Last update: Oct 2026

Cost of Living Comparison Between Terracina and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,697 in Terracina, rent and utilities included – about $9,300 less a year. Rent and utilities account for about half of the difference.

82

Cost of Living Index in Terracina
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Terracina Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Terracina

🇮🇹 Italy

$1,697

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,697 in Terracina versus $918 in Cebu.

Terracina $1,697
Cebu $918

Estimated couple costs with rent: $2,654 in Terracina versus $1,409 in Cebu.

Terracina $2,654
Cebu $1,409

Monthly costs for a family of three with rent: $3,611 in Terracina versus $1,900 in Cebu.

Terracina $3,611
Cebu $1,900

Living in Terracina is roughly 85% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Terracina is 26% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.90 €15.03

$3.09 ₱194

446.93%

Three-Course Dinner for Two, Mid-Range

$90.1 €80.1

$24.22 ₱1,525

271.88%

Fast Food Meal (McDonalds, etc)

$11.24 €10.00

$3.92 ₱247

186.73%

Cappuccino

$1.54 €1.37

$2.51 ₱158

-38.65%

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

$2.17 €1.93

$1.59 ₱100

36.48%

Water (0.33 liter bottle)

$0.80 €0.72

$0.53 ₱33.43

50.94%

Local Beer (0.5 liter draught)

$5.62 €5.00

$1.78 ₱112

215.73%

Imported Beer (0.33 liter bottle)

$4.95 €4.40

$2.17 ₱137

128.11%

Milk (1 liter)

$1.55 €1.38

$1.92 ₱121

-19.27%

White Bread (500g)

$2.54 €2.26

$1.36 ₱85.4

86.76%

Rice (white) (1kg)

$3.08 €2.74

$1.01 ₱63.5

204.95%

Eggs

$3.47 €3.08

$2.03 ₱128

70.94%

Local Cheese (1kg)

$15.86 €14.11

$9.86 ₱621

60.85%

Chicken Fillets (1kg)

$12.13 €10.79

$4.39 ₱277

176.31%

Beef Round Steak (1kg)

$19.68 €17.50

$7.60 ₱479

158.95%

Apples (1kg)

$2.46 €2.18

$3.30 ₱208

-25.45%

Banana (1kg)

$2.27 €2.02

$1.39 ₱87.8

63.31%

Oranges (1kg)

$2.90 €2.58

$2.33 ₱147

24.46%

Tomato (1kg)

$3.18 €2.83

$1.50 ₱94.3

112.00%

Potato (1kg)

$2.07 €1.84

$2.36 ₱149

-12.29%

Onion (1kg)

$1.93 €1.72

$1.90 ₱119

1.58%

Lettuce (1 head)

$1.28 €1.14

$1.19 ₱74.9

7.56%

Water (1.5 liter bottle)

$0.47 €0.42

$0.63 ₱39.71

-25.40%

Cigarettes 20 Pack (Marlboro, Camel)

$6.64 €5.91

$3.00 ₱189

121.33%

Wine (Bottle)

$6.58 €5.86

$6.03 ₱379

9.12%

Local Beer (0.5 liter bottle)

$1.75 €1.55

$1.23 ₱77.7

42.28%

Imported Beer (0.33 liter bottle)

$2.00 €1.78

$1.75 ₱110

14.29%

One-way Ticket (Public Transport)

$1.71 €1.52

$0.25 ₱15.86

584.00%

Public Transport Monthly Pass (Regular Price)

$42.49 €37.79

$12.64 ₱796

236.16%

Taxi Start (Normal Tariff)

$6.08 €5.41

$0.77 ₱48.62

689.61%

Taxi (Normal Tariff) (1km)

$1.56 €1.39

$0.23 ₱14.53

578.26%

Taxi 1hour Waiting (Normal Tariff)

$26.54 €23.61

$4.46 ₱281

495.07%

Gasoline (1 liter)

$2.00 €1.78

$1.31 ₱82.8

52.67%

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

$34.1K €30.4K

$21.2K ₱1.3M

60.73%

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

$34.3K €30.5K

$19.1K ₱1.2M

78.91%

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

$219 €195

$120 ₱7,569

82.36%

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

$9.45 €8.41

$14.00 ₱882

-32.50%

Internet (50+ Mbps, Unlimited Data)

$28.36 €25.23

$27.54 ₱1,734

2.98%

Gym Membership (Monthly)

$54.4 €48.42

$32.33 ₱2,035

68.39%

Tennis Court (1 Hour on Weekend)

$23.92 €21.28

$6.65 ₱419

259.70%

Cinema Ticket

$10.63 €9.45

$5.65 ₱356

88.14%

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

$578 €514

$275 ₱17.3K

109.77%

International Primary School, 1 Child (Yearly)

$10.2K €9,116

$7,918 ₱498.5K

29.43%

Jeans (Levis 501 Or Similar)

$102 €90.5

$49.33 ₱3,106

106.16%

Summer Dress (H&M, Zara, etc)

$36.27 €32.26

$25.24 ₱1,589

43.70%

Sport Shoes (Adidas, Nike)

$96.1 €85.5

$77.0 ₱4,846

24.83%

Men's Leather Business Shoes

$129 €115

$57.2 ₱3,601

125.58%

1-bedroom Apartment, City Center (Monthly)

$738 €656

$500 ₱31.5K

47.70%

1-bedroom Apartment, Outside City Center (Monthly)

$566 €503

$309 ₱19.4K

83.26%

3-bedroom Apartment, City Center (Monthly)

$1,162 €1,034

$1,078 ₱67.9K

7.83%

3-bedroom Apartment, Outside City Center (Monthly)

$953 €848

$615 ₱38.7K

54.92%

Buy Apartment in City Center (m2)

$2,708 €2,408

$2,886 ₱181.7K

-6.18%

Buy Apartment Outside City Center (m2)

$2,157 €1,918

$1,917 ₱120.7K

12.53%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.33

7.2

-53.75%

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

Last update for Terracina: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Terracina

$566 33.3%

Cebu

$309 33.6% 45.4% $257

Groceries & Markets

Terracina

$334 19.7%

Cebu

$206 22.4% 38.5% $129

Monthly Utilities & Internet

Terracina

$257 15.2%

Cebu

$162 17.6% 37.1% $95

Eating Out

Terracina

$237 14%

Cebu

$88 9.6% 62.8% $149

Clothing & Footwear

Terracina

$163 9.6%

Cebu

$94 10.2% 42.5% $69

Sport & Entertainment

Terracina

$76 4.5%

Cebu

$44 4.8% 42.4% $32

Getting Around

Terracina

$63 3.7%

Cebu

$16 1.7% 75.4% $48

Cost Breakdown

A one-bedroom apartment in the center runs $738 in Terracina and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $90.0 in Terracina vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $334 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇮🇹 Terracina

🇵🇭 Cebu

🕒 Local time

10:30 10:30 AM

16:30 4:30 PM

6 h ahead of Terracina

🌤 Weather

👥 Population

46,033

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

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Between locations

Terracina Cebu 10,920 km ≈ 14 h nonstop flight

From you

Terracina
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

Terracina vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 85% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,546 in Terracina 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.

Rent for a central apartment: $738 in Terracina versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,697 per month in Terracina versus $918 in Cebu – a 85% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 236% less than in Terracina. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,697 in Terracina, a $1,500 budget is realistic in Cebu but tight or insufficient in Terracina. 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 Terracina, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Terracina 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 85% less than in Terracina. Beyond cost, consider language, visa policies, and how big the international community is in each city.