Last update: Oct 2026

Cost of Living Comparison Between Toyonaka and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,214 in Toyonaka, rent and utilities included – about $3,600 less a year. Other living expenses account for most of the difference.

59

Cost of Living Index in Toyonaka
Learn more

Toyonaka Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Toyonaka

🇯🇵 Japan

$1,214

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,214 in Toyonaka versus $915 in Cebu.

Toyonaka $1,214
Cebu $915

Estimated couple costs with rent: $1,950 in Toyonaka versus $1,418 in Cebu.

Toyonaka $1,950
Cebu $1,418

Monthly costs for a family of three with rent: $2,686 in Toyonaka versus $1,921 in Cebu.

Toyonaka $2,686
Cebu $1,921

Living in Toyonaka is roughly 33% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Toyonaka 10% lower, Cebu 33% lower.

Meal at Budget Restaurant

$7.68 ¥1,213

$3.05 ₱192

151.80%

Three-Course Dinner for Two, Mid-Range

$31.42 ¥4,964

$24.00 ₱1,511

30.92%

Fast Food Meal (McDonalds, etc)

$4.91 ¥775

$3.99 ₱251

23.06%

Cappuccino

$2.32 ¥367

$2.50 ₱157

-7.20%

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

$1.13 ¥178

$1.54 ₱97.1

-26.62%

Water (0.33 liter bottle)

$0.59 ¥93.0

$0.50 ₱31.37

18.00%

Local Beer (0.5 liter draught)

$2.10 ¥332

$1.78 ₱112

17.98%

Imported Beer (0.33 liter bottle)

$2.29 ¥361

$2.17 ₱136

5.53%

Milk (1 liter)

$1.55 ¥245

$2.00 ₱126

-22.50%

White Bread (500g)

$1.32 ¥208

$1.37 ₱86.2

-3.65%

Rice (white) (1kg)

$4.03 ¥637

$1.03 ₱64.9

291.26%

Eggs

$2.00 ¥316

$2.03 ₱128

-1.48%

Local Cheese (1kg)

$12.85 ¥2,030

$10.20 ₱642

25.98%

Chicken Fillets (1kg)

$6.78 ¥1,072

$4.45 ₱280

52.36%

Beef Round Steak (1kg)

$17.48 ¥2,762

$7.67 ₱483

127.90%

Apples (1kg)

$7.80 ¥1,232

$3.31 ₱208

135.65%

Banana (1kg)

$3.00 ¥474

$1.46 ₱91.8

105.48%

Oranges (1kg)

$5.08 ¥803

$2.32 ₱146

118.97%

Tomato (1kg)

$7.90 ¥1,249

$1.49 ₱94.0

430.20%

Potato (1kg)

$3.89 ¥615

$2.34 ₱147

66.24%

Onion (1kg)

$3.42 ¥541

$1.94 ₱122

76.29%

Lettuce (1 head)

$1.18 ¥186

$1.16 ₱73.0

1.72%

Water (1.5 liter bottle)

$0.95 ¥150

$0.68 ₱42.89

39.71%

Cigarettes 20 Pack (Marlboro, Camel)

$3.39 ¥536

$2.99 ₱188

13.38%

Wine (Bottle)

$8.01 ¥1,266

$6.24 ₱393

28.37%

Local Beer (0.5 liter bottle)

$1.98 ¥312

$1.23 ₱77.3

60.98%

Imported Beer (0.33 liter bottle)

$1.49 ¥235

$1.73 ₱109

-13.87%

One-way Ticket (Public Transport)

$1.51 ¥238

$0.23 ₱14.36

556.52%

Public Transport Monthly Pass (Regular Price)

$53.6 ¥8,463

$12.34 ₱777

334.12%

Taxi Start (Normal Tariff)

$3.17 ¥501

$0.79 ₱49.96

301.27%

Taxi (Normal Tariff) (1km)

$2.81 ¥444

$0.22 ₱13.86

1177.27%

Taxi 1hour Waiting (Normal Tariff)

$15.73 ¥2,485

$4.54 ₱286

246.48%

Gasoline (1 liter)

$1.09 ¥173

$1.32 ₱82.9

-17.42%

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

$19.9K ¥3.1M

$21.0K ₱1.3M

-5.10%

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

$14.9K ¥2.4M

$19.4K ₱1.2M

-23.31%

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

$114 ¥18.0K

$119 ₱7,464

-3.75%

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

$22.93 ¥3,623

$14.22 ₱896

61.25%

Internet (50+ Mbps, Unlimited Data)

$30.97 ¥4,893

$27.47 ₱1,730

12.74%

Gym Membership (Monthly)

$52.6 ¥8,306

$32.31 ₱2,034

62.74%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

Cinema Ticket

$11.31 ¥1,787

$5.40 ₱340

109.44%

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

$327 ¥51.6K

$276 ₱17.4K

18.42%

International Primary School, 1 Child (Yearly)

$6,074 ¥959.6K

$7,866 ₱495.3K

-22.79%

Jeans (Levis 501 Or Similar)

$51.1 ¥8,072

$49.37 ₱3,108

3.48%

Summer Dress (H&M, Zara, etc)

$24.94 ¥3,941

$24.58 ₱1,548

1.46%

Sport Shoes (Adidas, Nike)

$45.91 ¥7,253

$76.6 ₱4,825

-40.10%

Men's Leather Business Shoes

$64.2 ¥10.1K

$58.9 ₱3,706

8.99%

1-bedroom Apartment, City Center (Monthly)

$533 ¥84.2K

$503 ₱31.7K

5.85%

1-bedroom Apartment, Outside City Center (Monthly)

$326 ¥51.5K

$305 ₱19.2K

7.05%

3-bedroom Apartment, City Center (Monthly)

$1,111 ¥175.5K

$1,075 ₱67.7K

3.36%

3-bedroom Apartment, Outside City Center (Monthly)

$742 ¥117.2K

$632 ₱39.8K

17.37%

Buy Apartment in City Center (m2)

$4,216 ¥666.1K

$2,870 ₱180.7K

46.93%

Buy Apartment Outside City Center (m2)

$1,789 ¥282.6K

$1,877 ₱118.2K

-4.70%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

2.02

7.2

-71.94%

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

Last update for Toyonaka: October 17, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Toyonaka

$358 29.5%

Cebu

$210 22.9% 41.5% $148

Accommodation & Living

Toyonaka

$326 26.9%

Cebu

$305 33.3% 6.6% $21

Monthly Utilities & Internet

Toyonaka

$168 13.8%

Cebu

$160 17.5% 4.6% $7.8

Eating Out

Toyonaka

$126 10.4%

Cebu

$88 9.6% 30.3% $38

Clothing & Footwear

Toyonaka

$84 6.9%

Cebu

$94 10.3% 12.6% $11

Getting Around

Toyonaka

$77 6.3%

Cebu

$15 1.7% 80.3% $62

Sport & Entertainment

Toyonaka

$75 6.2%

Cebu

$43 4.7% 42.7% $32

Cost Breakdown

A one-bedroom apartment in the center runs $533 in Toyonaka and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $31.00 in Toyonaka vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $358 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Toyonaka

🇵🇭 Cebu

🕒 Local time

04:59 4:59 AM

03:59 3:59 AM

1 h behind Toyonaka

🌤 Weather

👥 Population

394,788

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 20, 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 20, 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

Lowest

Highest

Between locations

Toyonaka Cebu 2,970 km ≈ 4 h 15 min nonstop flight

From you

Toyonaka
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

Toyonaka vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and transport. The 33% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,821 in Toyonaka and $1,372 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: $533 in Toyonaka versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,214 per month in Toyonaka versus $915 in Cebu – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 334% less than in Toyonaka. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,214 in Toyonaka, a $1,500 budget is realistic in Cebu but tight or insufficient in Toyonaka. 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 Toyonaka, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Toyonaka 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 33% less than in Toyonaka. Beyond cost, consider language, visa policies, and how big the international community is in each city.