Last update: Oct 2026

Cost of Living Comparison Between Tomar and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,295 in Tomar, rent and utilities included – about $4,500 less a year. Other living expenses account for most of the difference.

63

Cost of Living Index in Tomar
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Tomar Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Tomar

🇵🇹 Portugal

$1,295

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,295 in Tomar versus $918 in Cebu.

Tomar $1,295
Cebu $918

Estimated couple costs with rent: $1,821 in Tomar versus $1,409 in Cebu.

Tomar $1,821
Cebu $1,409

Monthly costs for a family of three with rent: $2,347 in Tomar versus $1,900 in Cebu.

Tomar $2,347
Cebu $1,900

Living in Tomar is roughly 41% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Tomar 4% lower, Cebu 32% lower.

Meal at Budget Restaurant

$13.37 €11.89

$3.09 ₱194

332.69%

Three-Course Dinner for Two, Mid-Range

$37.89 €33.71

$24.22 ₱1,525

56.44%

Fast Food Meal (McDonalds, etc)

$8.69 €7.73

$3.92 ₱247

121.68%

Cappuccino

$1.88 €1.67

$2.51 ₱158

-25.10%

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

$1.79 €1.59

$1.59 ₱100

12.58%

Water (0.33 liter bottle)

$1.42 €1.27

$0.53 ₱33.43

167.92%

Local Beer (0.5 liter draught)

$2.26 €2.01

$1.78 ₱112

26.97%

Imported Beer (0.33 liter bottle)

$2.51 €2.24

$2.17 ₱137

15.67%

Milk (1 liter)

$1.08 €0.96

$1.92 ₱121

-43.75%

White Bread (500g)

$1.77 €1.57

$1.36 ₱85.4

30.15%

Rice (white) (1kg)

$1.41 €1.25

$1.01 ₱63.5

39.60%

Eggs

$2.72 €2.42

$2.03 ₱128

33.99%

Local Cheese (1kg)

$12.80 €11.39

$9.86 ₱621

29.82%

Chicken Fillets (1kg)

$6.50 €5.78

$4.39 ₱277

48.06%

Beef Round Steak (1kg)

$14.31 €12.73

$7.60 ₱479

88.29%

Apples (1kg)

$1.91 €1.69

$3.30 ₱208

-42.12%

Banana (1kg)

$1.41 €1.26

$1.39 ₱87.8

1.44%

Oranges (1kg)

$1.84 €1.64

$2.33 ₱147

-21.03%

Tomato (1kg)

$2.51 €2.23

$1.50 ₱94.3

67.33%

Potato (1kg)

$1.83 €1.63

$2.36 ₱149

-22.46%

Onion (1kg)

$1.14 €1.01

$1.90 ₱119

-40.00%

Lettuce (1 head)

$1.53 €1.36

$1.19 ₱74.9

28.57%

Water (1.5 liter bottle)

$1.14 €1.01

$0.63 ₱39.71

80.95%

Cigarettes 20 Pack (Marlboro, Camel)

$6.88 €6.12

$3.00 ₱189

129.33%

Wine (Bottle)

$4.56 €4.05

$6.03 ₱379

-24.38%

Local Beer (0.5 liter bottle)

$1.34 €1.20

$1.23 ₱77.7

8.94%

Imported Beer (0.33 liter bottle)

$2.21 €1.96

$1.75 ₱110

26.29%

One-way Ticket (Public Transport)

$2.01 €1.79

$0.25 ₱15.86

704.00%

Public Transport Monthly Pass (Regular Price)

$37.43 €33.29

$12.64 ₱796

196.12%

Taxi Start (Normal Tariff)

$4.34 €3.86

$0.77 ₱48.62

463.64%

Taxi (Normal Tariff) (1km)

$1.49 €1.33

$0.23 ₱14.53

547.83%

Taxi 1hour Waiting (Normal Tariff)

$20.77 €18.48

$4.46 ₱281

365.70%

Gasoline (1 liter)

$1.82 €1.62

$1.31 ₱82.8

38.93%

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

$31.9K €28.3K

$21.2K ₱1.3M

49.98%

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

$38.0K €33.8K

$19.1K ₱1.2M

98.53%

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

$106 €94.5

$120 ₱7,569

-11.66%

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

$17.23 €15.33

$14.00 ₱882

23.07%

Internet (50+ Mbps, Unlimited Data)

$42.90 €38.16

$27.54 ₱1,734

55.77%

Gym Membership (Monthly)

$41.15 €36.61

$32.33 ₱2,035

27.28%

Tennis Court (1 Hour on Weekend)

$17.73 €15.77

$6.65 ₱419

166.62%

Cinema Ticket

$9.16 €8.15

$5.65 ₱356

62.12%

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

$311 €277

$275 ₱17.3K

12.96%

International Primary School, 1 Child (Yearly)

$6,305 €5,608

$7,918 ₱498.5K

-20.37%

Jeans (Levis 501 Or Similar)

$66.3 €59.0

$49.33 ₱3,106

34.42%

Summer Dress (H&M, Zara, etc)

$35.12 €31.24

$25.24 ₱1,589

39.14%

Sport Shoes (Adidas, Nike)

$74.5 €66.3

$77.0 ₱4,846

-3.14%

Men's Leather Business Shoes

$90.3 €80.3

$57.2 ₱3,601

57.87%

1-bedroom Apartment, City Center (Monthly)

$757 €673

$500 ₱31.5K

51.56%

1-bedroom Apartment, Outside City Center (Monthly)

$463 €412

$309 ₱19.4K

49.88%

3-bedroom Apartment, City Center (Monthly)

$907 €807

$1,078 ₱67.9K

-15.82%

3-bedroom Apartment, Outside City Center (Monthly)

$502 €447

$615 ₱38.7K

-18.40%

Buy Apartment in City Center (m2)

$3,038 €2,702

$2,886 ₱181.7K

5.26%

Buy Apartment Outside City Center (m2)

$2,257 €2,008

$1,917 ₱120.7K

17.77%

Average Monthly Net Salary (After Tax)

$1,077 €958

$346 ₱21.8K

211.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.7

7.2

-48.61%

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

Last update for Tomar: 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

Tomar

$463 35.8%

Cebu

$309 33.6% 33.3% $154

Groceries & Markets

Tomar

$245 18.9%

Cebu

$206 22.4% 15.8% $39

Eating Out

Tomar

$185 14.3%

Cebu

$88 9.6% 52.2% $96

Monthly Utilities & Internet

Tomar

$166 12.8%

Cebu

$162 17.6% 2.7% $4.6

Clothing & Footwear

Tomar

$120 9.3%

Cebu

$94 10.2% 21.6% $26

Sport & Entertainment

Tomar

$59 4.6%

Cebu

$44 4.8% 26.7% $16

Getting Around

Tomar

$57 4.4%

Cebu

$16 1.7% 72.8% $42

Cost Breakdown

A one-bedroom apartment in the center runs $757 in Tomar and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Tomar pays 211% 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: $38.00 in Tomar vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $245 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇹 Tomar

🇵🇭 Cebu

🕒 Local time

02:22 2:22 AM

09:22 9:22 AM

7 h ahead of Tomar

🌤 Weather

👥 Population

36,414

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Tomar Cebu 12,600 km ≈ 16 h nonstop flight

From you

Tomar
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

Tomar vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 41% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 211% higher in Tomar, 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: $757 in Tomar versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,295 per month in Tomar versus $918 in Cebu – a 41% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 196% less than in Tomar. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,295 in Tomar, a $1,500 budget is realistic in Cebu but tight or insufficient in Tomar. 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 Tomar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Tomar 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 41% less than in Tomar. Beyond cost, consider language, visa policies, and how big the international community is in each city.