Cost of Living Comparison Between Ozamiz and Cebu Cost of Living Comparison Between Ozamiz and Cebu

Monthly Cost of Living

Monthly costs for one person with rent: $759 in Ozamiz versus $854 in Cebu.

Estimated couple costs with rent: $1,177 in Ozamiz versus $1,318 in Cebu.

Monthly costs for a family of three with rent: $1,595 in Ozamiz versus $1,782 in Cebu.

Living in Ozamiz costs roughly 11% less than in Cebu, driven mainly by Groceries & Markets.

Both cities sit below the global median: Ozamiz 43% lower, Cebu 36% lower.

Meal at Budget Restaurant

$3.53 ₱218

$4.40 ₱271

-19.77%

Three-Course Dinner for Two, Mid-Range

$17.70 ₱1,092

$23.98 ₱1,479

-26.19%

Fast Food Meal (McDonalds, etc)

$3.24 ₱200

$4.54 ₱280

-28.63%

Cappuccino

$2.35 ₱145

$2.53 ₱156

-7.11%

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

$0.83 ₱51.3

$0.85 ₱52.6

-2.35%

Water (0.33 liter bottle)

$0.36 ₱22.34

$0.45 ₱27.85

-20.00%

Local Beer (0.5 liter draught)

$1.36 ₱83.8

$1.52 ₱93.6

-10.53%

Imported Beer (0.33 liter bottle)

$2.16 ₱133

$2.19 ₱135

-1.37%

Milk (1 liter)

$1.73 ₱107

$2.30 ₱142

-24.78%

White Bread (500g)

$0.86 ₱53.3

$1.57 ₱96.8

-45.22%

Rice (white) (1kg)

$0.85 ₱52.3

$1.15 ₱71.2

-26.09%

Eggs

$1.63 ₱101

$2.36 ₱146

-30.93%

Local Cheese (1kg)

$8.20 ₱506

$13.03 ₱804

-37.07%

Chicken Fillets (1kg)

$4.32 ₱266

$5.10 ₱314

-15.29%

Beef Round Steak (1kg)

$7.76 ₱479

$7.95 ₱490

-2.39%

Apples (1kg)

$2.86 ₱176

$3.49 ₱215

-18.05%

Banana (1kg)

$1.52 ₱93.5

$1.51 ₱92.9

0.66%

Oranges (1kg)

$2.71 ₱167

$3.29 ₱203

-17.63%

Tomato (1kg)

$1.59 ₱98.2

$2.19 ₱135

-27.40%

Potato (1kg)

$2.29 ₱141

$2.61 ₱161

-12.26%

Onion (1kg)

$2.59 ₱159

$2.45 ₱151

5.71%

Lettuce (1 head)

$1.11 ₱68.6

$0.92 ₱56.9

20.65%

Water (1.5 liter bottle)

$0.72 ₱44.71

$0.83 ₱51.4

-13.25%

Cigarettes 20 Pack (Marlboro, Camel)

$2.82 ₱174

$3.27 ₱202

-13.76%

Wine (Bottle)

$7.71 ₱476

$6.74 ₱416

14.39%

Local Beer (0.5 liter bottle)

$1.17 ₱72.0

$1.21 ₱74.7

-3.31%

Imported Beer (0.33 liter bottle)

$1.97 ₱121

$2.27 ₱140

-13.22%

One-way Ticket (Public Transport)

$0.28 ₱17.42

$0.28 ₱17.37

Public Transport Monthly Pass (Regular Price)

$15.14 ₱934

Taxi Start (Normal Tariff)

$0.82 ₱50.7

$0.87 ₱53.6

-5.75%

Taxi (Normal Tariff) (1km)

$0.24 ₱14.82

$0.25 ₱15.50

-4.00%

Taxi 1hour Waiting (Normal Tariff)

$2.17 ₱134

$2.61 ₱161

-16.86%

Gasoline (1 liter)

$1.10 ₱67.9

$1.14 ₱70.3

-3.51%

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

$26.3K ₱1.6M

$29.6K ₱1.8M

-11.24%

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

$20.6K ₱1.3M

$27.0K ₱1.7M

-23.79%

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

$114 ₱7,006

$95.2 ₱5,870

19.34%

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

$32.63 ₱2,013

$33.67 ₱2,077

-3.09%

Internet (50+ Mbps, Unlimited Data)

$27.60 ₱1,702

$29.79 ₱1,837

-7.35%

Gym Membership (Monthly)

$34.50 ₱2,128

$32.90 ₱2,029

4.86%

Tennis Court (1 Hour on Weekend)

$4.50 ₱278

$8.16 ₱503

-44.85%

Cinema Ticket

$5.82 ₱359

$5.79 ₱357

0.52%

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

$151 ₱9,295

$232 ₱14.3K

-35.08%

International Primary School, 1 Child (Yearly)

$4,383 ₱270.3K

$3,860 ₱238.1K

13.55%

Jeans (Levis 501 Or Similar)

$46.07 ₱2,842

$52.1 ₱3,214

-11.57%

Summer Dress (H&M, Zara, etc)

$26.94 ₱1,661

$22.82 ₱1,407

18.05%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,727

$76.8 ₱4,736

-0.20%

Men's Leather Business Shoes

$53.9 ₱3,322

$54.3 ₱3,351

-0.87%

1-bedroom Apartment, City Center (Monthly)

$266 ₱16.4K

$497 ₱30.6K

-46.51%

1-bedroom Apartment, Outside City Center (Monthly)

$174 ₱10.7K

$214 ₱13.2K

-18.50%

3-bedroom Apartment, City Center (Monthly)

$590 ₱36.4K

$797 ₱49.2K

-26.04%

3-bedroom Apartment, Outside City Center (Monthly)

$392 ₱24.2K

$385 ₱23.8K

1.79%

Buy Apartment in City Center (m2)

$2,533 ₱156.2K

$2,968 ₱183.1K

-14.67%

Buy Apartment Outside City Center (m2)

$1,963 ₱121.1K

Average Monthly Net Salary (After Tax)

$197 ₱12.2K

$383 ₱23.6K

-48.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

-16.63%

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

Last update for Ozamiz: April 26, 2026

Last update for Cebu: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $266 in Ozamiz and $497 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 94% 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: $18.00 in Ozamiz vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $198 vs $242 per month, with Ozamiz cheaper across the board.

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

Ozamiz vs Cebu: Cost of Living - Frequently Asked Questions

Ozamiz is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 13% gap adds up to real monthly savings that compound significantly over time.

On paper, Cebu earns 94% less. 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: $266 in Ozamiz versus $497 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $759 per month in Ozamiz versus $854 in Cebu – a 13% gap that adds up to real savings over time for anyone picking the cheaper option.

At $759 in Ozamiz versus $854 in Cebu, a $1,500 budget is realistic in Ozamiz but tight or insufficient in Cebu. The gap between the two cities makes Ozamiz the clear choice for anyone on this budget.

For families, Ozamiz 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, Ozamiz 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 Ozamiz gentler on the wallet – expenses run 13% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.