Last update: Oct 2026

Cost of Living Comparison Between Torquay and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,148 in Torquay, rent and utilities included – about $14,600 less a year. Rent and utilities account for most of the difference.

102

Cost of Living Index in Torquay
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Torquay Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Torquay

🇬🇧 United Kingdom

$2,148

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,148 in Torquay versus $934 in Cebu.

Torquay $2,148
Cebu $934

Estimated couple costs with rent: $3,066 in Torquay versus $1,415 in Cebu.

Torquay $3,066
Cebu $1,415

Monthly costs for a family of three with rent: $3,984 in Torquay versus $1,896 in Cebu.

Torquay $3,984
Cebu $1,896

Living in Torquay is roughly 130% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Torquay is 60% above, Cebu is 30% below.

Meal at Budget Restaurant

$21.88 £16.53

$3.03 ₱190

622.11%

Three-Course Dinner for Two, Mid-Range

$92.0 £69.5

$23.48 ₱1,473

291.65%

Fast Food Meal (McDonalds, etc)

$9.21 £6.96

$4.09 ₱256

125.18%

Cappuccino

$4.29 £3.24

$2.52 ₱158

70.24%

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

$2.75 £2.08

$1.54 ₱96.9

78.57%

Water (0.33 liter bottle)

$2.16 £1.64

$0.49 ₱30.98

340.82%

Local Beer (0.5 liter draught)

$5.21 £3.94

$1.79 ₱112

191.06%

Imported Beer (0.33 liter bottle)

$5.20 £3.93

$2.26 ₱142

130.09%

Milk (1 liter)

$1.92 £1.45

$1.95 ₱122

-1.54%

White Bread (500g)

$2.01 £1.52

$1.43 ₱89.7

40.56%

Rice (white) (1kg)

$3.12 £2.35

$1.02 ₱63.8

205.88%

Eggs

$4.96 £3.75

$2.06 ₱129

140.78%

Local Cheese (1kg)

$6.77 £5.12

$9.81 ₱615

-30.99%

Chicken Fillets (1kg)

$10.73 £8.11

$4.61 ₱289

132.75%

Beef Round Steak (1kg)

$16.90 £12.77

$7.70 ₱483

119.48%

Apples (1kg)

$0.81 £0.61

$3.31 ₱207

-75.53%

Banana (1kg)

$2.52 £1.91

$1.45 ₱90.9

73.79%

Oranges (1kg)

$4.88 £3.69

$2.36 ₱148

106.78%

Tomato (1kg)

$5.84 £4.41

$1.54 ₱96.4

279.22%

Potato (1kg)

$2.07 £1.56

$2.36 ₱148

-12.29%

Onion (1kg)

$1.66 £1.25

$1.99 ₱125

-16.58%

Lettuce (1 head)

$1.83 £1.39

$1.15 ₱72.1

59.13%

Water (1.5 liter bottle)

$1.94 £1.47

$0.67 ₱42.15

189.55%

Cigarettes 20 Pack (Marlboro, Camel)

$23.03 £17.41

$3.00 ₱188

667.67%

Wine (Bottle)

$11.41 £8.62

$6.35 ₱398

79.69%

Local Beer (0.5 liter bottle)

$4.00 £3.02

$1.31 ₱81.9

205.34%

Imported Beer (0.33 liter bottle)

$3.20 £2.42

$1.73 ₱108

84.97%

One-way Ticket (Public Transport)

$3.22 £2.43

$0.25 ₱15.78

1188.00%

Public Transport Monthly Pass (Regular Price)

$65.8 £49.72

$12.65 ₱793

420.08%

Taxi Start (Normal Tariff)

$6.06 £4.58

$0.74 ₱46.32

718.92%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

Taxi 1hour Waiting (Normal Tariff)

$25.99 £19.64

$4.33 ₱271

500.23%

Gasoline (1 liter)

$2.07 £1.57

$1.33 ₱83.5

55.64%

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

$38.8K £29.3K

$21.8K ₱1.4M

78.43%

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

$40.9K £30.9K

$19.4K ₱1.2M

110.79%

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

$298 £226

$121 ₱7,563

147.52%

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

$20.14 £15.22

$14.45 ₱907

39.38%

Internet (50+ Mbps, Unlimited Data)

$28.90 £21.84

$28.29 ₱1,774

2.16%

Gym Membership (Monthly)

$32.43 £24.51

$32.68 ₱2,050

-0.76%

Tennis Court (1 Hour on Weekend)

$8.06 £6.09

$6.39 ₱401

26.13%

Cinema Ticket

$7.46 £5.64

$5.46 ₱342

36.63%

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

$1,584 £1,197

$273 ₱17.1K

479.50%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

Jeans (Levis 501 Or Similar)

$80.9 £61.1

$49.57 ₱3,109

63.14%

Summer Dress (H&M, Zara, etc)

$24.14 £18.24

$24.87 ₱1,560

-2.94%

Sport Shoes (Adidas, Nike)

$67.1 £50.7

$76.6 ₱4,804

-12.38%

Men's Leather Business Shoes

$77.8 £58.8

$59.3 ₱3,717

31.27%

1-bedroom Apartment, City Center (Monthly)

$1,064 £804

$506 ₱31.7K

110.39%

1-bedroom Apartment, Outside City Center (Monthly)

$876 £662

$309 ₱19.4K

182.98%

3-bedroom Apartment, City Center (Monthly)

$1,568 £1,185

$1,052 ₱66.0K

49.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,206 £912

$619 ₱38.8K

94.88%

Buy Apartment in City Center (m2)

$4,076 £3,080

$2,915 ₱182.9K

39.79%

Buy Apartment Outside City Center (m2)

$2,778 £2,099

$1,867 ₱117.1K

48.77%

Average Monthly Net Salary (After Tax)

$2,430 £1,836

$341 ₱21.4K

612.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.11

7.2

-29.03%

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

Last update for Torquay: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Torquay

$876 41.1%

Cebu

$309 33.5% 64.7% $566

Groceries & Markets

Torquay

$354 16.6%

Cebu

$210 22.7% 40.5% $143

Monthly Utilities & Internet

Torquay

$348 16.3%

Cebu

$163 17.7% 53% $184

Eating Out

Torquay

$310 14.6%

Cebu

$88 9.6% 71.5% $222

Clothing & Footwear

Torquay

$112 5.3%

Cebu

$95 10.2% 15.9% $18

Getting Around

Torquay

$85 * 4%

Cebu

$15 1.7% 81.8% $69

Sport & Entertainment

Torquay

$47 2.2%

Cebu

$44 4.7% 7.9% $3.8

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 $1,064 in Torquay and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Torquay pays 612% 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: $92.0 in Torquay vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $354 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇬🇧 Torquay

🇵🇭 Cebu

🕒 Local time

04:31 4:31 AM

11:31 11:31 AM

7 h ahead of Torquay

🌤 Weather

👥 Population

65,388

964,169

💱 Currency

British Pound GBP £

Philippine Peso PHP ₱

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 10, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.848 GBP (1 GBP = 1.18 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to GBP in detail →

On the map

Lowest

Highest

Between locations

Torquay Cebu 11,570 km ≈ 15 h nonstop flight

From you

Torquay
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

Torquay vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 130% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 612% higher in Torquay, 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: $1,064 in Torquay versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,148 per month in Torquay versus $934 in Cebu – a 130% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 420% less than in Torquay. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,148 in Torquay, a $1,500 budget is realistic in Cebu but tight or insufficient in Torquay. 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 Torquay, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Torquay 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 130% less than in Torquay. Beyond cost, consider language, visa policies, and how big the international community is in each city.