Last update: Oct 2026

Cost of Living Comparison Between Tamworth and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,312 in Tamworth, rent and utilities included – about $16,700 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Tamworth
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Tamworth Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Tamworth

🇬🇧 United Kingdom

$2,312

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,312 in Tamworth versus $918 in Cebu.

Tamworth $2,312
Cebu $918

Estimated couple costs with rent: $3,400 in Tamworth versus $1,409 in Cebu.

Tamworth $3,400
Cebu $1,409

Monthly costs for a family of three with rent: $4,488 in Tamworth versus $1,900 in Cebu.

Tamworth $4,488
Cebu $1,900

Living in Tamworth is roughly 152% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Tamworth is 71% above, Cebu is 32% below.

Meal at Budget Restaurant

$21.77 £16.33

$3.09 ₱194

604.53%

Three-Course Dinner for Two, Mid-Range

$79.7 £59.8

$24.22 ₱1,525

229.03%

Fast Food Meal (McDonalds, etc)

$9.09 £6.82

$3.92 ₱247

131.89%

Cappuccino

$4.71 £3.53

$2.51 ₱158

87.65%

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

$2.39 £1.79

$1.59 ₱100

50.31%

Water (0.33 liter bottle)

$1.97 £1.48

$0.53 ₱33.43

271.70%

Local Beer (0.5 liter draught)

$6.44 £4.83

$1.78 ₱112

261.80%

Imported Beer (0.33 liter bottle)

$5.31 £3.99

$2.17 ₱137

144.70%

Milk (1 liter)

$1.64 £1.23

$1.92 ₱121

-14.58%

White Bread (500g)

$1.59 £1.20

$1.36 ₱85.4

16.91%

Rice (white) (1kg)

$2.17 £1.63

$1.01 ₱63.5

114.85%

Eggs

$3.88 £2.91

$2.03 ₱128

91.13%

Local Cheese (1kg)

$9.18 £6.89

$9.86 ₱621

-6.90%

Chicken Fillets (1kg)

$8.69 £6.52

$4.39 ₱277

97.95%

Beef Round Steak (1kg)

$14.30 £10.73

$7.60 ₱479

88.16%

Apples (1kg)

$2.50 £1.87

$3.30 ₱208

-24.24%

Banana (1kg)

$1.53 £1.15

$1.39 ₱87.8

10.07%

Oranges (1kg)

$2.41 £1.81

$2.33 ₱147

3.43%

Tomato (1kg)

$3.47 £2.60

$1.50 ₱94.3

131.33%

Potato (1kg)

$1.52 £1.14

$2.36 ₱149

-35.59%

Onion (1kg)

$1.56 £1.17

$1.90 ₱119

-17.89%

Lettuce (1 head)

$1.15 £0.86

$1.19 ₱74.9

-3.36%

Water (1.5 liter bottle)

$1.51 £1.14

$0.63 ₱39.71

139.68%

Cigarettes 20 Pack (Marlboro, Camel)

$21.03 £15.77

$3.00 ₱189

601.00%

Wine (Bottle)

$10.82 £8.12

$6.03 ₱379

79.44%

Local Beer (0.5 liter bottle)

$2.55 £1.91

$1.23 ₱77.7

107.32%

Imported Beer (0.33 liter bottle)

$3.17 £2.37

$1.75 ₱110

81.14%

One-way Ticket (Public Transport)

$3.37 £2.52

$0.25 ₱15.86

1248.00%

Public Transport Monthly Pass (Regular Price)

$96.7 £72.5

$12.64 ₱796

664.79%

Taxi Start (Normal Tariff)

$4.77 £3.58

$0.77 ₱48.62

519.48%

Taxi (Normal Tariff) (1km)

$2.42 £1.82

$0.23 ₱14.53

952.17%

Taxi 1hour Waiting (Normal Tariff)

$23.73 £17.80

$4.46 ₱281

432.06%

Gasoline (1 liter)

$2.02 £1.52

$1.31 ₱82.8

54.20%

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

$37.9K £28.5K

$21.2K ₱1.3M

78.55%

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

$40.8K £30.6K

$19.1K ₱1.2M

113.03%

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

$306 £229

$120 ₱7,569

154.29%

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

$15.94 £11.96

$14.00 ₱882

13.86%

Internet (50+ Mbps, Unlimited Data)

$45.79 £34.35

$27.54 ₱1,734

66.27%

Gym Membership (Monthly)

$36.00 £27.01

$32.33 ₱2,035

11.35%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$14.81 £11.11

$5.65 ₱356

162.12%

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

$1,259 £944

$275 ₱17.3K

357.22%

International Primary School, 1 Child (Yearly)

$23.9K £17.9K

$7,918 ₱498.5K

201.73%

Jeans (Levis 501 Or Similar)

$82.3 £61.7

$49.33 ₱3,106

66.82%

Summer Dress (H&M, Zara, etc)

$41.97 £31.49

$25.24 ₱1,589

66.28%

Sport Shoes (Adidas, Nike)

$108 £80.7

$77.0 ₱4,846

39.71%

Men's Leather Business Shoes

$105 £79.0

$57.2 ₱3,601

84.06%

1-bedroom Apartment, City Center (Monthly)

$1,242 £932

$500 ₱31.5K

148.57%

1-bedroom Apartment, Outside City Center (Monthly)

$992 £744

$309 ₱19.4K

221.16%

3-bedroom Apartment, City Center (Monthly)

$2,110 £1,583

$1,078 ₱67.9K

95.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,661 £1,246

$615 ₱38.7K

169.96%

Buy Apartment in City Center (m2)

$5,073 £3,806

$2,886 ₱181.7K

75.78%

Buy Apartment Outside City Center (m2)

$3,795 £2,847

$1,917 ₱120.7K

98.02%

Average Monthly Net Salary (After Tax)

$5,669 £4,253

$346 ₱21.8K

1538.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.1

7.2

-29.17%

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

Last update for Tamworth: 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

Tamworth

$992 42.9%

Cebu

$309 33.6% 68.9% $683

Monthly Utilities & Internet

Tamworth

$367 15.9%

Cebu

$162 17.6% 56% $206

Eating Out

Tamworth

$318 13.8%

Cebu

$88 9.6% 72.3% $230

Groceries & Markets

Tamworth

$290 12.6%

Cebu

$206 22.4% 29.1% $84

Clothing & Footwear

Tamworth

$152 6.6%

Cebu

$94 10.2% 38.1% $58

Getting Around

Tamworth

$127 5.5%

Cebu

$16 1.7% 87.7% $111

Sport & Entertainment

Tamworth

$66 2.8%

Cebu

$44 4.8% 33.5% $22

Cost Breakdown

A one-bedroom apartment in the center runs $1,242 in Tamworth and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Tamworth pays 1539% 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: $80.0 in Tamworth vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $290 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Tamworth

🇵🇭 Cebu

🕒 Local time

10:59 10:59 AM

17:59 5:59 PM

7 h ahead of Tamworth

🌤 Weather

👥 Population

81,964

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 19, 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 19, 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

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Between locations

Tamworth Cebu 11,330 km ≈ 15 h nonstop flight

From you

Tamworth
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

Tamworth vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 152% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1539% higher in Tamworth, 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: $1,242 in Tamworth versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,312 per month in Tamworth versus $918 in Cebu – a 152% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 665% less than in Tamworth. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,312 in Tamworth, a $1,500 budget is realistic in Cebu but tight or insufficient in Tamworth. 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 Tamworth, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Tamworth 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 152% less than in Tamworth. Beyond cost, consider language, visa policies, and how big the international community is in each city.