Last update: Oct 2026

Cost of Living Comparison Between St. Andrews and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,255 in St. Andrews, rent and utilities included – about $15,900 less a year. Rent and utilities account for most of the difference.

110

Cost of Living Index in St. Andrews
Learn more

St. Andrews Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

St. Andrews

🇬🇧 United Kingdom

$2,255

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,255 in St. Andrews versus $934 in Cebu.

St. Andrews $2,255
Cebu $934

Estimated couple costs with rent: $3,874 in St. Andrews versus $1,415 in Cebu.

St. Andrews $3,874
Cebu $1,415

Monthly costs for a family of three with rent: $5,492 in St. Andrews versus $1,896 in Cebu.

St. Andrews $5,492
Cebu $1,896

Living in St. Andrews is roughly 141% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: St. Andrews is 68% above, Cebu is 30% below.

Meal at Budget Restaurant

$21.47 £16.22

$3.03 ₱190

608.58%

Three-Course Dinner for Two, Mid-Range

$84.5 £63.9

$23.48 ₱1,473

259.84%

Fast Food Meal (McDonalds, etc)

$10.62 £8.03

$4.09 ₱256

159.66%

Cappuccino

$4.67 £3.53

$2.52 ₱158

85.32%

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

$2.81 £2.13

$1.54 ₱96.9

82.47%

Water (0.33 liter bottle)

$2.15 £1.63

$0.49 ₱30.98

338.78%

Local Beer (0.5 liter draught)

$6.51 £4.92

$1.79 ₱112

263.69%

Imported Beer (0.33 liter bottle)

$6.59 £4.98

$2.26 ₱142

191.59%

Milk (1 liter)

$1.57 £1.19

$1.95 ₱122

-19.49%

White Bread (500g)

$1.74 £1.31

$1.43 ₱89.7

21.68%

Rice (white) (1kg)

$2.02 £1.52

$1.02 ₱63.8

98.04%

Eggs

$4.45 £3.37

$2.06 ₱129

116.02%

Local Cheese (1kg)

$7.40 £5.59

$9.81 ₱615

-24.57%

Chicken Fillets (1kg)

$9.44 £7.13

$4.61 ₱289

104.77%

Beef Round Steak (1kg)

$15.43 £11.66

$7.70 ₱483

100.39%

Apples (1kg)

$2.44 £1.85

$3.31 ₱207

-26.28%

Banana (1kg)

$1.32 £1.00

$1.45 ₱90.9

-8.97%

Oranges (1kg)

$2.84 £2.14

$2.36 ₱148

20.34%

Tomato (1kg)

$2.85 £2.15

$1.54 ₱96.4

85.06%

Potato (1kg)

$1.76 £1.33

$2.36 ₱148

-25.42%

Onion (1kg)

$1.49 £1.13

$1.99 ₱125

-25.13%

Lettuce (1 head)

$1.25 £0.95

$1.15 ₱72.1

8.70%

Water (1.5 liter bottle)

$2.45 £1.85

$0.67 ₱42.15

265.67%

Cigarettes 20 Pack (Marlboro, Camel)

$22.65 £17.12

$3.00 ₱188

655.00%

Wine (Bottle)

$10.91 £8.25

$6.35 ₱398

71.81%

Local Beer (0.5 liter bottle)

$2.73 £2.06

$1.31 ₱81.9

108.40%

Imported Beer (0.33 liter bottle)

$3.01 £2.28

$1.73 ₱108

73.99%

One-way Ticket (Public Transport)

$4.65 £3.52

$0.25 ₱15.78

1760.00%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$3.95 £2.98

$0.74 ₱46.32

433.78%

Taxi (Normal Tariff) (1km)

$2.44 £1.84

$0.21 ₱13.11

1061.90%

Taxi 1hour Waiting (Normal Tariff)

$24.22 £18.30

$4.33 ₱271

459.35%

Gasoline (1 liter)

$2.09 £1.58

$1.33 ₱83.5

57.14%

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

$37.5K £28.4K

$21.8K ₱1.4M

72.37%

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

$41.2K £31.2K

$19.4K ₱1.2M

112.51%

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

$239 £180

$121 ₱7,563

98.06%

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

$12.98 £9.81

$14.45 ₱907

-10.17%

Internet (50+ Mbps, Unlimited Data)

$42.73 £32.29

$28.29 ₱1,774

51.04%

Gym Membership (Monthly)

$92.2 £69.7

$32.68 ₱2,050

182.22%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$13.16 £9.94

$5.46 ₱342

141.03%

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

$1,773 £1,340

$273 ₱17.1K

548.58%

International Primary School, 1 Child (Yearly)

$23.2K £17.6K

$8,156 ₱511.5K

184.76%

Jeans (Levis 501 Or Similar)

$94.7 £71.6

$49.57 ₱3,109

91.02%

Summer Dress (H&M, Zara, etc)

$48.10 £36.35

$24.87 ₱1,560

93.41%

Sport Shoes (Adidas, Nike)

$104 £78.7

$76.6 ₱4,804

36.00%

Men's Leather Business Shoes

$87.5 £66.1

$59.3 ₱3,717

47.65%

1-bedroom Apartment, City Center (Monthly)

$1,354 £1,023

$506 ₱31.7K

167.69%

1-bedroom Apartment, Outside City Center (Monthly)

$1,028 £777

$309 ₱19.4K

232.38%

3-bedroom Apartment, City Center (Monthly)

$3,082 £2,329

$1,052 ₱66.0K

193.04%

3-bedroom Apartment, Outside City Center (Monthly)

$2,706 £2,045

$619 ₱38.8K

337.13%

Buy Apartment in City Center (m2)

$6,113 £4,620

$2,915 ₱182.9K

109.68%

Buy Apartment Outside City Center (m2)

$2,693 £2,035

$1,867 ₱117.1K

44.24%

Average Monthly Net Salary (After Tax)

$3,284 £2,482

$341 ₱21.4K

862.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.41

7.2

-24.86%

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

Last update for St. Andrews: October 6, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

St. Andrews

$1K 45.6%

Cebu

$309 33.5% 69.9% $719

Eating Out

St. Andrews

$325 14.4%

Cebu

$88 9.6% 72.8% $237

Groceries & Markets

St. Andrews

$305 13.5%

Cebu

$210 22.7% 30.9% $94

Monthly Utilities & Internet

St. Andrews

$295 13.1%

Cebu

$163 17.7% 44.5% $131

Clothing & Footwear

St. Andrews

$151 6.7%

Cebu

$95 10.2% 37.1% $56

Sport & Entertainment

St. Andrews

$119 5.3%

Cebu

$44 4.7% 63.2% $75

Getting Around

St. Andrews

$35 * 1.5%

Cebu

$15 1.7% 55.6% $19

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 $1,354 in St. Andrews and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

St. Andrews pays 863% 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: $84.0 in St. Andrews vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $305 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 St. Andrews

🇵🇭 Cebu

🕒 Local time

02:05 2:05 AM

09:05 9:05 AM

7 h ahead of St. Andrews

🌤 Weather

👥 Population

16,460

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 10, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.848 GBP (1 GBP = 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 GBP in detail →

On the map

Lowest

Highest

Between locations

St. Andrews Cebu 11,140 km ≈ 14 h nonstop flight

From you

St. Andrews
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

St. Andrews vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 141% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 863% higher in St. Andrews, 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: $1,354 in St. Andrews versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 45% higher in St. Andrews. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,255 per month in St. Andrews versus $934 in Cebu – a 141% gap that adds up to real savings over time for anyone picking the cheaper option.

At $934 in Cebu versus $2,255 in St. Andrews, a $1,500 budget is realistic in Cebu but tight or insufficient in St. Andrews. 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 St. Andrews, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, St. Andrews 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 141% less than in St. Andrews. Beyond cost, consider language, visa policies, and how big the international community is in each city.