Last update: Oct 2026

Cost of Living Comparison Between Oyo and Cebu

For one person, living is cheaper in Oyo: $626 a month against $918 in Cebu, rent and utilities included – about $3,500 less a year. Rent and utilities account for about half of the difference.

30

Cost of Living Index in Oyo
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Oyo Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Oyo

🇳🇬 Nigeria

$626

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $626 in Oyo versus $918 in Cebu.

Oyo $626
Cebu $918

Estimated couple costs with rent: $1,161 in Oyo versus $1,409 in Cebu.

Oyo $1,161
Cebu $1,409

Monthly costs for a family of three with rent: $1,695 in Oyo versus $1,900 in Cebu.

Oyo $1,695
Cebu $1,900

Living in Oyo costs roughly 32% less than in Cebu, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Oyo 54% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.72 ₦4,947

$3.09 ₱194

20.39%

Three-Course Dinner for Two, Mid-Range

$50.8 ₦67.5K

$24.22 ₱1,525

109.58%

Fast Food Meal (McDonalds, etc)

$7.48 ₦9,946

$3.92 ₱247

90.82%

Cappuccino

$2.79 ₦3,711

$2.51 ₱158

11.16%

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

$0.40 ₦536

$1.59 ₱100

-74.84%

Water (0.33 liter bottle)

$0.12 ₦166

$0.53 ₱33.43

-77.36%

Local Beer (0.5 liter draught)

$0.39 ₦520

$1.78 ₱112

-78.09%

Imported Beer (0.33 liter bottle)

$0.51 ₦677

$2.17 ₱137

-76.50%

Milk (1 liter)

$3.08 ₦4,090

$1.92 ₱121

60.42%

White Bread (500g)

$0.52 ₦691

$1.36 ₱85.4

-61.76%

Rice (white) (1kg)

$0.89 ₦1,182

$1.01 ₱63.5

-11.88%

Eggs

$2.25 ₦2,994

$2.03 ₱128

10.84%

Local Cheese (1kg)

$3.61 ₦4,799

$9.86 ₱621

-63.39%

Chicken Fillets (1kg)

$3.88 ₦5,167

$4.39 ₱277

-11.62%

Beef Round Steak (1kg)

$4.54 ₦6,035

$7.60 ₱479

-40.26%

Apples (1kg)

$1.65 ₦2,189

$3.30 ₱208

-50.00%

Banana (1kg)

$1.28 ₦1,703

$1.39 ₱87.8

-7.91%

Oranges (1kg)

$1.14 ₦1,519

$2.33 ₱147

-51.07%

Tomato (1kg)

$1.29 ₦1,714

$1.50 ₱94.3

-14.00%

Potato (1kg)

$1.32 ₦1,754

$2.36 ₱149

-44.07%

Onion (1kg)

$1.35 ₦1,792

$1.90 ₱119

-28.95%

Lettuce (1 head)

$0.89 ₦1,181

$1.19 ₱74.9

-25.21%

Water (1.5 liter bottle)

$0.31 ₦417

$0.63 ₱39.71

-50.79%

Cigarettes 20 Pack (Marlboro, Camel)

$0.55 ₦731

$3.00 ₱189

-81.67%

Wine (Bottle)

$2.52 ₦3,350

$6.03 ₱379

-58.21%

Local Beer (0.5 liter bottle)

$0.36 ₦484

$1.23 ₱77.7

-70.73%

Imported Beer (0.33 liter bottle)

$0.49 ₦656

$1.75 ₱110

-72.00%

One-way Ticket (Public Transport)

$0.37 ₦488

$0.25 ₱15.86

48.00%

Public Transport Monthly Pass (Regular Price)

$14.98 ₦19.9K

$12.64 ₱796

18.51%

Taxi Start (Normal Tariff)

$0.67 ₦891

$0.77 ₱48.62

-12.99%

Taxi (Normal Tariff) (1km)

$0.92 ₦1,222

$0.23 ₱14.53

300.00%

Taxi 1hour Waiting (Normal Tariff)

$2.24 ₦2,982

$4.46 ₱281

-49.78%

Gasoline (1 liter)

$0.82 ₦1,096

$1.31 ₱82.8

-37.40%

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

$11.4K ₦15.1M

$21.2K ₱1.3M

-46.49%

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

$13.9K ₦18.4M

$19.1K ₱1.2M

-27.63%

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

$14.96 ₦19.9K

$120 ₱7,569

-87.56%

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

$14.73 ₦19.6K

$14.00 ₱882

5.21%

Internet (50+ Mbps, Unlimited Data)

$33.32 ₦44.3K

$27.54 ₱1,734

20.99%

Gym Membership (Monthly)

$14.81 ₦19.7K

$32.33 ₱2,035

-54.19%

Tennis Court (1 Hour on Weekend)

$4.69 ₦6,235

$6.65 ₱419

-29.47%

Cinema Ticket

$6.19 ₦8,230

$5.65 ₱356

9.56%

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

$658 ₦875.1K

$275 ₱17.3K

138.96%

International Primary School, 1 Child (Yearly)

$19.9K ₦26.5M

$7,918 ₱498.5K

151.67%

Jeans (Levis 501 Or Similar)

$6.07 ₦8,075

$49.33 ₱3,106

-87.70%

Summer Dress (H&M, Zara, etc)

$17.88 ₦23.8K

$25.24 ₱1,589

-29.16%

Sport Shoes (Adidas, Nike)

$14.98 ₦19.9K

$77.0 ₱4,846

-80.54%

Men's Leather Business Shoes

$10.71 ₦14.2K

$57.2 ₱3,601

-81.28%

1-bedroom Apartment, City Center (Monthly)

$432 ₦574.1K

$500 ₱31.5K

-13.59%

1-bedroom Apartment, Outside City Center (Monthly)

$260 ₦345.9K

$309 ₱19.4K

-15.79%

3-bedroom Apartment, City Center (Monthly)

$1,111 ₦1.5M

$1,078 ₱67.9K

3.05%

3-bedroom Apartment, Outside City Center (Monthly)

$689 ₦916.8K

$615 ₱38.7K

12.04%

Buy Apartment in City Center (m2)

$751 ₦998.8K

$2,886 ₱181.7K

-73.98%

Buy Apartment Outside City Center (m2)

$187 ₦249.1K

$1,917 ₱120.7K

-90.23%

Average Monthly Net Salary (After Tax)

$33.32 ₦44.3K

$346 ₱21.8K

-90.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

38.89%

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

Last update for Oyo: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Oyo

$260 41.5%

Cebu

$309 33.6% 18.8% $49

Groceries & Markets

Oyo

$141 22.5%

Cebu

$206 22.4% 45.9% $65

Eating Out

Oyo

$91 14.5%

Cebu

$88 9.6% 2.7% $2.5

Monthly Utilities & Internet

Oyo

$63 10.1%

Cebu

$162 17.6% 157% $99

Sport & Entertainment

Oyo

$27 4.3%

Cebu

$44 4.8% 60.5% $16

Clothing & Footwear

Oyo

$22 3.6%

Cebu

$94 10.2% 321% $72

Getting Around

Oyo

$22 3.5%

Cebu

$16 1.7% 28.3% $6.1

Cost Breakdown

A one-bedroom apartment in the center runs $432 in Oyo and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 938% 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: $51.0 in Oyo vs $24.00 in Cebu. Groceries flip the comparison at $141 vs $206, with Oyo cheaper for home cooking.

Good to know

🇳🇬 Oyo

🇵🇭 Cebu

🕒 Local time

15:32 3:32 PM

22:32 10:32 PM

7 h ahead of Oyo

🌤 Weather

👥 Population

736,100

964,169

💱 Currency

Nigerian Naira NGN ₦

Philippine Peso PHP ₱

📈 Exchange rate

10,000 NGN = 7.52 USD

10,000 NGN = 6.69 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NGN – Nigerian Naira Converter

🇺🇸 United States Dollar ($)

🇳🇬 Nigerian Naira (₦)

Nigerian Naira exchange rates as of October 17, 2026: 1 USD = 1,330 NGN (10,000 NGN = 7.52 USD). 1 EUR = 1,496 NGN (10,000 NGN = 6.69 EUR).

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 NGN in detail →

On the map

Lowest

Highest

Between locations

Oyo Cebu 13,070 km ≈ 17 h nonstop flight

From you

Oyo
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

Oyo vs Cebu: Cost of Living - Frequently Asked Questions

Oyo is cheaper overall, especially in groceries, leisure, and clothing. The 47% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 938% 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: $432 in Oyo versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $626 per month in Oyo versus $918 in Cebu – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Oyo runs roughly 19% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Oyo gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Oyo 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, Oyo 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 Oyo gentler on the wallet – expenses run 47% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.