Last update: Oct 2026

Cost of Living Comparison Between Swindon and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,391 in Swindon, rent and utilities included – about $17,500 less a year. Rent and utilities account for most of the difference.

116

Cost of Living Index in Swindon
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Swindon Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Swindon

🇬🇧 United Kingdom

$2,391

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,391 in Swindon versus $934 in Cebu.

Swindon $2,391
Cebu $934

Estimated couple costs with rent: $3,423 in Swindon versus $1,415 in Cebu.

Swindon $3,423
Cebu $1,415

Monthly costs for a family of three with rent: $4,455 in Swindon versus $1,896 in Cebu.

Swindon $4,455
Cebu $1,896

Living in Swindon is roughly 156% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Swindon is 78% above, Cebu is 30% below.

Meal at Budget Restaurant

$20.32 £15.35

$3.03 ₱190

570.63%

Three-Course Dinner for Two, Mid-Range

$61.9 £46.77

$23.48 ₱1,473

163.59%

Fast Food Meal (McDonalds, etc)

$10.38 £7.85

$4.09 ₱256

153.79%

Cappuccino

$4.60 £3.48

$2.52 ₱158

82.54%

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

$2.67 £2.02

$1.54 ₱96.9

73.38%

Water (0.33 liter bottle)

$1.65 £1.25

$0.49 ₱30.98

236.73%

Local Beer (0.5 liter draught)

$5.43 £4.10

$1.79 ₱112

203.35%

Imported Beer (0.33 liter bottle)

$4.49 £3.39

$2.26 ₱142

98.67%

Milk (1 liter)

$1.51 £1.14

$1.95 ₱122

-22.56%

White Bread (500g)

$1.73 £1.30

$1.43 ₱89.7

20.98%

Rice (white) (1kg)

$1.87 £1.41

$1.02 ₱63.8

83.33%

Eggs

$4.21 £3.18

$2.06 ₱129

104.37%

Local Cheese (1kg)

$8.03 £6.07

$9.81 ₱615

-18.14%

Chicken Fillets (1kg)

$8.90 £6.73

$4.61 ₱289

93.06%

Beef Round Steak (1kg)

$13.22 £9.99

$7.70 ₱483

71.69%

Apples (1kg)

$3.07 £2.32

$3.31 ₱207

-7.25%

Banana (1kg)

$1.81 £1.37

$1.45 ₱90.9

24.83%

Oranges (1kg)

$2.61 £1.97

$2.36 ₱148

10.59%

Tomato (1kg)

$4.18 £3.16

$1.54 ₱96.4

171.43%

Potato (1kg)

$2.03 £1.54

$2.36 ₱148

-13.98%

Onion (1kg)

$1.49 £1.13

$1.99 ₱125

-25.13%

Lettuce (1 head)

$1.21 £0.91

$1.15 ₱72.1

5.22%

Water (1.5 liter bottle)

$1.76 £1.33

$0.67 ₱42.15

162.69%

Cigarettes 20 Pack (Marlboro, Camel)

$22.94 £17.34

$3.00 ₱188

664.67%

Wine (Bottle)

$10.70 £8.08

$6.35 ₱398

68.50%

Local Beer (0.5 liter bottle)

$2.75 £2.08

$1.31 ₱81.9

109.92%

Imported Beer (0.33 liter bottle)

$3.49 £2.64

$1.73 ₱108

101.73%

One-way Ticket (Public Transport)

$3.08 £2.33

$0.25 ₱15.78

1132.00%

Public Transport Monthly Pass (Regular Price)

$89.5 £67.6

$12.65 ₱793

607.27%

Taxi Start (Normal Tariff)

$3.39 £2.56

$0.74 ₱46.32

358.11%

Taxi (Normal Tariff) (1km)

$1.61 £1.21

$0.21 ₱13.11

666.67%

Taxi 1hour Waiting (Normal Tariff)

$21.70 £16.40

$4.33 ₱271

401.15%

Gasoline (1 liter)

$2.00 £1.51

$1.33 ₱83.5

50.38%

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

$37.7K £28.5K

$21.8K ₱1.4M

73.43%

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

$39.8K £30.1K

$19.4K ₱1.2M

105.23%

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

$323 £244

$121 ₱7,563

167.59%

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

$15.61 £11.80

$14.45 ₱907

8.03%

Internet (50+ Mbps, Unlimited Data)

$37.79 £28.56

$28.29 ₱1,774

33.58%

Gym Membership (Monthly)

$37.19 £28.10

$32.68 ₱2,050

13.80%

Tennis Court (1 Hour on Weekend)

$23.01 £17.39

$6.39 ₱401

260.09%

Cinema Ticket

$13.83 £10.45

$5.46 ₱342

153.30%

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

$1,180 £892

$273 ₱17.1K

331.63%

International Primary School, 1 Child (Yearly)

$5,414 £4,091

$8,156 ₱511.5K

-33.62%

Jeans (Levis 501 Or Similar)

$89.2 £67.4

$49.57 ₱3,109

79.93%

Summer Dress (H&M, Zara, etc)

$43.92 £33.19

$24.87 ₱1,560

76.60%

Sport Shoes (Adidas, Nike)

$83.6 £63.2

$76.6 ₱4,804

9.17%

Men's Leather Business Shoes

$87.5 £66.1

$59.3 ₱3,717

47.65%

1-bedroom Apartment, City Center (Monthly)

$1,215 £918

$506 ₱31.7K

140.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,124 £849

$309 ₱19.4K

263.12%

3-bedroom Apartment, City Center (Monthly)

$1,903 £1,438

$1,052 ₱66.0K

80.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,751 £1,323

$619 ₱38.8K

182.89%

Buy Apartment in City Center (m2)

$2,632 £1,989

$2,915 ₱182.9K

-9.74%

Buy Apartment Outside City Center (m2)

$3,012 £2,276

$1,867 ₱117.1K

61.31%

Average Monthly Net Salary (After Tax)

$2,941 £2,222

$341 ₱21.4K

762.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.87

7.2

-32.36%

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

Last update for Swindon: 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

Swindon

$1.1K 46.5%

Cebu

$309 33.5% 72.5% $814

Monthly Utilities & Internet

Swindon

$376 15.6%

Cebu

$163 17.7% 56.6% $213

Eating Out

Swindon

$302 12.5%

Cebu

$88 9.6% 70.8% $214

Groceries & Markets

Swindon

$300 12.4%

Cebu

$210 22.7% 29.8% $89

Clothing & Footwear

Swindon

$137 5.7%

Cebu

$95 10.2% 30.9% $42

Getting Around

Swindon

$113 4.7%

Cebu

$15 1.7% 86.4% $98

Sport & Entertainment

Swindon

$65 2.7%

Cebu

$44 4.7% 32.8% $21

Cost Breakdown

A one-bedroom apartment in the center runs $1,215 in Swindon and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Swindon pays 762% 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: $62.0 in Swindon vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $300 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Swindon

🇵🇭 Cebu

🕒 Local time

04:31 4:31 AM

11:31 11:31 AM

7 h ahead of Swindon

🌤 Weather

👥 Population

183,638

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 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 10, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.848 GBP (1 GBP = 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 GBP in detail →

On the map

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Between locations

Swindon Cebu 11,400 km ≈ 15 h nonstop flight

From you

Swindon
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

Swindon vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 156% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 762% higher in Swindon, 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: $1,215 in Swindon versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,391 per month in Swindon versus $934 in Cebu – a 156% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 607% less than in Swindon. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,391 in Swindon, a $1,500 budget is realistic in Cebu but tight or insufficient in Swindon. 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 Swindon, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Swindon 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 156% less than in Swindon. Beyond cost, consider language, visa policies, and how big the international community is in each city.