Last update: Oct 2026

Cost of Living Comparison Between Nowra NSW and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,373 in Nowra NSW, rent and utilities included – about $17,500 less a year. Rent and utilities account for about half of the difference.

123

Cost of Living Index in Nowra NSW
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Nowra NSW Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Nowra NSW

🇦🇺 Australia

$2,373

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,373 in Nowra NSW versus $918 in Cebu.

Nowra NSW $2,373
Cebu $918

Estimated couple costs with rent: $3,634 in Nowra NSW versus $1,409 in Cebu.

Nowra NSW $3,634
Cebu $1,409

Monthly costs for a family of three with rent: $4,895 in Nowra NSW versus $1,900 in Cebu.

Nowra NSW $4,895
Cebu $1,900

Living in Nowra NSW is roughly 159% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Nowra NSW is 76% above, Cebu is 32% below.

Meal at Budget Restaurant

$20.68 A$29.62

$3.09 ₱194

569.26%

Three-Course Dinner for Two, Mid-Range

$91.4 A$131

$24.22 ₱1,519

277.21%

Fast Food Meal (McDonalds, etc)

$10.37 A$14.85

$3.92 ₱246

164.54%

Cappuccino

$3.97 A$5.69

$2.51 ₱157

58.17%

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

$3.16 A$4.53

$1.59 ₱99.8

98.74%

Water (0.33 liter bottle)

$2.61 A$3.74

$0.53 ₱33.31

392.45%

Local Beer (0.5 liter draught)

$8.41 A$12.05

$1.78 ₱112

372.47%

Imported Beer (0.33 liter bottle)

$9.90 A$14.18

$2.17 ₱136

356.22%

Milk (1 liter)

$1.26 A$1.81

$1.92 ₱120

-34.37%

White Bread (500g)

$2.86 A$4.10

$1.36 ₱85.1

110.29%

Rice (white) (1kg)

$2.53 A$3.63

$1.01 ₱63.3

150.50%

Eggs

$5.40 A$7.74

$2.03 ₱127

166.01%

Local Cheese (1kg)

$11.68 A$16.73

$9.86 ₱619

18.46%

Chicken Fillets (1kg)

$9.94 A$14.24

$4.39 ₱276

126.42%

Beef Round Steak (1kg)

$15.16 A$21.72

$7.60 ₱477

99.47%

Apples (1kg)

$3.92 A$5.62

$3.30 ₱207

18.79%

Banana (1kg)

$3.17 A$4.54

$1.39 ₱87.4

128.06%

Oranges (1kg)

$3.55 A$5.09

$2.33 ₱146

52.36%

Tomato (1kg)

$5.25 A$7.52

$1.50 ₱93.9

250.00%

Potato (1kg)

$3.05 A$4.37

$2.36 ₱148

29.24%

Onion (1kg)

$2.76 A$3.95

$1.90 ₱119

45.26%

Lettuce (1 head)

$2.46 A$3.52

$1.19 ₱74.6

106.72%

Water (1.5 liter bottle)

$1.37 A$1.97

$0.63 ₱39.56

117.46%

Cigarettes 20 Pack (Marlboro, Camel)

$44.71 A$64.1

$3.00 ₱188

1390.33%

Wine (Bottle)

$14.03 A$20.10

$6.03 ₱378

132.67%

Local Beer (0.5 liter bottle)

$4.83 A$6.91

$1.23 ₱77.4

292.68%

Imported Beer (0.33 liter bottle)

$5.37 A$7.69

$1.75 ₱110

206.86%

One-way Ticket (Public Transport)

$2.89 A$4.14

$0.25 ₱15.80

1056.00%

Public Transport Monthly Pass (Regular Price)

$80.0 A$115

$12.64 ₱792

532.52%

Taxi Start (Normal Tariff)

$4.11 A$5.89

$0.77 ₱48.43

433.77%

Taxi (Normal Tariff) (1km)

$1.62 A$2.33

$0.23 ₱14.47

604.35%

Taxi 1hour Waiting (Normal Tariff)

$42.29 A$60.6

$4.46 ₱279

848.21%

Gasoline (1 liter)

$1.38 A$1.97

$1.31 ₱82.5

5.34%

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

$26.4K A$37.8K

$21.2K ₱1.3M

24.36%

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

$29.7K A$42.6K

$19.1K ₱1.2M

55.21%

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

$182 A$261

$120 ₱7,540

51.72%

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

$26.74 A$38.30

$14.00 ₱878

91.00%

Internet (50+ Mbps, Unlimited Data)

$54.9 A$78.6

$27.54 ₱1,727

99.27%

Gym Membership (Monthly)

$52.7 A$75.5

$32.33 ₱2,028

63.01%

Tennis Court (1 Hour on Weekend)

$19.49 A$27.92

$6.65 ₱417

193.08%

Cinema Ticket

$15.77 A$22.59

$5.65 ₱354

179.12%

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

$2,394 A$3,430

$275 ₱17.3K

769.65%

International Primary School, 1 Child (Yearly)

$20.3K A$29.0K

$7,918 ₱496.6K

155.90%

Jeans (Levis 501 Or Similar)

$75.4 A$108

$49.33 ₱3,094

52.85%

Summer Dress (H&M, Zara, etc)

$55.3 A$79.2

$25.24 ₱1,583

119.14%

Sport Shoes (Adidas, Nike)

$106 A$152

$77.0 ₱4,827

38.29%

Men's Leather Business Shoes

$130 A$186

$57.2 ₱3,587

126.59%

1-bedroom Apartment, City Center (Monthly)

$1,409 A$2,019

$500 ₱31.3K

182.09%

1-bedroom Apartment, Outside City Center (Monthly)

$1,040 A$1,490

$309 ₱19.4K

236.88%

3-bedroom Apartment, City Center (Monthly)

$2,010 A$2,879

$1,078 ₱67.6K

86.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,838 A$2,633

$615 ₱38.6K

198.75%

Buy Apartment in City Center (m2)

$5,656 A$8,102

$2,886 ₱181.0K

95.96%

Buy Apartment Outside City Center (m2)

$4,294 A$6,151

$1,917 ₱120.2K

124.04%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

7.2

-17.36%

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

Last update for Nowra NSW: 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

Nowra NSW

$1K 43.8%

Cebu

$309 33.6% 70.3% $732

Groceries & Markets

Nowra NSW

$386 16.3%

Cebu

$206 22.4% 46.7% $180

Eating Out

Nowra NSW

$329 13.9%

Cebu

$88 9.6% 73.2% $241

Monthly Utilities & Internet

Nowra NSW

$264 11.1%

Cebu

$162 17.6% 38.7% $102

Clothing & Footwear

Nowra NSW

$165 7%

Cebu

$94 10.2% 43.1% $71

Getting Around

Nowra NSW

$104 4.4%

Cebu

$16 1.7% 85% $88

Sport & Entertainment

Nowra NSW

$84 3.6%

Cebu

$44 4.8% 48.2% $41

Cost Breakdown

A one-bedroom apartment in the center runs $1,409 in Nowra NSW and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $91.0 in Nowra NSW vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $386 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇦🇺 Nowra NSW

🇵🇭 Cebu

🕒 Local time

08:58 8:58 AM

05:58 5:58 AM

3 h behind Nowra NSW

🌤 Weather

👥 Population

9,598

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.698 USD

1 AUD = 0.624 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 13, 2026: 1 USD = 1.43 AUD (1 AUD = 0.698 USD). 1 EUR = 1.6 AUD (1 AUD = 0.624 EUR).

Philippine Peso exchange rates as of October 13, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.19 PHP (100 PHP = 1.42 EUR).

USD to AUD in detail →

On the map

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Between locations

Nowra NSW Cebu 5,760 km ≈ 8 h nonstop flight

From you

Nowra NSW
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

Nowra NSW vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 159% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,559 in Nowra NSW 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: $1,409 in Nowra NSW versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,373 per month in Nowra NSW versus $918 in Cebu – a 159% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 533% less than in Nowra NSW. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,373 in Nowra NSW, a $1,500 budget is realistic in Cebu but tight or insufficient in Nowra NSW. 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 Nowra NSW, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Nowra NSW 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 159% less than in Nowra NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.