Last update: Oct 2026

Cost of Living Comparison Between St Lawrence and Cebu

For one person, living is cheaper in Cebu: $934 a month against $3,145 in St Lawrence, rent and utilities included – about $26,500 less a year. Rent and utilities account for most of the difference.

153

Cost of Living Index in St Lawrence
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St Lawrence Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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St Lawrence

🇯🇪 Jersey

$3,145

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,145 in St Lawrence versus $934 in Cebu.

St Lawrence $3,145
Cebu $934

Estimated couple costs with rent: $5,181 in St Lawrence versus $1,415 in Cebu.

St Lawrence $5,181
Cebu $1,415

Monthly costs for a family of three with rent: $7,217 in St Lawrence versus $1,896 in Cebu.

St Lawrence $7,217
Cebu $1,896

Living in St Lawrence is roughly 237% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: St Lawrence is 135% above, Cebu is 30% below.

Meal at Budget Restaurant

$39.08 JEP 29.59

$3.03 ₱190

1189.77%

Three-Course Dinner for Two, Mid-Range

$119 JEP 90.4

$23.48 ₱1,473

408.56%

Fast Food Meal (McDonalds, etc)

$10.76 JEP 8.14

$4.09 ₱256

163.08%

Cappuccino

$4.87 JEP 3.69

$2.52 ₱158

93.25%

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

$3.24 JEP 2.45

$1.54 ₱96.9

110.39%

Water (0.33 liter bottle)

$2.53 JEP 1.92

$0.49 ₱30.98

416.33%

Local Beer (0.5 liter draught)

$8.03 JEP 6.08

$1.79 ₱112

348.60%

Imported Beer (0.33 liter bottle)

$6.47 JEP 4.90

$2.26 ₱142

186.28%

Milk (1 liter)

$2.31 JEP 1.75

$1.95 ₱122

18.46%

White Bread (500g)

$2.81 JEP 2.13

$1.43 ₱89.7

96.50%

Rice (white) (1kg)

$2.52 JEP 1.91

$1.02 ₱63.8

147.06%

Eggs

$5.74 JEP 4.34

$2.06 ₱129

178.64%

Local Cheese (1kg)

$7.39 JEP 5.59

$9.81 ₱615

-24.67%

Chicken Fillets (1kg)

$12.14 JEP 9.19

$4.61 ₱289

163.34%

Beef Round Steak (1kg)

$18.11 JEP 13.71

$7.70 ₱483

135.19%

Apples (1kg)

$4.25 JEP 3.22

$3.31 ₱207

28.40%

Banana (1kg)

$3.44 JEP 2.60

$1.45 ₱90.9

137.24%

Oranges (1kg)

$4.17 JEP 3.16

$2.36 ₱148

76.69%

Tomato (1kg)

$4.51 JEP 3.41

$1.54 ₱96.4

192.86%

Potato (1kg)

$3.23 JEP 2.44

$2.36 ₱148

36.86%

Onion (1kg)

$3.13 JEP 2.37

$1.99 ₱125

57.29%

Lettuce (1 head)

$1.82 JEP 1.37

$1.15 ₱72.1

58.26%

Water (1.5 liter bottle)

$2.47 JEP 1.87

$0.67 ₱42.15

268.66%

Cigarettes 20 Pack (Marlboro, Camel)

$19.71 JEP 14.92

$3.00 ₱188

557.00%

Wine (Bottle)

$10.64 JEP 8.06

$6.35 ₱398

67.56%

Local Beer (0.5 liter bottle)

$4.59 JEP 3.47

$1.31 ₱81.9

250.38%

Imported Beer (0.33 liter bottle)

$7.81 JEP 5.91

$1.73 ₱108

351.45%

One-way Ticket (Public Transport)

$0.25 ₱15.78

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

Taxi Start (Normal Tariff)

$5.21 JEP 3.95

$0.74 ₱46.32

604.05%

Taxi (Normal Tariff) (1km)

$2.43 JEP 1.84

$0.21 ₱13.11

1057.14%

Taxi 1hour Waiting (Normal Tariff)

$53.5 JEP 40.52

$4.33 ₱271

1136.03%

Gasoline (1 liter)

$2.11 JEP 1.60

$1.33 ₱83.5

58.65%

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

$26.6K JEP 20.1K

$21.8K ₱1.4M

22.07%

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

$36.1K JEP 27.3K

$19.4K ₱1.2M

86.07%

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

$318 JEP 241

$121 ₱7,563

163.92%

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

$33.88 JEP 25.64

$14.45 ₱907

134.46%

Internet (50+ Mbps, Unlimited Data)

$72.3 JEP 54.8

$28.29 ₱1,774

155.67%

Gym Membership (Monthly)

$93.8 JEP 71.0

$32.68 ₱2,050

186.90%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

Cinema Ticket

$20.21 JEP 15.30

$5.46 ₱342

270.15%

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

$833 JEP 631

$273 ₱17.1K

204.67%

International Primary School, 1 Child (Yearly)

$12.0K JEP 9,107

$8,156 ₱511.5K

47.51%

Jeans (Levis 501 Or Similar)

$104 JEP 78.7

$49.57 ₱3,109

109.70%

Summer Dress (H&M, Zara, etc)

$72.8 JEP 55.1

$24.87 ₱1,560

192.72%

Sport Shoes (Adidas, Nike)

$120 JEP 90.6

$76.6 ₱4,804

56.31%

Men's Leather Business Shoes

$207 JEP 156

$59.3 ₱3,717

248.79%

1-bedroom Apartment, City Center (Monthly)

$1,749 JEP 1,324

$506 ₱31.7K

245.94%

1-bedroom Apartment, Outside City Center (Monthly)

$1,482 JEP 1,122

$309 ₱19.4K

379.08%

3-bedroom Apartment, City Center (Monthly)

$3,974 JEP 3,008

$1,052 ₱66.0K

277.86%

3-bedroom Apartment, Outside City Center (Monthly)

$3,325 JEP 2,517

$619 ₱38.8K

437.09%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

4.08

7.2

-43.33%

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

Last update for St Lawrence: 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 Lawrence

$1.5K 46.6%

Cebu

$309 33.5% 79.1% $1.2K

Eating Out

St Lawrence

$480 15.1%

Cebu

$88 9.6% 81.6% $391

Monthly Utilities & Internet

St Lawrence

$424 13.4%

Cebu

$163 17.7% 61.5% $261

Groceries & Markets

St Lawrence

$415 13.1%

Cebu

$210 22.7% 49.3% $205

Clothing & Footwear

St Lawrence

$226 7.1%

Cebu

$95 10.2% 58.2% $132

Sport & Entertainment

St Lawrence

$134 4.2%

Cebu

$44 4.7% 67.5% $91

Getting Around

St Lawrence

$17 * 0.6%

Cebu

$15 1.7% 11.1% $1.9

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 $1,749 in St Lawrence and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $119 in St Lawrence vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $415 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇯🇪 St Lawrence

🇵🇭 Cebu

🕒 Local time

07:17 7:17 AM

14:17 2:17 PM

7 h ahead of St Lawrence

🌤 Weather

👥 Population

5,500

964,169

💱 Currency

Jersey Pound JEP £

Philippine Peso PHP ₱

📈 Exchange rate

1 JEP = 1.32 USD

1 JEP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to JEP – Jersey Pound Converter

🇺🇸 United States Dollar ($)

🇯🇪 Jersey Pound (£)

Jersey Pound exchange rates as of October 10, 2026: 1 USD = 0.757 JEP (1 JEP = 1.32 USD). 1 EUR = 0.849 JEP (1 JEP = 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 JEP in detail →

On the map

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Highest

Between locations

St Lawrence Cebu 11,570 km ≈ 15 h nonstop flight

From you

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

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 237% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $4,717 in St Lawrence and $1,401 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,749 in St Lawrence versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 97% higher in St Lawrence. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,145 per month in St Lawrence versus $934 in Cebu – a 237% gap that adds up to real savings over time for anyone picking the cheaper option.

At $934 in Cebu versus $3,145 in St Lawrence, a $1,500 budget is realistic in Cebu but tight or insufficient in St Lawrence. 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 Lawrence, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, St Lawrence 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 237% less than in St Lawrence. Beyond cost, consider language, visa policies, and how big the international community is in each city.