Last update: Oct 2026

Cost of Living Comparison Between Segovia and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,570 in Segovia, rent and utilities included – about $7,800 less a year. Rent and utilities account for most of the difference.

77

Cost of Living Index in Segovia
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Segovia Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Segovia

🇪🇸 Spain

$1,570

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,570 in Segovia versus $918 in Cebu.

Segovia $1,570
Cebu $918

Estimated couple costs with rent: $2,297 in Segovia versus $1,409 in Cebu.

Segovia $2,297
Cebu $1,409

Monthly costs for a family of three with rent: $3,024 in Segovia versus $1,900 in Cebu.

Segovia $3,024
Cebu $1,900

Living in Segovia is roughly 71% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Segovia is 16% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.69 €14.85

$3.09 ₱194

440.13%

Three-Course Dinner for Two, Mid-Range

$47.17 €41.96

$24.22 ₱1,525

94.76%

Fast Food Meal (McDonalds, etc)

$11.09 €9.87

$3.92 ₱247

182.91%

Cappuccino

$2.07 €1.84

$2.51 ₱158

-17.53%

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

$2.40 €2.14

$1.59 ₱100

50.94%

Water (0.33 liter bottle)

$1.88 €1.68

$0.53 ₱33.43

254.72%

Local Beer (0.5 liter draught)

$3.36 €2.99

$1.78 ₱112

88.76%

Imported Beer (0.33 liter bottle)

$3.38 €3.00

$2.17 ₱137

55.76%

Milk (1 liter)

$1.15 €1.03

$1.92 ₱121

-40.10%

White Bread (500g)

$1.02 €0.90

$1.36 ₱85.4

-25.00%

Rice (white) (1kg)

$1.57 €1.40

$1.01 ₱63.5

55.45%

Eggs

$2.87 €2.56

$2.03 ₱128

41.38%

Local Cheese (1kg)

$15.47 €13.76

$9.86 ₱621

56.90%

Chicken Fillets (1kg)

$10.79 €9.59

$4.39 ₱277

145.79%

Beef Round Steak (1kg)

$22.63 €20.13

$7.60 ₱479

197.76%

Apples (1kg)

$2.81 €2.50

$3.30 ₱208

-14.85%

Banana (1kg)

$2.30 €2.05

$1.39 ₱87.8

65.47%

Oranges (1kg)

$2.25 €2.00

$2.33 ₱147

-3.43%

Tomato (1kg)

$2.20 €1.96

$1.50 ₱94.3

46.67%

Potato (1kg)

$2.06 €1.83

$2.36 ₱149

-12.71%

Onion (1kg)

$2.03 €1.80

$1.90 ₱119

6.84%

Lettuce (1 head)

$1.71 €1.52

$1.19 ₱74.9

43.70%

Water (1.5 liter bottle)

$0.56 €0.50

$0.63 ₱39.71

-11.11%

Cigarettes 20 Pack (Marlboro, Camel)

$6.08 €5.41

$3.00 ₱189

102.67%

Wine (Bottle)

$6.79 €6.04

$6.03 ₱379

12.60%

Local Beer (0.5 liter bottle)

$1.06 €0.94

$1.23 ₱77.7

-13.82%

Imported Beer (0.33 liter bottle)

$1.57 €1.40

$1.75 ₱110

-10.29%

One-way Ticket (Public Transport)

$1.14 €1.02

$0.25 ₱15.86

356.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$4.51 €4.01

$0.77 ₱48.62

485.71%

Taxi (Normal Tariff) (1km)

$2.20 €1.96

$0.23 ₱14.53

856.52%

Taxi 1hour Waiting (Normal Tariff)

$22.77 €20.26

$4.46 ₱281

410.54%

Gasoline (1 liter)

$1.78 €1.59

$1.31 ₱82.8

35.88%

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

$35.6K €31.6K

$21.2K ₱1.3M

67.41%

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

$29.0K €25.8K

$19.1K ₱1.2M

51.25%

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

$118 €105

$120 ₱7,569

-1.59%

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

$19.72 €17.54

$14.00 ₱882

40.86%

Internet (50+ Mbps, Unlimited Data)

$28.50 €25.35

$27.54 ₱1,734

3.49%

Gym Membership (Monthly)

$39.20 €34.86

$32.33 ₱2,035

21.25%

Tennis Court (1 Hour on Weekend)

$24.73 €22.00

$6.65 ₱419

271.88%

Cinema Ticket

$7.14 €6.35

$5.65 ₱356

26.37%

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

$177 €157

$275 ₱17.3K

-35.87%

International Primary School, 1 Child (Yearly)

$5,861 €5,213

$7,918 ₱498.5K

-25.99%

Jeans (Levis 501 Or Similar)

$73.0 €64.9

$49.33 ₱3,106

47.96%

Summer Dress (H&M, Zara, etc)

$35.53 €31.60

$25.24 ₱1,589

40.77%

Sport Shoes (Adidas, Nike)

$77.6 €69.1

$77.0 ₱4,846

0.86%

Men's Leather Business Shoes

$77.6 €69.1

$57.2 ₱3,601

35.72%

1-bedroom Apartment, City Center (Monthly)

$991 €882

$500 ₱31.5K

98.39%

1-bedroom Apartment, Outside City Center (Monthly)

$678 €603

$309 ₱19.4K

119.50%

3-bedroom Apartment, City Center (Monthly)

$1,570 €1,397

$1,078 ₱67.9K

45.70%

3-bedroom Apartment, Outside City Center (Monthly)

$969 €862

$615 ₱38.7K

57.52%

Buy Apartment in City Center (m2)

$4,423 €3,934

$2,886 ₱181.7K

53.25%

Buy Apartment Outside City Center (m2)

$2,245 €1,997

$1,917 ₱120.7K

17.16%

Average Monthly Net Salary (After Tax)

$1,793 €1,595

$346 ₱21.8K

418.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.08

7.2

-57.22%

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

Last update for Segovia: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Segovia

$678 43.2%

Cebu

$309 33.6% 54.4% $369

Groceries & Markets

Segovia

$301 19.2%

Cebu

$206 22.4% 31.7% $96

Eating Out

Segovia

$232 14.8%

Cebu

$88 9.6% 62% $144

Monthly Utilities & Internet

Segovia

$167 10.6%

Cebu

$162 17.6% 2.9% $4.8

Clothing & Footwear

Segovia

$119 7.6%

Cebu

$94 10.2% 20.9% $25

Sport & Entertainment

Segovia

$53 3.4%

Cebu

$44 4.8% 18.4% $9.9

Getting Around

Segovia

$20 * 1.3%

Cebu

$16 1.7% 22.4% $4.5

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 $991 in Segovia and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Segovia pays 418% 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: $47.00 in Segovia vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $301 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇪🇸 Segovia

🇵🇭 Cebu

🕒 Local time

17:54 5:54 PM

23:54 11:54 PM

6 h ahead of Segovia

🌤 Weather

👥 Population

51,011

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

Lowest

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Between locations

Segovia Cebu 12,220 km ≈ 16 h nonstop flight

From you

Segovia
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

Segovia vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 71% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 418% higher in Segovia, 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: $991 in Segovia versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 46% higher in Segovia. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,570 per month in Segovia versus $918 in Cebu – a 71% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,570 in Segovia, a $1,500 budget is realistic in Cebu but tight or insufficient in Segovia. 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 Segovia, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Segovia 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 71% less than in Segovia. Beyond cost, consider language, visa policies, and how big the international community is in each city.