Last update: Oct 2026

Cost of Living Comparison Between Temara and Cebu

For one person, living is cheaper in Temara: $746 a month against $915 in Cebu, rent and utilities included – about $2,000 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

36

Cost of Living Index in Temara
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Temara Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Temara

🇲🇦 Morocco

$746

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $746 in Temara versus $915 in Cebu.

Temara $746
Cebu $915

Estimated couple costs with rent: $1,155 in Temara versus $1,418 in Cebu.

Temara $1,155
Cebu $1,418

Monthly costs for a family of three with rent: $1,563 in Temara versus $1,921 in Cebu.

Temara $1,563
Cebu $1,921

Living in Temara costs roughly 18% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Temara 45% lower, Cebu 33% lower.

Meal at Budget Restaurant

$4.19 MAD 40.85

$3.05 ₱192

37.38%

Three-Course Dinner for Two, Mid-Range

$30.65 MAD 299

$24.00 ₱1,511

27.71%

Fast Food Meal (McDonalds, etc)

$6.02 MAD 58.7

$3.99 ₱251

50.88%

Cappuccino

$1.97 MAD 19.20

$2.50 ₱157

-21.20%

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

$0.53 MAD 5.17

$1.54 ₱97.1

-65.58%

Water (0.33 liter bottle)

$0.34 MAD 3.30

$0.50 ₱31.37

-32.00%

Local Beer (0.5 liter draught)

$5.27 MAD 51.4

$1.78 ₱112

196.07%

Imported Beer (0.33 liter bottle)

$3.10 MAD 30.26

$2.17 ₱136

42.86%

Milk (1 liter)

$0.82 MAD 7.98

$2.00 ₱126

-59.00%

White Bread (500g)

$0.74 MAD 7.26

$1.37 ₱86.2

-45.99%

Rice (white) (1kg)

$1.50 MAD 14.64

$1.03 ₱64.9

45.63%

Eggs

$1.96 MAD 19.07

$2.03 ₱128

-3.45%

Local Cheese (1kg)

$9.40 MAD 91.6

$10.20 ₱642

-7.84%

Chicken Fillets (1kg)

$5.27 MAD 51.4

$4.45 ₱280

18.43%

Beef Round Steak (1kg)

$11.29 MAD 110

$7.67 ₱483

47.20%

Apples (1kg)

$1.63 MAD 15.89

$3.31 ₱208

-50.76%

Banana (1kg)

$1.42 MAD 13.84

$1.46 ₱91.8

-2.74%

Oranges (1kg)

$0.84 MAD 8.16

$2.32 ₱146

-63.79%

Tomato (1kg)

$0.83 MAD 8.08

$1.49 ₱94.0

-44.30%

Potato (1kg)

$0.68 MAD 6.59

$2.34 ₱147

-70.94%

Onion (1kg)

$0.74 MAD 7.23

$1.94 ₱122

-61.86%

Lettuce (1 head)

$0.25 MAD 2.41

$1.16 ₱73.0

-78.45%

Water (1.5 liter bottle)

$0.60 MAD 5.89

$0.68 ₱42.89

-11.76%

Cigarettes 20 Pack (Marlboro, Camel)

$4.13 MAD 40.25

$2.99 ₱188

38.13%

Wine (Bottle)

$7.64 MAD 74.5

$6.24 ₱393

22.44%

Local Beer (0.5 liter bottle)

$2.23 MAD 21.70

$1.23 ₱77.3

81.30%

Imported Beer (0.33 liter bottle)

$2.57 MAD 25.11

$1.73 ₱109

48.55%

One-way Ticket (Public Transport)

$0.56 MAD 5.43

$0.23 ₱14.36

143.48%

Public Transport Monthly Pass (Regular Price)

$24.58 MAD 240

$12.34 ₱777

99.19%

Taxi Start (Normal Tariff)

$0.80 MAD 7.76

$0.79 ₱49.96

1.27%

Taxi (Normal Tariff) (1km)

$0.75 MAD 7.30

$0.22 ₱13.86

240.91%

Taxi 1hour Waiting (Normal Tariff)

$4.11 MAD 40.03

$4.54 ₱286

-9.47%

Gasoline (1 liter)

$1.56 MAD 15.21

$1.32 ₱82.9

18.18%

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

$30.6K MAD 298.5K

$21.0K ₱1.3M

45.74%

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

$30.8K MAD 300.0K

$19.4K ₱1.2M

58.60%

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

$34.74 MAD 339

$119 ₱7,464

-70.70%

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

$9.99 MAD 97.4

$14.22 ₱896

-29.75%

Internet (50+ Mbps, Unlimited Data)

$36.70 MAD 358

$27.47 ₱1,730

33.60%

Gym Membership (Monthly)

$23.17 MAD 226

$32.31 ₱2,034

-28.29%

Tennis Court (1 Hour on Weekend)

$5.23 MAD 51.0

$6.50 ₱409

-19.54%

Cinema Ticket

$6.25 MAD 60.9

$5.40 ₱340

15.74%

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

$112 MAD 1,094

$276 ₱17.4K

-59.34%

International Primary School, 1 Child (Yearly)

$8,278 MAD 80.7K

$7,866 ₱495.3K

5.24%

Jeans (Levis 501 Or Similar)

$31.91 MAD 311

$49.37 ₱3,108

-35.37%

Summer Dress (H&M, Zara, etc)

$44.34 MAD 432

$24.58 ₱1,548

80.39%

Sport Shoes (Adidas, Nike)

$81.6 MAD 796

$76.6 ₱4,825

6.47%

Men's Leather Business Shoes

$81.8 MAD 797

$58.9 ₱3,706

38.94%

1-bedroom Apartment, City Center (Monthly)

$259 MAD 2,529

$503 ₱31.7K

-48.48%

1-bedroom Apartment, Outside City Center (Monthly)

$194 MAD 1,887

$305 ₱19.2K

-36.46%

3-bedroom Apartment, City Center (Monthly)

$406 MAD 3,955

$1,075 ₱67.7K

-62.25%

3-bedroom Apartment, Outside City Center (Monthly)

$302 MAD 2,941

$632 ₱39.8K

-52.28%

Buy Apartment in City Center (m2)

$1,180 MAD 11.5K

$2,870 ₱180.7K

-58.87%

Buy Apartment Outside City Center (m2)

$935 MAD 9,119

$1,877 ₱118.2K

-50.18%

Average Monthly Net Salary (After Tax)

$233 MAD 2,273

$336 ₱21.1K

-30.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.5

7.2

-37.50%

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

Last update for Temara: October 17, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Temara

$194 25.9%

Cebu

$305 33.3% 57.4% $111

Groceries & Markets

Temara

$185 24.8%

Cebu

$210 22.9% 13.1% $24

Eating Out

Temara

$111 14.9%

Cebu

$88 9.6% 21.1% $23

Clothing & Footwear

Temara

$108 14.5%

Cebu

$94 10.3% 12.6% $14

Monthly Utilities & Internet

Temara

$81 10.9%

Cebu

$160 17.5% 96.8% $79

Sport & Entertainment

Temara

$36 4.8%

Cebu

$43 4.7% 20.9% $7.4

Getting Around

Temara

$31 4.2%

Cebu

$15 1.7% 51.7% $16

Cost Breakdown

A one-bedroom apartment in the center runs $259 in Temara and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays 44% 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: $31.00 in Temara vs $24.00 in Cebu. Groceries flip the comparison at $185 vs $210, with Temara cheaper for home cooking.

Good to know

🇲🇦 Temara

🇵🇭 Cebu

🕒 Local time

20:48 8:48 PM

03:48 3:48 AM

7 h ahead of Temara

🌤 Weather

👥 Population

313,510

964,169

💱 Currency

Moroccan Dirham MAD د.م.

Philippine Peso PHP ₱

📈 Exchange rate

100 MAD = 10.26 USD

100 MAD = 9.12 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to MAD – Moroccan Dirham Converter

🇺🇸 United States Dollar ($)

🇲🇦 Moroccan Dirham (د.م.)

Moroccan Dirham exchange rates as of October 20, 2026: 1 USD = 9.75 MAD (1 MAD = 0.103 USD). 1 EUR = 10.96 MAD (100 MAD = 9.12 EUR).

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 MAD in detail →

On the map

Lowest

Highest

Between locations

Temara Cebu 12,870 km ≈ 17 h nonstop flight

From you

Temara
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

Temara vs Cebu: Cost of Living - Frequently Asked Questions

Temara is cheaper overall, especially in groceries and leisure. The 23% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 44% lower in Cebu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $259 in Temara versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $746 per month in Temara versus $915 in Cebu – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Temara runs roughly 99% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Temara gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Temara 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, Temara 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 Temara gentler on the wallet – expenses run 23% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.