Last update: Oct 2026

Cost of Living Comparison Between Regensburg and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,971 in Regensburg, rent and utilities included – about $12,400 less a year. Rent and utilities account for about half of the difference.

95

Cost of Living Index in Regensburg
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Regensburg Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Regensburg

🇩🇪 Germany

$1,971

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,971 in Regensburg versus $934 in Cebu.

Regensburg $1,971
Cebu $934

Estimated couple costs with rent: $2,943 in Regensburg versus $1,415 in Cebu.

Regensburg $2,943
Cebu $1,415

Monthly costs for a family of three with rent: $3,915 in Regensburg versus $1,896 in Cebu.

Regensburg $3,915
Cebu $1,896

Living in Regensburg is roughly 111% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Regensburg is 47% above, Cebu is 30% below.

Meal at Budget Restaurant

$16.54 €14.76

$3.03 ₱190

445.87%

Three-Course Dinner for Two, Mid-Range

$74.2 €66.2

$23.48 ₱1,473

215.93%

Fast Food Meal (McDonalds, etc)

$15.58 €13.91

$4.09 ₱256

280.93%

Cappuccino

$4.04 €3.61

$2.52 ₱158

60.32%

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

$3.31 €2.96

$1.54 ₱96.9

114.94%

Water (0.33 liter bottle)

$2.08 €1.86

$0.49 ₱30.98

324.49%

Local Beer (0.5 liter draught)

$4.27 €3.81

$1.79 ₱112

138.55%

Imported Beer (0.33 liter bottle)

$5.03 €4.49

$2.26 ₱142

122.57%

Milk (1 liter)

$1.48 €1.32

$1.95 ₱122

-24.10%

White Bread (500g)

$1.94 €1.73

$1.43 ₱89.7

35.66%

Rice (white) (1kg)

$3.70 €3.30

$1.02 ₱63.8

262.75%

Eggs

$3.28 €2.92

$2.06 ₱129

59.22%

Local Cheese (1kg)

$18.15 €16.20

$9.81 ₱615

85.02%

Chicken Fillets (1kg)

$8.69 €7.76

$4.61 ₱289

88.50%

Beef Round Steak (1kg)

$26.00 €23.20

$7.70 ₱483

237.66%

Apples (1kg)

$3.12 €2.79

$3.31 ₱207

-5.74%

Banana (1kg)

$2.30 €2.05

$1.45 ₱90.9

58.62%

Oranges (1kg)

$1.86 €1.66

$2.36 ₱148

-21.19%

Tomato (1kg)

$3.62 €3.23

$1.54 ₱96.4

135.06%

Potato (1kg)

$1.13 €1.01

$2.36 ₱148

-52.12%

Onion (1kg)

$1.36 €1.21

$1.99 ₱125

-31.66%

Lettuce (1 head)

$1.43 €1.27

$1.15 ₱72.1

24.35%

Water (1.5 liter bottle)

$1.01 €0.90

$0.67 ₱42.15

50.75%

Cigarettes 20 Pack (Marlboro, Camel)

$9.56 €8.53

$3.00 ₱188

218.67%

Wine (Bottle)

$6.83 €6.09

$6.35 ₱398

7.56%

Local Beer (0.5 liter bottle)

$1.12 €1.00

$1.31 ₱81.9

-14.50%

Imported Beer (0.33 liter bottle)

$1.71 €1.53

$1.73 ₱108

-1.16%

One-way Ticket (Public Transport)

$3.31 €2.95

$0.25 ₱15.78

1224.00%

Public Transport Monthly Pass (Regular Price)

$67.9 €60.6

$12.65 ₱793

436.44%

Taxi Start (Normal Tariff)

$5.64 €5.04

$0.74 ₱46.32

662.16%

Taxi (Normal Tariff) (1km)

$2.93 €2.62

$0.21 ₱13.11

1295.24%

Taxi 1hour Waiting (Normal Tariff)

$37.44 €33.41

$4.33 ₱271

764.67%

Gasoline (1 liter)

$2.10 €1.88

$1.33 ₱83.5

57.89%

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

$33.0K €29.5K

$21.8K ₱1.4M

51.73%

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

$38.3K €34.2K

$19.4K ₱1.2M

97.67%

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

$285 €254

$121 ₱7,563

136.03%

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

$32.54 €29.03

$14.45 ₱907

125.19%

Internet (50+ Mbps, Unlimited Data)

$47.95 €42.79

$28.29 ₱1,774

69.49%

Gym Membership (Monthly)

$57.6 €51.4

$32.68 ₱2,050

76.13%

Tennis Court (1 Hour on Weekend)

$23.09 €20.60

$6.39 ₱401

261.35%

Cinema Ticket

$16.18 €14.44

$5.46 ₱342

196.34%

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

$250 €223

$273 ₱17.1K

-8.55%

International Primary School, 1 Child (Yearly)

$7,759 €6,924

$8,156 ₱511.5K

-4.86%

Jeans (Levis 501 Or Similar)

$77.9 €69.5

$49.57 ₱3,109

57.15%

Summer Dress (H&M, Zara, etc)

$69.9 €62.4

$24.87 ₱1,560

181.06%

Sport Shoes (Adidas, Nike)

$78.9 €70.4

$76.6 ₱4,804

3.03%

Men's Leather Business Shoes

$119 €107

$59.3 ₱3,717

101.54%

1-bedroom Apartment, City Center (Monthly)

$826 €737

$506 ₱31.7K

63.30%

1-bedroom Apartment, Outside City Center (Monthly)

$621 €554

$309 ₱19.4K

100.80%

3-bedroom Apartment, City Center (Monthly)

$1,460 €1,303

$1,052 ₱66.0K

38.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,066 €951

$619 ₱38.8K

72.22%

Buy Apartment in City Center (m2)

$8,474 €7,562

$2,915 ₱182.9K

190.66%

Buy Apartment Outside City Center (m2)

$4,388 €3,916

$1,867 ₱117.1K

135.00%

Average Monthly Net Salary (After Tax)

$3,451 €3,079

$341 ₱21.4K

911.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.95

7.2

-45.14%

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

Last update for Regensburg: 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

Regensburg

$621 31.8%

Cebu

$309 33.5% 50.2% $312

Monthly Utilities & Internet

Regensburg

$365 18.7%

Cebu

$163 17.7% 55.3% $202

Groceries & Markets

Regensburg

$340 17.4%

Cebu

$210 22.7% 38.1% $129

Eating Out

Regensburg

$281 14.4%

Cebu

$88 9.6% 68.5% $192

Clothing & Footwear

Regensburg

$156 8%

Cebu

$95 10.2% 39.2% $61

Getting Around

Regensburg

$101 5.2%

Cebu

$15 1.7% 84.8% $86

Sport & Entertainment

Regensburg

$90 4.6%

Cebu

$44 4.7% 51.5% $46

Cost Breakdown

A one-bedroom apartment in the center runs $826 in Regensburg and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Regensburg pays 912% 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: $74.0 in Regensburg vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $340 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇩🇪 Regensburg

🇵🇭 Cebu

🕒 Local time

09:03 9:03 AM

15:03 3:03 PM

6 h ahead of Regensburg

🌤 Weather

👥 Population

145,000

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 = 70.35 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Regensburg Cebu 10,680 km ≈ 14 h nonstop flight

From you

Regensburg
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

Regensburg vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 111% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 912% higher in Regensburg, 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: $826 in Regensburg versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,971 per month in Regensburg versus $934 in Cebu – a 111% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 436% less than in Regensburg. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,971 in Regensburg, a $1,500 budget is realistic in Cebu but tight or insufficient in Regensburg. 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 Regensburg, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Regensburg 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 111% less than in Regensburg. Beyond cost, consider language, visa policies, and how big the international community is in each city.