Last update: Oct 2026

Cost of Living Comparison Between Rugby and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,325 in Rugby, rent and utilities included – about $16,900 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Rugby
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Rugby Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Rugby

🇬🇧 United Kingdom

$2,325

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,325 in Rugby versus $918 in Cebu.

Rugby $2,325
Cebu $918

Estimated couple costs with rent: $3,479 in Rugby versus $1,409 in Cebu.

Rugby $3,479
Cebu $1,409

Monthly costs for a family of three with rent: $4,633 in Rugby versus $1,900 in Cebu.

Rugby $4,633
Cebu $1,900

Living in Rugby is roughly 153% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Rugby is 72% above, Cebu is 32% below.

Meal at Budget Restaurant

$20.21 £15.16

$3.09 ₱194

554.05%

Three-Course Dinner for Two, Mid-Range

$77.8 £58.4

$24.22 ₱1,525

221.14%

Fast Food Meal (McDonalds, etc)

$9.15 £6.87

$3.92 ₱247

133.42%

Cappuccino

$4.91 £3.68

$2.51 ₱158

95.62%

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

$2.14 £1.61

$1.59 ₱100

34.59%

Water (0.33 liter bottle)

$1.47 £1.10

$0.53 ₱33.43

177.36%

Local Beer (0.5 liter draught)

$6.07 £4.55

$1.78 ₱112

241.01%

Imported Beer (0.33 liter bottle)

$6.25 £4.69

$2.17 ₱137

188.02%

Milk (1 liter)

$1.70 £1.28

$1.92 ₱121

-11.46%

White Bread (500g)

$1.75 £1.31

$1.36 ₱85.4

28.68%

Rice (white) (1kg)

$2.54 £1.91

$1.01 ₱63.5

151.49%

Eggs

$3.95 £2.97

$2.03 ₱128

94.58%

Local Cheese (1kg)

$9.00 £6.75

$9.86 ₱621

-8.72%

Chicken Fillets (1kg)

$7.95 £5.97

$4.39 ₱277

81.09%

Beef Round Steak (1kg)

$14.82 £11.12

$7.60 ₱479

95.00%

Apples (1kg)

$2.50 £1.87

$3.30 ₱208

-24.24%

Banana (1kg)

$1.75 £1.31

$1.39 ₱87.8

25.90%

Oranges (1kg)

$2.40 £1.80

$2.33 ₱147

3.00%

Tomato (1kg)

$3.07 £2.31

$1.50 ₱94.3

104.67%

Potato (1kg)

$1.59 £1.19

$2.36 ₱149

-32.63%

Onion (1kg)

$1.72 £1.29

$1.90 ₱119

-9.47%

Lettuce (1 head)

$1.29 £0.97

$1.19 ₱74.9

8.40%

Water (1.5 liter bottle)

$1.56 £1.17

$0.63 ₱39.71

147.62%

Cigarettes 20 Pack (Marlboro, Camel)

$22.02 £16.52

$3.00 ₱189

634.00%

Wine (Bottle)

$12.03 £9.03

$6.03 ₱379

99.50%

Local Beer (0.5 liter bottle)

$3.53 £2.65

$1.23 ₱77.7

186.99%

Imported Beer (0.33 liter bottle)

$3.30 £2.47

$1.75 ₱110

88.57%

One-way Ticket (Public Transport)

$2.56 £1.92

$0.25 ₱15.86

924.00%

Public Transport Monthly Pass (Regular Price)

$95.9 £71.9

$12.64 ₱796

658.39%

Taxi Start (Normal Tariff)

$4.66 £3.50

$0.77 ₱48.62

505.19%

Taxi (Normal Tariff) (1km)

$1.67 £1.25

$0.23 ₱14.53

626.09%

Taxi 1hour Waiting (Normal Tariff)

$23.98 £17.99

$4.46 ₱281

437.67%

Gasoline (1 liter)

$2.09 £1.57

$1.31 ₱82.8

59.54%

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

$37.7K £28.3K

$21.2K ₱1.3M

77.45%

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

$40.6K £30.4K

$19.1K ₱1.2M

111.86%

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

$267 £200

$120 ₱7,569

121.66%

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

$20.15 £15.12

$14.00 ₱882

43.93%

Internet (50+ Mbps, Unlimited Data)

$47.12 £35.35

$27.54 ₱1,734

71.10%

Gym Membership (Monthly)

$56.8 £42.61

$32.33 ₱2,035

75.69%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$14.75 £11.06

$5.65 ₱356

161.06%

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

$1,566 £1,175

$275 ₱17.3K

468.86%

International Primary School, 1 Child (Yearly)

$22.5K £16.9K

$7,918 ₱498.5K

184.47%

Jeans (Levis 501 Or Similar)

$105 £78.9

$49.33 ₱3,106

113.32%

Summer Dress (H&M, Zara, etc)

$30.79 £23.10

$25.24 ₱1,589

21.99%

Sport Shoes (Adidas, Nike)

$84.6 £63.5

$77.0 ₱4,846

9.93%

Men's Leather Business Shoes

$110 £82.6

$57.2 ₱3,601

92.55%

1-bedroom Apartment, City Center (Monthly)

$1,135 £851

$500 ₱31.5K

127.15%

1-bedroom Apartment, Outside City Center (Monthly)

$1,031 £774

$309 ₱19.4K

233.88%

3-bedroom Apartment, City Center (Monthly)

$1,773 £1,330

$1,078 ₱67.9K

64.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,839 £1,380

$615 ₱38.7K

198.91%

Buy Apartment in City Center (m2)

$5,108 £3,832

$2,886 ₱181.7K

76.98%

Buy Apartment Outside City Center (m2)

$3,853 £2,890

$1,917 ₱120.7K

101.03%

Average Monthly Net Salary (After Tax)

$4,630 £3,474

$346 ₱21.8K

1238.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.09

7.2

-29.31%

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

Last update for Rugby: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Rugby

$1K 44.4%

Cebu

$309 33.6% 70% $722

Monthly Utilities & Internet

Rugby

$334 14.4%

Cebu

$162 17.6% 51.5% $172

Eating Out

Rugby

$305 13.1%

Cebu

$88 9.6% 71.1% $217

Groceries & Markets

Rugby

$300 12.9%

Cebu

$206 22.4% 31.4% $94

Clothing & Footwear

Rugby

$149 6.4%

Cebu

$94 10.2% 36.9% $55

Getting Around

Rugby

$119 5.1%

Cebu

$16 1.7% 86.9% $104

Sport & Entertainment

Rugby

$86 3.7%

Cebu

$44 4.8% 49.4% $43

Cost Breakdown

A one-bedroom apartment in the center runs $1,135 in Rugby and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Rugby pays 1238% 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: $78.0 in Rugby vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $300 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Rugby

🇵🇭 Cebu

🕒 Local time

02:34 2:34 AM

09:34 9:34 AM

7 h ahead of Rugby

🌤 Weather

👥 Population

70,628

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 18, 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 18, 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

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Between locations

Rugby Cebu 11,320 km ≈ 15 h nonstop flight

From you

Rugby
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

Rugby vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 153% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1238% higher in Rugby, 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: $1,135 in Rugby versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,325 per month in Rugby versus $918 in Cebu – a 153% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 658% less than in Rugby. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,325 in Rugby, a $1,500 budget is realistic in Cebu but tight or insufficient in Rugby. 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 Rugby, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Rugby 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 153% less than in Rugby. Beyond cost, consider language, visa policies, and how big the international community is in each city.