Last update: Oct 2026

Cost of Living Comparison Between Settat and Cebu

For one person, living is cheaper in Settat: $647 a month against $918 in Cebu, rent and utilities included – about $3,300 less a year. Rent and utilities account for most of the difference.

31

Cost of Living Index in Settat
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Settat Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Settat

🇲🇦 Morocco

$647

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $647 in Settat versus $918 in Cebu.

Settat $647
Cebu $918

Estimated couple costs with rent: $1,028 in Settat versus $1,409 in Cebu.

Settat $1,028
Cebu $1,409

Monthly costs for a family of three with rent: $1,410 in Settat versus $1,900 in Cebu.

Settat $1,410
Cebu $1,900

Living in Settat costs roughly 30% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Settat 52% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.09 MAD 30.09

$3.09 ₱194

Three-Course Dinner for Two, Mid-Range

$30.63 MAD 299

$24.22 ₱1,525

26.47%

Fast Food Meal (McDonalds, etc)

$6.11 MAD 59.6

$3.92 ₱247

55.87%

Cappuccino

$1.11 MAD 10.84

$2.51 ₱158

-55.78%

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

$0.44 MAD 4.26

$1.59 ₱100

-72.33%

Water (0.33 liter bottle)

$0.32 MAD 3.07

$0.53 ₱33.43

-39.62%

Local Beer (0.5 liter draught)

$1.16 MAD 11.35

$1.78 ₱112

-34.83%

Imported Beer (0.33 liter bottle)

$1.48 MAD 14.43

$2.17 ₱137

-31.80%

Milk (1 liter)

$0.84 MAD 8.18

$1.92 ₱121

-56.25%

White Bread (500g)

$0.78 MAD 7.60

$1.36 ₱85.4

-42.65%

Rice (white) (1kg)

$1.51 MAD 14.74

$1.01 ₱63.5

49.50%

Eggs

$1.86 MAD 18.17

$2.03 ₱128

-8.37%

Local Cheese (1kg)

$7.85 MAD 76.5

$9.86 ₱621

-20.39%

Chicken Fillets (1kg)

$5.30 MAD 51.7

$4.39 ₱277

20.73%

Beef Round Steak (1kg)

$11.00 MAD 107

$7.60 ₱479

44.74%

Apples (1kg)

$1.59 MAD 15.46

$3.30 ₱208

-51.82%

Banana (1kg)

$1.34 MAD 13.02

$1.39 ₱87.8

-3.60%

Oranges (1kg)

$0.90 MAD 8.82

$2.33 ₱147

-61.37%

Tomato (1kg)

$0.77 MAD 7.49

$1.50 ₱94.3

-48.67%

Potato (1kg)

$0.66 MAD 6.43

$2.36 ₱149

-72.03%

Onion (1kg)

$0.79 MAD 7.68

$1.90 ₱119

-58.42%

Lettuce (1 head)

$0.24 MAD 2.34

$1.19 ₱74.9

-79.83%

Water (1.5 liter bottle)

$0.51 MAD 5.00

$0.63 ₱39.71

-19.05%

Cigarettes 20 Pack (Marlboro, Camel)

$4.08 MAD 39.78

$3.00 ₱189

36.00%

Wine (Bottle)

$7.58 MAD 73.9

$6.03 ₱379

25.70%

Local Beer (0.5 liter bottle)

$2.19 MAD 21.38

$1.23 ₱77.7

78.05%

Imported Beer (0.33 liter bottle)

$3.25 MAD 31.71

$1.75 ₱110

85.71%

One-way Ticket (Public Transport)

$0.50 MAD 4.91

$0.25 ₱15.86

100.00%

Public Transport Monthly Pass (Regular Price)

$20.93 MAD 204

$12.64 ₱796

65.59%

Taxi Start (Normal Tariff)

$0.73 MAD 7.08

$0.77 ₱48.62

-5.19%

Taxi (Normal Tariff) (1km)

$0.61 MAD 5.96

$0.23 ₱14.53

165.22%

Taxi 1hour Waiting (Normal Tariff)

$6.86 MAD 66.9

$4.46 ₱281

53.81%

Gasoline (1 liter)

$1.44 MAD 14.02

$1.31 ₱82.8

9.92%

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

$33.6K MAD 327.6K

$21.2K ₱1.3M

58.17%

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

$28.9K MAD 281.3K

$19.1K ₱1.2M

50.70%

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

$20.18 MAD 197

$120 ₱7,569

-83.22%

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

$5.04 MAD 49.17

$14.00 ₱882

-64.00%

Internet (50+ Mbps, Unlimited Data)

$36.13 MAD 352

$27.54 ₱1,734

31.19%

Gym Membership (Monthly)

$18.49 MAD 180

$32.33 ₱2,035

-42.81%

Tennis Court (1 Hour on Weekend)

$20.83 MAD 203

$6.65 ₱419

213.23%

Cinema Ticket

$6.11 MAD 59.5

$5.65 ₱356

8.14%

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

$95.5 MAD 931

$275 ₱17.3K

-65.31%

International Primary School, 1 Child (Yearly)

$8,175 MAD 79.7K

$7,918 ₱498.5K

3.24%

Jeans (Levis 501 Or Similar)

$30.99 MAD 302

$49.33 ₱3,106

-37.18%

Summer Dress (H&M, Zara, etc)

$44.10 MAD 430

$25.24 ₱1,589

74.72%

Sport Shoes (Adidas, Nike)

$81.3 MAD 793

$77.0 ₱4,846

5.68%

Men's Leather Business Shoes

$80.1 MAD 781

$57.2 ₱3,601

40.03%

1-bedroom Apartment, City Center (Monthly)

$270 MAD 2,631

$500 ₱31.5K

-45.97%

1-bedroom Apartment, Outside City Center (Monthly)

$174 MAD 1,694

$309 ₱19.4K

-43.74%

3-bedroom Apartment, City Center (Monthly)

$456 MAD 4,450

$1,078 ₱67.9K

-57.65%

3-bedroom Apartment, Outside City Center (Monthly)

$274 MAD 2,676

$615 ₱38.7K

-55.38%

Buy Apartment in City Center (m2)

$1,214 MAD 11.8K

$2,886 ₱181.7K

-57.94%

Buy Apartment Outside City Center (m2)

$851 MAD 8,299

$1,917 ₱120.7K

-55.59%

Average Monthly Net Salary (After Tax)

$204 MAD 1,990

$346 ₱21.8K

-41.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.5

7.2

-51.39%

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

Last update for Settat: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Settat

$179 27.8%

Cebu

$206 22.4% 14.7% $26

Accommodation & Living

Settat

$174 26.9%

Cebu

$309 33.6% 77.8% $135

Clothing & Footwear

Settat

$106 16.5%

Cebu

$94 10.2% 11.8% $13

Eating Out

Settat

$68 10.5%

Cebu

$88 9.6% 29.5% $20

Monthly Utilities & Internet

Settat

$61 9.5%

Cebu

$162 17.6% 164% $100

Sport & Entertainment

Settat

$31 4.8%

Cebu

$44 4.8% 42% $13

Getting Around

Settat

$27 4.1%

Cebu

$16 1.7% 41.8% $11

Cost Breakdown

A one-bedroom apartment in the center runs $270 in Settat and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 70% 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: $31.00 in Settat vs $24.00 in Cebu. Groceries flip the comparison at $179 vs $206, with Settat cheaper for home cooking.

Good to know

🇲🇦 Settat

🇵🇭 Cebu

🕒 Local time

07:24 7:24 AM

14:24 2:24 PM

7 h ahead of Settat

🌤 Weather

👥 Population

142,250

964,169

💱 Currency

Moroccan Dirham MAD د.م.

Philippine Peso PHP ₱

📈 Exchange rate

100 MAD = 10.26 USD

100 MAD = 9.12 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to MAD – Moroccan Dirham Converter

🇺🇸 United States Dollar ($)

🇲🇦 Moroccan Dirham (د.م.)

Moroccan Dirham exchange rates as of October 19, 2026: 1 USD = 9.75 MAD (1 MAD = 0.103 USD). 1 EUR = 10.96 MAD (100 MAD = 9.12 EUR).

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to MAD in detail →

On the map

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Between locations

Settat Cebu 12,980 km ≈ 17 h nonstop flight

From you

Settat
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

Settat vs Cebu: Cost of Living - Frequently Asked Questions

Settat is cheaper overall, especially in groceries, eating out, and utilities. The 42% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 70% lower in Cebu. 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: $270 in Settat versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $647 per month in Settat versus $918 in Cebu – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Settat runs roughly 66% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Settat gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Settat 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, Settat 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 Settat gentler on the wallet – expenses run 42% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.