a $1,500 budget is realistic in Cebu but tight or insufficient in Nicosia. 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 Nicosia, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Nicosia 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 102% less than in Nicosia. Beyond cost, consider language, visa policies, and how big the international community is in each city.