Last update: Oct 2026

Cost of Living Comparison Between Torrejón de Ardoz and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,746 in Torrejón de Ardoz, rent and utilities included – about $9,900 less a year. Rent and utilities account for about half of the difference.

85

Cost of Living Index in Torrejón de Ardoz
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Torrejón de Ardoz Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Torrejón de Ardoz

🇪🇸 Spain

$1,746

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,746 in Torrejón de Ardoz versus $918 in Cebu.

Torrejón de Ardoz $1,746
Cebu $918

Estimated couple costs with rent: $2,570 in Torrejón de Ardoz versus $1,409 in Cebu.

Torrejón de Ardoz $2,570
Cebu $1,409

Monthly costs for a family of three with rent: $3,394 in Torrejón de Ardoz versus $1,900 in Cebu.

Torrejón de Ardoz $3,394
Cebu $1,900

Living in Torrejón de Ardoz is roughly 90% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Torrejón de Ardoz is 29% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.64 €14.80

$3.09 ₱194

438.51%

Three-Course Dinner for Two, Mid-Range

$56.7 €50.4

$24.22 ₱1,525

133.90%

Fast Food Meal (McDonalds, etc)

$11.03 €9.81

$3.92 ₱247

181.38%

Cappuccino

$3.04 €2.71

$2.51 ₱158

21.12%

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

$2.57 €2.29

$1.59 ₱100

61.64%

Water (0.33 liter bottle)

$2.28 €2.02

$0.53 ₱33.43

330.19%

Local Beer (0.5 liter draught)

$3.40 €3.02

$1.78 ₱112

91.01%

Imported Beer (0.33 liter bottle)

$3.52 €3.13

$2.17 ₱137

62.21%

Milk (1 liter)

$1.24 €1.10

$1.92 ₱121

-35.42%

White Bread (500g)

$1.72 €1.53

$1.36 ₱85.4

26.47%

Rice (white) (1kg)

$1.56 €1.38

$1.01 ₱63.5

54.46%

Eggs

$3.81 €3.39

$2.03 ₱128

87.68%

Local Cheese (1kg)

$16.30 €14.50

$9.86 ₱621

65.31%

Chicken Fillets (1kg)

$9.32 €8.29

$4.39 ₱277

112.30%

Beef Round Steak (1kg)

$20.66 €18.38

$7.60 ₱479

171.84%

Apples (1kg)

$2.54 €2.26

$3.30 ₱208

-23.03%

Banana (1kg)

$2.40 €2.13

$1.39 ₱87.8

72.66%

Oranges (1kg)

$2.49 €2.22

$2.33 ₱147

6.87%

Tomato (1kg)

$2.80 €2.49

$1.50 ₱94.3

86.67%

Potato (1kg)

$2.14 €1.90

$2.36 ₱149

-9.32%

Onion (1kg)

$2.21 €1.97

$1.90 ₱119

16.32%

Lettuce (1 head)

$1.65 €1.47

$1.19 ₱74.9

38.66%

Water (1.5 liter bottle)

$1.04 €0.92

$0.63 ₱39.71

65.08%

Cigarettes 20 Pack (Marlboro, Camel)

$6.65 €5.92

$3.00 ₱189

121.67%

Wine (Bottle)

$5.63 €5.01

$6.03 ₱379

-6.63%

Local Beer (0.5 liter bottle)

$1.17 €1.04

$1.23 ₱77.7

-4.88%

Imported Beer (0.33 liter bottle)

$2.21 €1.97

$1.75 ₱110

26.29%

One-way Ticket (Public Transport)

$2.00 €1.78

$0.25 ₱15.86

700.00%

Public Transport Monthly Pass (Regular Price)

$32.70 €29.09

$12.64 ₱796

158.70%

Taxi Start (Normal Tariff)

$2.42 €2.15

$0.77 ₱48.62

214.29%

Taxi (Normal Tariff) (1km)

$1.52 €1.35

$0.23 ₱14.53

560.87%

Taxi 1hour Waiting (Normal Tariff)

$29.87 €26.57

$4.46 ₱281

569.73%

Gasoline (1 liter)

$1.75 €1.55

$1.31 ₱82.8

33.59%

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

$35.8K €31.8K

$21.2K ₱1.3M

68.41%

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

$28.7K €25.5K

$19.1K ₱1.2M

49.86%

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

$177 €157

$120 ₱7,569

47.13%

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

$18.42 €16.39

$14.00 ₱882

31.57%

Internet (50+ Mbps, Unlimited Data)

$34.87 €31.02

$27.54 ₱1,734

26.62%

Gym Membership (Monthly)

$45.77 €40.71

$32.33 ₱2,035

41.57%

Tennis Court (1 Hour on Weekend)

$15.75 €14.01

$6.65 ₱419

136.84%

Cinema Ticket

$9.03 €8.04

$5.65 ₱356

59.82%

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

$514 €457

$275 ₱17.3K

86.73%

International Primary School, 1 Child (Yearly)

$7,844 €6,977

$7,918 ₱498.5K

-0.93%

Jeans (Levis 501 Or Similar)

$89.0 €79.1

$49.33 ₱3,106

80.32%

Summer Dress (H&M, Zara, etc)

$38.89 €34.59

$25.24 ₱1,589

54.08%

Sport Shoes (Adidas, Nike)

$97.1 €86.4

$77.0 ₱4,846

26.20%

Men's Leather Business Shoes

$112 €100.0

$57.2 ₱3,601

96.52%

1-bedroom Apartment, City Center (Monthly)

$915 €814

$500 ₱31.5K

83.10%

1-bedroom Apartment, Outside City Center (Monthly)

$692 €616

$309 ₱19.4K

124.11%

3-bedroom Apartment, City Center (Monthly)

$1,349 €1,200

$1,078 ₱67.9K

25.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,034 €920

$615 ₱38.7K

68.08%

Buy Apartment in City Center (m2)

$3,249 €2,890

$2,886 ₱181.7K

12.59%

Buy Apartment Outside City Center (m2)

$2,249 €2,000

$1,917 ₱120.7K

17.33%

Average Monthly Net Salary (After Tax)

$1,435 €1,276

$346 ₱21.8K

314.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.08

7.2

-57.22%

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

Last update for Torrejón de Ardoz: 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

Torrejón de Ardoz

$692 39.6%

Cebu

$309 33.6% 55.4% $383

Groceries & Markets

Torrejón de Ardoz

$311 17.8%

Cebu

$206 22.4% 33.8% $105

Eating Out

Torrejón de Ardoz

$246 14.1%

Cebu

$88 9.6% 64.1% $158

Monthly Utilities & Internet

Torrejón de Ardoz

$230 13.2%

Cebu

$162 17.6% 29.7% $68

Clothing & Footwear

Torrejón de Ardoz

$152 8.7%

Cebu

$94 10.2% 38.1% $58

Sport & Entertainment

Torrejón de Ardoz

$64 3.7%

Cebu

$44 4.8% 31.7% $20

Getting Around

Torrejón de Ardoz

$51 2.9%

Cebu

$16 1.7% 69.3% $35

Cost Breakdown

A one-bedroom apartment in the center runs $915 in Torrejón de Ardoz and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Torrejón de Ardoz pays 315% 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: $57.0 in Torrejón de Ardoz vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $311 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇪🇸 Torrejón de Ardoz

🇵🇭 Cebu

🕒 Local time

10:13 10:13 AM

16:13 4:13 PM

6 h ahead of Torrejón de Ardoz

🌤 Weather

👥 Population

137,711

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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 18, 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

Torrejón de Ardoz Cebu 12,210 km ≈ 16 h nonstop flight

From you

Torrejón de Ardoz
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

Torrejón de Ardoz vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 90% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 315% higher in Torrejón de Ardoz, 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: $915 in Torrejón de Ardoz versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,746 per month in Torrejón de Ardoz versus $918 in Cebu – a 90% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 159% less than in Torrejón de Ardoz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,746 in Torrejón de Ardoz, a $1,500 budget is realistic in Cebu but tight or insufficient in Torrejón de Ardoz. 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 Torrejón de Ardoz, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Torrejón de Ardoz 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 90% less than in Torrejón de Ardoz. Beyond cost, consider language, visa policies, and how big the international community is in each city.