Last update: Oct 2026

Cost of Living Comparison Between Umluj and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,182 in Umluj, rent and utilities included – about $3,200 less a year. Other living expenses account for most of the difference.

57

Cost of Living Index in Umluj
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Umluj Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Umluj

🇸🇦 Saudi Arabia

$1,182

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,182 in Umluj versus $918 in Cebu.

Umluj $1,182
Cebu $918

Estimated couple costs with rent: $1,758 in Umluj versus $1,409 in Cebu.

Umluj $1,758
Cebu $1,409

Monthly costs for a family of three with rent: $2,333 in Umluj versus $1,900 in Cebu.

Umluj $2,333
Cebu $1,900

Living in Umluj is roughly 29% more expensive than in Cebu, and outside of rent the biggest gap is in leisure.

Both cities sit below the global median: Umluj 12% lower, Cebu 32% lower.

Meal at Budget Restaurant

$5.97 SAR 22.41

$3.09 ₱194

93.20%

Three-Course Dinner for Two, Mid-Range

$37.58 SAR 141

$24.22 ₱1,525

55.16%

Fast Food Meal (McDonalds, etc)

$8.20 SAR 30.76

$3.92 ₱247

109.18%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.91 SAR 7.15

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.28 SAR 8.57

Cappuccino

$3.26 SAR 12.23

$2.51 ₱158

29.88%

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

$0.84 SAR 3.14

$1.59 ₱100

-47.17%

Water (0.33 liter bottle)

$0.26 SAR 0.98

$0.53 ₱33.43

-50.94%

Local Beer (0.5 liter draught)

$1.78 ₱112

Imported Beer (0.33 liter bottle)

$2.17 ₱137

Milk (1 liter)

$1.68 SAR 6.30

$1.92 ₱121

-12.50%

White Bread (500g)

$1.31 SAR 4.91

$1.36 ₱85.4

-3.68%

Rice (white) (1kg)

$2.38 SAR 8.92

$1.01 ₱63.5

135.64%

Eggs

$2.40 SAR 9.00

$2.03 ₱128

18.23%

Local Cheese (1kg)

$7.60 SAR 28.54

$9.86 ₱621

-22.92%

Chicken Fillets (1kg)

$7.66 SAR 28.76

$4.39 ₱277

74.49%

Beef Round Steak (1kg)

$13.06 SAR 48.99

$7.60 ₱479

71.84%

Apples (1kg)

$2.23 SAR 8.39

$3.30 ₱208

-32.42%

Banana (1kg)

$1.70 SAR 6.38

$1.39 ₱87.8

22.30%

Oranges (1kg)

$1.65 SAR 6.20

$2.33 ₱147

-29.18%

Tomato (1kg)

$1.63 SAR 6.13

$1.50 ₱94.3

8.67%

Potato (1kg)

$1.17 SAR 4.40

$2.36 ₱149

-50.42%

Onion (1kg)

$1.32 SAR 4.96

$1.90 ₱119

-30.53%

Lettuce (1 head)

$1.26 SAR 4.73

$1.19 ₱74.9

5.88%

Water (1.5 liter bottle)

$0.58 SAR 2.17

$0.63 ₱39.71

-7.94%

Bottle of Non-Alcoholic Wine (Mid-Range)

$2.86 SAR 10.74

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.74 SAR 6.53

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.01 SAR 7.55

Cigarettes 20 Pack (Marlboro, Camel)

$6.57 SAR 24.65

$3.00 ₱189

119.00%

Wine (Bottle)

$6.03 ₱379

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

Imported Beer (0.33 liter bottle)

$1.75 ₱110

One-way Ticket (Public Transport)

$1.09 SAR 4.10

$0.25 ₱15.86

336.00%

Public Transport Monthly Pass (Regular Price)

$36.82 SAR 138

$12.64 ₱796

191.30%

Taxi Start (Normal Tariff)

$2.63 SAR 9.86

$0.77 ₱48.62

241.56%

Taxi (Normal Tariff) (1km)

$1.85 SAR 6.93

$0.23 ₱14.53

704.35%

Taxi 1hour Waiting (Normal Tariff)

$13.56 SAR 50.9

$4.46 ₱281

204.04%

Gasoline (1 liter)

$0.65 SAR 2.43

$1.31 ₱82.8

-50.38%

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

$44.5K SAR 167.0K

$21.2K ₱1.3M

109.44%

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

$21.5K SAR 80.9K

$19.1K ₱1.2M

12.55%

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

$102 SAR 383

$120 ₱7,569

-15.14%

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

$32.15 SAR 121

$14.00 ₱882

129.64%

Internet (50+ Mbps, Unlimited Data)

$66.5 SAR 250

$27.54 ₱1,734

141.61%

Gym Membership (Monthly)

$81.2 SAR 305

$32.33 ₱2,035

151.13%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$13.16 SAR 49.37

$5.65 ₱356

132.92%

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

$428 SAR 1,608

$275 ₱17.3K

55.63%

International Primary School, 1 Child (Yearly)

$8,089 SAR 30.4K

$7,918 ₱498.5K

2.16%

Jeans (Levis 501 Or Similar)

$41.94 SAR 157

$49.33 ₱3,106

-14.98%

Summer Dress (H&M, Zara, etc)

$54.3 SAR 204

$25.24 ₱1,589

115.21%

Sport Shoes (Adidas, Nike)

$98.1 SAR 368

$77.0 ₱4,846

27.40%

Men's Leather Business Shoes

$85.9 SAR 322

$57.2 ₱3,601

50.24%

1-bedroom Apartment, City Center (Monthly)

$581 SAR 2,180

$500 ₱31.5K

16.32%

1-bedroom Apartment, Outside City Center (Monthly)

$375 SAR 1,409

$309 ₱19.4K

21.59%

3-bedroom Apartment, City Center (Monthly)

$810 SAR 3,039

$1,078 ₱67.9K

-24.86%

3-bedroom Apartment, Outside City Center (Monthly)

$578 SAR 2,171

$615 ₱38.7K

-5.97%

Buy Apartment in City Center (m2)

$2,332 SAR 8,752

$2,886 ₱181.7K

-19.19%

Buy Apartment Outside City Center (m2)

$1,372 SAR 5,150

$1,917 ₱120.7K

-28.40%

Average Monthly Net Salary (After Tax)

$4,243 SAR 15.9K

$346 ₱21.8K

1126.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.54

7.2

-23.06%

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

Last update for Umluj: 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

Umluj

$376 31.8%

Cebu

$309 33.6% 17.8% $67

Groceries & Markets

Umluj

$204 17.2%

Cebu

$206 22.4% 1.1% $2.3

Monthly Utilities & Internet

Umluj

$201 17%

Cebu

$162 17.6% 19.4% $39

Clothing & Footwear

Umluj

$126 10.7%

Cebu

$94 10.2% 25.5% $32

Eating Out

Umluj

$116 9.8%

Cebu

$88 9.6% 23.8% $28

Sport & Entertainment

Umluj

$108 9.1%

Cebu

$44 4.8% 59.4% $64

Getting Around

Umluj

$53 4.5%

Cebu

$16 1.7% 70.7% $37

Cost Breakdown

A one-bedroom apartment in the center runs $581 in Umluj and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Umluj pays 1127% 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: $38.00 in Umluj vs $24.00 in Cebu. Groceries flip the comparison at $204 vs $206, with Umluj cheaper for home cooking.

Good to know

🇸🇦 Umluj

🇵🇭 Cebu

🕒 Local time

04:06 4:06 AM

09:06 9:06 AM

5 h ahead of Umluj

🌤 Weather

👥 Population

37,757

964,169

💱 Currency

Saudi Riyal SAR ر.س

Philippine Peso PHP ₱

📈 Exchange rate

1 SAR = 0.266 USD

1 SAR = 0.237 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to SAR – Saudi Riyal Converter

🇺🇸 United States Dollar ($)

🇸🇦 Saudi Riyal (ر.س)

Saudi Riyal exchange rates as of October 19, 2026: 1 USD = 3.75 SAR (1 SAR = 0.266 USD). 1 EUR = 4.22 SAR (1 SAR = 0.237 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 SAR in detail →

On the map

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Between locations

Umluj Cebu 9,190 km ≈ 12 h nonstop flight

From you

Umluj
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

Umluj vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 29% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1127% higher in Umluj, 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: $581 in Umluj versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,182 per month in Umluj versus $918 in Cebu – a 29% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 191% less than in Umluj. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,182 in Umluj, a $1,500 budget is realistic in Cebu but tight or insufficient in Umluj. 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 Umluj, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Umluj 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 29% less than in Umluj. Beyond cost, consider language, visa policies, and how big the international community is in each city.