Last update: Oct 2026

Cost of Living Comparison Between Retford and Cebu

For one person, living is cheaper in Cebu: $915 a month against $2,255 in Retford, rent and utilities included – about $16,100 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Retford
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Retford Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Retford

🇬🇧 United Kingdom

$2,255

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,255 in Retford versus $915 in Cebu.

Retford $2,255
Cebu $915

Estimated couple costs with rent: $3,343 in Retford versus $1,418 in Cebu.

Retford $3,343
Cebu $1,418

Monthly costs for a family of three with rent: $4,432 in Retford versus $1,921 in Cebu.

Retford $4,432
Cebu $1,921

Living in Retford is roughly 147% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Retford is 66% above, Cebu is 33% below.

Meal at Budget Restaurant

$14.72 £11.04

$3.05 ₱192

382.62%

Three-Course Dinner for Two, Mid-Range

$66.5 £49.87

$24.00 ₱1,511

176.96%

Fast Food Meal (McDonalds, etc)

$7.14 £5.36

$3.99 ₱251

78.95%

Cappuccino

$3.88 £2.91

$2.50 ₱157

55.20%

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

$1.75 £1.31

$1.54 ₱97.1

13.64%

Water (0.33 liter bottle)

$1.78 £1.33

$0.50 ₱31.37

256.00%

Local Beer (0.5 liter draught)

$4.30 £3.22

$1.78 ₱112

141.57%

Imported Beer (0.33 liter bottle)

$4.34 £3.26

$2.17 ₱136

100.00%

Milk (1 liter)

$1.72 £1.29

$2.00 ₱126

-14.00%

White Bread (500g)

$1.83 £1.38

$1.37 ₱86.2

33.58%

Rice (white) (1kg)

$1.64 £1.23

$1.03 ₱64.9

59.22%

Eggs

$4.66 £3.50

$2.03 ₱128

129.56%

Local Cheese (1kg)

$11.18 £8.39

$10.20 ₱642

9.61%

Chicken Fillets (1kg)

$10.16 £7.62

$4.45 ₱280

128.31%

Beef Round Steak (1kg)

$12.50 £9.38

$7.67 ₱483

62.97%

Apples (1kg)

$2.09 £1.56

$3.31 ₱208

-36.86%

Banana (1kg)

$1.80 £1.35

$1.46 ₱91.8

23.29%

Oranges (1kg)

$1.76 £1.32

$2.32 ₱146

-24.14%

Tomato (1kg)

$1.74 £1.31

$1.49 ₱94.0

16.78%

Potato (1kg)

$1.48 £1.11

$2.34 ₱147

-36.75%

Onion (1kg)

$1.58 £1.19

$1.94 ₱122

-18.56%

Lettuce (1 head)

$0.42 £0.31

$1.16 ₱73.0

-63.79%

Water (1.5 liter bottle)

$1.56 £1.17

$0.68 ₱42.89

129.41%

Cigarettes 20 Pack (Marlboro, Camel)

$23.33 £17.50

$2.99 ₱188

680.27%

Wine (Bottle)

$7.77 £5.83

$6.24 ₱393

24.52%

Local Beer (0.5 liter bottle)

$1.70 £1.27

$1.23 ₱77.3

38.21%

Imported Beer (0.33 liter bottle)

$2.04 £1.53

$1.73 ₱109

17.92%

One-way Ticket (Public Transport)

$3.65 £2.74

$0.23 ₱14.36

1486.96%

Public Transport Monthly Pass (Regular Price)

$108 £80.7

$12.34 ₱777

771.80%

Taxi Start (Normal Tariff)

$4.93 £3.70

$0.79 ₱49.96

524.05%

Taxi (Normal Tariff) (1km)

$3.91 £2.93

$0.22 ₱13.86

1677.27%

Taxi 1hour Waiting (Normal Tariff)

$28.85 £21.64

$4.54 ₱286

535.46%

Gasoline (1 liter)

$2.09 £1.57

$1.32 ₱82.9

58.33%

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

$40.1K £30.1K

$21.0K ₱1.3M

91.09%

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

$44.2K £33.2K

$19.4K ₱1.2M

127.83%

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

$342 £257

$119 ₱7,464

188.44%

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

$27.87 £20.91

$14.22 ₱896

95.99%

Internet (50+ Mbps, Unlimited Data)

$46.53 £34.91

$27.47 ₱1,730

69.38%

Gym Membership (Monthly)

$52.7 £39.53

$32.31 ₱2,034

63.08%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$11.50 £8.62

$5.40 ₱340

112.96%

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

$1,926 £1,445

$276 ₱17.4K

597.84%

International Primary School, 1 Child (Yearly)

$23.9K £17.9K

$7,866 ₱495.3K

203.48%

Jeans (Levis 501 Or Similar)

$85.1 £63.9

$49.37 ₱3,108

72.41%

Summer Dress (H&M, Zara, etc)

$60.8 £45.59

$24.58 ₱1,548

147.27%

Sport Shoes (Adidas, Nike)

$109 £81.4

$76.6 ₱4,825

41.58%

Men's Leather Business Shoes

$161 £121

$58.9 ₱3,706

173.75%

1-bedroom Apartment, City Center (Monthly)

$1,398 £1,049

$503 ₱31.7K

177.60%

1-bedroom Apartment, Outside City Center (Monthly)

$924 £693

$305 ₱19.2K

203.39%

3-bedroom Apartment, City Center (Monthly)

$2,099 £1,575

$1,075 ₱67.7K

95.28%

3-bedroom Apartment, Outside City Center (Monthly)

$1,675 £1,257

$632 ₱39.8K

164.99%

Buy Apartment in City Center (m2)

$5,059 £3,796

$2,870 ₱180.7K

76.30%

Buy Apartment Outside City Center (m2)

$3,851 £2,889

$1,877 ₱118.2K

105.12%

Average Monthly Net Salary (After Tax)

$1,711 £1,283

$336 ₱21.1K

409.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.3

7.2

-26.39%

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

Last update for Retford: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Retford

$924 41%

Cebu

$305 33.3% 67% $619

Monthly Utilities & Internet

Retford

$416 18.5%

Cebu

$160 17.5% 61.5% $256

Groceries & Markets

Retford

$276 12.2%

Cebu

$210 22.9% 24% $66

Eating Out

Retford

$230 10.2%

Cebu

$88 9.6% 61.9% $142

Clothing & Footwear

Retford

$187 8.3%

Cebu

$94 10.3% 49.6% $93

Getting Around

Retford

$147 6.5%

Cebu

$15 1.7% 89.7% $132

Sport & Entertainment

Retford

$76 3.4%

Cebu

$43 4.7% 43% $33

Cost Breakdown

A one-bedroom apartment in the center runs $1,398 in Retford and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Retford pays 409% 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: $66.0 in Retford vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $276 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Retford

🇵🇭 Cebu

🕒 Local time

13:25 1:25 PM

20:25 8:25 PM

7 h ahead of Retford

🌤 Weather

👥 Population

22,023

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 20, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 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 GBP in detail →

On the map

Lowest

Highest

Between locations

Retford Cebu 11,240 km ≈ 15 h nonstop flight

From you

Retford
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

Retford vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 147% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 409% higher in Retford, 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: $1,398 in Retford versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,255 per month in Retford versus $915 in Cebu – a 147% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 772% less than in Retford. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $2,255 in Retford, a $1,500 budget is realistic in Cebu but tight or insufficient in Retford. 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 Retford, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Retford 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 147% less than in Retford. Beyond cost, consider language, visa policies, and how big the international community is in each city.