Last update: Oct 2026

Cost of Living Comparison Between Saint-Etienne and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,441 in Saint-Etienne, rent and utilities included – about $6,300 less a year. Other living expenses account for most of the difference.

70

Cost of Living Index in Saint-Etienne
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Saint-Etienne Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Saint-Etienne

🇫🇷 France

$1,441

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,441 in Saint-Etienne versus $918 in Cebu.

Saint-Etienne $1,441
Cebu $918

Estimated couple costs with rent: $2,272 in Saint-Etienne versus $1,409 in Cebu.

Saint-Etienne $2,272
Cebu $1,409

Monthly costs for a family of three with rent: $3,103 in Saint-Etienne versus $1,900 in Cebu.

Saint-Etienne $3,103
Cebu $1,900

Living in Saint-Etienne is roughly 57% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Saint-Etienne is 7% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.72 €14.88

$3.09 ₱194

441.10%

Three-Course Dinner for Two, Mid-Range

$56.6 €50.4

$24.22 ₱1,525

133.77%

Fast Food Meal (McDonalds, etc)

$13.48 €11.99

$3.92 ₱247

243.88%

Cappuccino

$2.03 €1.81

$2.51 ₱158

-19.12%

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

$3.45 €3.07

$1.59 ₱100

116.98%

Water (0.33 liter bottle)

$1.62 €1.44

$0.53 ₱33.43

205.66%

Local Beer (0.5 liter draught)

$5.11 €4.55

$1.78 ₱112

187.08%

Imported Beer (0.33 liter bottle)

$5.52 €4.91

$2.17 ₱137

154.38%

Milk (1 liter)

$1.31 €1.17

$1.92 ₱121

-31.77%

White Bread (500g)

$1.14 €1.01

$1.36 ₱85.4

-16.18%

Rice (white) (1kg)

$2.17 €1.93

$1.01 ₱63.5

114.85%

Eggs

$3.04 €2.71

$2.03 ₱128

49.75%

Local Cheese (1kg)

$17.41 €15.49

$9.86 ₱621

76.57%

Chicken Fillets (1kg)

$10.94 €9.73

$4.39 ₱277

149.20%

Beef Round Steak (1kg)

$16.43 €14.61

$7.60 ₱479

116.18%

Apples (1kg)

$3.43 €3.05

$3.30 ₱208

3.94%

Banana (1kg)

$2.61 €2.32

$1.39 ₱87.8

87.77%

Oranges (1kg)

$2.43 €2.17

$2.33 ₱147

4.29%

Tomato (1kg)

$2.83 €2.52

$1.50 ₱94.3

88.67%

Potato (1kg)

$1.60 €1.42

$2.36 ₱149

-32.20%

Onion (1kg)

$1.71 €1.52

$1.90 ₱119

-10.00%

Lettuce (1 head)

$1.13 €1.01

$1.19 ₱74.9

-5.04%

Water (1.5 liter bottle)

$2.24 €2.00

$0.63 ₱39.71

255.56%

Cigarettes 20 Pack (Marlboro, Camel)

$12.22 €10.87

$3.00 ₱189

307.33%

Wine (Bottle)

$10.11 €8.99

$6.03 ₱379

67.66%

Local Beer (0.5 liter bottle)

$3.44 €3.06

$1.23 ₱77.7

179.67%

Imported Beer (0.33 liter bottle)

$3.39 €3.02

$1.75 ₱110

93.71%

One-way Ticket (Public Transport)

$1.81 €1.61

$0.25 ₱15.86

624.00%

Public Transport Monthly Pass (Regular Price)

$39.38 €35.03

$12.64 ₱796

211.55%

Taxi Start (Normal Tariff)

$2.71 €2.41

$0.77 ₱48.62

251.95%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$2.07 €1.84

$1.31 ₱82.8

58.02%

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

$19.9K €17.7K

$21.2K ₱1.3M

-6.10%

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

$32.5K €28.9K

$19.1K ₱1.2M

69.86%

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

$168 €150

$120 ₱7,569

40.02%

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

$29.15 €25.93

$14.00 ₱882

108.21%

Internet (50+ Mbps, Unlimited Data)

$18.79 €16.71

$27.54 ₱1,734

-31.77%

Gym Membership (Monthly)

$30.48 €27.11

$32.33 ₱2,035

-5.72%

Tennis Court (1 Hour on Weekend)

$6.63 €5.90

$6.65 ₱419

-0.30%

Cinema Ticket

$9.90 €8.80

$5.65 ₱356

75.22%

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

$984 €875

$275 ₱17.3K

257.36%

International Primary School, 1 Child (Yearly)

$15.8K €14.0K

$7,918 ₱498.5K

98.97%

Jeans (Levis 501 Or Similar)

$70.6 €62.8

$49.33 ₱3,106

43.16%

Summer Dress (H&M, Zara, etc)

$30.10 €26.77

$25.24 ₱1,589

19.26%

Sport Shoes (Adidas, Nike)

$103 €91.9

$77.0 ₱4,846

34.20%

Men's Leather Business Shoes

$154 €137

$57.2 ₱3,601

168.58%

1-bedroom Apartment, City Center (Monthly)

$526 €468

$500 ₱31.5K

5.35%

1-bedroom Apartment, Outside City Center (Monthly)

$367 €326

$309 ₱19.4K

18.83%

3-bedroom Apartment, City Center (Monthly)

$883 €786

$1,078 ₱67.9K

-18.07%

3-bedroom Apartment, Outside City Center (Monthly)

$713 €634

$615 ₱38.7K

15.94%

Buy Apartment in City Center (m2)

$1,679 €1,494

$2,886 ₱181.7K

-41.82%

Buy Apartment Outside City Center (m2)

$1,631 €1,451

$1,917 ₱120.7K

-14.88%

Average Monthly Net Salary (After Tax)

$2,205 €1,961

$346 ₱21.8K

537.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.67

7.2

-49.03%

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

Last update for Saint-Etienne: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Saint-Etienne

$367 25.5%

Cebu

$309 33.6% 15.8% $58

Groceries & Markets

Saint-Etienne

$342 23.7%

Cebu

$206 22.4% 39.8% $136

Eating Out

Saint-Etienne

$255 17.7%

Cebu

$88 9.6% 65.5% $167

Monthly Utilities & Internet

Saint-Etienne

$216 15%

Cebu

$162 17.6% 25.2% $55

Clothing & Footwear

Saint-Etienne

$161 11.2%

Cebu

$94 10.2% 41.6% $67

Sport & Entertainment

Saint-Etienne

$50 3.5%

Cebu

$44 4.8% 13.2% $6.7

Getting Around

Saint-Etienne

$49 * 3.4%

Cebu

$16 1.7% 68.4% $34

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

Cost Breakdown

A one-bedroom apartment in the center runs $526 in Saint-Etienne and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Saint-Etienne pays 537% 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: $57.0 in Saint-Etienne vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $342 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇫🇷 Saint-Etienne

🇵🇭 Cebu

🕒 Local time

08:43 8:43 AM

14:43 2:43 PM

6 h ahead of Saint-Etienne

🌤 Weather

👥 Population

172,718

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Saint-Etienne Cebu 11,370 km ≈ 15 h nonstop flight

From you

Saint-Etienne
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

Saint-Etienne vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 57% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 537% higher in Saint-Etienne, 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: $526 in Saint-Etienne versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,441 per month in Saint-Etienne versus $918 in Cebu – a 57% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 212% less than in Saint-Etienne. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,441 in Saint-Etienne, a $1,500 budget is realistic in Cebu but tight or insufficient in Saint-Etienne. 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 Saint-Etienne, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Saint-Etienne 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 57% less than in Saint-Etienne. Beyond cost, consider language, visa policies, and how big the international community is in each city.