Last update: Oct 2026

Cost of Living Comparison Between Takamatsu and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,191 in Takamatsu, rent and utilities included – about $3,300 less a year. Other living expenses account for most of the difference.

57

Cost of Living Index in Takamatsu
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Takamatsu Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Takamatsu

🇯🇵 Japan

$1,191

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,191 in Takamatsu versus $915 in Cebu.

Takamatsu $1,191
Cebu $915

Estimated couple costs with rent: $1,881 in Takamatsu versus $1,418 in Cebu.

Takamatsu $1,881
Cebu $1,418

Monthly costs for a family of three with rent: $2,571 in Takamatsu versus $1,921 in Cebu.

Takamatsu $2,571
Cebu $1,921

Living in Takamatsu is roughly 30% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Takamatsu 12% lower, Cebu 33% lower.

Meal at Budget Restaurant

$6.20 ¥980

$3.05 ₱192

103.28%

Three-Course Dinner for Two, Mid-Range

$31.99 ¥5,054

$24.00 ₱1,511

33.29%

Fast Food Meal (McDonalds, etc)

$5.12 ¥809

$3.99 ₱251

28.32%

Cappuccino

$3.13 ¥495

$2.50 ₱157

25.20%

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

$1.19 ¥189

$1.54 ₱97.1

-22.73%

Water (0.33 liter bottle)

$0.80 ¥126

$0.50 ₱31.37

60.00%

Local Beer (0.5 liter draught)

$2.60 ¥410

$1.78 ₱112

46.07%

Imported Beer (0.33 liter bottle)

$3.22 ¥508

$2.17 ₱136

48.39%

Milk (1 liter)

$1.50 ¥238

$2.00 ₱126

-25.00%

White Bread (500g)

$1.60 ¥252

$1.37 ₱86.2

16.79%

Rice (white) (1kg)

$1.76 ¥278

$1.03 ₱64.9

70.87%

Eggs

$2.29 ¥361

$2.03 ₱128

12.81%

Local Cheese (1kg)

$10.37 ¥1,639

$10.20 ₱642

1.67%

Chicken Fillets (1kg)

$6.60 ¥1,043

$4.45 ₱280

48.31%

Beef Round Steak (1kg)

$16.83 ¥2,659

$7.67 ₱483

119.43%

Apples (1kg)

$3.69 ¥583

$3.31 ₱208

11.48%

Banana (1kg)

$2.28 ¥360

$1.46 ₱91.8

56.16%

Oranges (1kg)

$2.90 ¥458

$2.32 ₱146

25.00%

Tomato (1kg)

$4.24 ¥671

$1.49 ₱94.0

184.56%

Potato (1kg)

$2.48 ¥391

$2.34 ₱147

5.98%

Onion (1kg)

$2.46 ¥389

$1.94 ₱122

26.80%

Lettuce (1 head)

$1.27 ¥201

$1.16 ₱73.0

9.48%

Water (1.5 liter bottle)

$0.79 ¥124

$0.68 ₱42.89

16.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.67 ¥580

$2.99 ₱188

22.74%

Wine (Bottle)

$6.63 ¥1,048

$6.24 ₱393

6.25%

Local Beer (0.5 liter bottle)

$1.88 ¥298

$1.23 ₱77.3

52.85%

Imported Beer (0.33 liter bottle)

$2.11 ¥333

$1.73 ₱109

21.97%

One-way Ticket (Public Transport)

$1.46 ¥231

$0.23 ₱14.36

534.78%

Public Transport Monthly Pass (Regular Price)

$53.3 ¥8,414

$12.34 ₱777

331.60%

Taxi Start (Normal Tariff)

$3.18 ¥503

$0.79 ₱49.96

302.53%

Taxi (Normal Tariff) (1km)

$2.79 ¥442

$0.22 ₱13.86

1168.18%

Taxi 1hour Waiting (Normal Tariff)

$18.60 ¥2,938

$4.54 ₱286

309.69%

Gasoline (1 liter)

$1.06 ¥168

$1.32 ₱82.9

-19.70%

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

$21.5K ¥3.4M

$21.0K ₱1.3M

2.32%

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

$15.1K ¥2.4M

$19.4K ₱1.2M

-22.22%

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

$137 ¥21.6K

$119 ₱7,464

15.35%

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

$23.78 ¥3,757

$14.22 ₱896

67.23%

Internet (50+ Mbps, Unlimited Data)

$30.79 ¥4,865

$27.47 ₱1,730

12.09%

Gym Membership (Monthly)

$51.7 ¥8,161

$32.31 ₱2,034

59.89%

Tennis Court (1 Hour on Weekend)

$3.11 ¥491

$6.50 ₱409

-52.15%

Cinema Ticket

$11.79 ¥1,862

$5.40 ₱340

118.33%

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

$521 ¥82.3K

$276 ₱17.4K

88.65%

International Primary School, 1 Child (Yearly)

$12.7K ¥2.0M

$7,866 ₱495.3K

60.93%

Jeans (Levis 501 Or Similar)

$48.96 ¥7,736

$49.37 ₱3,108

-0.83%

Summer Dress (H&M, Zara, etc)

$31.24 ¥4,936

$24.58 ₱1,548

27.10%

Sport Shoes (Adidas, Nike)

$60.1 ¥9,499

$76.6 ₱4,825

-21.54%

Men's Leather Business Shoes

$90.5 ¥14.3K

$58.9 ₱3,706

53.81%

1-bedroom Apartment, City Center (Monthly)

$529 ¥83.6K

$503 ₱31.7K

5.07%

1-bedroom Apartment, Outside City Center (Monthly)

$334 ¥52.8K

$305 ₱19.2K

9.78%

3-bedroom Apartment, City Center (Monthly)

$1,089 ¥172.0K

$1,075 ₱67.7K

1.28%

3-bedroom Apartment, Outside City Center (Monthly)

$735 ¥116.1K

$632 ₱39.8K

16.23%

Buy Apartment in City Center (m2)

$4,144 ¥654.7K

$2,870 ₱180.7K

44.41%

Buy Apartment Outside City Center (m2)

$1,783 ¥281.6K

$1,877 ₱118.2K

-5.04%

Average Monthly Net Salary (After Tax)

$1,761 ¥278.1K

$336 ₱21.1K

424.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.21

7.2

-69.31%

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

Last update for Takamatsu: October 20, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Takamatsu

$334 28.1%

Cebu

$305 33.3% 8.9% $30

Groceries & Markets

Takamatsu

$280 23.5%

Cebu

$210 22.9% 25.3% $71

Monthly Utilities & Internet

Takamatsu

$191 16.1%

Cebu

$160 17.5% 16.2% $31

Eating Out

Takamatsu

$130 10.9%

Cebu

$88 9.6% 32.5% $42

Clothing & Footwear

Takamatsu

$104 8.7%

Cebu

$94 10.3% 9.3% $9.6

Getting Around

Takamatsu

$76 6.4%

Cebu

$15 1.7% 80.1% $61

Sport & Entertainment

Takamatsu

$75 6.3%

Cebu

$43 4.7% 42.7% $32

Cost Breakdown

A one-bedroom apartment in the center runs $529 in Takamatsu and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Takamatsu pays 424% 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: $32.00 in Takamatsu vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $280 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Takamatsu

🇵🇭 Cebu

🕒 Local time

12:30 12:30 PM

11:30 11:30 AM

1 h behind Takamatsu

🌤 Weather

👥 Population

426,514

964,169

💱 Currency

Japanese Yen JPY ¥

Philippine Peso PHP ₱

📈 Exchange rate

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to JPY – Japanese Yen Converter

🇺🇸 United States Dollar ($)

🇯🇵 Japanese Yen (¥)

Japanese Yen exchange rates as of October 21, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

Philippine Peso exchange rates as of October 21, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to JPY in detail →

On the map

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Between locations

Takamatsu Cebu 2,870 km ≈ 4 h nonstop flight

From you

Takamatsu
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

Takamatsu vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 30% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 424% higher in Takamatsu, 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: $529 in Takamatsu versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,191 per month in Takamatsu versus $915 in Cebu – a 30% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 332% less than in Takamatsu. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,191 in Takamatsu, a $1,500 budget is realistic in Cebu but tight or insufficient in Takamatsu. 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 Takamatsu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Takamatsu 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 30% less than in Takamatsu. Beyond cost, consider language, visa policies, and how big the international community is in each city.