Last update: Oct 2026

Cost of Living Comparison Between Opatija and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,755 in Opatija, rent and utilities included – about $10,000 less a year. Rent and utilities account for most of the difference.

85

Cost of Living Index in Opatija
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Opatija Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Opatija

🇭🇷 Croatia

$1,755

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,755 in Opatija versus $918 in Cebu.

Opatija $1,755
Cebu $918

Estimated couple costs with rent: $2,443 in Opatija versus $1,409 in Cebu.

Opatija $2,443
Cebu $1,409

Monthly costs for a family of three with rent: $3,132 in Opatija versus $1,900 in Cebu.

Opatija $3,132
Cebu $1,900

Living in Opatija is roughly 91% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Opatija is 30% above, Cebu is 32% below.

Meal at Budget Restaurant

$12.39 €11.02

$3.09 ₱194

300.97%

Three-Course Dinner for Two, Mid-Range

$61.7 €54.8

$24.22 ₱1,525

154.58%

Fast Food Meal (McDonalds, etc)

$8.22 €7.31

$3.92 ₱247

109.69%

Cappuccino

$2.43 €2.16

$2.51 ₱158

-3.19%

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

$3.12 €2.77

$1.59 ₱100

96.23%

Water (0.33 liter bottle)

$1.90 €1.69

$0.53 ₱33.43

258.49%

Local Beer (0.5 liter draught)

$3.27 €2.91

$1.78 ₱112

83.71%

Imported Beer (0.33 liter bottle)

$4.50 €4.00

$2.17 ₱137

107.37%

Milk (1 liter)

$1.19 €1.06

$1.92 ₱121

-38.02%

White Bread (500g)

$1.62 €1.44

$1.36 ₱85.4

19.12%

Rice (white) (1kg)

$2.69 €2.39

$1.01 ₱63.5

166.34%

Eggs

$3.81 €3.39

$2.03 ₱128

87.68%

Local Cheese (1kg)

$14.69 €13.07

$9.86 ₱621

48.99%

Chicken Fillets (1kg)

$10.02 €8.91

$4.39 ₱277

128.25%

Beef Round Steak (1kg)

$14.44 €12.84

$7.60 ₱479

90.00%

Apples (1kg)

$1.64 €1.46

$3.30 ₱208

-50.30%

Banana (1kg)

$1.73 €1.54

$1.39 ₱87.8

24.46%

Oranges (1kg)

$1.89 €1.68

$2.33 ₱147

-18.88%

Tomato (1kg)

$2.59 €2.30

$1.50 ₱94.3

72.67%

Potato (1kg)

$1.31 €1.17

$2.36 ₱149

-44.49%

Onion (1kg)

$1.15 €1.02

$1.90 ₱119

-39.47%

Lettuce (1 head)

$1.19 €1.06

$1.19 ₱74.9

Water (1.5 liter bottle)

$1.29 €1.15

$0.63 ₱39.71

104.76%

Cigarettes 20 Pack (Marlboro, Camel)

$5.70 €5.07

$3.00 ₱189

90.00%

Wine (Bottle)

$7.59 €6.75

$6.03 ₱379

25.87%

Local Beer (0.5 liter bottle)

$1.64 €1.46

$1.23 ₱77.7

33.33%

Imported Beer (0.33 liter bottle)

$2.15 €1.92

$1.75 ₱110

22.86%

One-way Ticket (Public Transport)

$1.63 €1.45

$0.25 ₱15.86

552.00%

Public Transport Monthly Pass (Regular Price)

$46.88 €41.70

$12.64 ₱796

270.89%

Taxi Start (Normal Tariff)

$4.43 €3.94

$0.77 ₱48.62

475.32%

Taxi (Normal Tariff) (1km)

$1.43 €1.27

$0.23 ₱14.53

521.74%

Taxi 1hour Waiting (Normal Tariff)

$11.65 €10.36

$4.46 ₱281

161.21%

Gasoline (1 liter)

$1.86 €1.65

$1.31 ₱82.8

41.98%

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

$28.4K €25.3K

$21.2K ₱1.3M

33.74%

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

$24.6K €21.9K

$19.1K ₱1.2M

28.63%

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

$191 €170

$120 ₱7,569

59.10%

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

$23.45 €20.86

$14.00 ₱882

67.50%

Internet (50+ Mbps, Unlimited Data)

$39.30 €34.95

$27.54 ₱1,734

42.70%

Gym Membership (Monthly)

$46.83 €41.65

$32.33 ₱2,035

44.85%

Tennis Court (1 Hour on Weekend)

$13.90 €12.37

$6.65 ₱419

109.02%

Cinema Ticket

$6.79 €6.04

$5.65 ₱356

20.18%

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

$486 €432

$275 ₱17.3K

76.42%

International Primary School, 1 Child (Yearly)

$9,757 €8,679

$7,918 ₱498.5K

23.22%

Jeans (Levis 501 Or Similar)

$99.2 €88.3

$49.33 ₱3,106

101.14%

Summer Dress (H&M, Zara, etc)

$42.60 €37.89

$25.24 ₱1,589

68.78%

Sport Shoes (Adidas, Nike)

$97.9 €87.1

$77.0 ₱4,846

27.17%

Men's Leather Business Shoes

$110 €97.6

$57.2 ₱3,601

91.82%

1-bedroom Apartment, City Center (Monthly)

$684 €609

$500 ₱31.5K

36.98%

1-bedroom Apartment, Outside City Center (Monthly)

$735 €653

$309 ₱19.4K

137.87%

3-bedroom Apartment, City Center (Monthly)

$974 €867

$1,078 ₱67.9K

-9.60%

3-bedroom Apartment, Outside City Center (Monthly)

$869 €773

$615 ₱38.7K

41.28%

Buy Apartment in City Center (m2)

$4,263 €3,792

$2,886 ₱181.7K

47.71%

Buy Apartment Outside City Center (m2)

$3,478 €3,094

$1,917 ₱120.7K

81.48%

Average Monthly Net Salary (After Tax)

$1,203 €1,070

$346 ₱21.8K

247.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

7.2

-54.17%

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

Last update for Opatija: 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

Opatija

$735 41.9%

Cebu

$309 33.6% 58% $426

Groceries & Markets

Opatija

$285 16.2%

Cebu

$206 22.4% 27.8% $79

Monthly Utilities & Internet

Opatija

$254 14.5%

Cebu

$162 17.6% 36.3% $92

Eating Out

Opatija

$198 11.3%

Cebu

$88 9.6% 55.5% $110

Clothing & Footwear

Opatija

$157 9%

Cebu

$94 10.2% 40.3% $63

Getting Around

Opatija

$65 3.7%

Cebu

$16 1.7% 76% $49

Sport & Entertainment

Opatija

$60 3.4%

Cebu

$44 4.8% 27.8% $17

Cost Breakdown

A one-bedroom apartment in the center runs $684 in Opatija and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Opatija pays 248% 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: $62.0 in Opatija vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $285 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Opatija

🇵🇭 Cebu

🕒 Local time

17:00 5:00 PM

23:00 11:00 PM

6 h ahead of Opatija

🌤 Weather

👥 Population

10,619

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 →

On the map

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Between locations

Opatija Cebu 10,680 km ≈ 14 h nonstop flight

From you

Opatija
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

Opatija vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 91% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 248% higher in Opatija, 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: $684 in Opatija versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,755 per month in Opatija versus $918 in Cebu – a 91% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 271% less than in Opatija. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,755 in Opatija, a $1,500 budget is realistic in Cebu but tight or insufficient in Opatija. 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 Opatija, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Opatija 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 91% less than in Opatija. Beyond cost, consider language, visa policies, and how big the international community is in each city.