Last update: Oct 2026

Cost of Living Comparison Between Windhoek and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,171 in Windhoek, rent and utilities included – about $2,800 less a year. Other living expenses account for most of the difference.

57

Cost of Living Index in Windhoek
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Windhoek Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Windhoek

🇳🇦 Namibia

$1,171

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,171 in Windhoek versus $934 in Cebu.

Windhoek $1,171
Cebu $934

Estimated couple costs with rent: $1,979 in Windhoek versus $1,415 in Cebu.

Windhoek $1,979
Cebu $1,415

Monthly costs for a family of three with rent: $2,787 in Windhoek versus $1,896 in Cebu.

Windhoek $2,787
Cebu $1,896

Living in Windhoek is roughly 25% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Windhoek 13% lower, Cebu 30% lower.

Meal at Budget Restaurant

$11.46 NAD 189

$3.03 ₱190

278.22%

Three-Course Dinner for Two, Mid-Range

$63.0 NAD 1,040

$23.48 ₱1,473

168.44%

Fast Food Meal (McDonalds, etc)

$5.84 NAD 96.4

$4.09 ₱256

42.79%

Cappuccino

$2.35 NAD 38.73

$2.52 ₱158

-6.75%

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

$0.87 NAD 14.32

$1.54 ₱96.9

-43.51%

Water (0.33 liter bottle)

$0.87 NAD 14.41

$0.49 ₱30.98

77.55%

Local Beer (0.5 liter draught)

$1.98 NAD 32.67

$1.79 ₱112

10.61%

Imported Beer (0.33 liter bottle)

$2.12 NAD 34.95

$2.26 ₱142

-6.19%

Milk (1 liter)

$1.53 NAD 25.27

$1.95 ₱122

-21.54%

White Bread (500g)

$0.95 NAD 15.62

$1.43 ₱89.7

-33.57%

Rice (white) (1kg)

$1.93 NAD 31.81

$1.02 ₱63.8

89.22%

Eggs

$3.17 NAD 52.3

$2.06 ₱129

53.88%

Local Cheese (1kg)

$9.47 NAD 156

$9.81 ₱615

-3.47%

Chicken Fillets (1kg)

$6.63 NAD 109

$4.61 ₱289

43.82%

Beef Round Steak (1kg)

$7.60 NAD 125

$7.70 ₱483

-1.30%

Apples (1kg)

$2.15 NAD 35.47

$3.31 ₱207

-35.05%

Banana (1kg)

$1.89 NAD 31.21

$1.45 ₱90.9

30.34%

Oranges (1kg)

$1.88 NAD 31.07

$2.36 ₱148

-20.34%

Tomato (1kg)

$1.98 NAD 32.61

$1.54 ₱96.4

28.57%

Potato (1kg)

$2.00 NAD 33.07

$2.36 ₱148

-15.25%

Onion (1kg)

$1.82 NAD 30.00

$1.99 ₱125

-8.54%

Lettuce (1 head)

$1.95 NAD 32.14

$1.15 ₱72.1

69.57%

Water (1.5 liter bottle)

$1.07 NAD 17.64

$0.67 ₱42.15

59.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 NAD 54.8

$3.00 ₱188

10.67%

Wine (Bottle)

$6.78 NAD 112

$6.35 ₱398

6.77%

Local Beer (0.5 liter bottle)

$1.41 NAD 23.19

$1.31 ₱81.9

7.63%

Imported Beer (0.33 liter bottle)

$1.42 NAD 23.47

$1.73 ₱108

-17.92%

One-way Ticket (Public Transport)

$0.74 NAD 12.25

$0.25 ₱15.78

196.00%

Public Transport Monthly Pass (Regular Price)

$48.69 NAD 803

$12.65 ₱793

284.90%

Taxi Start (Normal Tariff)

$0.82 NAD 13.50

$0.74 ₱46.32

10.81%

Taxi (Normal Tariff) (1km)

$0.87 NAD 14.34

$0.21 ₱13.11

314.29%

Taxi 1hour Waiting (Normal Tariff)

$15.56 NAD 257

$4.33 ₱271

259.35%

Gasoline (1 liter)

$1.34 NAD 22.10

$1.33 ₱83.5

0.75%

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

$24.3K NAD 400.3K

$21.8K ₱1.4M

11.45%

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

$27.1K NAD 447.1K

$19.4K ₱1.2M

39.70%

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

$139 NAD 2,287

$121 ₱7,563

14.93%

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

$25.91 NAD 428

$14.45 ₱907

79.31%

Internet (50+ Mbps, Unlimited Data)

$51.4 NAD 847

$28.29 ₱1,774

81.51%

Gym Membership (Monthly)

$37.58 NAD 620

$32.68 ₱2,050

14.99%

Tennis Court (1 Hour on Weekend)

$10.56 NAD 174

$6.39 ₱401

65.26%

Cinema Ticket

$5.32 NAD 87.7

$5.46 ₱342

-2.56%

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

$209 NAD 3,445

$273 ₱17.1K

-23.63%

International Primary School, 1 Child (Yearly)

$5,376 NAD 88.7K

$8,156 ₱511.5K

-34.09%

Jeans (Levis 501 Or Similar)

$53.9 NAD 890

$49.57 ₱3,109

8.80%

Summer Dress (H&M, Zara, etc)

$33.95 NAD 560

$24.87 ₱1,560

36.51%

Sport Shoes (Adidas, Nike)

$91.0 NAD 1,501

$76.6 ₱4,804

18.79%

Men's Leather Business Shoes

$95.4 NAD 1,574

$59.3 ₱3,717

60.93%

1-bedroom Apartment, City Center (Monthly)

$492 NAD 8,120

$506 ₱31.7K

-2.68%

1-bedroom Apartment, Outside City Center (Monthly)

$357 NAD 5,885

$309 ₱19.4K

15.28%

3-bedroom Apartment, City Center (Monthly)

$1,138 NAD 18.8K

$1,052 ₱66.0K

8.18%

3-bedroom Apartment, Outside City Center (Monthly)

$868 NAD 14.3K

$619 ₱38.8K

40.30%

Buy Apartment in City Center (m2)

$1,615 NAD 26.6K

$2,915 ₱182.9K

-44.60%

Buy Apartment Outside City Center (m2)

$601 NAD 9,922

$1,867 ₱117.1K

-67.80%

Average Monthly Net Salary (After Tax)

$989 NAD 16.3K

$341 ₱21.4K

189.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

11.42

7.2

58.61%

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

Last update for Windhoek: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Windhoek

$357 30.2%

Cebu

$309 33.5% 13.2% $47

Groceries & Markets

Windhoek

$223 18.8%

Cebu

$210 22.7% 5.6% $12

Monthly Utilities & Internet

Windhoek

$216 18.3%

Cebu

$163 17.7% 24.3% $53

Eating Out

Windhoek

$159 13.4%

Cebu

$88 9.6% 44.2% $70

Clothing & Footwear

Windhoek

$123 10.4%

Cebu

$95 10.2% 23.3% $29

Getting Around

Windhoek

$57 4.8%

Cebu

$15 1.7% 72.8% $41

Sport & Entertainment

Windhoek

$48 4.1%

Cebu

$44 4.7% 9.6% $4.6

Cost Breakdown

A one-bedroom apartment in the center runs $492 in Windhoek and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Windhoek pays 190% 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: $63.0 in Windhoek vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $223 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇳🇦 Windhoek

🇵🇭 Cebu

🕒 Local time

09:28 9:28 AM

15:28 3:28 PM

6 h ahead of Windhoek

🌤 Weather

👥 Population

322,500 Capital

964,169

💱 Currency

Namibian Dollar NAD $

Philippine Peso PHP ₱

📈 Exchange rate

100 NAD = 6.06 USD

100 NAD = 5.4 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to NAD – Namibian Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇦 Namibian Dollar ($)

Namibian Dollar exchange rates as of October 10, 2026: 1 USD = 16.5 NAD (100 NAD = 6.06 USD). 1 EUR = 18.51 NAD (100 NAD = 5.4 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to NAD in detail →

On the map

Lowest

Highest

Between locations

Windhoek Cebu 12,160 km ≈ 16 h nonstop flight

From you

Windhoek
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

Windhoek vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 25% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 190% higher in Windhoek, 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: $492 in Windhoek versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,171 per month in Windhoek versus $934 in Cebu – a 25% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 285% less than in Windhoek. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,171 in Windhoek, a $1,500 budget is realistic in Cebu but tight or insufficient in Windhoek. 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 Windhoek, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Windhoek 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 25% less than in Windhoek. Beyond cost, consider language, visa policies, and how big the international community is in each city.