Last update: Oct 2026

Cost of Living Comparison Between Penafiel and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,522 in Penafiel, rent and utilities included – about $7,200 less a year. Rent and utilities account for most of the difference.

73

Cost of Living Index in Penafiel
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Penafiel Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Penafiel

🇵🇹 Portugal

$1,522

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,522 in Penafiel versus $918 in Cebu.

Penafiel $1,522
Cebu $918

Estimated couple costs with rent: $2,213 in Penafiel versus $1,409 in Cebu.

Penafiel $2,213
Cebu $1,409

Monthly costs for a family of three with rent: $2,904 in Penafiel versus $1,900 in Cebu.

Penafiel $2,904
Cebu $1,900

Living in Penafiel is roughly 66% more expensive than in Cebu, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: Penafiel is 13% above, Cebu is 32% below.

Meal at Budget Restaurant

$9.85 €8.76

$3.09 ₱194

218.77%

Three-Course Dinner for Two, Mid-Range

$45.27 €40.26

$24.22 ₱1,525

86.91%

Fast Food Meal (McDonalds, etc)

$9.14 €8.13

$3.92 ₱247

133.16%

Cappuccino

$1.41 €1.25

$2.51 ₱158

-43.82%

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

$1.53 €1.36

$1.59 ₱100

-3.77%

Water (0.33 liter bottle)

$0.70 €0.62

$0.53 ₱33.43

32.08%

Local Beer (0.5 liter draught)

$2.32 €2.06

$1.78 ₱112

30.34%

Imported Beer (0.33 liter bottle)

$2.86 €2.55

$2.17 ₱137

31.80%

Milk (1 liter)

$0.98 €0.87

$1.92 ₱121

-48.96%

White Bread (500g)

$1.14 €1.02

$1.36 ₱85.4

-16.18%

Rice (white) (1kg)

$1.45 €1.29

$1.01 ₱63.5

43.56%

Eggs

$2.92 €2.60

$2.03 ₱128

43.84%

Local Cheese (1kg)

$10.75 €9.56

$9.86 ₱621

9.03%

Chicken Fillets (1kg)

$6.92 €6.15

$4.39 ₱277

57.63%

Beef Round Steak (1kg)

$14.30 €12.72

$7.60 ₱479

88.16%

Apples (1kg)

$1.95 €1.74

$3.30 ₱208

-40.91%

Banana (1kg)

$1.43 €1.27

$1.39 ₱87.8

2.88%

Oranges (1kg)

$2.04 €1.82

$2.33 ₱147

-12.45%

Tomato (1kg)

$2.11 €1.87

$1.50 ₱94.3

40.67%

Potato (1kg)

$0.86 €0.76

$2.36 ₱149

-63.56%

Onion (1kg)

$1.43 €1.27

$1.90 ₱119

-24.74%

Lettuce (1 head)

$1.10 €0.98

$1.19 ₱74.9

-7.56%

Water (1.5 liter bottle)

$0.71 €0.63

$0.63 ₱39.71

12.70%

Cigarettes 20 Pack (Marlboro, Camel)

$5.89 €5.24

$3.00 ₱189

96.33%

Wine (Bottle)

$4.08 €3.63

$6.03 ₱379

-32.34%

Local Beer (0.5 liter bottle)

$1.33 €1.18

$1.23 ₱77.7

8.13%

Imported Beer (0.33 liter bottle)

$3.18 €2.83

$1.75 ₱110

81.71%

One-way Ticket (Public Transport)

$5.17 €4.60

$0.25 ₱15.86

1968.00%

Public Transport Monthly Pass (Regular Price)

$44.95 €39.99

$12.64 ₱796

255.62%

Taxi Start (Normal Tariff)

$4.50 €4.00

$0.77 ₱48.62

484.42%

Taxi (Normal Tariff) (1km)

$1.49 €1.32

$0.23 ₱14.53

547.83%

Taxi 1hour Waiting (Normal Tariff)

$20.75 €18.46

$4.46 ₱281

365.25%

Gasoline (1 liter)

$2.14 €1.90

$1.31 ₱82.8

63.36%

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

$33.2K €29.6K

$21.2K ₱1.3M

56.47%

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

$38.2K €34.0K

$19.1K ₱1.2M

99.66%

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

$103 €91.4

$120 ₱7,569

-14.51%

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

$17.40 €15.48

$14.00 ₱882

24.29%

Internet (50+ Mbps, Unlimited Data)

$28.24 €25.12

$27.54 ₱1,734

2.54%

Gym Membership (Monthly)

$27.77 €24.70

$32.33 ₱2,035

-14.10%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$4.56 €4.06

$5.65 ₱356

-19.29%

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

$449 €399

$275 ₱17.3K

62.91%

International Primary School, 1 Child (Yearly)

$6,423 €5,713

$7,918 ₱498.5K

-18.89%

Jeans (Levis 501 Or Similar)

$113 €100

$49.33 ₱3,106

128.26%

Summer Dress (H&M, Zara, etc)

$36.06 €32.08

$25.24 ₱1,589

42.87%

Sport Shoes (Adidas, Nike)

$73.7 €65.5

$77.0 ₱4,846

-4.27%

Men's Leather Business Shoes

$103 €91.3

$57.2 ₱3,601

79.37%

1-bedroom Apartment, City Center (Monthly)

$833 €741

$500 ₱31.5K

66.83%

1-bedroom Apartment, Outside City Center (Monthly)

$739 €657

$309 ₱19.4K

139.23%

3-bedroom Apartment, City Center (Monthly)

$1,299 €1,156

$1,078 ₱67.9K

20.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,114 €991

$615 ₱38.7K

81.02%

Buy Apartment in City Center (m2)

$2,265 €2,015

$2,886 ₱181.7K

-21.53%

Buy Apartment Outside City Center (m2)

$2,106 €1,873

$1,917 ₱120.7K

9.90%

Average Monthly Net Salary (After Tax)

$1,229 €1,093

$346 ₱21.8K

255.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.7

7.2

-48.61%

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

Last update for Penafiel: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Penafiel

$739 48.5%

Cebu

$309 33.6% 58.2% $430

Groceries & Markets

Penafiel

$225 14.8%

Cebu

$206 22.4% 8.5% $19

Eating Out

Penafiel

$149 9.8%

Cebu

$88 9.6% 40.9% $61

Monthly Utilities & Internet

Penafiel

$148 9.8%

Cebu

$162 17.6% 9% $13

Clothing & Footwear

Penafiel

$146 9.6%

Cebu

$94 10.2% 35.8% $52

Getting Around

Penafiel

$78 5.1%

Cebu

$16 1.7% 79.9% $62

Sport & Entertainment

Penafiel

$37 2.4%

Cebu

$44 4.8% 18.2% $6.7

Cost Breakdown

A one-bedroom apartment in the center runs $833 in Penafiel and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Penafiel pays 255% 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: $45.00 in Penafiel vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $225 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇹 Penafiel

🇵🇭 Cebu

🕒 Local time

02:58 2:58 AM

09:58 9:58 AM

7 h ahead of Penafiel

🌤 Weather

👥 Population

69,630

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Penafiel Cebu 12,490 km ≈ 16 h nonstop flight

From you

Penafiel
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

Penafiel vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 66% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 255% higher in Penafiel, 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: $833 in Penafiel versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,522 per month in Penafiel versus $918 in Cebu – a 66% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 256% less than in Penafiel. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,522 in Penafiel, a $1,500 budget is realistic in Cebu but tight or insufficient in Penafiel. 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 Penafiel, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Penafiel 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 66% less than in Penafiel. Beyond cost, consider language, visa policies, and how big the international community is in each city.