Last update: Oct 2026

Cost of Living Comparison Between Oued Zem and Cebu

For one person, living is cheaper in Oued Zem: $744 a month against $918 in Cebu, rent and utilities included – about $2,100 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

36

Cost of Living Index in Oued Zem
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Oued Zem Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Oued Zem

🇲🇦 Morocco

$744

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $744 in Oued Zem versus $918 in Cebu.

Oued Zem $744
Cebu $918

Estimated couple costs with rent: $1,188 in Oued Zem versus $1,409 in Cebu.

Oued Zem $1,188
Cebu $1,409

Monthly costs for a family of three with rent: $1,633 in Oued Zem versus $1,900 in Cebu.

Oued Zem $1,633
Cebu $1,900

Living in Oued Zem costs roughly 19% less than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Oued Zem 45% lower, Cebu 32% lower.

Meal at Budget Restaurant

$4.23 MAD 41.20

$3.09 ₱194

36.89%

Three-Course Dinner for Two, Mid-Range

$41.45 MAD 404

$24.22 ₱1,525

71.14%

Fast Food Meal (McDonalds, etc)

$7.16 MAD 69.8

$3.92 ₱247

82.65%

Cappuccino

$1.97 MAD 19.23

$2.51 ₱158

-21.51%

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

$0.54 MAD 5.25

$1.59 ₱100

-66.04%

Water (0.33 liter bottle)

$0.37 MAD 3.56

$0.53 ₱33.43

-30.19%

Local Beer (0.5 liter draught)

$5.08 MAD 49.57

$1.78 ₱112

185.39%

Imported Beer (0.33 liter bottle)

$3.28 MAD 31.95

$2.17 ₱137

51.15%

Milk (1 liter)

$0.84 MAD 8.16

$1.92 ₱121

-56.25%

White Bread (500g)

$0.63 MAD 6.09

$1.36 ₱85.4

-53.68%

Rice (white) (1kg)

$1.89 MAD 18.40

$1.01 ₱63.5

87.13%

Eggs

$1.89 MAD 18.42

$2.03 ₱128

-6.90%

Local Cheese (1kg)

$11.57 MAD 113

$9.86 ₱621

17.34%

Chicken Fillets (1kg)

$6.72 MAD 65.6

$4.39 ₱277

53.08%

Beef Round Steak (1kg)

$12.01 MAD 117

$7.60 ₱479

58.03%

Apples (1kg)

$1.62 MAD 15.82

$3.30 ₱208

-50.91%

Banana (1kg)

$1.38 MAD 13.50

$1.39 ₱87.8

-0.72%

Oranges (1kg)

$0.82 MAD 8.00

$2.33 ₱147

-64.81%

Tomato (1kg)

$0.83 MAD 8.13

$1.50 ₱94.3

-44.67%

Potato (1kg)

$0.69 MAD 6.71

$2.36 ₱149

-70.76%

Onion (1kg)

$0.76 MAD 7.36

$1.90 ₱119

-60.00%

Lettuce (1 head)

$0.40 MAD 3.93

$1.19 ₱74.9

-66.39%

Water (1.5 liter bottle)

$0.65 MAD 6.34

$0.63 ₱39.71

3.17%

Cigarettes 20 Pack (Marlboro, Camel)

$4.15 MAD 40.43

$3.00 ₱189

38.33%

Wine (Bottle)

$7.61 MAD 74.2

$6.03 ₱379

26.20%

Local Beer (0.5 liter bottle)

$2.62 MAD 25.51

$1.23 ₱77.7

113.01%

Imported Beer (0.33 liter bottle)

$2.73 MAD 26.60

$1.75 ₱110

56.00%

One-way Ticket (Public Transport)

$0.52 MAD 5.10

$0.25 ₱15.86

108.00%

Public Transport Monthly Pass (Regular Price)

$18.72 MAD 183

$12.64 ₱796

48.10%

Taxi Start (Normal Tariff)

$0.70 MAD 6.86

$0.77 ₱48.62

-9.09%

Taxi (Normal Tariff) (1km)

$0.75 MAD 7.30

$0.23 ₱14.53

226.09%

Taxi 1hour Waiting (Normal Tariff)

$4.02 MAD 39.19

$4.46 ₱281

-9.87%

Gasoline (1 liter)

$1.51 MAD 14.72

$1.31 ₱82.8

15.27%

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

$30.9K MAD 301.7K

$21.2K ₱1.3M

45.68%

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

$30.9K MAD 301.7K

$19.1K ₱1.2M

61.62%

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

$36.62 MAD 357

$120 ₱7,569

-69.54%

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

$10.06 MAD 98.0

$14.00 ₱882

-28.14%

Internet (50+ Mbps, Unlimited Data)

$34.17 MAD 333

$27.54 ₱1,734

24.07%

Gym Membership (Monthly)

$29.12 MAD 284

$32.33 ₱2,035

-9.93%

Tennis Court (1 Hour on Weekend)

$20.76 MAD 202

$6.65 ₱419

212.18%

Cinema Ticket

$6.16 MAD 60.0

$5.65 ₱356

9.03%

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

$185 MAD 1,807

$275 ₱17.3K

-32.68%

International Primary School, 1 Child (Yearly)

$9,495 MAD 92.6K

$7,918 ₱498.5K

19.91%

Jeans (Levis 501 Or Similar)

$49.33 MAD 481

$49.33 ₱3,106

Summer Dress (H&M, Zara, etc)

$40.51 MAD 395

$25.24 ₱1,589

60.50%

Sport Shoes (Adidas, Nike)

$93.8 MAD 915

$77.0 ₱4,846

21.93%

Men's Leather Business Shoes

$65.2 MAD 636

$57.2 ₱3,601

14.06%

1-bedroom Apartment, City Center (Monthly)

$278 MAD 2,712

$500 ₱31.5K

-44.32%

1-bedroom Apartment, Outside City Center (Monthly)

$165 MAD 1,607

$309 ₱19.4K

-46.61%

3-bedroom Apartment, City Center (Monthly)

$478 MAD 4,664

$1,078 ₱67.9K

-55.61%

3-bedroom Apartment, Outside City Center (Monthly)

$246 MAD 2,398

$615 ₱38.7K

-60.02%

Buy Apartment in City Center (m2)

$1,115 MAD 10.9K

$2,886 ₱181.7K

-61.37%

Buy Apartment Outside City Center (m2)

$767 MAD 7,480

$1,917 ₱120.7K

-59.97%

Average Monthly Net Salary (After Tax)

$239 MAD 2,333

$346 ₱21.8K

-30.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.55

7.2

-36.81%

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

Last update for Oued Zem: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Oued Zem

$205 27.5%

Cebu

$206 22.4% 0.6% $1.1

Accommodation & Living

Oued Zem

$165 22.2%

Cebu

$309 33.6% 87.3% $144

Eating Out

Oued Zem

$115 15.4%

Cebu

$88 9.6% 22.9% $26

Clothing & Footwear

Oued Zem

$112 15.1%

Cebu

$94 10.2% 16.1% $18

Monthly Utilities & Internet

Oued Zem

$81 10.9%

Cebu

$162 17.6% 100% $81

Sport & Entertainment

Oued Zem

$41 5.6%

Cebu

$44 4.8% 5.3% $2.2

Getting Around

Oued Zem

$25 3.4%

Cebu

$16 1.7% 38.4% $9.7

Cost Breakdown

A one-bedroom apartment in the center runs $278 in Oued Zem and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 45% 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: $41.00 in Oued Zem vs $24.00 in Cebu. Groceries flip the comparison at $205 vs $206, with Oued Zem cheaper for home cooking.

Good to know

🇲🇦 Oued Zem

🇵🇭 Cebu

🕒 Local time

08:59 8:59 AM

15:59 3:59 PM

7 h ahead of Oued Zem

🌤 Weather

👥 Population

95,267

964,169

💱 Currency

Moroccan Dirham MAD د.م.

Philippine Peso PHP ₱

📈 Exchange rate

100 MAD = 10.26 USD

100 MAD = 9.12 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to MAD – Moroccan Dirham Converter

🇺🇸 United States Dollar ($)

🇲🇦 Moroccan Dirham (د.م.)

Moroccan Dirham exchange rates as of October 19, 2026: 1 USD = 9.75 MAD (1 MAD = 0.103 USD). 1 EUR = 10.96 MAD (100 MAD = 9.12 EUR).

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 MAD in detail →

On the map

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Highest

Between locations

Oued Zem Cebu 12,910 km ≈ 17 h nonstop flight

From you

Oued Zem
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

Oued Zem vs Cebu: Cost of Living - Frequently Asked Questions

Oued Zem is cheaper overall, especially in groceries and leisure. The 23% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 45% lower in Cebu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $278 in Oued Zem versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $744 per month in Oued Zem versus $918 in Cebu – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Oued Zem runs roughly 48% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,200 a month, though Oued Zem gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Oued Zem is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Oued Zem 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 Oued Zem gentler on the wallet – expenses run 23% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.