Last update: Oct 2026

Cost of Living Comparison Between Surrey and Cebu

For one person, living is cheaper in Cebu: $918 a month against $3,046 in Surrey, rent and utilities included – about $25,500 less a year. Rent and utilities account for most of the difference.

148

Cost of Living Index in Surrey
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Surrey Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Surrey

🇬🇧 United Kingdom

$3,046

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,046 in Surrey versus $918 in Cebu.

Surrey $3,046
Cebu $918

Estimated couple costs with rent: $4,410 in Surrey versus $1,409 in Cebu.

Surrey $4,410
Cebu $1,409

Monthly costs for a family of three with rent: $5,774 in Surrey versus $1,900 in Cebu.

Surrey $5,774
Cebu $1,900

Living in Surrey is roughly 232% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Surrey is 126% above, Cebu is 32% below.

Meal at Budget Restaurant

$23.47 £17.61

$3.09 ₱194

659.55%

Three-Course Dinner for Two, Mid-Range

$59.1 £44.34

$24.22 ₱1,525

144.01%

Fast Food Meal (McDonalds, etc)

$9.11 £6.83

$3.92 ₱247

132.40%

Cappuccino

$4.77 £3.58

$2.51 ₱158

90.04%

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

$2.23 £1.67

$1.59 ₱100

40.25%

Water (0.33 liter bottle)

$1.44 £1.08

$0.53 ₱33.43

171.70%

Local Beer (0.5 liter draught)

$6.78 £5.09

$1.78 ₱112

280.90%

Imported Beer (0.33 liter bottle)

$6.00 £4.50

$2.17 ₱137

176.50%

Milk (1 liter)

$1.25 £0.94

$1.92 ₱121

-34.90%

White Bread (500g)

$2.12 £1.59

$1.36 ₱85.4

55.88%

Rice (white) (1kg)

$1.51 £1.13

$1.01 ₱63.5

49.50%

Eggs

$4.18 £3.14

$2.03 ₱128

105.91%

Local Cheese (1kg)

$8.19 £6.14

$9.86 ₱621

-16.94%

Chicken Fillets (1kg)

$8.90 £6.68

$4.39 ₱277

102.73%

Beef Round Steak (1kg)

$16.11 £12.09

$7.60 ₱479

111.97%

Apples (1kg)

$3.13 £2.34

$3.30 ₱208

-5.15%

Banana (1kg)

$1.47 £1.10

$1.39 ₱87.8

5.76%

Oranges (1kg)

$1.96 £1.47

$2.33 ₱147

-15.88%

Tomato (1kg)

$3.32 £2.49

$1.50 ₱94.3

121.33%

Potato (1kg)

$1.38 £1.04

$2.36 ₱149

-41.53%

Onion (1kg)

$1.83 £1.37

$1.90 ₱119

-3.68%

Lettuce (1 head)

$1.37 £1.03

$1.19 ₱74.9

15.13%

Water (1.5 liter bottle)

$1.20 £0.90

$0.63 ₱39.71

90.48%

Cigarettes 20 Pack (Marlboro, Camel)

$23.12 £17.34

$3.00 ₱189

670.67%

Wine (Bottle)

$10.78 £8.09

$6.03 ₱379

78.77%

Local Beer (0.5 liter bottle)

$2.30 £1.73

$1.23 ₱77.7

86.99%

Imported Beer (0.33 liter bottle)

$2.46 £1.84

$1.75 ₱110

40.57%

One-way Ticket (Public Transport)

$3.99 £2.99

$0.25 ₱15.86

1496.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$5.35 £4.02

$0.77 ₱48.62

594.81%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

Gasoline (1 liter)

$1.88 £1.41

$1.31 ₱82.8

43.51%

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

$38.6K £29.0K

$21.2K ₱1.3M

81.77%

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

$39.9K £29.9K

$19.1K ₱1.2M

108.45%

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

$260 £195

$120 ₱7,569

116.01%

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

$13.15 £9.87

$14.00 ₱882

-6.07%

Internet (50+ Mbps, Unlimited Data)

$34.58 £25.94

$27.54 ₱1,734

25.56%

Gym Membership (Monthly)

$53.6 £40.20

$32.33 ₱2,035

65.73%

Tennis Court (1 Hour on Weekend)

$18.26 £13.70

$6.65 ₱419

174.59%

Cinema Ticket

$13.17 £9.88

$5.65 ₱356

133.10%

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

$2,125 £1,594

$275 ₱17.3K

671.98%

International Primary School, 1 Child (Yearly)

$29.3K £22.0K

$7,918 ₱498.5K

269.72%

Jeans (Levis 501 Or Similar)

$52.5 £39.41

$49.33 ₱3,106

6.49%

Summer Dress (H&M, Zara, etc)

$39.35 £29.52

$25.24 ₱1,589

55.90%

Sport Shoes (Adidas, Nike)

$88.8 £66.6

$77.0 ₱4,846

15.41%

Men's Leather Business Shoes

$92.6 £69.5

$57.2 ₱3,601

61.84%

1-bedroom Apartment, City Center (Monthly)

$1,925 £1,444

$500 ₱31.5K

285.32%

1-bedroom Apartment, Outside City Center (Monthly)

$1,893 £1,420

$309 ₱19.4K

513.03%

3-bedroom Apartment, City Center (Monthly)

$3,350 £2,513

$1,078 ₱67.9K

210.78%

3-bedroom Apartment, Outside City Center (Monthly)

$3,303 £2,478

$615 ₱38.7K

436.95%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$7,198 £5,400

$1,917 ₱120.7K

275.57%

Average Monthly Net Salary (After Tax)

$4,519 £3,390

$346 ₱21.8K

1206.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.4

7.2

-25.00%

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

Last update for Surrey: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Surrey

$1.9K 62.2%

Cebu

$309 33.6% 83.7% $1.6K

Eating Out

Surrey

$333 10.9%

Cebu

$88 9.6% 73.5% $245

Monthly Utilities & Internet

Surrey

$307 10.1%

Cebu

$162 17.6% 47.4% $146

Groceries & Markets

Surrey

$289 9.5%

Cebu

$206 22.4% 28.7% $83

Clothing & Footwear

Surrey

$123 4%

Cebu

$94 10.2% 23.6% $29

Sport & Entertainment

Surrey

$80 2.6%

Cebu

$44 4.8% 45.4% $36

Getting Around

Surrey

$21 * 0.7%

Cebu

$16 1.7% 27% $5.8

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 $1,925 in Surrey and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Surrey pays 1206% 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: $59.0 in Surrey vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $289 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Surrey

🇵🇭 Cebu

🕒 Local time

04:24 4:24 AM

11:24 11:24 AM

7 h ahead of Surrey

🌤 Weather

👥 Population

585

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 18, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to GBP in detail →

On the map

Lowest

Highest

Between locations

Surrey Cebu 11,340 km ≈ 15 h nonstop flight

From you

Surrey
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

Surrey vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 232% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1206% higher in Surrey, 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: $1,925 in Surrey versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 40% higher in Surrey. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,046 per month in Surrey versus $918 in Cebu – a 232% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $3,046 in Surrey, a $1,500 budget is realistic in Cebu but tight or insufficient in Surrey. 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 Surrey, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Surrey 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 232% less than in Surrey. Beyond cost, consider language, visa policies, and how big the international community is in each city.