Last update: Oct 2026

Cost of Living Comparison Between Penshurst, NSW and Cebu

For one person, living is cheaper in Cebu: $915 a month against $2,478 in Penshurst, NSW, rent and utilities included – about $18,800 less a year. Rent and utilities account for most of the difference.

120

Cost of Living Index in Penshurst, NSW
Learn more

Penshurst, NSW Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Penshurst, NSW

🇦🇺 Australia

$2,478

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,478 in Penshurst, NSW versus $915 in Cebu.

Penshurst, NSW $2,478
Cebu $915

Estimated couple costs with rent: $3,587 in Penshurst, NSW versus $1,418 in Cebu.

Penshurst, NSW $3,587
Cebu $1,418

Monthly costs for a family of three with rent: $4,696 in Penshurst, NSW versus $1,921 in Cebu.

Penshurst, NSW $4,696
Cebu $1,921

Living in Penshurst, NSW is roughly 171% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Penshurst, NSW is 83% above, Cebu is 33% below.

Meal at Budget Restaurant

$17.72 A$25.50

$3.05 ₱192

480.98%

Three-Course Dinner for Two, Mid-Range

$84.1 A$121

$24.00 ₱1,511

250.46%

Fast Food Meal (McDonalds, etc)

$10.31 A$14.84

$3.99 ₱251

158.40%

Cappuccino

$4.08 A$5.87

$2.50 ₱157

63.20%

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

$2.89 A$4.16

$1.54 ₱97.1

87.66%

Water (0.33 liter bottle)

$2.24 A$3.22

$0.50 ₱31.37

348.00%

Local Beer (0.5 liter draught)

$7.80 A$11.23

$1.78 ₱112

338.20%

Imported Beer (0.33 liter bottle)

$7.43 A$10.70

$2.17 ₱136

242.40%

Milk (1 liter)

$1.56 A$2.25

$2.00 ₱126

-22.00%

White Bread (500g)

$2.63 A$3.79

$1.37 ₱86.2

91.97%

Rice (white) (1kg)

$2.22 A$3.19

$1.03 ₱64.9

115.53%

Eggs

$4.96 A$7.14

$2.03 ₱128

144.33%

Local Cheese (1kg)

$9.02 A$12.99

$10.20 ₱642

-11.57%

Chicken Fillets (1kg)

$9.17 A$13.20

$4.45 ₱280

106.07%

Beef Round Steak (1kg)

$14.85 A$21.37

$7.67 ₱483

93.61%

Apples (1kg)

$3.85 A$5.53

$3.31 ₱208

16.31%

Banana (1kg)

$2.98 A$4.29

$1.46 ₱91.8

104.11%

Oranges (1kg)

$3.27 A$4.71

$2.32 ₱146

40.95%

Tomato (1kg)

$4.53 A$6.52

$1.49 ₱94.0

204.03%

Potato (1kg)

$2.73 A$3.93

$2.34 ₱147

16.67%

Onion (1kg)

$2.40 A$3.46

$1.94 ₱122

23.71%

Lettuce (1 head)

$2.36 A$3.39

$1.16 ₱73.0

103.45%

Water (1.5 liter bottle)

$1.55 A$2.22

$0.68 ₱42.89

127.94%

Cigarettes 20 Pack (Marlboro, Camel)

$41.48 A$59.7

$2.99 ₱188

1287.29%

Wine (Bottle)

$14.09 A$20.28

$6.24 ₱393

125.80%

Local Beer (0.5 liter bottle)

$4.78 A$6.87

$1.23 ₱77.3

288.62%

Imported Beer (0.33 liter bottle)

$5.13 A$7.38

$1.73 ₱109

196.53%

One-way Ticket (Public Transport)

$2.82 A$4.06

$0.23 ₱14.36

1126.09%

Public Transport Monthly Pass (Regular Price)

$81.9 A$118

$12.34 ₱777

563.94%

Taxi Start (Normal Tariff)

$3.42 A$4.92

$0.79 ₱49.96

332.91%

Taxi (Normal Tariff) (1km)

$1.58 A$2.27

$0.22 ₱13.86

618.18%

Taxi 1hour Waiting (Normal Tariff)

$39.61 A$57.0

$4.54 ₱286

772.47%

Gasoline (1 liter)

$1.35 A$1.95

$1.32 ₱82.9

2.27%

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

$27.1K A$39.0K

$21.0K ₱1.3M

28.86%

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

$29.2K A$42.1K

$19.4K ₱1.2M

50.64%

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

$204 A$293

$119 ₱7,464

71.75%

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

$27.94 A$40.20

$14.22 ₱896

96.48%

Internet (50+ Mbps, Unlimited Data)

$56.4 A$81.2

$27.47 ₱1,730

105.42%

Gym Membership (Monthly)

$55.3 A$79.6

$32.31 ₱2,034

71.09%

Tennis Court (1 Hour on Weekend)

$17.31 A$24.91

$6.50 ₱409

166.31%

Cinema Ticket

$14.86 A$21.39

$5.40 ₱340

175.19%

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

$2,170 A$3,123

$276 ₱17.4K

686.32%

International Primary School, 1 Child (Yearly)

$20.0K A$28.8K

$7,866 ₱495.3K

154.00%

Jeans (Levis 501 Or Similar)

$77.5 A$112

$49.37 ₱3,108

57.04%

Summer Dress (H&M, Zara, etc)

$53.1 A$76.4

$24.58 ₱1,548

116.07%

Sport Shoes (Adidas, Nike)

$106 A$153

$76.6 ₱4,825

38.47%

Men's Leather Business Shoes

$120 A$173

$58.9 ₱3,706

104.55%

1-bedroom Apartment, City Center (Monthly)

$1,365 A$1,964

$503 ₱31.7K

171.13%

1-bedroom Apartment, Outside City Center (Monthly)

$1,179 A$1,697

$305 ₱19.2K

287.33%

3-bedroom Apartment, City Center (Monthly)

$2,117 A$3,047

$1,075 ₱67.7K

96.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,782 A$2,565

$632 ₱39.8K

181.99%

Buy Apartment in City Center (m2)

$5,918 A$8,517

$2,870 ₱180.7K

106.25%

Buy Apartment Outside City Center (m2)

$4,848 A$6,977

$1,877 ₱118.2K

158.26%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

7.2

-18.89%

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

Last update for Penshurst, NSW: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Penshurst, NSW

$1.2K 47.6%

Cebu

$305 33.3% 74.2% $875

Groceries & Markets

Penshurst, NSW

$364 14.7%

Cebu

$210 22.9% 42.5% $155

Eating Out

Penshurst, NSW

$296 12%

Cebu

$88 9.6% 70.4% $208

Monthly Utilities & Internet

Penshurst, NSW

$288 11.6%

Cebu

$160 17.5% 44.4% $128

Clothing & Footwear

Penshurst, NSW

$161 6.5%

Cebu

$94 10.3% 41.4% $66

Getting Around

Penshurst, NSW

$105 4.2%

Cebu

$15 1.7% 85.5% $89

Sport & Entertainment

Penshurst, NSW

$85 3.4%

Cebu

$43 4.7% 49.3% $42

Cost Breakdown

A one-bedroom apartment in the center runs $1,365 in Penshurst, NSW and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $84.0 in Penshurst, NSW vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $364 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇦🇺 Penshurst, NSW

🇵🇭 Cebu

🕒 Local time

03:58 3:58 AM

00:58 12:58 AM

3 h behind Penshurst, NSW

🌤 Weather

👥 Population

12,673

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 20, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 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 AUD in detail →

On the map

Lowest

Highest

Between locations

Penshurst, NSW Cebu 5,700 km ≈ 8 h nonstop flight

From you

Penshurst, NSW
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

Penshurst, NSW vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 171% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,717 in Penshurst, NSW and $1,372 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,365 in Penshurst, NSW versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,478 per month in Penshurst, NSW versus $915 in Cebu – a 171% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 564% less than in Penshurst, NSW. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $2,478 in Penshurst, NSW, a $1,500 budget is realistic in Cebu but tight or insufficient in Penshurst, NSW. 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 Penshurst, NSW, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Penshurst, NSW 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 171% less than in Penshurst, NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.