Last update: Oct 2026

Cost of Living Comparison Between Sagamu and Cebu

For one person, living is cheaper in Sagamu: $479 a month against $918 in Cebu, rent and utilities included – about $5,300 less a year. Rent and utilities account for most of the difference.

23

Cost of Living Index in Sagamu
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Sagamu Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Sagamu

🇳🇬 Nigeria

$479

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $479 in Sagamu versus $918 in Cebu.

Sagamu $479
Cebu $918

Estimated couple costs with rent: $804 in Sagamu versus $1,409 in Cebu.

Sagamu $804
Cebu $1,409

Monthly costs for a family of three with rent: $1,129 in Sagamu versus $1,900 in Cebu.

Sagamu $1,129
Cebu $1,900

Living in Sagamu costs roughly 48% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Sagamu 65% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.67 ₦4,883

$3.09 ₱194

18.77%

Three-Course Dinner for Two, Mid-Range

$49.25 ₦65.5K

$24.22 ₱1,525

103.34%

Fast Food Meal (McDonalds, etc)

$7.38 ₦9,819

$3.92 ₱247

88.27%

Cappuccino

$2.77 ₦3,685

$2.51 ₱158

10.36%

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

$0.44 ₦581

$1.59 ₱100

-72.33%

Water (0.33 liter bottle)

$0.24 ₦320

$0.53 ₱33.43

-54.72%

Local Beer (0.5 liter draught)

$1.02 ₦1,352

$1.78 ₱112

-42.70%

Imported Beer (0.33 liter bottle)

$1.99 ₦2,642

$2.17 ₱137

-8.29%

Milk (1 liter)

$3.16 ₦4,205

$1.92 ₱121

64.58%

White Bread (500g)

$1.42 ₦1,886

$1.36 ₱85.4

4.41%

Rice (white) (1kg)

$1.25 ₦1,660

$1.01 ₱63.5

23.76%

Eggs

$2.22 ₦2,947

$2.03 ₱128

9.36%

Local Cheese (1kg)

$3.63 ₦4,830

$9.86 ₱621

-63.18%

Chicken Fillets (1kg)

$3.81 ₦5,073

$4.39 ₱277

-13.21%

Beef Round Steak (1kg)

$4.36 ₦5,801

$7.60 ₱479

-42.63%

Apples (1kg)

$1.71 ₦2,280

$3.30 ₱208

-48.18%

Banana (1kg)

$1.29 ₦1,711

$1.39 ₱87.8

-7.19%

Oranges (1kg)

$1.10 ₦1,458

$2.33 ₱147

-52.79%

Tomato (1kg)

$1.27 ₦1,693

$1.50 ₱94.3

-15.33%

Potato (1kg)

$1.34 ₦1,778

$2.36 ₱149

-43.22%

Onion (1kg)

$1.35 ₦1,795

$1.90 ₱119

-28.95%

Lettuce (1 head)

$0.83 ₦1,106

$1.19 ₱74.9

-30.25%

Water (1.5 liter bottle)

$0.40 ₦530

$0.63 ₱39.71

-36.51%

Cigarettes 20 Pack (Marlboro, Camel)

$0.54 ₦721

$3.00 ₱189

-82.00%

Wine (Bottle)

$2.40 ₦3,189

$6.03 ₱379

-60.20%

Local Beer (0.5 liter bottle)

$0.54 ₦720

$1.23 ₱77.7

-56.10%

Imported Beer (0.33 liter bottle)

$0.50 ₦670

$1.75 ₱110

-71.43%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.67 ₦886

$0.77 ₱48.62

-12.99%

Taxi (Normal Tariff) (1km)

$0.91 ₦1,213

$0.23 ₱14.53

295.65%

Taxi 1hour Waiting (Normal Tariff)

$2.20 ₦2,920

$4.46 ₱281

-50.67%

Gasoline (1 liter)

$0.87 ₦1,163

$1.31 ₱82.8

-33.59%

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

$11.1K ₦14.8M

$21.2K ₱1.3M

-47.68%

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

$13.5K ₦17.9M

$19.1K ₱1.2M

-29.64%

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

$111 ₦148.0K

$120 ₱7,569

-7.47%

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

$14.97 ₦19.9K

$14.00 ₱882

6.93%

Internet (50+ Mbps, Unlimited Data)

$32.51 ₦43.2K

$27.54 ₱1,734

18.05%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$6.33 ₦8,418

$5.65 ₱356

12.04%

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

$659 ₦876.5K

$275 ₱17.3K

139.36%

International Primary School, 1 Child (Yearly)

$19.9K ₦26.5M

$7,918 ₱498.5K

151.30%

Jeans (Levis 501 Or Similar)

$14.65 ₦19.5K

$49.33 ₱3,106

-70.30%

Summer Dress (H&M, Zara, etc)

$18.30 ₦24.3K

$25.24 ₱1,589

-27.50%

Sport Shoes (Adidas, Nike)

$36.36 ₦48.4K

$77.0 ₱4,846

-52.75%

Men's Leather Business Shoes

$47.86 ₦63.7K

$57.2 ₱3,601

-16.33%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

18.39

7.2

155.42%

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

Last update for Sagamu: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Sagamu

$159 33.2%

Cebu

$162 17.6% 1.9% $3

Groceries & Markets

Sagamu

$153 32%

Cebu

$206 22.4% 34.5% $53

Eating Out

Sagamu

$97 20.2%

Cebu

$88 9.6% 8.6% $8.3

Clothing & Footwear

Sagamu

$53 11%

Cebu

$94 10.2% 78.2% $41

Sport & Entertainment

Sagamu

$13 * 2.6%

Cebu

$44 4.8% 245% $31

Getting Around

Sagamu

$5.2 * 1.1%

Cebu

$16 1.7% 198% $10

Accommodation & Living

Sagamu

- * 0%

Cebu

$309 33.6%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $49.00 in Sagamu vs $24.00 in Cebu. Groceries flip the comparison at $153 vs $206, with Sagamu cheaper for home cooking.

Good to know

🇳🇬 Sagamu

🇵🇭 Cebu

🕒 Local time

14:54 2:54 PM

21:54 9:54 PM

7 h ahead of Sagamu

🌤 Weather

👥 Population

214,558

964,169

💱 Currency

Nigerian Naira NGN ₦

Philippine Peso PHP ₱

📈 Exchange rate

10,000 NGN = 7.52 USD

10,000 NGN = 6.69 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NGN – Nigerian Naira Converter

🇺🇸 United States Dollar ($)

🇳🇬 Nigerian Naira (₦)

Nigerian Naira exchange rates as of October 17, 2026: 1 USD = 1,330 NGN (10,000 NGN = 7.52 USD). 1 EUR = 1,496 NGN (10,000 NGN = 6.69 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to NGN in detail →

On the map

Lowest

Highest

Between locations

Sagamu Cebu 13,130 km ≈ 17 h nonstop flight

From you

Sagamu
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

Sagamu vs Cebu: Cost of Living - Frequently Asked Questions

Sagamu is cheaper overall, especially in groceries, clothing, and leisure. The 92% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $718 in Sagamu and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Supermarket bills run roughly 35% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $479 per month in Sagamu versus $918 in Cebu – a 92% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Sagamu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Sagamu is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Sagamu 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 Sagamu gentler on the wallet – expenses run 92% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.