Last update: Oct 2026

Cost of Living Comparison Between St Anne and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,145 in St Anne, rent and utilities included – about $2,500 less a year. The total is higher in St Anne despite lower rent and utilities.

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Cost of Living Index in Cebu
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Cebu Living Index

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St Anne

🇬🇬 Alderney

$1,145

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,145 in St Anne versus $934 in Cebu.

St Anne $1,145
Cebu $934

Estimated couple costs with rent: $2,750 in St Anne versus $1,415 in Cebu.

St Anne $2,750
Cebu $1,415

Monthly costs for a family of three with rent: $4,355 in St Anne versus $1,896 in Cebu.

St Anne $4,355
Cebu $1,896

Living in St Anne is roughly 23% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: St Anne 15% lower, Cebu 30% lower.

Meal at Budget Restaurant

$26.27 GGP 19.88

$3.03 ₱190

767.00%

Three-Course Dinner for Two, Mid-Range

$92.7 GGP 70.1

$23.48 ₱1,473

294.63%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

Cappuccino

$2.68 GGP 2.03

$2.52 ₱158

6.35%

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

$2.61 GGP 1.98

$1.54 ₱96.9

69.48%

Water (0.33 liter bottle)

$1.29 GGP 0.98

$0.49 ₱30.98

163.27%

Local Beer (0.5 liter draught)

$6.80 GGP 5.15

$1.79 ₱112

279.89%

Imported Beer (0.33 liter bottle)

$6.69 GGP 5.06

$2.26 ₱142

196.02%

Milk (1 liter)

$1.97 GGP 1.49

$1.95 ₱122

1.03%

White Bread (500g)

$2.17 GGP 1.65

$1.43 ₱89.7

51.75%

Rice (white) (1kg)

$2.40 GGP 1.82

$1.02 ₱63.8

135.29%

Eggs

$4.58 GGP 3.47

$2.06 ₱129

122.33%

Local Cheese (1kg)

$10.78 GGP 8.16

$9.81 ₱615

9.89%

Chicken Fillets (1kg)

$23.72 GGP 17.96

$4.61 ₱289

414.53%

Beef Round Steak (1kg)

$33.18 GGP 25.12

$7.70 ₱483

330.91%

Apples (1kg)

$4.69 GGP 3.55

$3.31 ₱207

41.69%

Banana (1kg)

$3.40 GGP 2.57

$1.45 ₱90.9

134.48%

Oranges (1kg)

$5.25 GGP 3.97

$2.36 ₱148

122.46%

Tomato (1kg)

$3.20 GGP 2.42

$1.54 ₱96.4

107.79%

Potato (1kg)

$1.29 GGP 0.98

$2.36 ₱148

-45.34%

Onion (1kg)

$4.35 GGP 3.30

$1.99 ₱125

118.59%

Lettuce (1 head)

$2.62 GGP 1.99

$1.15 ₱72.1

127.83%

Water (1.5 liter bottle)

$1.43 GGP 1.08

$0.67 ₱42.15

113.43%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

Wine (Bottle)

$15.86 GGP 12.01

$6.35 ₱398

149.76%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

Imported Beer (0.33 liter bottle)

$1.73 ₱108

One-way Ticket (Public Transport)

$0.25 ₱15.78

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)

$3.32 GGP 2.51

$1.33 ₱83.5

149.62%

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)

$261 GGP 198

$121 ₱7,563

116.84%

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

$27.03 GGP 20.46

$14.45 ₱907

87.06%

Internet (50+ Mbps, Unlimited Data)

$59.3 GGP 44.91

$28.29 ₱1,774

109.69%

Gym Membership (Monthly)

$13.35 GGP 10.11

$32.68 ₱2,050

-59.15%

Tennis Court (1 Hour on Weekend)

$6.79 GGP 5.14

$6.39 ₱401

6.26%

Cinema Ticket

$11.72 GGP 8.87

$5.46 ₱342

114.65%

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)

$1,072 GGP 812

$506 ₱31.7K

112.08%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,616 GGP 1,223

$1,052 ₱66.0K

53.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,560 GGP 1,181

$619 ₱38.8K

152.01%

Buy Apartment in City Center (m2)

$2,351 GGP 1,780

$2,915 ₱182.9K

-19.36%

Buy Apartment Outside City Center (m2)

$2,350 GGP 1,779

$1,867 ₱117.1K

25.88%

Average Monthly Net Salary (After Tax)

$2,022 GGP 1,531

$341 ₱21.4K

492.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.8

7.2

-19.44%

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

Last update for St Anne: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

St Anne

–

Cebu

$309 33.5%

Groceries & Markets

St Anne

–

Cebu

$210 22.7%

Monthly Utilities & Internet

St Anne

–

Cebu

$163 17.7%

Clothing & Footwear

St Anne

–

Cebu

$95 10.2%

Eating Out

St Anne

–

Cebu

$88 9.6%

Sport & Entertainment

St Anne

–

Cebu

$44 4.7%

Getting Around

St Anne

–

Cebu

$15 1.7%

Cost Breakdown

A one-bedroom apartment in the center runs $1,072 in St Anne and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

St Anne pays 493% 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: $93.0 in St Anne vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $473 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇬 St Anne

🇵🇭 Cebu

🕒 Local time

06:45 6:45 AM

13:45 1:45 PM

7 h ahead of St Anne

🌤 Weather

👥 Population

2,000

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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Between locations

St Anne Cebu 11,540 km ≈ 15 h nonstop flight

From you

St Anne
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 Anne vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and utilities. The 23% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 493% higher in St Anne, 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: $1,072 in St Anne versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 125% higher in St Anne. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cebu – a meal for two runs $23.00 versus $93.0 in St Anne. If you eat out regularly, this makes a real dent in your monthly spending.

At $934 in Cebu versus $1,145 in St Anne, a $1,500 budget is realistic in Cebu but tight or insufficient in St Anne. 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 Anne, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, St Anne 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 23% less than in St Anne. Beyond cost, consider language, visa policies, and how big the international community is in each city.