Last update: Oct 2026

Cost of Living Comparison Between Ponta Delgada and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,689 in Ponta Delgada, rent and utilities included – about $9,100 less a year. Rent and utilities account for about half of the difference.

81

Cost of Living Index in Ponta Delgada
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Ponta Delgada Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Ponta Delgada

🇵🇹 Portugal

$1,689

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,689 in Ponta Delgada versus $934 in Cebu.

Ponta Delgada $1,689
Cebu $934

Estimated couple costs with rent: $2,391 in Ponta Delgada versus $1,415 in Cebu.

Ponta Delgada $2,391
Cebu $1,415

Monthly costs for a family of three with rent: $3,092 in Ponta Delgada versus $1,896 in Cebu.

Ponta Delgada $3,092
Cebu $1,896

Living in Ponta Delgada is roughly 81% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ponta Delgada is 26% above, Cebu is 30% below.

Meal at Budget Restaurant

$13.61 €12.14

$3.03 ₱190

349.17%

Three-Course Dinner for Two, Mid-Range

$45.22 €40.35

$23.48 ₱1,473

92.59%

Fast Food Meal (McDonalds, etc)

$10.85 €9.69

$4.09 ₱256

165.28%

Cappuccino

$1.81 €1.62

$2.52 ₱158

-28.17%

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

$1.80 €1.61

$1.54 ₱96.9

16.88%

Water (0.33 liter bottle)

$1.87 €1.67

$0.49 ₱30.98

281.63%

Local Beer (0.5 liter draught)

$3.17 €2.83

$1.79 ₱112

77.09%

Imported Beer (0.33 liter bottle)

$3.74 €3.34

$2.26 ₱142

65.49%

Milk (1 liter)

$1.00 €0.89

$1.95 ₱122

-48.72%

White Bread (500g)

$1.61 €1.44

$1.43 ₱89.7

12.59%

Rice (white) (1kg)

$1.73 €1.55

$1.02 ₱63.8

69.61%

Eggs

$3.00 €2.67

$2.06 ₱129

45.63%

Local Cheese (1kg)

$16.81 €15.00

$9.81 ₱615

71.36%

Chicken Fillets (1kg)

$11.58 €10.34

$4.61 ₱289

151.19%

Beef Round Steak (1kg)

$16.61 €14.82

$7.70 ₱483

115.71%

Apples (1kg)

$2.45 €2.19

$3.31 ₱207

-25.98%

Banana (1kg)

$1.73 €1.54

$1.45 ₱90.9

19.31%

Oranges (1kg)

$2.19 €1.95

$2.36 ₱148

-7.20%

Tomato (1kg)

$3.09 €2.76

$1.54 ₱96.4

100.65%

Potato (1kg)

$1.55 €1.38

$2.36 ₱148

-34.32%

Onion (1kg)

$1.65 €1.47

$1.99 ₱125

-17.09%

Lettuce (1 head)

$2.87 €2.56

$1.15 ₱72.1

149.57%

Water (1.5 liter bottle)

$1.01 €0.91

$0.67 ₱42.15

50.75%

Cigarettes 20 Pack (Marlboro, Camel)

$5.13 €4.58

$3.00 ₱188

71.00%

Wine (Bottle)

$5.87 €5.24

$6.35 ₱398

-7.56%

Local Beer (0.5 liter bottle)

$2.43 €2.17

$1.31 ₱81.9

85.50%

Imported Beer (0.33 liter bottle)

$3.19 €2.85

$1.73 ₱108

84.39%

One-way Ticket (Public Transport)

$1.72 €1.54

$0.25 ₱15.78

588.00%

Public Transport Monthly Pass (Regular Price)

$56.5 €50.4

$12.65 ₱793

346.80%

Taxi Start (Normal Tariff)

$5.75 €5.13

$0.74 ₱46.32

677.03%

Taxi (Normal Tariff) (1km)

$1.36 €1.21

$0.21 ₱13.11

547.62%

Taxi 1hour Waiting (Normal Tariff)

$5.59 €4.99

$4.33 ₱271

29.10%

Gasoline (1 liter)

$2.09 €1.86

$1.33 ₱83.5

57.14%

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

$33.9K €30.2K

$21.8K ₱1.4M

55.54%

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

$40.6K €36.3K

$19.4K ₱1.2M

109.50%

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

$145 €129

$121 ₱7,563

20.16%

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

$18.87 €16.84

$14.45 ₱907

30.59%

Internet (50+ Mbps, Unlimited Data)

$43.04 €38.41

$28.29 ₱1,774

52.14%

Gym Membership (Monthly)

$32.96 €29.41

$32.68 ₱2,050

0.86%

Tennis Court (1 Hour on Weekend)

$19.89 €17.75

$6.39 ₱401

211.27%

Cinema Ticket

$9.49 €8.47

$5.46 ₱342

73.81%

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

$279 €249

$273 ₱17.1K

2.10%

International Primary School, 1 Child (Yearly)

$6,699 €5,978

$8,156 ₱511.5K

-17.86%

Jeans (Levis 501 Or Similar)

$47.95 €42.79

$49.57 ₱3,109

-3.27%

Summer Dress (H&M, Zara, etc)

$33.41 €29.81

$24.87 ₱1,560

34.34%

Sport Shoes (Adidas, Nike)

$66.4 €59.3

$76.6 ₱4,804

-13.27%

Men's Leather Business Shoes

$134 €119

$59.3 ₱3,717

125.30%

1-bedroom Apartment, City Center (Monthly)

$1,200 €1,071

$506 ₱31.7K

137.35%

1-bedroom Apartment, Outside City Center (Monthly)

$697 €622

$309 ₱19.4K

125.41%

3-bedroom Apartment, City Center (Monthly)

$1,399 €1,248

$1,052 ₱66.0K

33.00%

3-bedroom Apartment, Outside City Center (Monthly)

$963 €859

$619 ₱38.8K

55.54%

Buy Apartment in City Center (m2)

$3,972 €3,544

$2,915 ₱182.9K

36.23%

Buy Apartment Outside City Center (m2)

$2,992 €2,670

$1,867 ₱117.1K

60.22%

Average Monthly Net Salary (After Tax)

$1,401 €1,250

$341 ₱21.4K

310.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.71

7.2

-48.47%

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

Last update for Ponta Delgada: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Ponta Delgada

$697 41.7%

Cebu

$309 33.5% 55.6% $388

Groceries & Markets

Ponta Delgada

$312 18.7%

Cebu

$210 22.7% 32.6% $102

Monthly Utilities & Internet

Ponta Delgada

$207 12.4%

Cebu

$163 17.7% 21% $43

Eating Out

Ponta Delgada

$201 12%

Cebu

$88 9.6% 56.1% $113

Clothing & Footwear

Ponta Delgada

$127 7.6%

Cebu

$95 10.2% 25.2% $32

Getting Around

Ponta Delgada

$76 4.5%

Cebu

$15 1.7% 79.7% $61

Sport & Entertainment

Ponta Delgada

$52 3.1%

Cebu

$44 4.7% 16% $8.3

Cost Breakdown

A one-bedroom apartment in the center runs $1,200 in Ponta Delgada and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Ponta Delgada pays 311% 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 Ponta Delgada vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $312 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇹 Ponta Delgada

🇵🇭 Cebu

🕒 Local time

10:13 10:13 AM

18:13 6:13 PM

8 h ahead of Ponta Delgada

🌤 Weather

👥 Population

67,233

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

Ponta Delgada Cebu 13,810 km ≈ 18 h nonstop flight

From you

Ponta Delgada
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

Ponta Delgada vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 81% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 311% higher in Ponta Delgada, 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: $1,200 in Ponta Delgada versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,689 per month in Ponta Delgada versus $934 in Cebu – a 81% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 347% less than in Ponta Delgada. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,689 in Ponta Delgada, a $1,500 budget is realistic in Cebu but tight or insufficient in Ponta Delgada. 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 Ponta Delgada, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ponta Delgada 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 81% less than in Ponta Delgada. Beyond cost, consider language, visa policies, and how big the international community is in each city.