Last update: Oct 2026

Cost of Living Comparison Between Nove Zamky and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,334 in Nove Zamky, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Nove Zamky
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Nove Zamky Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Nove Zamky

🇸🇰 Slovakia

$1,334

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,334 in Nove Zamky versus $918 in Cebu.

Nove Zamky $1,334
Cebu $918

Estimated couple costs with rent: $1,926 in Nove Zamky versus $1,409 in Cebu.

Nove Zamky $1,926
Cebu $1,409

Monthly costs for a family of three with rent: $2,517 in Nove Zamky versus $1,900 in Cebu.

Nove Zamky $2,517
Cebu $1,900

Living in Nove Zamky is roughly 45% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Nove Zamky 1% lower, Cebu 32% lower.

Meal at Budget Restaurant

$7.23 €6.43

$3.09 ₱194

133.98%

Three-Course Dinner for Two, Mid-Range

$44.98 €40.01

$24.22 ₱1,525

85.71%

Fast Food Meal (McDonalds, etc)

$8.86 €7.89

$3.92 ₱247

126.02%

Cappuccino

$3.23 €2.88

$2.51 ₱158

28.69%

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

$1.92 €1.71

$1.59 ₱100

20.75%

Water (0.33 liter bottle)

$1.27 €1.13

$0.53 ₱33.43

139.62%

Local Beer (0.5 liter draught)

$2.26 €2.01

$1.78 ₱112

26.97%

Imported Beer (0.33 liter bottle)

$2.27 €2.02

$2.17 ₱137

4.61%

Milk (1 liter)

$1.09 €0.97

$1.92 ₱121

-43.23%

White Bread (500g)

$1.02 €0.90

$1.36 ₱85.4

-25.00%

Rice (white) (1kg)

$1.94 €1.72

$1.01 ₱63.5

92.08%

Eggs

$3.64 €3.23

$2.03 ₱128

79.31%

Local Cheese (1kg)

$12.56 €11.17

$9.86 ₱621

27.38%

Chicken Fillets (1kg)

$7.70 €6.85

$4.39 ₱277

75.40%

Beef Round Steak (1kg)

$13.13 €11.68

$7.60 ₱479

72.76%

Apples (1kg)

$1.68 €1.50

$3.30 ₱208

-49.09%

Banana (1kg)

$1.47 €1.31

$1.39 ₱87.8

5.76%

Oranges (1kg)

$1.15 €1.02

$2.33 ₱147

-50.64%

Tomato (1kg)

$4.55 €4.05

$1.50 ₱94.3

203.33%

Potato (1kg)

$1.29 €1.14

$2.36 ₱149

-45.34%

Onion (1kg)

$1.14 €1.01

$1.90 ₱119

-40.00%

Lettuce (1 head)

$1.15 €1.02

$1.19 ₱74.9

-3.36%

Water (1.5 liter bottle)

$0.79 €0.71

$0.63 ₱39.71

25.40%

Cigarettes 20 Pack (Marlboro, Camel)

$6.05 €5.38

$3.00 ₱189

101.67%

Wine (Bottle)

$5.58 €4.96

$6.03 ₱379

-7.46%

Local Beer (0.5 liter bottle)

$1.00 €0.89

$1.23 ₱77.7

-18.70%

Imported Beer (0.33 liter bottle)

$1.84 €1.64

$1.75 ₱110

5.14%

One-way Ticket (Public Transport)

$1.13 €1.01

$0.25 ₱15.86

352.00%

Public Transport Monthly Pass (Regular Price)

$28.14 €25.03

$12.64 ₱796

122.63%

Taxi Start (Normal Tariff)

$1.15 €1.03

$0.77 ₱48.62

49.35%

Taxi (Normal Tariff) (1km)

$1.10 €0.98

$0.23 ₱14.53

378.26%

Taxi 1hour Waiting (Normal Tariff)

$22.62 €20.12

$4.46 ₱281

407.17%

Gasoline (1 liter)

$1.68 €1.49

$1.31 ₱82.8

28.24%

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

$26.0K €23.1K

$21.2K ₱1.3M

22.29%

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

$23.8K €21.2K

$19.1K ₱1.2M

24.29%

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

$281 €250

$120 ₱7,569

133.89%

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

$19.17 €17.05

$14.00 ₱882

36.93%

Internet (50+ Mbps, Unlimited Data)

$11.26 €10.02

$27.54 ₱1,734

-59.11%

Gym Membership (Monthly)

$33.05 €29.40

$32.33 ₱2,035

2.23%

Tennis Court (1 Hour on Weekend)

$16.50 €14.68

$6.65 ₱419

148.12%

Cinema Ticket

$9.48 €8.43

$5.65 ₱356

67.79%

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

$357 €318

$275 ₱17.3K

29.73%

International Primary School, 1 Child (Yearly)

$10.7K €9,498

$7,918 ₱498.5K

34.85%

Jeans (Levis 501 Or Similar)

$55.3 €49.18

$49.33 ₱3,106

12.08%

Summer Dress (H&M, Zara, etc)

$22.58 €20.08

$25.24 ₱1,589

-10.54%

Sport Shoes (Adidas, Nike)

$56.3 €50.1

$77.0 ₱4,846

-26.82%

Men's Leather Business Shoes

$90.3 €80.3

$57.2 ₱3,601

57.85%

1-bedroom Apartment, City Center (Monthly)

$526 €467

$500 ₱31.5K

5.21%

1-bedroom Apartment, Outside City Center (Monthly)

$435 €387

$309 ₱19.4K

40.74%

3-bedroom Apartment, City Center (Monthly)

$913 €812

$1,078 ₱67.9K

-15.31%

3-bedroom Apartment, Outside City Center (Monthly)

$661 €588

$615 ₱38.7K

7.47%

Buy Apartment in City Center (m2)

$3,368 €2,996

$2,886 ₱181.7K

16.71%

Buy Apartment Outside City Center (m2)

$2,574 €2,289

$1,917 ₱120.7K

34.28%

Average Monthly Net Salary (After Tax)

$1,047 €932

$346 ₱21.8K

202.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.79

7.2

-47.36%

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

Last update for Nove Zamky: 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

Nove Zamky

$435 32.6%

Cebu

$309 33.6% 28.9% $126

Monthly Utilities & Internet

Nove Zamky

$312 23.4%

Cebu

$162 17.6% 48.1% $150

Groceries & Markets

Nove Zamky

$244 18.3%

Cebu

$206 22.4% 15.5% $38

Eating Out

Nove Zamky

$152 11.4%

Cebu

$88 9.6% 41.9% $64

Clothing & Footwear

Nove Zamky

$101 7.6%

Cebu

$94 10.2% 7% $7.1

Sport & Entertainment

Nove Zamky

$52 3.9%

Cebu

$44 4.8% 16.1% $8.4

Getting Around

Nove Zamky

$39 3%

Cebu

$16 1.7% 60.4% $24

Cost Breakdown

A one-bedroom apartment in the center runs $526 in Nove Zamky and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Nove Zamky pays 203% 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: $45.00 in Nove Zamky vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $244 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇸🇰 Nove Zamky

🇵🇭 Cebu

🕒 Local time

18:03 6:03 PM

00:03 12:03 AM

6 h ahead of Nove Zamky

🌤 Weather

👥 Population

40,840

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 →

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Between locations

Nove Zamky Cebu 10,300 km ≈ 13 h nonstop flight

From you

Nove Zamky
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

Nove Zamky vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 45% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 203% higher in Nove Zamky, 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: $526 in Nove Zamky versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,334 per month in Nove Zamky versus $918 in Cebu – a 45% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 123% less than in Nove Zamky. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,334 in Nove Zamky, a $1,500 budget is realistic in Cebu but tight or insufficient in Nove Zamky. 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 Nove Zamky, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Nove Zamky 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 45% less than in Nove Zamky. Beyond cost, consider language, visa policies, and how big the international community is in each city.