Last update: Oct 2026

Cost of Living Comparison Between Oslo and Cebu

For one person, living is cheaper in Cebu: $934 a month against $3,443 in Oslo, rent and utilities included – about $30,100 less a year. Rent and utilities account for most of the difference.

165

Cost of Living Index in Oslo
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Oslo Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Oslo

🇳🇴 Norway

$3,443

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,443 in Oslo versus $934 in Cebu.

Oslo $3,443
Cebu $934

Estimated couple costs with rent: $4,981 in Oslo versus $1,415 in Cebu.

Oslo $4,981
Cebu $1,415

Monthly costs for a family of three with rent: $6,519 in Oslo versus $1,896 in Cebu.

Oslo $6,519
Cebu $1,896

Living in Oslo is roughly 269% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Oslo is 157% above, Cebu is 30% below.

Meal at Budget Restaurant

$20.80 NOK 199

$3.03 ₱190

586.47%

Three-Course Dinner for Two, Mid-Range

$125 NOK 1,194

$23.48 ₱1,473

432.45%

Fast Food Meal (McDonalds, etc)

$15.81 NOK 151

$4.09 ₱256

286.55%

Cappuccino

$6.03 NOK 57.6

$2.52 ₱158

139.29%

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

$4.41 NOK 42.10

$1.54 ₱96.9

186.36%

Water (0.33 liter bottle)

$3.28 NOK 31.33

$0.49 ₱30.98

569.39%

Local Beer (0.5 liter draught)

$11.75 NOK 112

$1.79 ₱112

556.42%

Imported Beer (0.33 liter bottle)

$12.73 NOK 122

$2.26 ₱142

463.27%

Milk (1 liter)

$2.46 NOK 23.53

$1.95 ₱122

26.15%

White Bread (500g)

$4.20 NOK 40.08

$1.43 ₱89.7

193.71%

Rice (white) (1kg)

$4.62 NOK 44.16

$1.02 ₱63.8

352.94%

Eggs

$5.99 NOK 57.2

$2.06 ₱129

190.78%

Local Cheese (1kg)

$14.83 NOK 142

$9.81 ₱615

51.17%

Chicken Fillets (1kg)

$15.56 NOK 149

$4.61 ₱289

237.53%

Beef Round Steak (1kg)

$31.16 NOK 298

$7.70 ₱483

304.68%

Apples (1kg)

$3.36 NOK 32.05

$3.31 ₱207

1.51%

Banana (1kg)

$2.58 NOK 24.62

$1.45 ₱90.9

77.93%

Oranges (1kg)

$3.52 NOK 33.63

$2.36 ₱148

49.15%

Tomato (1kg)

$5.74 NOK 54.9

$1.54 ₱96.4

272.73%

Potato (1kg)

$2.67 NOK 25.46

$2.36 ₱148

13.14%

Onion (1kg)

$2.84 NOK 27.08

$1.99 ₱125

42.71%

Lettuce (1 head)

$3.15 NOK 30.05

$1.15 ₱72.1

173.91%

Water (1.5 liter bottle)

$2.48 NOK 23.66

$0.67 ₱42.15

270.15%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 NOK 182

$3.00 ₱188

536.33%

Wine (Bottle)

$16.58 NOK 158

$6.35 ₱398

161.10%

Local Beer (0.5 liter bottle)

$3.35 NOK 32.01

$1.31 ₱81.9

155.73%

Imported Beer (0.33 liter bottle)

$4.33 NOK 41.31

$1.73 ₱108

150.29%

One-way Ticket (Public Transport)

$4.84 NOK 46.25

$0.25 ₱15.78

1836.00%

Public Transport Monthly Pass (Regular Price)

$82.6 NOK 789

$12.65 ₱793

552.81%

Taxi Start (Normal Tariff)

$11.70 NOK 112

$0.74 ₱46.32

1481.08%

Taxi (Normal Tariff) (1km)

$1.85 NOK 17.68

$0.21 ₱13.11

780.95%

Taxi 1hour Waiting (Normal Tariff)

$69.0 NOK 659

$4.33 ₱271

1492.61%

Gasoline (1 liter)

$2.33 NOK 22.23

$1.33 ₱83.5

75.19%

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

$47.4K NOK 453.0K

$21.8K ₱1.4M

117.91%

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

$43.5K NOK 415.8K

$19.4K ₱1.2M

124.44%

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

$415 NOK 3,967

$121 ₱7,563

244.48%

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

$33.37 NOK 319

$14.45 ₱907

130.93%

Internet (50+ Mbps, Unlimited Data)

$55.1 NOK 526

$28.29 ₱1,774

94.70%

Gym Membership (Monthly)

$58.7 NOK 561

$32.68 ₱2,050

79.71%

Tennis Court (1 Hour on Weekend)

$28.61 NOK 273

$6.39 ₱401

347.73%

Cinema Ticket

$19.45 NOK 186

$5.46 ₱342

256.23%

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

$233 NOK 2,229

$273 ₱17.1K

-14.63%

International Primary School, 1 Child (Yearly)

$15.4K NOK 147.2K

$8,156 ₱511.5K

88.97%

Jeans (Levis 501 Or Similar)

$101 NOK 962

$49.57 ₱3,109

103.23%

Summer Dress (H&M, Zara, etc)

$58.6 NOK 560

$24.87 ₱1,560

135.79%

Sport Shoes (Adidas, Nike)

$134 NOK 1,276

$76.6 ₱4,804

74.47%

Men's Leather Business Shoes

$153 NOK 1,462

$59.3 ₱3,717

158.40%

1-bedroom Apartment, City Center (Monthly)

$2,021 NOK 19.3K

$506 ₱31.7K

299.61%

1-bedroom Apartment, Outside City Center (Monthly)

$1,576 NOK 15.0K

$309 ₱19.4K

409.20%

3-bedroom Apartment, City Center (Monthly)

$3,054 NOK 29.2K

$1,052 ₱66.0K

190.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,346 NOK 22.4K

$619 ₱38.8K

278.98%

Buy Apartment in City Center (m2)

$11.8K NOK 112.2K

$2,915 ₱182.9K

303.10%

Buy Apartment Outside City Center (m2)

$6,804 NOK 65.0K

$1,867 ₱117.1K

264.41%

Average Monthly Net Salary (After Tax)

$4,578 NOK 43.7K

$341 ₱21.4K

1242.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

7.2

-31.39%

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

Last update for Oslo: October 4, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Oslo

$1.6K 46.1%

Cebu

$309 33.5% 80.4% $1.3K

Groceries & Markets

Oslo

$514 15.1%

Cebu

$210 22.7% 59.1% $304

Monthly Utilities & Internet

Oslo

$504 14.8%

Cebu

$163 17.7% 67.6% $341

Eating Out

Oslo

$401 11.7%

Cebu

$88 9.6% 78% $313

Clothing & Footwear

Oslo

$201 5.9%

Cebu

$95 10.2% 52.9% $106

Getting Around

Oslo

$123 3.6%

Cebu

$15 1.7% 87.4% $107

Sport & Entertainment

Oslo

$98 2.9%

Cebu

$44 4.7% 55.3% $54

Cost Breakdown

A one-bedroom apartment in the center runs $2,021 in Oslo and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Oslo pays 1242% 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: $125 in Oslo vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $514 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Oslo

🇵🇭 Cebu

🕒 Local time

08:16 8:16 AM

14:16 2:16 PM

6 h ahead of Oslo

🌤 Weather

👥 Population

1,098,061 Capital

964,169

💱 Currency

Norwegian Krone NOK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 NOK = 10.47 USD

100 NOK = 9.34 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 10, 2026: 1 USD = 9.55 NOK (1 NOK = 0.105 USD). 1 EUR = 10.71 NOK (100 NOK = 9.34 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to NOK in detail →

On the map

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Between locations

Oslo Cebu 10,260 km ≈ 13 h nonstop flight

From you

Oslo
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

Oslo vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 269% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1242% higher in Oslo, 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: $2,021 in Oslo versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $3,443 per month in Oslo versus $934 in Cebu – a 269% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 553% less than in Oslo. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $3,443 in Oslo, a $1,500 budget is realistic in Cebu but tight or insufficient in Oslo. 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 Oslo, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Oslo 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 269% less than in Oslo. Beyond cost, consider language, visa policies, and how big the international community is in each city.