Last update: Oct 2026

Cost of Living Comparison Between Toyama and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,156 in Toyama, rent and utilities included – about $2,900 less a year. Other living expenses account for most of the difference.

57

Cost of Living Index in Toyama
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Toyama Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Toyama

🇯🇵 Japan

$1,156

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,156 in Toyama versus $918 in Cebu.

Toyama $1,156
Cebu $918

Estimated couple costs with rent: $1,838 in Toyama versus $1,409 in Cebu.

Toyama $1,838
Cebu $1,409

Monthly costs for a family of three with rent: $2,519 in Toyama versus $1,900 in Cebu.

Toyama $2,519
Cebu $1,900

Living in Toyama is roughly 26% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Toyama 14% lower, Cebu 32% lower.

Meal at Budget Restaurant

$3.93 ¥621

$3.09 ₱194

27.18%

Three-Course Dinner for Two, Mid-Range

$41.37 ¥6,536

$24.22 ₱1,525

70.81%

Fast Food Meal (McDonalds, etc)

$5.18 ¥819

$3.92 ₱247

32.14%

Cappuccino

$3.51 ¥555

$2.51 ₱158

39.84%

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

$1.04 ¥164

$1.59 ₱100

-34.59%

Water (0.33 liter bottle)

$0.74 ¥117

$0.53 ₱33.43

39.62%

Local Beer (0.5 liter draught)

$2.59 ¥410

$1.78 ₱112

45.51%

Imported Beer (0.33 liter bottle)

$3.19 ¥504

$2.17 ₱137

47.00%

Milk (1 liter)

$1.07 ¥169

$1.92 ₱121

-44.27%

White Bread (500g)

$0.77 ¥122

$1.36 ₱85.4

-43.38%

Rice (white) (1kg)

$3.66 ¥579

$1.01 ₱63.5

262.38%

Eggs

$1.98 ¥313

$2.03 ₱128

-2.46%

Local Cheese (1kg)

$10.52 ¥1,662

$9.86 ₱621

6.69%

Chicken Fillets (1kg)

$5.98 ¥945

$4.39 ₱277

36.22%

Beef Round Steak (1kg)

$14.45 ¥2,283

$7.60 ₱479

90.13%

Apples (1kg)

$5.75 ¥909

$3.30 ₱208

74.24%

Banana (1kg)

$2.70 ¥426

$1.39 ₱87.8

94.24%

Oranges (1kg)

$2.95 ¥467

$2.33 ₱147

26.61%

Tomato (1kg)

$4.20 ¥663

$1.50 ₱94.3

180.00%

Potato (1kg)

$2.52 ¥398

$2.36 ₱149

6.78%

Onion (1kg)

$2.53 ¥400

$1.90 ₱119

33.16%

Lettuce (1 head)

$1.23 ¥195

$1.19 ₱74.9

3.36%

Water (1.5 liter bottle)

$0.64 ¥102

$0.63 ₱39.71

1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.80 ¥600

$3.00 ₱189

26.67%

Wine (Bottle)

$6.25 ¥988

$6.03 ₱379

3.65%

Local Beer (0.5 liter bottle)

$1.82 ¥287

$1.23 ₱77.7

47.97%

Imported Beer (0.33 liter bottle)

$2.00 ¥315

$1.75 ₱110

14.29%

One-way Ticket (Public Transport)

$1.52 ¥240

$0.25 ₱15.86

508.00%

Public Transport Monthly Pass (Regular Price)

$58.7 ¥9,270

$12.64 ₱796

364.24%

Taxi Start (Normal Tariff)

$3.19 ¥503

$0.77 ₱48.62

314.29%

Taxi (Normal Tariff) (1km)

$2.71 ¥428

$0.23 ₱14.53

1078.26%

Taxi 1hour Waiting (Normal Tariff)

$20.33 ¥3,211

$4.46 ₱281

355.83%

Gasoline (1 liter)

$1.11 ¥176

$1.31 ₱82.8

-15.27%

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

$21.7K ¥3.4M

$21.2K ₱1.3M

2.36%

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

$18.2K ¥2.9M

$19.1K ₱1.2M

-5.11%

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

$133 ¥21.0K

$120 ₱7,569

10.59%

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

$23.98 ¥3,788

$14.00 ₱882

71.29%

Internet (50+ Mbps, Unlimited Data)

$32.22 ¥5,091

$27.54 ₱1,734

16.99%

Gym Membership (Monthly)

$52.9 ¥8,351

$32.33 ₱2,035

63.50%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$11.50 ¥1,817

$5.65 ₱356

103.54%

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

$634 ¥100.2K

$275 ₱17.3K

130.37%

International Primary School, 1 Child (Yearly)

$14.6K ¥2.3M

$7,918 ₱498.5K

84.03%

Jeans (Levis 501 Or Similar)

$61.6 ¥9,735

$49.33 ₱3,106

24.91%

Summer Dress (H&M, Zara, etc)

$37.28 ¥5,889

$25.24 ₱1,589

47.70%

Sport Shoes (Adidas, Nike)

$60.7 ¥9,583

$77.0 ₱4,846

-21.19%

Men's Leather Business Shoes

$100 ¥15.8K

$57.2 ₱3,601

75.12%

1-bedroom Apartment, City Center (Monthly)

$233 ¥36.8K

$500 ₱31.5K

-53.41%

1-bedroom Apartment, Outside City Center (Monthly)

$303 ¥47.8K

$309 ₱19.4K

-1.93%

3-bedroom Apartment, City Center (Monthly)

$1,105 ¥174.6K

$1,078 ₱67.9K

2.52%

3-bedroom Apartment, Outside City Center (Monthly)

$648 ¥102.4K

$615 ₱38.7K

5.40%

Buy Apartment in City Center (m2)

$3,962 ¥625.9K

$2,886 ₱181.7K

37.27%

Buy Apartment Outside City Center (m2)

$1,608 ¥254.1K

$1,917 ₱120.7K

-16.10%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

2.64

7.2

-63.33%

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

Last update for Toyama: 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

Toyama

$303 26.2%

Cebu

$309 33.6% 2% $6

Groceries & Markets

Toyama

$274 23.7%

Cebu

$206 22.4% 25% $69

Monthly Utilities & Internet

Toyama

$189 16.4%

Cebu

$162 17.6% 14.5% $27

Clothing & Footwear

Toyama

$117 10.1%

Cebu

$94 10.2% 19.6% $23

Eating Out

Toyama

$116 10%

Cebu

$88 9.6% 23.7% $27

Getting Around

Toyama

$81 7.1%

Cebu

$16 1.7% 80.9% $66

Sport & Entertainment

Toyama

$76 6.6%

Cebu

$44 4.8% 42.5% $32

Cost Breakdown

A one-bedroom apartment in the center runs $233 in Toyama and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $41.00 in Toyama vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $274 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Toyama

🇵🇭 Cebu

🕒 Local time

20:26 8:26 PM

19:26 7:26 PM

1 h behind Toyama

🌤 Weather

👥 Population

421,259

964,169

💱 Currency

Japanese Yen JPY ¥

Philippine Peso PHP ₱

📈 Exchange rate

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to JPY – Japanese Yen Converter

🇺🇸 United States Dollar ($)

🇯🇵 Japanese Yen (¥)

Japanese Yen exchange rates as of October 18, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

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 JPY in detail →

On the map

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Between locations

Toyama Cebu 3,230 km ≈ 4 h 30 min nonstop flight

From you

Toyama
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

Toyama vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 26% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,735 in Toyama 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: $233 in Toyama versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,156 per month in Toyama versus $918 in Cebu – a 26% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 364% less than in Toyama. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Toyama, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Toyama 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 26% less than in Toyama. Beyond cost, consider language, visa policies, and how big the international community is in each city.