Last update: Oct 2026

Cost of Living Comparison Between Takoradi and Cebu

For one person, living is cheaper in Takoradi: $566 a month against $918 in Cebu, rent and utilities included – about $4,200 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

28

Cost of Living Index in Takoradi
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Takoradi Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Takoradi

🇬🇭 Ghana

$566

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $566 in Takoradi versus $918 in Cebu.

Takoradi $566
Cebu $918

Estimated couple costs with rent: $952 in Takoradi versus $1,409 in Cebu.

Takoradi $952
Cebu $1,409

Monthly costs for a family of three with rent: $1,338 in Takoradi versus $1,900 in Cebu.

Takoradi $1,338
Cebu $1,900

Living in Takoradi costs roughly 38% less than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Takoradi 58% lower, Cebu 32% lower.

Meal at Budget Restaurant

$8.11 GHS 94.3

$3.09 ₱194

162.46%

Three-Course Dinner for Two, Mid-Range

$50.1 GHS 583

$24.22 ₱1,525

107.02%

Fast Food Meal (McDonalds, etc)

$10.48 GHS 122

$3.92 ₱247

167.35%

Cappuccino

$4.38 GHS 50.9

$2.51 ₱158

74.50%

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

$1.60 GHS 18.64

$1.59 ₱100

0.63%

Water (0.33 liter bottle)

$0.44 GHS 5.14

$0.53 ₱33.43

-16.98%

Local Beer (0.5 liter draught)

$1.81 GHS 21.09

$1.78 ₱112

1.69%

Imported Beer (0.33 liter bottle)

$2.19 GHS 25.45

$2.17 ₱137

0.92%

Milk (1 liter)

$1.41 GHS 16.36

$1.92 ₱121

-26.56%

White Bread (500g)

$1.03 GHS 12.01

$1.36 ₱85.4

-24.26%

Rice (white) (1kg)

$1.73 GHS 20.10

$1.01 ₱63.5

71.29%

Eggs

$2.57 GHS 29.87

$2.03 ₱128

26.60%

Local Cheese (1kg)

$11.74 GHS 137

$9.86 ₱621

19.07%

Chicken Fillets (1kg)

$4.61 GHS 53.6

$4.39 ₱277

5.01%

Beef Round Steak (1kg)

$2.61 GHS 30.33

$7.60 ₱479

-65.66%

Apples (1kg)

$2.40 GHS 27.95

$3.30 ₱208

-27.27%

Banana (1kg)

$0.87 GHS 10.11

$1.39 ₱87.8

-37.41%

Oranges (1kg)

$1.05 GHS 12.21

$2.33 ₱147

-54.94%

Tomato (1kg)

$1.73 GHS 20.13

$1.50 ₱94.3

15.33%

Potato (1kg)

$2.27 GHS 26.36

$2.36 ₱149

-3.81%

Onion (1kg)

$1.86 GHS 21.65

$1.90 ₱119

-2.11%

Lettuce (1 head)

$0.74 GHS 8.56

$1.19 ₱74.9

-37.82%

Water (1.5 liter bottle)

$0.24 GHS 2.78

$0.63 ₱39.71

-61.90%

Cigarettes 20 Pack (Marlboro, Camel)

$2.53 GHS 29.47

$3.00 ₱189

-15.67%

Wine (Bottle)

$7.19 GHS 83.6

$6.03 ₱379

19.24%

Local Beer (0.5 liter bottle)

$0.31 GHS 3.64

$1.23 ₱77.7

-74.80%

Imported Beer (0.33 liter bottle)

$2.43 GHS 28.27

$1.75 ₱110

38.86%

One-way Ticket (Public Transport)

$0.25 ₱15.86

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$1.74 GHS 20.26

$0.77 ₱48.62

125.97%

Taxi (Normal Tariff) (1km)

$1.24 GHS 14.44

$0.23 ₱14.53

439.13%

Taxi 1hour Waiting (Normal Tariff)

$4.19 GHS 48.76

$4.46 ₱281

-6.05%

Gasoline (1 liter)

$1.35 GHS 15.76

$1.31 ₱82.8

3.05%

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

$7,998 GHS 93.0K

$21.2K ₱1.3M

-62.35%

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

$9,720 GHS 113.0K

$19.1K ₱1.2M

-49.23%

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

$72.3 GHS 841

$120 ₱7,569

-39.86%

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

$19.30 GHS 224

$14.00 ₱882

37.86%

Internet (50+ Mbps, Unlimited Data)

$41.81 GHS 486

$27.54 ₱1,734

51.82%

Gym Membership (Monthly)

$32.33 ₱2,035

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$12.67 GHS 147

$5.65 ₱356

124.25%

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

$463 GHS 5,389

$275 ₱17.3K

68.30%

International Primary School, 1 Child (Yearly)

$18.4K GHS 214.1K

$7,918 ₱498.5K

132.44%

Jeans (Levis 501 Or Similar)

$14.16 GHS 165

$49.33 ₱3,106

-71.30%

Summer Dress (H&M, Zara, etc)

$18.49 GHS 215

$25.24 ₱1,589

-26.74%

Sport Shoes (Adidas, Nike)

$36.33 GHS 422

$77.0 ₱4,846

-52.79%

Men's Leather Business Shoes

$51.7 GHS 601

$57.2 ₱3,601

-9.65%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

7.2

271.53%

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

Last update for Takoradi: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Takoradi

$175 30.9%

Cebu

$206 22.4% 17.7% $31

Eating Out

Takoradi

$170 30.1%

Cebu

$88 9.6% 48.2% $82

Monthly Utilities & Internet

Takoradi

$133 23.6%

Cebu

$162 17.6% 21.2% $28

Clothing & Footwear

Takoradi

$54 9.6%

Cebu

$94 10.2% 73% $40

Sport & Entertainment

Takoradi

$25 * 4.5%

Cebu

$44 4.8% 72.2% $18

Getting Around

Takoradi

$8 * 1.4%

Cebu

$16 1.7% 95.8% $7.6

Accommodation & Living

Takoradi

- * 0%

Cebu

$309 33.6%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $50.0 in Takoradi vs $24.00 in Cebu. Groceries flip the comparison at $175 vs $206, with Takoradi cheaper for home cooking.

Good to know

🇬🇭 Takoradi

🇵🇭 Cebu

🕒 Local time

19:51 7:51 PM

03:51 3:51 AM

8 h ahead of Takoradi

🌤 Weather

👥 Population

539,548

964,169

💱 Currency

Ghanaian Cedi GHS ₵

Philippine Peso PHP ₱

📈 Exchange rate

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 17, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.08 GHS (100 GHS = 7.65 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to GHS in detail →

On the map

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Highest

Between locations

Takoradi Cebu 13,770 km ≈ 18 h nonstop flight

From you

Takoradi
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

Takoradi vs Cebu: Cost of Living - Frequently Asked Questions

Takoradi is cheaper overall, especially in groceries, clothing, and leisure. The 62% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $850 in Takoradi and $1,377 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.

Supermarket bills run roughly 18% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $566 per month in Takoradi versus $918 in Cebu – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Takoradi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Takoradi 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, Takoradi 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 Takoradi gentler on the wallet – expenses run 62% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.