Last update: Oct 2026

Cost of Living Comparison Between Pacov and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,783 in Pacov, rent and utilities included – about $10,400 less a year. Rent and utilities account for about half of the difference.

86

Cost of Living Index in Pacov
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Pacov Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Pacov

🇨🇿 Czech Republic

$1,783

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,783 in Pacov versus $915 in Cebu.

Pacov $1,783
Cebu $915

Estimated couple costs with rent: $2,596 in Pacov versus $1,418 in Cebu.

Pacov $2,596
Cebu $1,418

Monthly costs for a family of three with rent: $3,410 in Pacov versus $1,921 in Cebu.

Pacov $3,410
Cebu $1,921

Living in Pacov is roughly 95% more expensive than in Cebu, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Pacov is 32% above, Cebu is 33% below.

Meal at Budget Restaurant

$8.98 Kč 194

$3.05 ₱192

194.43%

Three-Course Dinner for Two, Mid-Range

$45.60 Kč 986

$24.00 ₱1,511

90.00%

Fast Food Meal (McDonalds, etc)

$12.70 Kč 275

$3.99 ₱251

218.30%

Cappuccino

$2.83 Kč 61.3

$2.50 ₱157

13.20%

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

$2.67 Kč 57.7

$1.54 ₱97.1

73.38%

Water (0.33 liter bottle)

$1.40 Kč 30.28

$0.50 ₱31.37

180.00%

Local Beer (0.5 liter draught)

$1.38 Kč 29.85

$1.78 ₱112

-22.47%

Imported Beer (0.33 liter bottle)

$5.22 Kč 113

$2.17 ₱136

140.55%

Milk (1 liter)

$1.63 Kč 35.28

$2.00 ₱126

-18.50%

White Bread (500g)

$1.39 Kč 30.15

$1.37 ₱86.2

1.46%

Rice (white) (1kg)

$3.16 Kč 68.4

$1.03 ₱64.9

206.80%

Eggs

$5.40 Kč 117

$2.03 ₱128

166.01%

Local Cheese (1kg)

$12.15 Kč 263

$10.20 ₱642

19.12%

Chicken Fillets (1kg)

$9.15 Kč 198

$4.45 ₱280

105.62%

Beef Round Steak (1kg)

$20.94 Kč 453

$7.67 ₱483

173.01%

Apples (1kg)

$1.33 Kč 28.77

$3.31 ₱208

-59.82%

Banana (1kg)

$2.67 Kč 57.8

$1.46 ₱91.8

82.88%

Oranges (1kg)

$3.82 Kč 82.6

$2.32 ₱146

64.66%

Tomato (1kg)

$3.48 Kč 75.3

$1.49 ₱94.0

133.56%

Potato (1kg)

$1.01 Kč 21.91

$2.34 ₱147

-56.84%

Onion (1kg)

$2.02 Kč 43.78

$1.94 ₱122

4.12%

Lettuce (1 head)

$1.25 Kč 26.95

$1.16 ₱73.0

7.76%

Water (1.5 liter bottle)

$0.71 Kč 15.28

$0.68 ₱42.89

4.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.75 Kč 81.0

$2.99 ₱188

25.42%

Wine (Bottle)

$7.02 Kč 152

$6.24 ₱393

12.50%

Local Beer (0.5 liter bottle)

$0.78 Kč 16.85

$1.23 ₱77.3

-36.59%

Imported Beer (0.33 liter bottle)

$1.69 Kč 36.64

$1.73 ₱109

-2.31%

One-way Ticket (Public Transport)

$1.12 Kč 24.18

$0.23 ₱14.36

386.96%

Public Transport Monthly Pass (Regular Price)

$24.70 Kč 534

$12.34 ₱777

100.16%

Taxi Start (Normal Tariff)

$2.34 Kč 50.5

$0.79 ₱49.96

196.20%

Taxi (Normal Tariff) (1km)

$0.95 Kč 20.45

$0.22 ₱13.86

331.82%

Taxi 1hour Waiting (Normal Tariff)

$27.61 Kč 597

$4.54 ₱286

508.15%

Gasoline (1 liter)

$1.80 Kč 38.91

$1.32 ₱82.9

36.36%

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

$31.4K Kč 678.2K

$21.0K ₱1.3M

49.30%

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

$29.5K Kč 638.5K

$19.4K ₱1.2M

52.18%

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

$275 Kč 5,956

$119 ₱7,464

132.33%

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

$22.08 Kč 478

$14.22 ₱896

55.27%

Internet (50+ Mbps, Unlimited Data)

$19.18 Kč 415

$27.47 ₱1,730

-30.18%

Gym Membership (Monthly)

$97.3 Kč 2,104

$32.31 ₱2,034

201.11%

Tennis Court (1 Hour on Weekend)

$16.90 Kč 366

$6.50 ₱409

160.00%

Cinema Ticket

$13.25 Kč 287

$5.40 ₱340

145.37%

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

$478 Kč 10.3K

$276 ₱17.4K

73.11%

International Primary School, 1 Child (Yearly)

$10.1K Kč 218.9K

$7,866 ₱495.3K

28.66%

Jeans (Levis 501 Or Similar)

$113 Kč 2,449

$49.37 ₱3,108

129.39%

Summer Dress (H&M, Zara, etc)

$74.7 Kč 1,616

$24.58 ₱1,548

203.99%

Sport Shoes (Adidas, Nike)

$172 Kč 3,724

$76.6 ₱4,825

124.70%

Men's Leather Business Shoes

$121 Kč 2,609

$58.9 ₱3,706

104.98%

1-bedroom Apartment, City Center (Monthly)

$721 Kč 15.6K

$503 ₱31.7K

43.16%

1-bedroom Apartment, Outside City Center (Monthly)

$605 Kč 13.1K

$305 ₱19.2K

98.78%

3-bedroom Apartment, City Center (Monthly)

$1,183 Kč 25.6K

$1,075 ₱67.7K

10.03%

3-bedroom Apartment, Outside City Center (Monthly)

$935 Kč 20.2K

$632 ₱39.8K

47.93%

Buy Apartment in City Center (m2)

$4,580 Kč 99.1K

$2,870 ₱180.7K

59.62%

Buy Apartment Outside City Center (m2)

$4,506 Kč 97.4K

$1,877 ₱118.2K

140.01%

Average Monthly Net Salary (After Tax)

$1,096 Kč 23.7K

$336 ₱21.1K

226.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.85

7.2

9.03%

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

Last update for Pacov: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Pacov

$605 34%

Cebu

$305 33.3% 49.7% $301

Monthly Utilities & Internet

Pacov

$317 17.8%

Cebu

$160 17.5% 49.4% $156

Groceries & Markets

Pacov

$307 17.2%

Cebu

$210 22.9% 31.7% $97

Clothing & Footwear

Pacov

$216 12.1%

Cebu

$94 10.3% 56.4% $122

Eating Out

Pacov

$178 10%

Cebu

$88 9.6% 50.6% $90

Sport & Entertainment

Pacov

$124 6.9%

Cebu

$43 4.7% 65.2% $81

Getting Around

Pacov

$36 2%

Cebu

$15 1.7% 58.2% $21

Cost Breakdown

A one-bedroom apartment in the center runs $721 in Pacov and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Pacov pays 226% 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: $46.00 in Pacov vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $307 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇨🇿 Pacov

🇵🇭 Cebu

🕒 Local time

18:50 6:50 PM

00:50 12:50 AM

6 h ahead of Pacov

🌤 Weather

👥 Population

4,700

964,169

💱 Currency

Czech Koruna CZK Kč

Philippine Peso PHP ₱

📈 Exchange rate

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to CZK – Czech Koruna Converter

🇺🇸 United States Dollar ($)

🇨🇿 Czech Koruna (Kč)

Czech Koruna exchange rates as of October 20, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to CZK in detail →

On the map

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Highest

Between locations

Pacov Cebu 10,460 km ≈ 14 h nonstop flight

From you

Pacov
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

Pacov vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 95% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 226% higher in Pacov, 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: $721 in Pacov versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,783 per month in Pacov versus $915 in Cebu – a 95% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 100% less than in Pacov. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,783 in Pacov, a $1,500 budget is realistic in Cebu but tight or insufficient in Pacov. 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 Pacov, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Pacov 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 95% less than in Pacov. Beyond cost, consider language, visa policies, and how big the international community is in each city.