Last update: Oct 2026

Cost of Living Comparison Between Steinkjer and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,773 in Steinkjer, rent and utilities included – about $22,300 less a year. Rent and utilities account for about half of the difference.

129

Cost of Living Index in Steinkjer
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Steinkjer Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Steinkjer

🇳🇴 Norway

$2,773

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,773 in Steinkjer versus $918 in Cebu.

Steinkjer $2,773
Cebu $918

Estimated couple costs with rent: $3,905 in Steinkjer versus $1,409 in Cebu.

Steinkjer $3,905
Cebu $1,409

Monthly costs for a family of three with rent: $5,037 in Steinkjer versus $1,900 in Cebu.

Steinkjer $5,037
Cebu $1,900

Living in Steinkjer is roughly 202% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Steinkjer is 105% above, Cebu is 32% below.

Meal at Budget Restaurant

$20.51 NOK 193

$3.09 ₱194

563.75%

Three-Course Dinner for Two, Mid-Range

$58.2 NOK 548

$24.22 ₱1,525

140.26%

Fast Food Meal (McDonalds, etc)

$13.52 NOK 127

$3.92 ₱247

244.90%

Cappuccino

$4.62 NOK 43.52

$2.51 ₱158

84.06%

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

$5.75 NOK 54.2

$1.59 ₱100

261.64%

Water (0.33 liter bottle)

$4.25 NOK 39.99

$0.53 ₱33.43

701.89%

Local Beer (0.5 liter draught)

$10.33 NOK 97.3

$1.78 ₱112

480.34%

Imported Beer (0.33 liter bottle)

$6.20 NOK 58.3

$2.17 ₱137

185.71%

Milk (1 liter)

$2.46 NOK 23.13

$1.92 ₱121

28.13%

White Bread (500g)

$3.46 NOK 32.61

$1.36 ₱85.4

154.41%

Rice (white) (1kg)

$3.60 NOK 33.88

$1.01 ₱63.5

256.44%

Eggs

$4.95 NOK 46.62

$2.03 ₱128

143.84%

Local Cheese (1kg)

$12.85 NOK 121

$9.86 ₱621

30.32%

Chicken Fillets (1kg)

$16.08 NOK 151

$4.39 ₱277

266.29%

Beef Round Steak (1kg)

$28.53 NOK 269

$7.60 ₱479

275.39%

Apples (1kg)

$3.91 NOK 36.76

$3.30 ₱208

18.48%

Banana (1kg)

$2.93 NOK 27.59

$1.39 ₱87.8

110.79%

Oranges (1kg)

$3.90 NOK 36.70

$2.33 ₱147

67.38%

Tomato (1kg)

$5.71 NOK 53.8

$1.50 ₱94.3

280.67%

Potato (1kg)

$2.89 NOK 27.18

$2.36 ₱149

22.46%

Onion (1kg)

$3.07 NOK 28.89

$1.90 ₱119

61.58%

Lettuce (1 head)

$2.78 NOK 26.17

$1.19 ₱74.9

133.61%

Water (1.5 liter bottle)

$2.23 NOK 20.96

$0.63 ₱39.71

253.97%

Cigarettes 20 Pack (Marlboro, Camel)

$17.67 NOK 166

$3.00 ₱189

489.00%

Wine (Bottle)

$18.14 NOK 171

$6.03 ₱379

200.83%

Local Beer (0.5 liter bottle)

$3.50 NOK 32.92

$1.23 ₱77.7

184.55%

Imported Beer (0.33 liter bottle)

$4.65 NOK 43.77

$1.75 ₱110

165.71%

One-way Ticket (Public Transport)

$4.21 NOK 39.65

$0.25 ₱15.86

1584.00%

Public Transport Monthly Pass (Regular Price)

$85.6 NOK 805

$12.64 ₱796

576.82%

Taxi Start (Normal Tariff)

$9.24 NOK 87.0

$0.77 ₱48.62

1100.00%

Taxi (Normal Tariff) (1km)

$1.61 NOK 15.17

$0.23 ₱14.53

600.00%

Taxi 1hour Waiting (Normal Tariff)

$58.4 NOK 550

$4.46 ₱281

1210.31%

Gasoline (1 liter)

$2.47 NOK 23.27

$1.31 ₱82.8

88.55%

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

$45.4K NOK 427.7K

$21.2K ₱1.3M

113.88%

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

$45.4K NOK 427.8K

$19.1K ₱1.2M

137.34%

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

$266 NOK 2,505

$120 ₱7,569

121.33%

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

$35.46 NOK 334

$14.00 ₱882

153.29%

Internet (50+ Mbps, Unlimited Data)

$81.8 NOK 770

$27.54 ₱1,734

197.17%

Gym Membership (Monthly)

$54.1 NOK 510

$32.33 ₱2,035

67.46%

Tennis Court (1 Hour on Weekend)

$41.52 NOK 391

$6.65 ₱419

524.36%

Cinema Ticket

$15.71 NOK 148

$5.65 ₱356

178.05%

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

$293 NOK 2,763

$275 ₱17.3K

6.59%

International Primary School, 1 Child (Yearly)

$4,447 NOK 41.9K

$7,918 ₱498.5K

-43.84%

Jeans (Levis 501 Or Similar)

$105 NOK 989

$49.33 ₱3,106

113.05%

Summer Dress (H&M, Zara, etc)

$51.2 NOK 482

$25.24 ₱1,589

102.65%

Sport Shoes (Adidas, Nike)

$118 NOK 1,109

$77.0 ₱4,846

53.11%

Men's Leather Business Shoes

$154 NOK 1,453

$57.2 ₱3,601

169.84%

1-bedroom Apartment, City Center (Monthly)

$1,200 NOK 11.3K

$500 ₱31.5K

140.18%

1-bedroom Apartment, Outside City Center (Monthly)

$1,133 NOK 10.7K

$309 ₱19.4K

266.83%

3-bedroom Apartment, City Center (Monthly)

$2,078 NOK 19.6K

$1,078 ₱67.9K

92.82%

3-bedroom Apartment, Outside City Center (Monthly)

$1,580 NOK 14.9K

$615 ₱38.7K

156.80%

Buy Apartment in City Center (m2)

$6,718 NOK 63.2K

$2,886 ₱181.7K

132.76%

Buy Apartment Outside City Center (m2)

$3,607 NOK 34.0K

$1,917 ₱120.7K

88.18%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.32

7.2

-26.11%

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

Last update for Steinkjer: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Steinkjer

$1.1K 40.9%

Cebu

$309 33.6% 72.7% $824

Groceries & Markets

Steinkjer

$495 17.9%

Cebu

$206 22.4% 58.4% $289

Monthly Utilities & Internet

Steinkjer

$383 13.8%

Cebu

$162 17.6% 57.8% $222

Eating Out

Steinkjer

$364 13.1%

Cebu

$88 9.6% 75.8% $276

Clothing & Footwear

Steinkjer

$193 7%

Cebu

$94 10.2% 51.3% $99

Getting Around

Steinkjer

$120 4.3%

Cebu

$16 1.7% 87% $104

Sport & Entertainment

Steinkjer

$86 3.1%

Cebu

$44 4.8% 49% $42

Cost Breakdown

A one-bedroom apartment in the center runs $1,200 in Steinkjer and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $58.0 in Steinkjer vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $495 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇳🇴 Steinkjer

🇵🇭 Cebu

🕒 Local time

17:32 5:32 PM

23:32 11:32 PM

6 h ahead of Steinkjer

🌤 Weather

👥 Population

24,066

964,169

💱 Currency

Norwegian Krone NOK kr

Philippine Peso PHP ₱

📈 Exchange rate

100 NOK = 10.62 USD

100 NOK = 9.45 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 17, 2026: 1 USD = 9.41 NOK (1 NOK = 0.106 USD). 1 EUR = 10.58 NOK (100 NOK = 9.45 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to NOK in detail →

On the map

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Between locations

Steinkjer Cebu 10,030 km ≈ 13 h nonstop flight

From you

Steinkjer
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

Steinkjer vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 202% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $4,160 in Steinkjer and $1,377 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: $1,200 in Steinkjer versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,773 per month in Steinkjer versus $918 in Cebu – a 202% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 577% less than in Steinkjer. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,773 in Steinkjer, a $1,500 budget is realistic in Cebu but tight or insufficient in Steinkjer. 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 Steinkjer, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Steinkjer 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 202% less than in Steinkjer. Beyond cost, consider language, visa policies, and how big the international community is in each city.