Last update: Oct 2026

Cost of Living Comparison Between Tervuren and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,015 in Tervuren, rent and utilities included – about $13,200 less a year. Rent and utilities account for most of the difference.

98

Cost of Living Index in Tervuren
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Tervuren Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Tervuren

🇧🇪 Belgium

$2,015

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,015 in Tervuren versus $918 in Cebu.

Tervuren $2,015
Cebu $918

Estimated couple costs with rent: $2,954 in Tervuren versus $1,409 in Cebu.

Tervuren $2,954
Cebu $1,409

Monthly costs for a family of three with rent: $3,893 in Tervuren versus $1,900 in Cebu.

Tervuren $3,893
Cebu $1,900

Living in Tervuren is roughly 120% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Tervuren is 49% above, Cebu is 32% below.

Meal at Budget Restaurant

$22.06 €19.69

$3.09 ₱194

613.92%

Three-Course Dinner for Two, Mid-Range

$79.5 €70.9

$24.22 ₱1,520

228.16%

Fast Food Meal (McDonalds, etc)

$11.20 €10.00

$3.92 ₱246

185.71%

Cappuccino

$4.37 €3.90

$2.51 ₱157

74.10%

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

$2.97 €2.65

$1.59 ₱99.9

86.79%

Water (0.33 liter bottle)

$2.86 €2.55

$0.53 ₱33.33

439.62%

Local Beer (0.5 liter draught)

$5.18 €4.62

$1.78 ₱112

191.01%

Imported Beer (0.33 liter bottle)

$4.41 €3.93

$2.17 ₱136

103.23%

Milk (1 liter)

$1.37 €1.22

$1.92 ₱120

-28.65%

White Bread (500g)

$2.82 €2.52

$1.36 ₱85.2

107.35%

Rice (white) (1kg)

$2.06 €1.84

$1.01 ₱63.3

103.96%

Eggs

$3.73 €3.33

$2.03 ₱127

83.74%

Local Cheese (1kg)

$11.72 €10.46

$9.86 ₱619

18.86%

Chicken Fillets (1kg)

$12.31 €10.99

$4.39 ₱276

180.41%

Beef Round Steak (1kg)

$18.85 €16.83

$7.60 ₱477

148.03%

Apples (1kg)

$2.68 €2.39

$3.30 ₱207

-18.79%

Banana (1kg)

$2.11 €1.88

$1.39 ₱87.5

51.80%

Oranges (1kg)

$2.22 €1.98

$2.33 ₱146

-4.72%

Tomato (1kg)

$2.22 €1.98

$1.50 ₱94.0

48.00%

Potato (1kg)

$2.20 €1.96

$2.36 ₱148

-6.78%

Onion (1kg)

$1.68 €1.50

$1.90 ₱119

-11.58%

Lettuce (1 head)

$1.37 €1.22

$1.19 ₱74.7

15.13%

Water (1.5 liter bottle)

$0.88 €0.78

$0.63 ₱39.59

39.68%

Cigarettes 20 Pack (Marlboro, Camel)

$13.33 €11.90

$3.00 ₱189

344.33%

Wine (Bottle)

$7.39 €6.60

$6.03 ₱378

22.55%

Local Beer (0.5 liter bottle)

$1.95 €1.74

$1.23 ₱77.4

58.54%

Imported Beer (0.33 liter bottle)

$1.84 €1.65

$1.75 ₱110

5.14%

One-way Ticket (Public Transport)

$3.11 €2.77

$0.25 ₱15.81

1144.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱793

Taxi Start (Normal Tariff)

$9.91 €8.84

$0.77 ₱48.47

1187.01%

Taxi (Normal Tariff) (1km)

$2.52 €2.25

$0.23 ₱14.49

995.65%

Taxi 1hour Waiting (Normal Tariff)

$24.77 €22.11

$4.46 ₱280

455.38%

Gasoline (1 liter)

$2.08 €1.86

$1.31 ₱82.5

58.78%

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

$35.7K €31.8K

$21.2K ₱1.3M

67.96%

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

$32.9K €29.4K

$19.1K ₱1.2M

71.95%

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

$211 €188

$120 ₱7,547

75.43%

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

$17.96 €16.03

$14.00 ₱879

28.29%

Internet (50+ Mbps, Unlimited Data)

$52.2 €46.54

$27.54 ₱1,729

89.36%

Gym Membership (Monthly)

$36.34 €32.43

$32.33 ₱2,029

12.40%

Tennis Court (1 Hour on Weekend)

$17.86 €15.94

$6.65 ₱417

168.57%

Cinema Ticket

$14.47 €12.92

$5.65 ₱355

156.11%

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

$559 €499

$275 ₱17.3K

103.09%

International Primary School, 1 Child (Yearly)

$16.3K €14.6K

$7,918 ₱497.0K

106.37%

Jeans (Levis 501 Or Similar)

$96.4 €86.0

$49.33 ₱3,097

95.38%

Summer Dress (H&M, Zara, etc)

$26.42 €23.58

$25.24 ₱1,585

4.68%

Sport Shoes (Adidas, Nike)

$108 €96.0

$77.0 ₱4,831

39.72%

Men's Leather Business Shoes

$146 €131

$57.2 ₱3,590

155.89%

1-bedroom Apartment, City Center (Monthly)

$927 €827

$500 ₱31.4K

85.58%

1-bedroom Apartment, Outside City Center (Monthly)

$825 €736

$309 ₱19.4K

167.06%

3-bedroom Apartment, City Center (Monthly)

$1,382 €1,233

$1,078 ₱67.7K

28.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,193 €1,065

$615 ₱38.6K

93.89%

Buy Apartment in City Center (m2)

$4,137 €3,692

$2,886 ₱181.2K

43.35%

Buy Apartment Outside City Center (m2)

$2,859 €2,552

$1,917 ₱120.3K

49.20%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.2

7.2

-55.56%

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

Last update for Tervuren: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tervuren

$825 41%

Cebu

$309 33.6% 62.6% $516

Eating Out

Tervuren

$321 15.9%

Cebu

$88 9.6% 72.5% $232

Groceries & Markets

Tervuren

$319 15.8%

Cebu

$206 22.4% 35.4% $113

Monthly Utilities & Internet

Tervuren

$281 14%

Cebu

$162 17.6% 42.4% $119

Clothing & Footwear

Tervuren

$170 8.4%

Cebu

$94 10.2% 44.6% $76

Sport & Entertainment

Tervuren

$65 3.2%

Cebu

$44 4.8% 33.2% $22

Getting Around

Tervuren

$35 * 1.7%

Cebu

$16 1.7% 55.4% $19

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

Cost Breakdown

A one-bedroom apartment in the center runs $927 in Tervuren and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $79.0 in Tervuren vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $319 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇧🇪 Tervuren

🇵🇭 Cebu

🕒 Local time

09:43 9:43 AM

15:43 3:43 PM

6 h ahead of Tervuren

🌤 Weather

👥 Population

20,816

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 14, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 14, 2026: 1 USD = 62.77 PHP (100 PHP = 1.59 USD). 1 EUR = 70.25 PHP (100 PHP = 1.42 EUR).

USD to EUR in detail →

On the map

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Between locations

Tervuren Cebu 11,070 km ≈ 14 h nonstop flight

From you

Tervuren
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

Tervuren vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 120% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,022 in Tervuren 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: $927 in Tervuren versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 55% higher in Tervuren. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,015 per month in Tervuren versus $918 in Cebu – a 120% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $2,015 in Tervuren, a $1,500 budget is realistic in Cebu but tight or insufficient in Tervuren. 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 Tervuren, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Tervuren 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 120% less than in Tervuren. Beyond cost, consider language, visa policies, and how big the international community is in each city.