Last update: Oct 2026

Cost of Living Comparison Between Osijek and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,408 in Osijek, rent and utilities included – about $5,900 less a year. Other living expenses account for most of the difference.

69

Cost of Living Index in Osijek
Learn more

Osijek Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Osijek

🇭🇷 Croatia

$1,408

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,408 in Osijek versus $918 in Cebu.

Osijek $1,408
Cebu $918

Estimated couple costs with rent: $2,194 in Osijek versus $1,409 in Cebu.

Osijek $2,194
Cebu $1,409

Monthly costs for a family of three with rent: $2,979 in Osijek versus $1,900 in Cebu.

Osijek $2,979
Cebu $1,900

Living in Osijek is roughly 53% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Osijek is 4% above, Cebu is 32% below.

Meal at Budget Restaurant

$11.37 €10.12

$3.09 ₱194

267.96%

Three-Course Dinner for Two, Mid-Range

$56.2 €50.0

$24.22 ₱1,525

132.08%

Fast Food Meal (McDonalds, etc)

$8.90 €7.92

$3.92 ₱247

127.04%

Cappuccino

$2.63 €2.34

$2.51 ₱158

4.78%

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

$3.38 €3.01

$1.59 ₱100

112.58%

Water (0.33 liter bottle)

$2.88 €2.56

$0.53 ₱33.43

443.40%

Local Beer (0.5 liter draught)

$5.62 €5.00

$1.78 ₱112

215.73%

Imported Beer (0.33 liter bottle)

$5.65 €5.03

$2.17 ₱137

160.37%

Milk (1 liter)

$1.16 €1.03

$1.92 ₱121

-39.58%

White Bread (500g)

$1.56 €1.39

$1.36 ₱85.4

14.71%

Rice (white) (1kg)

$2.79 €2.49

$1.01 ₱63.5

176.24%

Eggs

$3.48 €3.09

$2.03 ₱128

71.43%

Local Cheese (1kg)

$11.86 €10.55

$9.86 ₱621

20.28%

Chicken Fillets (1kg)

$8.77 €7.80

$4.39 ₱277

99.77%

Beef Round Steak (1kg)

$11.82 €10.51

$7.60 ₱479

55.53%

Apples (1kg)

$1.72 €1.53

$3.30 ₱208

-47.88%

Banana (1kg)

$1.64 €1.46

$1.39 ₱87.8

17.99%

Oranges (1kg)

$1.86 €1.66

$2.33 ₱147

-20.17%

Tomato (1kg)

$2.57 €2.29

$1.50 ₱94.3

71.33%

Potato (1kg)

$1.27 €1.13

$2.36 ₱149

-46.19%

Onion (1kg)

$1.20 €1.07

$1.90 ₱119

-36.84%

Lettuce (1 head)

$1.21 €1.07

$1.19 ₱74.9

1.68%

Water (1.5 liter bottle)

$1.14 €1.01

$0.63 ₱39.71

80.95%

Cigarettes 20 Pack (Marlboro, Camel)

$5.77 €5.13

$3.00 ₱189

92.33%

Wine (Bottle)

$7.81 €6.95

$6.03 ₱379

29.52%

Local Beer (0.5 liter bottle)

$1.56 €1.39

$1.23 ₱77.7

26.83%

Imported Beer (0.33 liter bottle)

$2.06 €1.84

$1.75 ₱110

17.71%

One-way Ticket (Public Transport)

$1.66 €1.47

$0.25 ₱15.86

564.00%

Public Transport Monthly Pass (Regular Price)

$36.60 €32.56

$12.64 ₱796

189.56%

Taxi Start (Normal Tariff)

$2.29 €2.04

$0.77 ₱48.62

197.40%

Taxi (Normal Tariff) (1km)

$1.10 €0.98

$0.23 ₱14.53

378.26%

Taxi 1hour Waiting (Normal Tariff)

$14.93 €13.28

$4.46 ₱281

234.75%

Gasoline (1 liter)

$1.83 €1.63

$1.31 ₱82.8

39.69%

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

$26.4K €23.4K

$21.2K ₱1.3M

24.10%

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

$24.3K €21.6K

$19.1K ₱1.2M

27.03%

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

$191 €170

$120 ₱7,569

58.84%

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

$21.51 €19.13

$14.00 ₱882

53.64%

Internet (50+ Mbps, Unlimited Data)

$44.57 €39.65

$27.54 ₱1,734

61.84%

Gym Membership (Monthly)

$47.33 €42.10

$32.33 ₱2,035

46.40%

Tennis Court (1 Hour on Weekend)

$8.86 €7.88

$6.65 ₱419

33.23%

Cinema Ticket

$10.11 €9.00

$5.65 ₱356

78.94%

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

$421 €374

$275 ₱17.3K

52.89%

International Primary School, 1 Child (Yearly)

$4,171 €3,710

$7,918 ₱498.5K

-47.32%

Jeans (Levis 501 Or Similar)

$101 €89.8

$49.33 ₱3,106

104.62%

Summer Dress (H&M, Zara, etc)

$38.15 €33.93

$25.24 ₱1,589

51.15%

Sport Shoes (Adidas, Nike)

$98.5 €87.6

$77.0 ₱4,846

28.01%

Men's Leather Business Shoes

$109 €97.2

$57.2 ₱3,601

91.00%

1-bedroom Apartment, City Center (Monthly)

$640 €570

$500 ₱31.5K

28.21%

1-bedroom Apartment, Outside City Center (Monthly)

$405 €360

$309 ₱19.4K

31.01%

3-bedroom Apartment, City Center (Monthly)

$1,202 €1,069

$1,078 ₱67.9K

11.48%

3-bedroom Apartment, Outside City Center (Monthly)

$809 €719

$615 ₱38.7K

31.43%

Buy Apartment in City Center (m2)

$2,673 €2,378

$2,886 ₱181.7K

-7.37%

Buy Apartment Outside City Center (m2)

$2,162 €1,923

$1,917 ₱120.7K

12.83%

Average Monthly Net Salary (After Tax)

$1,368 €1,217

$346 ₱21.8K

295.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

7.2

-48.33%

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

Last update for Osijek: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Osijek

$405 28.7%

Cebu

$309 33.6% 23.7% $96

Groceries & Markets

Osijek

$258 18.3%

Cebu

$206 22.4% 20.3% $52

Monthly Utilities & Internet

Osijek

$257 18.3%

Cebu

$162 17.6% 37.1% $95

Eating Out

Osijek

$214 15.2%

Cebu

$88 9.6% 58.7% $125

Clothing & Footwear

Osijek

$156 11.1%

Cebu

$94 10.2% 39.8% $62

Sport & Entertainment

Osijek

$68 4.8%

Cebu

$44 4.8% 35.4% $24

Getting Around

Osijek

$51 3.6%

Cebu

$16 1.7% 69.5% $35

Cost Breakdown

A one-bedroom apartment in the center runs $640 in Osijek and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Osijek pays 295% 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: $56.0 in Osijek vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $258 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Osijek

🇵🇭 Cebu

🕒 Local time

01:35 1:35 AM

07:35 7:35 AM

6 h ahead of Osijek

🌤 Weather

👥 Population

75,535

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 19, 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 →

On the map

Lowest

Highest

Between locations

Osijek Cebu 10,350 km ≈ 13 h nonstop flight

From you

Osijek
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

Osijek vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 53% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 295% higher in Osijek, 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: $640 in Osijek versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,408 per month in Osijek versus $918 in Cebu – a 53% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 190% less than in Osijek. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,408 in Osijek, a $1,500 budget is realistic in Cebu but tight or insufficient in Osijek. 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 Osijek, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Osijek 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 53% less than in Osijek. Beyond cost, consider language, visa policies, and how big the international community is in each city.