Last update: Nov 2026

Cost of Living Comparison Between Sargodha and Cebu

For one person, living is cheaper in Sargodha: $523 a month against $943 in Cebu, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

25

Cost of Living Index in Sargodha
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Sargodha Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Sargodha

🇵🇰 Pakistan

$523

/mo nomad

Cebu

🇵🇭 Philippines

$943

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $523 in Sargodha versus $943 in Cebu.

Sargodha $523
Cebu $943

Estimated couple costs with rent: $825 in Sargodha versus $1,437 in Cebu.

Sargodha $825
Cebu $1,437

Monthly costs for a family of three with rent: $1,127 in Sargodha versus $1,930 in Cebu.

Sargodha $1,127
Cebu $1,930

Living in Sargodha costs roughly 45% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Sargodha 61% lower, Cebu 30% lower.

Meal at Budget Restaurant

$3.68 PKR 1,017

$3.88 ₱244

-5.15%

Three-Course Dinner for Two, Mid-Range

$23.22 PKR 6,423

$23.22 ₱1,462

Fast Food Meal (McDonalds, etc)

$5.32 PKR 1,471

$3.90 ₱246

36.41%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.64 PKR 1,006

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.98 PKR 1,930

Cappuccino

$2.54 PKR 704

$2.56 ₱161

-0.78%

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

$0.32 PKR 87.4

$1.60 ₱101

-80.00%

Water (0.33 liter bottle)

$0.21 PKR 57.9

$0.51 ₱32.02

-58.82%

Local Beer (0.5 liter draught)

$1.76 ₱111

Imported Beer (0.33 liter bottle)

$2.15 ₱136

Milk (1 liter)

$1.00 PKR 277

$1.99 ₱125

-49.75%

White Bread (500g)

$0.78 PKR 215

$1.37 ₱86.3

-43.07%

Rice (white) (1kg)

$1.29 PKR 358

$0.95 ₱59.8

35.79%

Eggs

$1.22 PKR 337

$2.02 ₱127

-39.60%

Local Cheese (1kg)

$6.22 PKR 1,721

$9.63 ₱606

-35.41%

Chicken Fillets (1kg)

$3.19 PKR 882

$4.35 ₱274

-26.67%

Beef Round Steak (1kg)

$5.55 PKR 1,534

$7.70 ₱485

-27.92%

Apples (1kg)

$1.33 PKR 368

$3.30 ₱207

-59.70%

Banana (1kg)

$0.82 PKR 226

$1.27 ₱79.7

-35.43%

Oranges (1kg)

$1.07 PKR 295

$2.34 ₱147

-54.27%

Tomato (1kg)

$0.53 PKR 146

$1.51 ₱95.3

-64.90%

Potato (1kg)

$0.27 PKR 73.7

$2.23 ₱141

-87.89%

Onion (1kg)

$0.36 PKR 98.9

$1.93 ₱122

-81.35%

Lettuce (1 head)

$0.28 PKR 76.6

$1.18 ₱74.4

-76.27%

Water (1.5 liter bottle)

$0.43 PKR 119

$0.65 ₱40.92

-33.85%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.83 PKR 506

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.24 PKR 342

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.35 PKR 649

Cigarettes 20 Pack (Marlboro, Camel)

$2.32 PKR 641

$2.89 ₱182

-19.72%

Wine (Bottle)

$6.35 ₱400

Local Beer (0.5 liter bottle)

$1.27 ₱80.0

Imported Beer (0.33 liter bottle)

$1.64 ₱103

One-way Ticket (Public Transport)

$0.20 PKR 55.1

$0.23 ₱14.42

-13.04%

Public Transport Monthly Pass (Regular Price)

$10.02 PKR 2,772

$12.24 ₱770

-18.14%

Taxi Start (Normal Tariff)

$1.23 PKR 340

$0.82 ₱51.5

50.00%

Taxi (Normal Tariff) (1km)

$0.74 PKR 205

$0.20 ₱12.56

270.00%

Taxi 1hour Waiting (Normal Tariff)

$1.68 PKR 464

$4.32 ₱272

-61.11%

Gasoline (1 liter)

$1.34 PKR 370

$1.38 ₱86.7

-2.90%

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

$21.9K PKR 6.1M

$21.2K ₱1.3M

3.20%

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

$23.2K PKR 6.4M

$19.3K ₱1.2M

20.36%

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

$102 PKR 28.2K

$124 ₱7,814

-17.97%

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

$6.06 PKR 1,677

$15.93 ₱1,003

-61.96%

Internet (50+ Mbps, Unlimited Data)

$17.02 PKR 4,707

$28.07 ₱1,767

-39.37%

Gym Membership (Monthly)

$14.97 PKR 4,140

$33.41 ₱2,103

-55.19%

Tennis Court (1 Hour on Weekend)

$7.87 PKR 2,178

$6.40 ₱403

22.97%

Cinema Ticket

$4.77 PKR 1,319

$5.85 ₱368

-18.46%

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

$42.18 PKR 11.7K

$271 ₱17.0K

-84.41%

International Primary School, 1 Child (Yearly)

$1,034 PKR 285.9K

$8,060 ₱507.3K

-87.17%

Jeans (Levis 501 Or Similar)

$26.16 PKR 7,235

$48.31 ₱3,041

-45.85%

Summer Dress (H&M, Zara, etc)

$34.62 PKR 9,577

$24.56 ₱1,546

40.96%

Sport Shoes (Adidas, Nike)

$97.2 PKR 26.9K

$77.1 ₱4,855

26.02%

Men's Leather Business Shoes

$40.35 PKR 11.2K

$56.5 ₱3,557

-28.60%

1-bedroom Apartment, City Center (Monthly)

$135 PKR 37.5K

$495 ₱31.2K

-72.66%

1-bedroom Apartment, Outside City Center (Monthly)

$84.9 PKR 23.5K

$322 ₱20.2K

-73.61%

3-bedroom Apartment, City Center (Monthly)

$267 PKR 73.8K

$990 ₱62.3K

-73.05%

3-bedroom Apartment, Outside City Center (Monthly)

$181 PKR 50.0K

$628 ₱39.5K

-71.23%

Buy Apartment in City Center (m2)

$811 PKR 224.2K

$4,459 ₱280.6K

-81.82%

Buy Apartment Outside City Center (m2)

$510 PKR 141.2K

$3,030 ₱190.7K

-83.15%

Average Monthly Net Salary (After Tax)

$177 PKR 49.1K

$343 ₱21.6K

-48.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.08

7.2

81.67%

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

Last update for Sargodha: November 2, 2026

Last update for Cebu: November 2, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Sargodha

$125 23.9%

Cebu

$168 17.8% 34.6% $43

Groceries & Markets

Sargodha

$105 20.2%

Cebu

$206 21.8% 95.2% $100

Clothing & Footwear

Sargodha

$89 17.1%

Cebu

$93 9.9% 4.1% $3.7

Accommodation & Living

Sargodha

$85 16.2%

Cebu

$322 34.1% 279% $237

Eating Out

Sargodha

$78 14.9%

Cebu

$95 10.1% 21.8% $17

Sport & Entertainment

Sargodha

$25 4.7%

Cebu

$45 4.8% 84.1% $21

Getting Around

Sargodha

$16 3%

Cebu

$15 1.6% 5% $0.8

Cost Breakdown

A one-bedroom apartment in the center runs $135 in Sargodha and $495 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 93% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $23 in Sargodha vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $105 vs $206 per month, with Sargodha cheaper across the board.

Good to know

🇵🇰 Sargodha

🇵🇭 Cebu

🕒 Local time

06:24 6:24 AM

09:24 9:24 AM

3 h ahead of Sargodha

🌤 Weather

👥 Population

507,817

964,169

💱 Currency

Pakistani Rupee PKR ₨

Philippine Peso PHP ₱

📈 Exchange rate

1,000 PKR = 3.62 USD

1,000 PKR = 3.22 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of November 6, 2026: 1 USD = 277 PKR (1,000 PKR = 3.62 USD). 1 EUR = 311 PKR (1,000 PKR = 3.22 EUR).

Philippine Peso exchange rates as of November 6, 2026: 1 USD = 62.95 PHP (100 PHP = 1.59 USD). 1 EUR = 70.66 PHP (100 PHP = 1.42 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Sargodha Cebu 5,770 km ≈ 8 h nonstop flight

From you

Sargodha
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

Sargodha vs Cebu: Cost of Living - Frequently Asked Questions

Sargodha is about 45% cheaper overall, especially in groceries, utilities, and leisure. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 48% lower in Sargodha. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $135 in Sargodha versus $495 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 95% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $523 per month in Sargodha versus $943 in Cebu – Sargodha is about 45% cheaper, which adds up to real savings over time.

At $523 in Sargodha versus $943 in Cebu, a $800 budget is realistic in Sargodha but tight or insufficient in Cebu. The gap between the two cities makes Sargodha the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Sargodha wins on affordability, Cebu on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.