Last update: Oct 2026

Cost of Living Comparison Between Terrassa and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,501 in Terrassa, rent and utilities included – about $7,000 less a year. Rent and utilities account for about half of the difference.

73

Cost of Living Index in Terrassa
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Terrassa Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Terrassa

🇪🇸 Spain

$1,501

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,501 in Terrassa versus $918 in Cebu.

Terrassa $1,501
Cebu $918

Estimated couple costs with rent: $2,308 in Terrassa versus $1,409 in Cebu.

Terrassa $2,308
Cebu $1,409

Monthly costs for a family of three with rent: $3,115 in Terrassa versus $1,900 in Cebu.

Terrassa $3,115
Cebu $1,900

Living in Terrassa is roughly 63% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Terrassa is 11% above, Cebu is 32% below.

Meal at Budget Restaurant

$14.65 €13.03

$3.09 ₱194

374.11%

Three-Course Dinner for Two, Mid-Range

$54.8 €48.73

$24.22 ₱1,525

126.22%

Fast Food Meal (McDonalds, etc)

$12.48 €11.10

$3.92 ₱247

218.37%

Cappuccino

$2.64 €2.35

$2.51 ₱158

5.18%

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

$2.30 €2.05

$1.59 ₱100

44.65%

Water (0.33 liter bottle)

$1.78 €1.58

$0.53 ₱33.43

235.85%

Local Beer (0.5 liter draught)

$3.29 €2.93

$1.78 ₱112

84.83%

Imported Beer (0.33 liter bottle)

$4.36 €3.88

$2.17 ₱137

100.92%

Milk (1 liter)

$1.13 €1.00

$1.92 ₱121

-41.15%

White Bread (500g)

$1.44 €1.28

$1.36 ₱85.4

5.88%

Rice (white) (1kg)

$1.76 €1.56

$1.01 ₱63.5

74.26%

Eggs

$3.81 €3.39

$2.03 ₱128

87.68%

Local Cheese (1kg)

$14.52 €12.92

$9.86 ₱621

47.26%

Chicken Fillets (1kg)

$9.19 €8.18

$4.39 ₱277

109.34%

Beef Round Steak (1kg)

$20.22 €17.98

$7.60 ₱479

166.05%

Apples (1kg)

$2.54 €2.26

$3.30 ₱208

-23.03%

Banana (1kg)

$1.99 €1.77

$1.39 ₱87.8

43.17%

Oranges (1kg)

$1.59 €1.41

$2.33 ₱147

-31.76%

Tomato (1kg)

$2.68 €2.38

$1.50 ₱94.3

78.67%

Potato (1kg)

$1.75 €1.56

$2.36 ₱149

-25.85%

Onion (1kg)

$1.92 €1.70

$1.90 ₱119

1.05%

Lettuce (1 head)

$1.45 €1.29

$1.19 ₱74.9

21.85%

Water (1.5 liter bottle)

$0.76 €0.68

$0.63 ₱39.71

20.63%

Cigarettes 20 Pack (Marlboro, Camel)

$6.78 €6.03

$3.00 ₱189

126.00%

Wine (Bottle)

$6.57 €5.84

$6.03 ₱379

8.96%

Local Beer (0.5 liter bottle)

$1.39 €1.24

$1.23 ₱77.7

13.01%

Imported Beer (0.33 liter bottle)

$2.37 €2.10

$1.75 ₱110

35.43%

One-way Ticket (Public Transport)

$1.64 €1.45

$0.25 ₱15.86

556.00%

Public Transport Monthly Pass (Regular Price)

$22.68 €20.18

$12.64 ₱796

79.43%

Taxi Start (Normal Tariff)

$3.13 €2.79

$0.77 ₱48.62

306.49%

Taxi (Normal Tariff) (1km)

$1.50 €1.33

$0.23 ₱14.53

552.17%

Taxi 1hour Waiting (Normal Tariff)

$14.21 €12.64

$4.46 ₱281

218.61%

Gasoline (1 liter)

$1.83 €1.63

$1.31 ₱82.8

39.69%

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

$34.5K €30.7K

$21.2K ₱1.3M

62.32%

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

$29.7K €26.4K

$19.1K ₱1.2M

55.08%

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

$115 €102

$120 ₱7,569

-4.28%

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

$13.64 €12.14

$14.00 ₱882

-2.57%

Internet (50+ Mbps, Unlimited Data)

$35.41 €31.50

$27.54 ₱1,734

28.58%

Gym Membership (Monthly)

$32.95 €29.31

$32.33 ₱2,035

1.92%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$10.44 €9.28

$5.65 ₱356

84.78%

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

$449 €400

$275 ₱17.3K

63.26%

International Primary School, 1 Child (Yearly)

$9,843 €8,755

$7,918 ₱498.5K

24.30%

Jeans (Levis 501 Or Similar)

$64.2 €57.1

$49.33 ₱3,106

30.10%

Summer Dress (H&M, Zara, etc)

$21.01 €18.69

$25.24 ₱1,589

-16.76%

Sport Shoes (Adidas, Nike)

$103 €91.4

$77.0 ₱4,846

33.48%

Men's Leather Business Shoes

$121 €107

$57.2 ₱3,601

111.10%

1-bedroom Apartment, City Center (Monthly)

$824 €733

$500 ₱31.5K

64.96%

1-bedroom Apartment, Outside City Center (Monthly)

$585 €520

$309 ₱19.4K

89.32%

3-bedroom Apartment, City Center (Monthly)

$1,106 €984

$1,078 ₱67.9K

2.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,012 €900

$615 ₱38.7K

64.41%

Buy Apartment in City Center (m2)

$2,837 €2,523

$2,886 ₱181.7K

-1.70%

Buy Apartment Outside City Center (m2)

$2,115 €1,881

$1,917 ₱120.7K

10.36%

Average Monthly Net Salary (After Tax)

$2,281 €2,029

$346 ₱21.8K

559.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

7.2

-54.17%

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

Last update for Terrassa: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Terrassa

$585 39%

Cebu

$309 33.6% 47.2% $276

Groceries & Markets

Terrassa

$291 19.4%

Cebu

$206 22.4% 29.3% $85

Eating Out

Terrassa

$228 15.2%

Cebu

$88 9.6% 61.3% $140

Monthly Utilities & Internet

Terrassa

$164 10.9%

Cebu

$162 17.6% 1.4% $2.4

Clothing & Footwear

Terrassa

$139 9.3%

Cebu

$94 10.2% 32.4% $45

Sport & Entertainment

Terrassa

$54 3.6%

Cebu

$44 4.8% 19% $10

Getting Around

Terrassa

$40 2.7%

Cebu

$16 1.7% 60.9% $24

Cost Breakdown

A one-bedroom apartment in the center runs $824 in Terrassa and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Terrassa pays 559% 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: $55.0 in Terrassa vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $291 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇪🇸 Terrassa

🇵🇭 Cebu

🕒 Local time

16:54 4:54 PM

22:54 10:54 PM

6 h ahead of Terrassa

🌤 Weather

👥 Population

225,277

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 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Terrassa Cebu 11,750 km ≈ 15 h nonstop flight

From you

Terrassa
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

Terrassa vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 63% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 559% higher in Terrassa, 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: $824 in Terrassa versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,501 per month in Terrassa versus $918 in Cebu – a 63% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 79% less than in Terrassa. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,501 in Terrassa, a $1,500 budget is realistic in Cebu but tight or insufficient in Terrassa. 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 Terrassa, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Terrassa 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 63% less than in Terrassa. Beyond cost, consider language, visa policies, and how big the international community is in each city.