Last update: Oct 2026

Cost of Living Comparison Between Sark and Cebu

For one person, living is cheaper in Sark: $238 a month against $934 in Cebu, rent and utilities included – about $8,400 less a year. Rent and utilities account for most of the difference.

32

Cost of Living Index in Sark
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Sark Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Sark

🇬🇬 Guernsey

$238

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $238 in Sark versus $934 in Cebu.

Sark $238
Cebu $934

Estimated couple costs with rent: $405 in Sark versus $1,415 in Cebu.

Sark $405
Cebu $1,415

Monthly costs for a family of three with rent: $573 in Sark versus $1,896 in Cebu.

Sark $573
Cebu $1,896

Living in Sark costs roughly 75% less than in Cebu, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Sark 82% lower, Cebu 30% lower.

Meal at Budget Restaurant

$3.03 ₱190

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

Cappuccino

$2.52 ₱158

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

$1.54 ₱96.9

Water (0.33 liter bottle)

$0.49 ₱30.98

Local Beer (0.5 liter draught)

$1.79 ₱112

Imported Beer (0.33 liter bottle)

$2.26 ₱142

Milk (1 liter)

$2.77 GGP 2.10

$1.95 ₱122

42.05%

White Bread (500g)

$1.43 ₱89.7

Rice (white) (1kg)

$1.02 ₱63.8

Eggs

$6.95 GGP 5.26

$2.06 ₱129

237.38%

Local Cheese (1kg)

$9.81 ₱615

Chicken Fillets (1kg)

$4.61 ₱289

Beef Round Steak (1kg)

$7.70 ₱483

Apples (1kg)

$5.08 GGP 3.84

$3.31 ₱207

53.47%

Banana (1kg)

$4.60 GGP 3.48

$1.45 ₱90.9

217.24%

Oranges (1kg)

$3.77 GGP 2.86

$2.36 ₱148

59.75%

Tomato (1kg)

$5.90 GGP 4.47

$1.54 ₱96.4

283.12%

Potato (1kg)

$3.02 GGP 2.29

$2.36 ₱148

27.97%

Onion (1kg)

$3.25 GGP 2.46

$1.99 ₱125

63.32%

Lettuce (1 head)

$3.53 GGP 2.67

$1.15 ₱72.1

206.96%

Water (1.5 liter bottle)

$1.96 GGP 1.48

$0.67 ₱42.15

192.54%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$6.35 ₱398

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

Imported Beer (0.33 liter bottle)

$1.73 ₱108

One-way Ticket (Public Transport)

$2.37 GGP 1.79

$0.25 ₱15.78

848.00%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$0.74 ₱46.32

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

Gasoline (1 liter)

$1.33 ₱83.5

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

$21.8K ₱1.4M

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

$19.4K ₱1.2M

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

$121 ₱7,563

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

$21.08 GGP 15.96

$14.45 ₱907

45.88%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

Gym Membership (Monthly)

$32.68 ₱2,050

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$5.46 ₱342

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

$273 ₱17.1K

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

Men's Leather Business Shoes

$59.3 ₱3,717

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

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

Last update for Sark: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Groceries & Markets

Sark

$206 * 87.1%

Cebu

$210 22.7% 2% $4.1

Monthly Utilities & Internet

Sark

$21 * 8.9%

Cebu

$163 17.7% 675% $142

Getting Around

Sark

$9.5 * 4%

Cebu

$15 1.7% 62.9% $6

Eating Out

Sark

- * 0%

Cebu

$88 9.6%

Sport & Entertainment

Sark

- * 0%

Cebu

$44 4.7%

Clothing & Footwear

Sark

- * 0%

Cebu

$95 10.2%

Accommodation & Living

Sark

- * 0%

Cebu

$309 33.5%

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

Good to know

🇬🇬 Sark

🇵🇭 Cebu

🕒 Local time

05:02 5:02 AM

12:02 12:02 PM

7 h ahead of Sark

🌤 Weather

👥 Population

562

964,169

💱 Currency

Guernsey Pound GGP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GGP = 1.32 USD

1 GGP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to GGP – Guernsey Pound Converter

🇺🇸 United States Dollar ($)

🇬🇬 Guernsey Pound (£)

Guernsey Pound exchange rates as of October 10, 2026: 1 USD = 0.757 GGP (1 GGP = 1.32 USD). 1 EUR = 0.849 GGP (1 GGP = 1.18 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to GGP in detail →

On the map

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Highest

Between locations

Sark Cebu 11,580 km ≈ 15 h nonstop flight

From you

Sark
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

Sark vs Cebu: Cost of Living - Frequently Asked Questions

Sark is cheaper overall, especially in groceries, utilities, and transport. The 293% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $357 in Sark and $1,401 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 2% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $238 per month in Sark versus $934 in Cebu – a 293% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Sark gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Sark 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, Sark 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 Sark gentler on the wallet – expenses run 293% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.