Last update: Oct 2026

Cost of Living Comparison Between Palma de Mallorca and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,239 in Palma de Mallorca, rent and utilities included – about $15,700 less a year. Rent and utilities account for most of the difference.

109

Cost of Living Index in Palma de Mallorca
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Palma de Mallorca Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Palma de Mallorca

🇪🇸 Spain

$2,239

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,239 in Palma de Mallorca versus $934 in Cebu.

Palma de Mallorca $2,239
Cebu $934

Estimated couple costs with rent: $3,269 in Palma de Mallorca versus $1,415 in Cebu.

Palma de Mallorca $3,269
Cebu $1,415

Monthly costs for a family of three with rent: $4,300 in Palma de Mallorca versus $1,896 in Cebu.

Palma de Mallorca $4,300
Cebu $1,896

Living in Palma de Mallorca is roughly 140% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Palma de Mallorca is 67% above, Cebu is 30% below.

Meal at Budget Restaurant

$18.64 €16.63

$3.03 ₱190

515.18%

Three-Course Dinner for Two, Mid-Range

$66.2 €59.1

$23.48 ₱1,473

182.11%

Fast Food Meal (McDonalds, etc)

$13.35 €11.91

$4.09 ₱256

226.41%

Cappuccino

$3.20 €2.86

$2.52 ₱158

26.98%

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

$2.70 €2.41

$1.54 ₱96.9

75.32%

Water (0.33 liter bottle)

$2.71 €2.42

$0.49 ₱30.98

453.06%

Local Beer (0.5 liter draught)

$4.61 €4.11

$1.79 ₱112

157.54%

Imported Beer (0.33 liter bottle)

$3.87 €3.46

$2.26 ₱142

71.24%

Milk (1 liter)

$1.35 €1.21

$1.95 ₱122

-30.77%

White Bread (500g)

$1.16 €1.03

$1.43 ₱89.7

-18.88%

Rice (white) (1kg)

$1.62 €1.45

$1.02 ₱63.8

58.82%

Eggs

$3.41 €3.04

$2.06 ₱129

65.53%

Local Cheese (1kg)

$14.56 €13.00

$9.81 ₱615

48.42%

Chicken Fillets (1kg)

$8.77 €7.83

$4.61 ₱289

90.24%

Beef Round Steak (1kg)

$15.90 €14.19

$7.70 ₱483

106.49%

Apples (1kg)

$2.57 €2.30

$3.31 ₱207

-22.36%

Banana (1kg)

$1.95 €1.74

$1.45 ₱90.9

34.48%

Oranges (1kg)

$1.76 €1.57

$2.36 ₱148

-25.42%

Tomato (1kg)

$2.87 €2.56

$1.54 ₱96.4

86.36%

Potato (1kg)

$1.94 €1.73

$2.36 ₱148

-17.80%

Onion (1kg)

$2.18 €1.94

$1.99 ₱125

9.55%

Lettuce (1 head)

$1.26 €1.12

$1.15 ₱72.1

9.57%

Water (1.5 liter bottle)

$0.64 €0.58

$0.67 ₱42.15

-4.48%

Cigarettes 20 Pack (Marlboro, Camel)

$6.87 €6.13

$3.00 ₱188

129.00%

Wine (Bottle)

$5.55 €4.95

$6.35 ₱398

-12.60%

Local Beer (0.5 liter bottle)

$1.39 €1.24

$1.31 ₱81.9

6.11%

Imported Beer (0.33 liter bottle)

$1.91 €1.71

$1.73 ₱108

10.40%

One-way Ticket (Public Transport)

$2.26 €2.02

$0.25 ₱15.78

804.00%

Public Transport Monthly Pass (Regular Price)

$40.95 €36.54

$12.65 ₱793

223.72%

Taxi Start (Normal Tariff)

$5.09 €4.54

$0.74 ₱46.32

587.84%

Taxi (Normal Tariff) (1km)

$1.38 €1.23

$0.21 ₱13.11

557.14%

Taxi 1hour Waiting (Normal Tariff)

$24.04 €21.45

$4.33 ₱271

455.20%

Gasoline (1 liter)

$1.81 €1.62

$1.33 ₱83.5

36.09%

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

$35.4K €31.6K

$21.8K ₱1.4M

62.47%

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

$31.4K €28.0K

$19.4K ₱1.2M

61.79%

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

$253 €226

$121 ₱7,563

110.11%

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

$23.84 €21.28

$14.45 ₱907

64.98%

Internet (50+ Mbps, Unlimited Data)

$42.93 €38.31

$28.29 ₱1,774

51.75%

Gym Membership (Monthly)

$62.0 €55.3

$32.68 ₱2,050

89.63%

Tennis Court (1 Hour on Weekend)

$27.84 €24.85

$6.39 ₱401

335.68%

Cinema Ticket

$9.77 €8.72

$5.46 ₱342

78.94%

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

$610 €544

$273 ₱17.1K

122.95%

International Primary School, 1 Child (Yearly)

$10.4K €9,246

$8,156 ₱511.5K

27.04%

Jeans (Levis 501 Or Similar)

$71.1 €63.5

$49.57 ₱3,109

43.51%

Summer Dress (H&M, Zara, etc)

$55.3 €49.34

$24.87 ₱1,560

122.32%

Sport Shoes (Adidas, Nike)

$99.7 €89.0

$76.6 ₱4,804

30.17%

Men's Leather Business Shoes

$129 €115

$59.3 ₱3,717

116.91%

1-bedroom Apartment, City Center (Monthly)

$1,497 €1,336

$506 ₱31.7K

196.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,055 €941

$309 ₱19.4K

240.97%

3-bedroom Apartment, City Center (Monthly)

$2,356 €2,103

$1,052 ₱66.0K

124.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,841 €1,643

$619 ₱38.8K

197.45%

Buy Apartment in City Center (m2)

$6,887 €6,146

$2,915 ₱182.9K

136.21%

Buy Apartment Outside City Center (m2)

$3,721 €3,321

$1,867 ₱117.1K

99.28%

Average Monthly Net Salary (After Tax)

$2,018 €1,801

$341 ₱21.4K

491.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.07

7.2

-57.36%

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

Last update for Palma de Mallorca: October 4, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Palma de Mallorca

$1.1K 47.3%

Cebu

$309 33.5% 70.7% $746

Monthly Utilities & Internet

Palma de Mallorca

$320 14.4%

Cebu

$163 17.7% 49% $157

Eating Out

Palma de Mallorca

$280 12.6%

Cebu

$88 9.6% 68.4% $192

Groceries & Markets

Palma de Mallorca

$271 12.2%

Cebu

$210 22.7% 22.4% $61

Clothing & Footwear

Palma de Mallorca

$160 7.2%

Cebu

$95 10.2% 40.7% $65

Sport & Entertainment

Palma de Mallorca

$82 3.7%

Cebu

$44 4.7% 46.5% $38

Getting Around

Palma de Mallorca

$62 2.8%

Cebu

$15 1.7% 75.1% $47

Cost Breakdown

A one-bedroom apartment in the center runs $1,497 in Palma de Mallorca and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Palma de Mallorca pays 492% 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: $66.0 in Palma de Mallorca vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $271 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇪🇸 Palma de Mallorca

🇵🇭 Cebu

🕒 Local time

13:21 1:21 PM

19:21 7:21 PM

6 h ahead of Palma de Mallorca

🌤 Weather

👥 Population

423,350

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Palma de Mallorca Cebu 11,810 km ≈ 15 h nonstop flight

From you

Palma de Mallorca
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

Palma de Mallorca vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 140% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 492% higher in Palma de Mallorca, 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: $1,497 in Palma de Mallorca versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,239 per month in Palma de Mallorca versus $934 in Cebu – a 140% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 224% less than in Palma de Mallorca. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,239 in Palma de Mallorca, a $1,500 budget is realistic in Cebu but tight or insufficient in Palma de Mallorca. 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 Palma de Mallorca, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Palma de Mallorca 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 140% less than in Palma de Mallorca. Beyond cost, consider language, visa policies, and how big the international community is in each city.