Last update: Oct 2026

Cost of Living Comparison Between St. Julians and Cebu

For one person, living is cheaper in Cebu: $915 a month against $2,257 in St. Julians, rent and utilities included – about $16,100 less a year. Rent and utilities account for most of the difference.

109

Cost of Living Index in St. Julians
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St. Julians Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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St. Julians

🇲🇹 Malta

$2,257

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,257 in St. Julians versus $915 in Cebu.

St. Julians $2,257
Cebu $915

Estimated couple costs with rent: $3,588 in St. Julians versus $1,418 in Cebu.

St. Julians $3,588
Cebu $1,418

Monthly costs for a family of three with rent: $4,919 in St. Julians versus $1,921 in Cebu.

St. Julians $4,919
Cebu $1,921

Living in St. Julians is roughly 147% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: St. Julians is 67% above, Cebu is 33% below.

Meal at Budget Restaurant

$20.12 €17.90

$3.05 ₱192

559.67%

Three-Course Dinner for Two, Mid-Range

$99.0 €88.1

$24.00 ₱1,511

312.46%

Fast Food Meal (McDonalds, etc)

$11.09 €9.87

$3.99 ₱251

177.94%

Cappuccino

$3.27 €2.91

$2.50 ₱157

30.80%

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

$3.06 €2.72

$1.54 ₱97.1

98.70%

Water (0.33 liter bottle)

$1.90 €1.69

$0.50 ₱31.37

280.00%

Local Beer (0.5 liter draught)

$4.57 €4.06

$1.78 ₱112

156.74%

Imported Beer (0.33 liter bottle)

$4.56 €4.06

$2.17 ₱136

110.14%

Milk (1 liter)

$1.24 €1.10

$2.00 ₱126

-38.00%

White Bread (500g)

$1.75 €1.56

$1.37 ₱86.2

27.74%

Rice (white) (1kg)

$3.38 €3.00

$1.03 ₱64.9

228.16%

Eggs

$4.54 €4.04

$2.03 ₱128

123.65%

Local Cheese (1kg)

$18.83 €16.75

$10.20 ₱642

84.61%

Chicken Fillets (1kg)

$10.64 €9.46

$4.45 ₱280

139.10%

Beef Round Steak (1kg)

$17.95 €15.97

$7.67 ₱483

134.03%

Apples (1kg)

$3.03 €2.70

$3.31 ₱208

-8.46%

Banana (1kg)

$2.05 €1.83

$1.46 ₱91.8

40.41%

Oranges (1kg)

$2.88 €2.56

$2.32 ₱146

24.14%

Tomato (1kg)

$3.99 €3.55

$1.49 ₱94.0

167.79%

Potato (1kg)

$2.43 €2.16

$2.34 ₱147

3.85%

Onion (1kg)

$2.39 €2.12

$1.94 ₱122

23.20%

Lettuce (1 head)

$1.91 €1.70

$1.16 ₱73.0

64.66%

Water (1.5 liter bottle)

$0.89 €0.79

$0.68 ₱42.89

30.88%

Cigarettes 20 Pack (Marlboro, Camel)

$6.77 €6.02

$2.99 ₱188

126.42%

Wine (Bottle)

$7.21 €6.42

$6.24 ₱393

15.54%

Local Beer (0.5 liter bottle)

$1.62 €1.44

$1.23 ₱77.3

31.71%

Imported Beer (0.33 liter bottle)

$2.35 €2.09

$1.73 ₱109

35.84%

One-way Ticket (Public Transport)

$2.55 €2.27

$0.23 ₱14.36

1008.70%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

Taxi Start (Normal Tariff)

$4.59 €4.09

$0.79 ₱49.96

481.01%

Taxi (Normal Tariff) (1km)

$1.65 €1.47

$0.22 ₱13.86

650.00%

Taxi 1hour Waiting (Normal Tariff)

$39.13 €34.80

$4.54 ₱286

761.89%

Gasoline (1 liter)

$1.54 €1.37

$1.32 ₱82.9

16.67%

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

$27.5K €24.5K

$21.0K ₱1.3M

30.96%

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

$39.5K €35.2K

$19.4K ₱1.2M

103.75%

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

$76.7 €68.2

$119 ₱7,464

-35.34%

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

$35.28 €31.38

$14.22 ₱896

148.10%

Internet (50+ Mbps, Unlimited Data)

$35.16 €31.27

$27.47 ₱1,730

27.99%

Gym Membership (Monthly)

$94.5 €84.1

$32.31 ₱2,034

192.54%

Tennis Court (1 Hour on Weekend)

$39.97 €35.56

$6.50 ₱409

514.92%

Cinema Ticket

$11.39 €10.13

$5.40 ₱340

110.93%

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

$618 €550

$276 ₱17.4K

123.94%

International Primary School, 1 Child (Yearly)

$13.9K €12.4K

$7,866 ₱495.3K

77.01%

Jeans (Levis 501 Or Similar)

$146 €130

$49.37 ₱3,108

195.81%

Summer Dress (H&M, Zara, etc)

$55.1 €49.02

$24.58 ₱1,548

124.21%

Sport Shoes (Adidas, Nike)

$121 €108

$76.6 ₱4,825

57.87%

Men's Leather Business Shoes

$164 €146

$58.9 ₱3,706

178.66%

1-bedroom Apartment, City Center (Monthly)

$1,391 €1,237

$503 ₱31.7K

176.25%

1-bedroom Apartment, Outside City Center (Monthly)

$1,124 €999

$305 ₱19.2K

269.00%

3-bedroom Apartment, City Center (Monthly)

$2,555 €2,273

$1,075 ₱67.7K

137.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 €1,816

$632 ₱39.8K

223.05%

Buy Apartment in City Center (m2)

$5,727 €5,094

$2,870 ₱180.7K

99.58%

Buy Apartment Outside City Center (m2)

$3,143 €2,796

$1,877 ₱118.2K

67.45%

Average Monthly Net Salary (After Tax)

$2,426 €2,158

$336 ₱21.1K

622.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.22

7.2

-55.28%

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

Last update for St. Julians: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

St. Julians

$1.1K 49.8%

Cebu

$305 33.3% 72.9% $819

Groceries & Markets

St. Julians

$342 15.1%

Cebu

$210 22.9% 38.7% $132

Eating Out

St. Julians

$285 12.6%

Cebu

$88 9.6% 69.2% $197

Clothing & Footwear

St. Julians

$219 9.7%

Cebu

$94 10.3% 56.9% $125

Monthly Utilities & Internet

St. Julians

$147 6.5%

Cebu

$160 17.5% 8.9% $13

Sport & Entertainment

St. Julians

$117 5.2%

Cebu

$43 4.7% 63.3% $74

Getting Around

St. Julians

$23 * 1%

Cebu

$15 1.7% 34.3% $7.9

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 $1,391 in St. Julians and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

St. Julians pays 622% 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: $99.0 in St. Julians vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $342 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇲🇹 St. Julians

🇵🇭 Cebu

🕒 Local time

22:36 10:36 PM

04:36 4:36 AM

6 h ahead of St. Julians

🌤 Weather

👥 Population

13,792

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 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 20, 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

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Between locations

St. Julians Cebu 11,030 km ≈ 14 h nonstop flight

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

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 147% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 622% higher in St. Julians, 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: $1,391 in St. Julians versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 63% higher in St. Julians. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,257 per month in St. Julians versus $915 in Cebu – a 147% gap that adds up to real savings over time for anyone picking the cheaper option.

At $915 in Cebu versus $2,257 in St. Julians, a $1,500 budget is realistic in Cebu but tight or insufficient in St. Julians. 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. Julians, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, St. Julians 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 147% less than in St. Julians. Beyond cost, consider language, visa policies, and how big the international community is in each city.