Last update: Oct 2026

Cost of Living Comparison Between Rayagada and Cebu

For one person, living is cheaper in Rayagada: $329 a month against $934 in Cebu, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

16

Cost of Living Index in Rayagada
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Rayagada Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Rayagada

🇮🇳 India

$329

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $329 in Rayagada versus $934 in Cebu.

Rayagada $329
Cebu $934

Estimated couple costs with rent: $529 in Rayagada versus $1,423 in Cebu.

Rayagada $529
Cebu $1,423

Monthly costs for a family of three with rent: $730 in Rayagada versus $1,913 in Cebu.

Rayagada $730
Cebu $1,913

Living in Rayagada costs roughly 65% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Rayagada 76% lower, Cebu 31% lower.

Meal at Budget Restaurant

$1.63 ₹155

$3.79 ₱243

-56.99%

Three-Course Dinner for Two, Mid-Range

$8.42 ₹802

$23.33 ₱1,493

-63.91%

Fast Food Meal (McDonalds, etc)

$3.13 ₹298

$3.94 ₱252

-20.56%

Cappuccino

$1.07 ₹102

$2.54 ₱163

-57.87%

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

$0.33 ₹31.87

$1.57 ₱100

-78.98%

Water (0.33 liter bottle)

$0.11 ₹10.70

$0.47 ₱29.87

-76.60%

Local Beer (0.5 liter draught)

$2.06 ₹196

$1.77 ₱113

16.38%

Imported Beer (0.33 liter bottle)

$3.16 ₹301

$2.22 ₱142

42.34%

Milk (1 liter)

$0.46 ₹44.22

$1.90 ₱121

-75.79%

White Bread (500g)

$0.51 ₹48.62

$1.36 ₱87.3

-62.50%

Rice (white) (1kg)

$0.59 ₹56.4

$0.94 ₱59.9

-37.23%

Eggs

$0.86 ₹81.4

$1.99 ₱127

-56.78%

Local Cheese (1kg)

$2.98 ₹284

$9.70 ₱621

-69.28%

Chicken Fillets (1kg)

$2.69 ₹256

$4.32 ₱277

-37.73%

Beef Round Steak (1kg)

$7.51 ₱481

Apples (1kg)

$1.62 ₹155

$3.31 ₱212

-51.06%

Banana (1kg)

$0.62 ₹58.8

$1.37 ₱87.6

-54.74%

Oranges (1kg)

$0.78 ₹74.0

$2.34 ₱150

-66.67%

Tomato (1kg)

$0.40 ₹38.14

$1.49 ₱95.5

-73.15%

Potato (1kg)

$0.36 ₹34.02

$2.30 ₱147

-84.35%

Onion (1kg)

$0.39 ₹37.45

$1.87 ₱120

-79.14%

Lettuce (1 head)

$0.55 ₹52.8

$1.10 ₱70.5

-50.00%

Water (1.5 liter bottle)

$0.30 ₹28.55

$0.63 ₱40.42

-52.38%

Cigarettes 20 Pack (Marlboro, Camel)

$3.59 ₹342

$2.86 ₱183

25.52%

Wine (Bottle)

$8.86 ₹843

$6.08 ₱389

45.72%

Local Beer (0.5 liter bottle)

$1.71 ₹163

$1.27 ₱81.6

34.65%

Imported Beer (0.33 liter bottle)

$3.07 ₹292

$1.72 ₱110

78.49%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.34 ₹413

One-way Ticket (Public Transport)

$0.21 ₹20.00

$0.22 ₱14.01

-4.55%

Public Transport Monthly Pass (Regular Price)

$6.13 ₹584

$12.34 ₱790

-50.32%

Taxi Start (Normal Tariff)

$0.55 ₹52.8

$0.74 ₱47.61

-25.68%

Taxi (Normal Tariff) (1km)

$0.15 ₹14.41

$0.22 ₱14.11

-31.82%

Taxi 1hour Waiting (Normal Tariff)

$2.06 ₹196

$4.28 ₱274

-51.87%

Gasoline (1 liter)

$1.06 ₹101

$1.31 ₱83.8

-19.08%

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

$11.3K ₹1.1M

$20.8K ₱1.3M

-45.48%

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

$22.4K ₹2.1M

$19.0K ₱1.2M

17.83%

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

$21.40 ₹2,037

$118 ₱7,577

-81.93%

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

$3.52 ₹335

$15.76 ₱1,009

-77.66%

Internet (50+ Mbps, Unlimited Data)

$5.28 ₹503

$28.33 ₱1,813

-81.36%

Gym Membership (Monthly)

$13.94 ₹1,327

$32.94 ₱2,108

-57.68%

Tennis Court (1 Hour on Weekend)

$7.03 ₹669

$6.49 ₱415

8.32%

Cinema Ticket

$2.66 ₹254

$5.45 ₱349

-51.19%

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

$50.5 ₹4,810

$276 ₱17.6K

-81.68%

International Primary School, 1 Child (Yearly)

$1,567 ₹149.2K

$7,789 ₱498.5K

-79.89%

Jeans (Levis 501 Or Similar)

$22.63 ₹2,155

$48.18 ₱3,083

-53.03%

Summer Dress (H&M, Zara, etc)

$20.74 ₹1,975

$24.47 ₱1,566

-15.24%

Sport Shoes (Adidas, Nike)

$30.33 ₹2,888

$75.3 ₱4,818

-59.71%

Men's Leather Business Shoes

$31.40 ₹2,990

$58.0 ₱3,713

-45.88%

1-bedroom Apartment, City Center (Monthly)

$120 ₹11.4K

$477 ₱30.5K

-74.94%

1-bedroom Apartment, Outside City Center (Monthly)

$75.6 ₹7,196

$322 ₱20.6K

-76.51%

3-bedroom Apartment, City Center (Monthly)

$264 ₹25.1K

$963 ₱61.6K

-72.63%

3-bedroom Apartment, Outside City Center (Monthly)

$185 ₹17.6K

$626 ₱40.0K

-70.45%

Buy Apartment in City Center (m2)

$975 ₹92.8K

$4,551 ₱291.3K

-78.58%

Buy Apartment Outside City Center (m2)

$528 ₹50.3K

$3,028 ₱193.8K

-82.56%

Average Monthly Net Salary (After Tax)

$684 ₹65.1K

$333 ₱21.3K

105.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.58

7.2

19.17%

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

Last update for Rayagada: October 27, 2026

Last update for Cebu: October 26, 2026

Monthly budget structure

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

Groceries & Markets

Rayagada

$95 28.8%

Cebu

$204 21.8% 115% $109

Accommodation & Living

Rayagada

$76 23%

Cebu

$322 34.5% 326% $246

Eating Out

Rayagada

$54 16.3%

Cebu

$94 10.1% 75.5% $40

Clothing & Footwear

Rayagada

$47 14.4%

Cebu

$93 9.9% 95.9% $45

Monthly Utilities & Internet

Rayagada

$30 9.2%

Cebu

$163 17.4% 438% $132

Sport & Entertainment

Rayagada

$19 5.9%

Cebu

$44 4.7% 128% $25

Getting Around

Rayagada

$8.3 2.5%

Cebu

$15 1.6% 81.7% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $120 in Rayagada and $477 in Cebu. Housing cost is often the main lever when comparing two cities.

Rayagada pays about 2.1 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $8 in Rayagada vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $95 vs $204 per month, with Rayagada cheaper across the board.

Good to know

🇮🇳 Rayagada

🇵🇭 Cebu

🕒 Local time

09:53 9:53 AM

12:23 12:23 PM

2 h 30 min ahead of Rayagada

🌤 Weather

👥 Population

71,208

964,169

💱 Currency

Indian Rupee INR ₹

Philippine Peso PHP ₱

📈 Exchange rate

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

PHP, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 29, 2026: 1 USD = 95.21 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.24 PHP (100 PHP = 1.4 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Rayagada Cebu 4,450 km ≈ 6 h nonstop flight

From you

Rayagada
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

Rayagada vs Cebu: Cost of Living - Frequently Asked Questions

Rayagada is about 65% cheaper overall, especially in groceries, clothing, and eating out. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Rayagada is about 2.1 times higher, 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: $120 in Rayagada versus $477 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $329 per month in Rayagada versus $934 in Cebu – Rayagada is about 65% cheaper, which adds up to real savings over time.

A monthly transit pass in Rayagada runs roughly 50% less than in Cebu. The price difference matters if you commute daily and watch your budget.

At $329 in Rayagada versus $934 in Cebu, a $800 budget is realistic in Rayagada but tight or insufficient in Cebu. The gap between the two cities makes Rayagada the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Rayagada gentler on the wallet – expenses run 65% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.