Last update: Oct 2026

Cost of Living Comparison Between Oxford and Cebu

For one person, living is cheaper in Cebu: $934 a month against $3,140 in Oxford, rent and utilities included – about $26,500 less a year. Rent and utilities account for most of the difference.

154

Cost of Living Index in Oxford
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Oxford Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Oxford

🇬🇧 United Kingdom

$3,140

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,140 in Oxford versus $934 in Cebu.

Oxford $3,140
Cebu $934

Estimated couple costs with rent: $4,486 in Oxford versus $1,415 in Cebu.

Oxford $4,486
Cebu $1,415

Monthly costs for a family of three with rent: $5,831 in Oxford versus $1,896 in Cebu.

Oxford $5,831
Cebu $1,896

Living in Oxford is roughly 236% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Oxford is 134% above, Cebu is 30% below.

Meal at Budget Restaurant

$24.41 £18.44

$3.03 ₱190

705.61%

Three-Course Dinner for Two, Mid-Range

$105 £79.5

$23.48 ₱1,473

347.96%

Fast Food Meal (McDonalds, etc)

$10.78 £8.15

$4.09 ₱256

163.57%

Cappuccino

$5.00 £3.78

$2.52 ₱158

98.41%

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

$4.41 £3.33

$1.54 ₱96.9

186.36%

Water (0.33 liter bottle)

$2.29 £1.73

$0.49 ₱30.98

367.35%

Local Beer (0.5 liter draught)

$8.99 £6.79

$1.79 ₱112

402.23%

Imported Beer (0.33 liter bottle)

$8.39 £6.34

$2.26 ₱142

271.24%

Milk (1 liter)

$1.67 £1.26

$1.95 ₱122

-14.36%

White Bread (500g)

$1.61 £1.22

$1.43 ₱89.7

12.59%

Rice (white) (1kg)

$1.92 £1.45

$1.02 ₱63.8

88.24%

Eggs

$4.27 £3.23

$2.06 ₱129

107.28%

Local Cheese (1kg)

$14.46 £10.93

$9.81 ₱615

47.40%

Chicken Fillets (1kg)

$8.20 £6.20

$4.61 ₱289

77.87%

Beef Round Steak (1kg)

$14.87 £11.24

$7.70 ₱483

93.12%

Apples (1kg)

$3.44 £2.60

$3.31 ₱207

3.93%

Banana (1kg)

$1.62 £1.22

$1.45 ₱90.9

11.72%

Oranges (1kg)

$3.03 £2.29

$2.36 ₱148

28.39%

Tomato (1kg)

$3.50 £2.64

$1.54 ₱96.4

127.27%

Potato (1kg)

$1.74 £1.31

$2.36 ₱148

-26.27%

Onion (1kg)

$1.73 £1.31

$1.99 ₱125

-13.07%

Lettuce (1 head)

$1.17 £0.88

$1.15 ₱72.1

1.74%

Water (1.5 liter bottle)

$1.65 £1.25

$0.67 ₱42.15

146.27%

Cigarettes 20 Pack (Marlboro, Camel)

$23.08 £17.44

$3.00 ₱188

669.33%

Wine (Bottle)

$11.15 £8.43

$6.35 ₱398

75.59%

Local Beer (0.5 liter bottle)

$3.44 £2.60

$1.31 ₱81.9

162.60%

Imported Beer (0.33 liter bottle)

$3.57 £2.70

$1.73 ₱108

106.36%

One-way Ticket (Public Transport)

$4.04 £3.05

$0.25 ₱15.78

1516.00%

Public Transport Monthly Pass (Regular Price)

$107 £80.7

$12.65 ₱793

744.27%

Taxi Start (Normal Tariff)

$4.95 £3.74

$0.74 ₱46.32

568.92%

Taxi (Normal Tariff) (1km)

$3.14 £2.37

$0.21 ₱13.11

1395.24%

Taxi 1hour Waiting (Normal Tariff)

$41.40 £31.28

$4.33 ₱271

856.12%

Gasoline (1 liter)

$2.09 £1.58

$1.33 ₱83.5

57.14%

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

$38.9K £29.4K

$21.8K ₱1.4M

78.64%

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

$40.1K £30.3K

$19.4K ₱1.2M

106.89%

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

$355 £268

$121 ₱7,563

194.10%

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

$17.88 £13.51

$14.45 ₱907

23.74%

Internet (50+ Mbps, Unlimited Data)

$42.92 £32.44

$28.29 ₱1,774

51.71%

Gym Membership (Monthly)

$44.70 £33.78

$32.68 ₱2,050

36.78%

Tennis Court (1 Hour on Weekend)

$11.33 £8.56

$6.39 ₱401

77.31%

Cinema Ticket

$14.51 £10.97

$5.46 ₱342

165.75%

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

$2,266 £1,713

$273 ₱17.1K

728.89%

International Primary School, 1 Child (Yearly)

$15.4K £11.6K

$8,156 ₱511.5K

88.49%

Jeans (Levis 501 Or Similar)

$95.3 £72.0

$49.57 ₱3,109

92.21%

Summer Dress (H&M, Zara, etc)

$45.69 £34.53

$24.87 ₱1,560

83.72%

Sport Shoes (Adidas, Nike)

$101 £76.4

$76.6 ₱4,804

32.05%

Men's Leather Business Shoes

$102 £77.1

$59.3 ₱3,717

72.19%

1-bedroom Apartment, City Center (Monthly)

$2,279 £1,722

$506 ₱31.7K

350.63%

1-bedroom Apartment, Outside City Center (Monthly)

$1,656 £1,252

$309 ₱19.4K

435.25%

3-bedroom Apartment, City Center (Monthly)

$3,222 £2,435

$1,052 ₱66.0K

206.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,582 £1,951

$619 ₱38.8K

317.11%

Buy Apartment in City Center (m2)

$7,976 £6,028

$2,915 ₱182.9K

173.59%

Buy Apartment Outside City Center (m2)

$6,813 £5,148

$1,867 ₱117.1K

264.88%

Average Monthly Net Salary (After Tax)

$3,924 £2,966

$341 ₱21.4K

1050.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.79

7.2

-33.47%

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

Last update for Oxford: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Oxford

$1.7K 52.7%

Cebu

$309 33.5% 81.3% $1.3K

Monthly Utilities & Internet

Oxford

$415 13.2%

Cebu

$163 17.7% 60.7% $252

Eating Out

Oxford

$376 12%

Cebu

$88 9.6% 76.5% $288

Groceries & Markets

Oxford

$323 10.3%

Cebu

$210 22.7% 34.9% $113

Clothing & Footwear

Oxford

$155 4.9%

Cebu

$95 10.2% 38.9% $60

Getting Around

Oxford

$144 4.6%

Cebu

$15 1.7% 89.2% $128

Sport & Entertainment

Oxford

$74 2.4%

Cebu

$44 4.7% 40.9% $30

Cost Breakdown

A one-bedroom apartment in the center runs $2,279 in Oxford and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Oxford pays 1051% 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: $105 in Oxford vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $323 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Oxford

🇵🇭 Cebu

🕒 Local time

04:57 4:57 AM

11:57 11:57 AM

7 h ahead of Oxford

🌤 Weather

👥 Population

165,000

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 10, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.848 GBP (1 GBP = 1.18 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 GBP in detail →

On the map

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Between locations

Oxford Cebu 11,360 km ≈ 15 h nonstop flight

From you

Oxford
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

Oxford vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 236% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1051% higher in Oxford, 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: $2,279 in Oxford versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $3,140 per month in Oxford versus $934 in Cebu – a 236% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 744% less than in Oxford. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $3,140 in Oxford, a $1,500 budget is realistic in Cebu but tight or insufficient in Oxford. 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 Oxford, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Oxford 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 236% less than in Oxford. Beyond cost, consider language, visa policies, and how big the international community is in each city.