Last update: Oct 2026

Cost of Living Comparison Between Sutomore and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,095 in Sutomore, rent and utilities included – about $2,200 less a year. The total is higher in Sutomore despite lower rent and utilities.

53

Cost of Living Index in Sutomore
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Sutomore Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Sutomore

🇲🇪 Montenegro

$1,095

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,095 in Sutomore versus $915 in Cebu.

Sutomore $1,095
Cebu $915

Estimated couple costs with rent: $1,682 in Sutomore versus $1,418 in Cebu.

Sutomore $1,682
Cebu $1,418

Monthly costs for a family of three with rent: $2,269 in Sutomore versus $1,921 in Cebu.

Sutomore $2,269
Cebu $1,921

Living in Sutomore is roughly 20% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Sutomore 19% lower, Cebu 33% lower.

Meal at Budget Restaurant

$11.24 €10.00

$3.05 ₱192

268.52%

Three-Course Dinner for Two, Mid-Range

$35.96 €31.99

$24.00 ₱1,511

49.83%

Fast Food Meal (McDonalds, etc)

$9.16 €8.14

$3.99 ₱251

129.57%

Cappuccino

$2.59 €2.30

$2.50 ₱157

3.60%

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

$2.20 €1.96

$1.54 ₱97.1

42.86%

Water (0.33 liter bottle)

$1.47 €1.31

$0.50 ₱31.37

194.00%

Local Beer (0.5 liter draught)

$2.85 €2.53

$1.78 ₱112

60.11%

Imported Beer (0.33 liter bottle)

$3.44 €3.06

$2.17 ₱136

58.53%

Milk (1 liter)

$1.19 €1.06

$2.00 ₱126

-40.50%

White Bread (500g)

$1.01 €0.90

$1.37 ₱86.2

-26.28%

Rice (white) (1kg)

$2.25 €2.00

$1.03 ₱64.9

118.45%

Eggs

$3.08 €2.74

$2.03 ₱128

51.72%

Local Cheese (1kg)

$8.77 €7.80

$10.20 ₱642

-14.02%

Chicken Fillets (1kg)

$7.55 €6.71

$4.45 ₱280

69.66%

Beef Round Steak (1kg)

$12.24 €10.89

$7.67 ₱483

59.58%

Apples (1kg)

$1.26 €1.12

$3.31 ₱208

-61.93%

Banana (1kg)

$1.49 €1.32

$1.46 ₱91.8

2.05%

Oranges (1kg)

$1.47 €1.31

$2.32 ₱146

-36.64%

Tomato (1kg)

$2.87 €2.56

$1.49 ₱94.0

92.62%

Potato (1kg)

$0.85 €0.75

$2.34 ₱147

-63.68%

Onion (1kg)

$1.09 €0.97

$1.94 ₱122

-43.81%

Lettuce (1 head)

$1.46 €1.30

$1.16 ₱73.0

25.86%

Water (1.5 liter bottle)

$0.89 €0.79

$0.68 ₱42.89

30.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.85 €3.42

$2.99 ₱188

28.76%

Wine (Bottle)

$4.56 €4.05

$6.24 ₱393

-26.92%

Local Beer (0.5 liter bottle)

$1.24 €1.10

$1.23 ₱77.3

0.81%

Imported Beer (0.33 liter bottle)

$1.68 €1.50

$1.73 ₱109

-2.89%

One-way Ticket (Public Transport)

$1.65 €1.47

$0.23 ₱14.36

617.39%

Public Transport Monthly Pass (Regular Price)

$38.44 €34.19

$12.34 ₱777

211.51%

Taxi Start (Normal Tariff)

$1.14 €1.01

$0.79 ₱49.96

44.30%

Taxi (Normal Tariff) (1km)

$1.14 €1.01

$0.22 ₱13.86

418.18%

Taxi 1hour Waiting (Normal Tariff)

$16.91 €15.04

$4.54 ₱286

272.47%

Gasoline (1 liter)

$1.77 €1.57

$1.32 ₱82.9

34.09%

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

$28.7K €25.5K

$21.0K ₱1.3M

36.69%

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

$21.3K €18.9K

$19.4K ₱1.2M

9.70%

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

$133 €118

$119 ₱7,464

11.81%

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

$13.19 €11.73

$14.22 ₱896

-7.24%

Internet (50+ Mbps, Unlimited Data)

$33.34 €29.65

$27.47 ₱1,730

21.37%

Gym Membership (Monthly)

$45.68 €40.63

$32.31 ₱2,034

41.38%

Tennis Court (1 Hour on Weekend)

$14.42 €12.83

$6.50 ₱409

121.85%

Cinema Ticket

$5.97 €5.31

$5.40 ₱340

10.56%

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

$395 €352

$276 ₱17.4K

43.22%

International Primary School, 1 Child (Yearly)

$6,959 €6,190

$7,866 ₱495.3K

-11.53%

Jeans (Levis 501 Or Similar)

$84.5 €75.2

$49.37 ₱3,108

71.18%

Summer Dress (H&M, Zara, etc)

$33.24 €29.56

$24.58 ₱1,548

35.23%

Sport Shoes (Adidas, Nike)

$72.2 €64.2

$76.6 ₱4,825

-5.79%

Men's Leather Business Shoes

$93.0 €82.8

$58.9 ₱3,706

58.07%

1-bedroom Apartment, City Center (Monthly)

$370 €329

$503 ₱31.7K

-26.52%

1-bedroom Apartment, Outside City Center (Monthly)

$275 €245

$305 ₱19.2K

-9.66%

3-bedroom Apartment, City Center (Monthly)

$559 €497

$1,075 ₱67.7K

-48.03%

3-bedroom Apartment, Outside City Center (Monthly)

$494 €439

$632 ₱39.8K

-21.92%

Buy Apartment in City Center (m2)

$3,356 €2,985

$2,870 ₱180.7K

16.93%

Buy Apartment Outside City Center (m2)

$2,300 €2,046

$1,877 ₱118.2K

22.53%

Average Monthly Net Salary (After Tax)

$669 €595

$336 ₱21.1K

99.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

-30.56%

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

Last update for Sutomore: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Sutomore

$275 25.1%

Cebu

$305 33.3% 10.7% $29

Groceries & Markets

Sutomore

$219 20%

Cebu

$210 22.9% 4.5% $9.8

Eating Out

Sutomore

$184 16.8%

Cebu

$88 9.6% 52.4% $97

Monthly Utilities & Internet

Sutomore

$179 16.4%

Cebu

$160 17.5% 10.5% $19

Clothing & Footwear

Sutomore

$127 11.6%

Cebu

$94 10.3% 26% $33

Sport & Entertainment

Sutomore

$58 5.3%

Cebu

$43 4.7% 25.2% $15

Getting Around

Sutomore

$52 4.7%

Cebu

$15 1.7% 70.8% $37

Cost Breakdown

A one-bedroom apartment in the center runs $370 in Sutomore and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Sutomore pays 99% 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: $36.00 in Sutomore vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $219 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇲🇪 Sutomore

🇵🇭 Cebu

🕒 Local time

23:46 11:46 PM

05:46 5:46 AM

6 h ahead of Sutomore

🌤 Weather

👥 Population

2,000

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

Sutomore Cebu 10,440 km ≈ 14 h nonstop flight

From you

Sutomore
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

Sutomore vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 20% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 99% higher in Sutomore, 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: $370 in Sutomore versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,095 per month in Sutomore versus $915 in Cebu – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 212% less than in Sutomore. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,095 in Sutomore, a $1,500 budget is realistic in Cebu but tight or insufficient in Sutomore. 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 Sutomore, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Sutomore 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 20% less than in Sutomore. Beyond cost, consider language, visa policies, and how big the international community is in each city.