Cost of Living Comparison Between Subic Bay Freeport Zone and Cebu Cost of Living Comparison Between Subic Bay Freeport Zone and Cebu

Monthly Cost of Living

Monthly costs for one person with rent: $658 in Subic Bay Freeport Zone versus $931 in Cebu.

Estimated couple costs with rent: $1,006 in Subic Bay Freeport Zone versus $1,439 in Cebu.

Monthly costs for a family of three with rent: $1,353 in Subic Bay Freeport Zone versus $1,947 in Cebu.

Living in Subic Bay Freeport Zone costs roughly 29% less than in Cebu, driven mainly by Groceries & Markets.

Both cities sit below the global median: Subic Bay Freeport Zone 52% lower, Cebu 32% lower.

Meal at Budget Restaurant

$4.75 ₱298

$3.05 ₱191

55.74%

Three-Course Dinner for Two, Mid-Range

$14.45 ₱906

$23.09 ₱1,448

-37.42%

Fast Food Meal (McDonalds, etc)

$5.25 ₱329

$4.03 ₱253

30.27%

Cappuccino

$2.20 ₱138

$2.58 ₱162

-14.73%

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

$0.60 ₱37.36

$1.53 ₱95.9

-60.78%

Water (0.33 liter bottle)

$0.31 ₱19.45

$0.53 ₱33.31

-41.51%

Local Beer (0.5 liter draught)

$1.47 ₱92.1

$1.71 ₱107

-14.04%

Imported Beer (0.33 liter bottle)

$2.02 ₱127

$2.27 ₱143

-11.01%

Milk (1 liter)

$1.60 ₱101

$1.87 ₱118

-14.44%

White Bread (500g)

$1.18 ₱74.0

$1.34 ₱84.0

-11.94%

Rice (white) (1kg)

$1.06 ₱66.6

$1.02 ₱64.1

3.92%

Eggs

$1.94 ₱122

$1.96 ₱123

-1.02%

Local Cheese (1kg)

$4.57 ₱287

$9.93 ₱623

-53.98%

Chicken Fillets (1kg)

$3.71 ₱233

$4.58 ₱287

-19.00%

Beef Round Steak (1kg)

$6.39 ₱401

$7.45 ₱467

-14.23%

Apples (1kg)

$2.22 ₱139

$3.46 ₱217

-35.84%

Banana (1kg)

$1.56 ₱98.1

$1.45 ₱91.2

7.59%

Oranges (1kg)

$2.65 ₱166

$2.39 ₱150

10.88%

Tomato (1kg)

$1.18 ₱74.2

$1.55 ₱97.4

-23.87%

Potato (1kg)

$2.05 ₱128

$2.31 ₱145

-11.26%

Onion (1kg)

$2.16 ₱136

$1.88 ₱118

14.89%

Lettuce (1 head)

$0.75 ₱47.27

$1.23 ₱77.1

-39.02%

Water (1.5 liter bottle)

$0.60 ₱37.78

$0.62 ₱39.10

-3.23%

Cigarettes 20 Pack (Marlboro, Camel)

$2.92 ₱183

$3.01 ₱189

-2.99%

Wine (Bottle)

$8.02 ₱503

$6.13 ₱385

30.83%

Local Beer (0.5 liter bottle)

$0.97 ₱60.8

$1.29 ₱81.1

-24.81%

Imported Beer (0.33 liter bottle)

$1.90 ₱119

$1.70 ₱107

11.76%

One-way Ticket (Public Transport)

$0.20 ₱12.52

$0.25 ₱15.71

-20.00%

Public Transport Monthly Pass (Regular Price)

$9.83 ₱616

$12.35 ₱775

-20.40%

Taxi Start (Normal Tariff)

$0.81 ₱50.7

$0.79 ₱49.72

2.53%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.37

$0.20 ₱12.52

15.00%

Taxi 1hour Waiting (Normal Tariff)

$1.85 ₱116

$4.40 ₱276

-57.95%

Gasoline (1 liter)

$1.04 ₱65.2

$1.31 ₱82.1

-20.61%

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

$21.9K ₱1.4M

$21.6K ₱1.4M

1.29%

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

$16.7K ₱1.0M

$19.3K ₱1.2M

-13.42%

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

$141 ₱8,852

$122 ₱7,681

15.25%

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

$15.67 ₱983

$15.08 ₱946

3.91%

Internet (50+ Mbps, Unlimited Data)

$16.38 ₱1,028

$28.10 ₱1,762

-41.71%

Gym Membership (Monthly)

$30.31 ₱1,901

$31.67 ₱1,987

-4.29%

Tennis Court (1 Hour on Weekend)

$4.68 ₱293

$6.65 ₱417

-29.62%

Cinema Ticket

$5.09 ₱319

$5.40 ₱339

-5.74%

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

$129 ₱8,063

$278 ₱17.5K

-53.81%

International Primary School, 1 Child (Yearly)

$7,462 ₱468.0K

$7,849 ₱492.3K

-4.93%

Jeans (Levis 501 Or Similar)

$35.14 ₱2,204

$48.20 ₱3,023

-27.10%

Summer Dress (H&M, Zara, etc)

$19.42 ₱1,218

$25.32 ₱1,588

-23.30%

Sport Shoes (Adidas, Nike)

$63.3 ₱3,972

$76.3 ₱4,782

-16.96%

Men's Leather Business Shoes

$50.8 ₱3,187

$58.1 ₱3,643

-12.52%

1-bedroom Apartment, City Center (Monthly)

$128 ₱8,040

$489 ₱30.7K

-73.80%

1-bedroom Apartment, Outside City Center (Monthly)

$78.6 ₱4,931

$307 ₱19.3K

-74.40%

3-bedroom Apartment, City Center (Monthly)

$327 ₱20.5K

$1,075 ₱67.4K

-69.58%

3-bedroom Apartment, Outside City Center (Monthly)

$191 ₱12.0K

$636 ₱39.9K

-70.02%

Buy Apartment in City Center (m2)

$2,625 ₱164.6K

$2,871 ₱180.0K

-8.56%

Buy Apartment Outside City Center (m2)

$913 ₱57.3K

$1,912 ₱119.9K

-52.24%

Average Monthly Net Salary (After Tax)

$335 ₱21.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

7.2

-6.25%

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

Last update for Subic Bay Freeport Zone: September 14, 2026

Last update for Cebu: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $128 in Subic Bay Freeport Zone and $489 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $14.00 in Subic Bay Freeport Zone vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $174 vs $208 per month, with Subic Bay Freeport Zone cheaper across the board.

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

Subic Bay Freeport Zone vs Cebu: Cost of Living - Frequently Asked Questions

Subic Bay Freeport Zone is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 41% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $988 in Subic Bay Freeport Zone and $1,396 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: $128 in Subic Bay Freeport Zone versus $489 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $658 per month in Subic Bay Freeport Zone versus $931 in Cebu – a 41% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Subic Bay Freeport Zone runs roughly 26% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Subic Bay Freeport Zone gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Subic Bay Freeport Zone is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Subic Bay Freeport Zone 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 Subic Bay Freeport Zone gentler on the wallet – expenses run 41% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.