Last update: Oct 2026

Cost of Living Comparison Between Varazdin and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,270 in Varazdin, rent and utilities included – about $4,200 less a year. Other living expenses account for most of the difference.

62

Cost of Living Index in Varazdin
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Varazdin Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Varazdin

🇭🇷 Croatia

$1,270

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,270 in Varazdin versus $918 in Cebu.

Varazdin $1,270
Cebu $918

Estimated couple costs with rent: $1,842 in Varazdin versus $1,409 in Cebu.

Varazdin $1,842
Cebu $1,409

Monthly costs for a family of three with rent: $2,414 in Varazdin versus $1,900 in Cebu.

Varazdin $2,414
Cebu $1,900

Living in Varazdin is roughly 38% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Varazdin 6% lower, Cebu 32% lower.

Meal at Budget Restaurant

$11.43 €10.17

$3.09 ₱195

269.90%

Three-Course Dinner for Two, Mid-Range

$61.8 €55.0

$24.22 ₱1,525

155.33%

Fast Food Meal (McDonalds, etc)

$10.15 €9.03

$3.92 ₱247

158.93%

Cappuccino

$2.26 €2.01

$2.51 ₱158

-9.96%

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

$2.55 €2.27

$1.59 ₱100

60.38%

Water (0.33 liter bottle)

$1.96 €1.74

$0.53 ₱33.45

269.81%

Local Beer (0.5 liter draught)

$3.94 €3.50

$1.78 ₱112

121.35%

Imported Beer (0.33 liter bottle)

$3.43 €3.05

$2.17 ₱137

58.06%

Milk (1 liter)

$1.18 €1.05

$1.92 ₱121

-38.54%

White Bread (500g)

$1.64 €1.45

$1.36 ₱85.5

20.59%

Rice (white) (1kg)

$2.58 €2.29

$1.01 ₱63.6

155.45%

Eggs

$3.40 €3.02

$2.03 ₱128

67.49%

Local Cheese (1kg)

$5.49 €4.88

$9.86 ₱621

-44.32%

Chicken Fillets (1kg)

$8.31 €7.39

$4.39 ₱277

89.29%

Beef Round Steak (1kg)

$14.36 €12.77

$7.60 ₱479

88.95%

Apples (1kg)

$1.67 €1.49

$3.30 ₱208

-49.39%

Banana (1kg)

$1.70 €1.51

$1.39 ₱87.8

22.30%

Oranges (1kg)

$1.77 €1.57

$2.33 ₱147

-24.03%

Tomato (1kg)

$2.38 €2.11

$1.50 ₱94.3

58.67%

Potato (1kg)

$1.25 €1.11

$2.36 ₱149

-47.03%

Onion (1kg)

$1.14 €1.02

$1.90 ₱119

-40.00%

Lettuce (1 head)

$1.10 €0.97

$1.19 ₱74.9

-7.56%

Water (1.5 liter bottle)

$1.15 €1.02

$0.63 ₱39.73

82.54%

Cigarettes 20 Pack (Marlboro, Camel)

$5.64 €5.01

$3.00 ₱189

88.00%

Wine (Bottle)

$7.96 €7.08

$6.03 ₱380

32.01%

Local Beer (0.5 liter bottle)

$0.76 €0.67

$1.23 ₱77.7

-38.21%

Imported Beer (0.33 liter bottle)

$2.12 €1.89

$1.75 ₱110

21.14%

One-way Ticket (Public Transport)

$1.38 €1.23

$0.25 ₱15.87

452.00%

Public Transport Monthly Pass (Regular Price)

$44.38 €39.47

$12.64 ₱796

251.11%

Taxi Start (Normal Tariff)

$3.41 €3.03

$0.77 ₱48.64

342.86%

Taxi (Normal Tariff) (1km)

$1.42 €1.26

$0.23 ₱14.54

517.39%

Taxi 1hour Waiting (Normal Tariff)

$13.15 €11.69

$4.46 ₱281

194.84%

Gasoline (1 liter)

$1.64 €1.46

$1.31 ₱82.8

25.19%

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

$26.3K €23.4K

$21.2K ₱1.3M

23.66%

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

$23.5K €20.9K

$19.1K ₱1.2M

22.90%

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

$146 €130

$120 ₱7,573

21.32%

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

$13.93 €12.39

$14.00 ₱882

-0.50%

Internet (50+ Mbps, Unlimited Data)

$30.69 €27.30

$27.54 ₱1,735

11.44%

Gym Membership (Monthly)

$43.23 €38.45

$32.33 ₱2,036

33.71%

Tennis Court (1 Hour on Weekend)

$12.78 €11.37

$6.65 ₱419

92.18%

Cinema Ticket

$6.86 €6.10

$5.65 ₱356

21.42%

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

$154 €137

$275 ₱17.3K

-44.21%

International Primary School, 1 Child (Yearly)

$12.9K €11.5K

$7,918 ₱498.8K

63.04%

Jeans (Levis 501 Or Similar)

$73.5 €65.3

$49.33 ₱3,107

48.92%

Summer Dress (H&M, Zara, etc)

$33.37 €29.68

$25.24 ₱1,590

32.21%

Sport Shoes (Adidas, Nike)

$61.4 €54.6

$77.0 ₱4,848

-20.19%

Men's Leather Business Shoes

$71.9 €64.0

$57.2 ₱3,603

25.73%

1-bedroom Apartment, City Center (Monthly)

$560 €498

$500 ₱31.5K

12.15%

1-bedroom Apartment, Outside City Center (Monthly)

$422 €375

$309 ₱19.5K

36.63%

3-bedroom Apartment, City Center (Monthly)

$876 €779

$1,078 ₱67.9K

-18.77%

3-bedroom Apartment, Outside City Center (Monthly)

$467 €416

$615 ₱38.8K

-24.01%

Buy Apartment in City Center (m2)

$3,127 €2,781

$2,886 ₱181.8K

8.36%

Buy Apartment Outside City Center (m2)

$2,478 €2,204

$1,917 ₱120.7K

29.27%

Average Monthly Net Salary (After Tax)

$1,379 €1,227

$346 ₱21.8K

298.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

7.2

-48.19%

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

Last update for Varazdin: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Varazdin

$422 33.2%

Cebu

$309 33.6% 26.8% $113

Groceries & Markets

Varazdin

$239 18.8%

Cebu

$206 22.4% 13.8% $33

Eating Out

Varazdin

$194 15.3%

Cebu

$88 9.6% 54.4% $105

Monthly Utilities & Internet

Varazdin

$190 15%

Cebu

$162 17.6% 15.1% $29

Clothing & Footwear

Varazdin

$108 8.5%

Cebu

$94 10.2% 13.1% $14

Getting Around

Varazdin

$60 4.8%

Cebu

$16 1.7% 74.2% $45

Sport & Entertainment

Varazdin

$57 4.5%

Cebu

$44 4.8% 23.4% $13

Cost Breakdown

A one-bedroom apartment in the center runs $560 in Varazdin and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Varazdin pays 299% 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: $62.0 in Varazdin vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $239 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Varazdin

🇵🇭 Cebu

🕒 Local time

16:19 4:19 PM

22:19 10:19 PM

6 h ahead of Varazdin

🌤 Weather

👥 Population

43,782

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 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

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Between locations

Varazdin Cebu 10,490 km ≈ 14 h nonstop flight

From you

Varazdin
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

Varazdin vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 38% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 299% higher in Varazdin, 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: $560 in Varazdin versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,270 per month in Varazdin versus $918 in Cebu – a 38% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 251% less than in Varazdin. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,270 in Varazdin, a $1,500 budget is realistic in Cebu but tight or insufficient in Varazdin. 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 Varazdin, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Varazdin 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 38% less than in Varazdin. Beyond cost, consider language, visa policies, and how big the international community is in each city.