Last update: Oct 2026

Cost of Living Comparison Between Tsushima Island and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,243 in Tsushima Island, rent and utilities included – about $3,900 less a year. Other living expenses account for most of the difference.

60

Cost of Living Index in Tsushima Island
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Tsushima Island Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Tsushima Island

🇯🇵 Japan

$1,243

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,243 in Tsushima Island versus $918 in Cebu.

Tsushima Island $1,243
Cebu $918

Estimated couple costs with rent: $1,932 in Tsushima Island versus $1,409 in Cebu.

Tsushima Island $1,932
Cebu $1,409

Monthly costs for a family of three with rent: $2,621 in Tsushima Island versus $1,900 in Cebu.

Tsushima Island $2,621
Cebu $1,900

Living in Tsushima Island is roughly 35% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Tsushima Island 8% lower, Cebu 32% lower.

Meal at Budget Restaurant

$7.05 ¥1,115

$3.09 ₱194

128.16%

Three-Course Dinner for Two, Mid-Range

$34.88 ¥5,511

$24.22 ₱1,525

44.01%

Fast Food Meal (McDonalds, etc)

$5.41 ¥855

$3.92 ₱247

38.01%

Cappuccino

$3.10 ¥489

$2.51 ₱158

23.51%

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

$1.09 ¥172

$1.59 ₱100

-31.45%

Water (0.33 liter bottle)

$0.76 ¥121

$0.53 ₱33.43

43.40%

Local Beer (0.5 liter draught)

$2.14 ¥338

$1.78 ₱112

20.22%

Imported Beer (0.33 liter bottle)

$3.04 ¥480

$2.17 ₱137

40.09%

Milk (1 liter)

$1.51 ¥239

$1.92 ₱121

-21.35%

White Bread (500g)

$1.65 ¥261

$1.36 ₱85.4

21.32%

Rice (white) (1kg)

$4.90 ¥774

$1.01 ₱63.5

385.15%

Eggs

$2.32 ¥366

$2.03 ₱128

14.29%

Local Cheese (1kg)

$10.15 ¥1,604

$9.86 ₱621

2.94%

Chicken Fillets (1kg)

$6.14 ¥970

$4.39 ₱277

39.86%

Beef Round Steak (1kg)

$15.73 ¥2,485

$7.60 ₱479

106.97%

Apples (1kg)

$5.23 ¥826

$3.30 ₱208

58.48%

Banana (1kg)

$2.55 ¥402

$1.39 ₱87.8

83.45%

Oranges (1kg)

$4.07 ¥644

$2.33 ₱147

74.68%

Tomato (1kg)

$4.65 ¥735

$1.50 ₱94.3

210.00%

Potato (1kg)

$3.31 ¥523

$2.36 ₱149

40.25%

Onion (1kg)

$2.68 ¥424

$1.90 ₱119

41.05%

Lettuce (1 head)

$1.38 ¥218

$1.19 ₱74.9

15.97%

Water (1.5 liter bottle)

$0.88 ¥139

$0.63 ₱39.71

39.68%

Cigarettes 20 Pack (Marlboro, Camel)

$4.21 ¥665

$3.00 ₱189

40.33%

Wine (Bottle)

$6.52 ¥1,031

$6.03 ₱379

8.13%

Local Beer (0.5 liter bottle)

$2.01 ¥317

$1.23 ₱77.7

63.41%

Imported Beer (0.33 liter bottle)

$2.30 ¥364

$1.75 ₱110

31.43%

One-way Ticket (Public Transport)

$1.67 ¥264

$0.25 ₱15.86

568.00%

Public Transport Monthly Pass (Regular Price)

$55.2 ¥8,717

$12.64 ₱796

336.47%

Taxi Start (Normal Tariff)

$3.45 ¥546

$0.77 ₱48.62

348.05%

Taxi (Normal Tariff) (1km)

$2.91 ¥460

$0.23 ₱14.53

1165.22%

Taxi 1hour Waiting (Normal Tariff)

$21.07 ¥3,329

$4.46 ₱281

372.42%

Gasoline (1 liter)

$1.24 ¥196

$1.31 ₱82.8

-5.34%

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

$23.1K ¥3.6M

$21.2K ₱1.3M

8.60%

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

$17.2K ¥2.7M

$19.1K ₱1.2M

-10.25%

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

$139 ¥21.9K

$120 ₱7,569

15.55%

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

$26.86 ¥4,244

$14.00 ₱882

91.86%

Internet (50+ Mbps, Unlimited Data)

$34.31 ¥5,420

$27.54 ₱1,734

24.58%

Gym Membership (Monthly)

$58.7 ¥9,269

$32.33 ₱2,035

81.47%

Tennis Court (1 Hour on Weekend)

$13.77 ¥2,176

$6.65 ₱419

107.07%

Cinema Ticket

$13.36 ¥2,111

$5.65 ₱356

136.46%

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

$283 ¥44.7K

$275 ₱17.3K

2.71%

International Primary School, 1 Child (Yearly)

$13.3K ¥2.1M

$7,918 ₱498.5K

68.54%

Jeans (Levis 501 Or Similar)

$42.68 ¥6,742

$49.33 ₱3,106

-13.48%

Summer Dress (H&M, Zara, etc)

$29.86 ¥4,717

$25.24 ₱1,589

18.30%

Sport Shoes (Adidas, Nike)

$59.3 ¥9,365

$77.0 ₱4,846

-22.97%

Men's Leather Business Shoes

$90.5 ¥14.3K

$57.2 ₱3,601

58.18%

1-bedroom Apartment, City Center (Monthly)

$463 ¥73.1K

$500 ₱31.5K

-7.37%

1-bedroom Apartment, Outside City Center (Monthly)

$334 ¥52.8K

$309 ₱19.4K

8.30%

3-bedroom Apartment, City Center (Monthly)

$877 ¥138.6K

$1,078 ₱67.9K

-18.60%

3-bedroom Apartment, Outside City Center (Monthly)

$657 ¥103.8K

$615 ₱38.7K

6.81%

Buy Apartment in City Center (m2)

$2,841 ¥448.8K

$2,886 ₱181.7K

-1.57%

Buy Apartment Outside City Center (m2)

$1,775 ¥280.5K

$1,917 ₱120.7K

-7.38%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

1.81

7.2

-74.86%

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

Last update for Tsushima Island: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tsushima Island

$334 26.9%

Cebu

$309 33.6% 7.7% $26

Groceries & Markets

Tsushima Island

$309 24.9%

Cebu

$206 22.4% 33.4% $103

Monthly Utilities & Internet

Tsushima Island

$200 16.1%

Cebu

$162 17.6% 19.2% $38

Eating Out

Tsushima Island

$134 10.8%

Cebu

$88 9.6% 34.2% $46

Clothing & Footwear

Tsushima Island

$100 8.1%

Cebu

$94 10.2% 6.1% $6.1

Sport & Entertainment

Tsushima Island

$85 6.9%

Cebu

$44 4.8% 48.9% $42

Getting Around

Tsushima Island

$80 6.4%

Cebu

$16 1.7% 80.5% $64

Cost Breakdown

A one-bedroom apartment in the center runs $463 in Tsushima Island and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Tsushima Island vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $309 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇯🇵 Tsushima Island

🇵🇭 Cebu

🕒 Local time

17:00 5:00 PM

16:00 4:00 PM

1 h behind Tsushima Island

🌤 Weather

👥 Population

28,000

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 19, 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 19, 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 →

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Tsushima Island Cebu 2,710 km ≈ 4 h nonstop flight

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Tsushima Island
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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

Tsushima Island vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 35% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,864 in Tsushima Island 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: $463 in Tsushima Island versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,243 per month in Tsushima Island versus $918 in Cebu – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 336% less than in Tsushima Island. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,243 in Tsushima Island, a $1,500 budget is realistic in Cebu but tight or insufficient in Tsushima Island. 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 Tsushima Island, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Tsushima Island 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 35% less than in Tsushima Island. Beyond cost, consider language, visa policies, and how big the international community is in each city.