Last update: Oct 2026

Cost of Living Comparison Between Nova Gradiska and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,609 in Nova Gradiska, rent and utilities included – about $8,300 less a year. Rent and utilities account for about half of the difference.

76

Cost of Living Index in Nova Gradiska
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Nova Gradiska Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Nova Gradiska

🇭🇷 Croatia

$1,609

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,609 in Nova Gradiska versus $918 in Cebu.

Nova Gradiska $1,609
Cebu $918

Estimated couple costs with rent: $2,480 in Nova Gradiska versus $1,409 in Cebu.

Nova Gradiska $2,480
Cebu $1,409

Monthly costs for a family of three with rent: $3,352 in Nova Gradiska versus $1,900 in Cebu.

Nova Gradiska $3,352
Cebu $1,900

Living in Nova Gradiska is roughly 75% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Nova Gradiska is 19% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.30 €11.83

$3.09 ₱194

330.42%

Three-Course Dinner for Two, Mid-Range

$72.6 €64.6

$24.22 ₱1,525

199.63%

Fast Food Meal (McDonalds, etc)

$9.97 €8.87

$3.92 ₱247

154.34%

Cappuccino

$2.32 €2.07

$2.51 ₱158

-7.57%

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

$3.01 €2.68

$1.59 ₱100

89.31%

Water (0.33 liter bottle)

$1.98 €1.76

$0.53 ₱33.43

273.58%

Local Beer (0.5 liter draught)

$3.90 €3.47

$1.78 ₱112

119.10%

Imported Beer (0.33 liter bottle)

$4.52 €4.02

$2.17 ₱137

108.29%

Milk (1 liter)

$1.24 €1.10

$1.92 ₱121

-35.42%

White Bread (500g)

$1.59 €1.42

$1.36 ₱85.4

16.91%

Rice (white) (1kg)

$3.36 €2.99

$1.01 ₱63.5

232.67%

Eggs

$3.70 €3.29

$2.03 ₱128

82.27%

Local Cheese (1kg)

$15.86 €14.11

$9.86 ₱621

60.85%

Chicken Fillets (1kg)

$10.17 €9.05

$4.39 ₱277

131.66%

Beef Round Steak (1kg)

$14.06 €12.50

$7.60 ₱479

85.00%

Apples (1kg)

$1.66 €1.48

$3.30 ₱208

-49.70%

Banana (1kg)

$1.73 €1.54

$1.39 ₱87.8

24.46%

Oranges (1kg)

$1.89 €1.69

$2.33 ₱147

-18.88%

Tomato (1kg)

$2.63 €2.34

$1.50 ₱94.3

75.33%

Potato (1kg)

$1.38 €1.23

$2.36 ₱149

-41.53%

Onion (1kg)

$1.26 €1.12

$1.90 ₱119

-33.68%

Lettuce (1 head)

$1.31 €1.17

$1.19 ₱74.9

10.08%

Water (1.5 liter bottle)

$1.30 €1.15

$0.63 ₱39.71

106.35%

Cigarettes 20 Pack (Marlboro, Camel)

$5.64 €5.02

$3.00 ₱189

88.00%

Wine (Bottle)

$7.87 €7.00

$6.03 ₱379

30.51%

Local Beer (0.5 liter bottle)

$1.64 €1.46

$1.23 ₱77.7

33.33%

Imported Beer (0.33 liter bottle)

$2.20 €1.95

$1.75 ₱110

25.71%

One-way Ticket (Public Transport)

$1.67 €1.48

$0.25 ₱15.86

568.00%

Public Transport Monthly Pass (Regular Price)

$44.59 €39.66

$12.64 ₱796

252.77%

Taxi Start (Normal Tariff)

$3.37 €3.00

$0.77 ₱48.62

337.66%

Taxi (Normal Tariff) (1km)

$1.44 €1.28

$0.23 ₱14.53

526.09%

Taxi 1hour Waiting (Normal Tariff)

$13.12 €11.67

$4.46 ₱281

194.17%

Gasoline (1 liter)

$1.87 €1.66

$1.31 ₱82.8

42.75%

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

$25.9K €23.0K

$21.2K ₱1.3M

21.79%

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

$24.8K €22.1K

$19.1K ₱1.2M

29.54%

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

$188 €167

$120 ₱7,569

55.98%

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

$24.35 €21.66

$14.00 ₱882

73.93%

Internet (50+ Mbps, Unlimited Data)

$38.46 €34.21

$27.54 ₱1,734

39.65%

Gym Membership (Monthly)

$57.7 €51.4

$32.33 ₱2,035

78.56%

Tennis Court (1 Hour on Weekend)

$16.95 €15.08

$6.65 ₱419

154.89%

Cinema Ticket

$6.59 €5.86

$5.65 ₱356

16.64%

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

$540 €480

$275 ₱17.3K

96.03%

International Primary School, 1 Child (Yearly)

$12.7K €11.3K

$7,918 ₱498.5K

60.03%

Jeans (Levis 501 Or Similar)

$98.9 €88.0

$49.33 ₱3,106

100.55%

Summer Dress (H&M, Zara, etc)

$41.17 €36.62

$25.24 ₱1,589

63.11%

Sport Shoes (Adidas, Nike)

$104 €92.4

$77.0 ₱4,846

35.03%

Men's Leather Business Shoes

$108 €96.0

$57.2 ₱3,601

88.76%

1-bedroom Apartment, City Center (Monthly)

$607 €540

$500 ₱31.5K

21.48%

1-bedroom Apartment, Outside City Center (Monthly)

$562 €500

$309 ₱19.4K

82.14%

3-bedroom Apartment, City Center (Monthly)

$1,267 €1,127

$1,078 ₱67.9K

17.55%

3-bedroom Apartment, Outside City Center (Monthly)

$974 €867

$615 ₱38.7K

58.38%

Buy Apartment in City Center (m2)

$4,493 €3,997

$2,886 ₱181.7K

55.69%

Buy Apartment Outside City Center (m2)

$3,255 €2,895

$1,917 ₱120.7K

69.84%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

7.2

-48.19%

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

Last update for Nova Gradiska: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Nova Gradiska

$562 35%

Cebu

$309 33.6% 45.1% $254

Groceries & Markets

Nova Gradiska

$292 18.2%

Cebu

$206 22.4% 29.6% $87

Monthly Utilities & Internet

Nova Gradiska

$250 15.6%

Cebu

$162 17.6% 35.4% $89

Eating Out

Nova Gradiska

$213 13.2%

Cebu

$88 9.6% 58.5% $124

Clothing & Footwear

Nova Gradiska

$158 9.8%

Cebu

$94 10.2% 40.7% $64

Sport & Entertainment

Nova Gradiska

$71 4.4%

Cebu

$44 4.8% 38.5% $27

Getting Around

Nova Gradiska

$62 3.8%

Cebu

$16 1.7% 74.8% $46

Cost Breakdown

A one-bedroom apartment in the center runs $607 in Nova Gradiska and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $73.0 in Nova Gradiska vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $292 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Nova Gradiska

🇵🇭 Cebu

🕒 Local time

17:37 5:37 PM

23:37 11:37 PM

6 h ahead of Nova Gradiska

🌤 Weather

👥 Population

11,690

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 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

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Nova Gradiska Cebu 10,450 km ≈ 14 h nonstop flight

From you

Nova Gradiska
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

Nova Gradiska vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 75% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,413 in Nova Gradiska 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.

Rent for a central apartment: $607 in Nova Gradiska versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,609 per month in Nova Gradiska versus $918 in Cebu – a 75% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 253% less than in Nova Gradiska. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,609 in Nova Gradiska, a $1,500 budget is realistic in Cebu but tight or insufficient in Nova Gradiska. 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 Nova Gradiska, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Nova Gradiska 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 75% less than in Nova Gradiska. Beyond cost, consider language, visa policies, and how big the international community is in each city.