Last update: Oct 2026

Cost of Living Comparison Between Worms and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,924 in Worms, rent and utilities included – about $12,100 less a year. Rent and utilities account for about half of the difference.

94

Cost of Living Index in Worms
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Worms Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Worms

🇩🇪 Germany

$1,924

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,924 in Worms versus $918 in Cebu.

Worms $1,924
Cebu $918

Estimated couple costs with rent: $2,948 in Worms versus $1,409 in Cebu.

Worms $2,948
Cebu $1,409

Monthly costs for a family of three with rent: $3,973 in Worms versus $1,900 in Cebu.

Worms $3,973
Cebu $1,900

Living in Worms is roughly 110% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Worms is 42% above, Cebu is 32% below.

Meal at Budget Restaurant

$16.80 €14.95

$3.09 ₱194

443.69%

Three-Course Dinner for Two, Mid-Range

$83.6 €74.4

$24.22 ₱1,525

245.33%

Fast Food Meal (McDonalds, etc)

$12.46 €11.09

$3.92 ₱247

217.86%

Cappuccino

$3.99 €3.55

$2.51 ₱158

58.96%

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

$3.96 €3.53

$1.59 ₱100

149.06%

Water (0.33 liter bottle)

$3.36 €2.99

$0.53 ₱33.43

533.96%

Local Beer (0.5 liter draught)

$5.35 €4.76

$1.78 ₱112

200.56%

Imported Beer (0.33 liter bottle)

$4.26 €3.79

$2.17 ₱137

96.31%

Milk (1 liter)

$1.49 €1.32

$1.92 ₱121

-22.40%

White Bread (500g)

$2.13 €1.90

$1.36 ₱85.4

56.62%

Rice (white) (1kg)

$4.00 €3.56

$1.01 ₱63.5

296.04%

Eggs

$3.34 €2.97

$2.03 ₱128

64.53%

Local Cheese (1kg)

$13.77 €12.25

$9.86 ₱621

39.66%

Chicken Fillets (1kg)

$9.99 €8.88

$4.39 ₱277

127.56%

Beef Round Steak (1kg)

$26.24 €23.34

$7.60 ₱479

245.26%

Apples (1kg)

$3.20 €2.85

$3.30 ₱208

-3.03%

Banana (1kg)

$2.19 €1.95

$1.39 ₱87.8

57.55%

Oranges (1kg)

$1.95 €1.73

$2.33 ₱147

-16.31%

Tomato (1kg)

$3.79 €3.37

$1.50 ₱94.3

152.67%

Potato (1kg)

$1.18 €1.05

$2.36 ₱149

-50.00%

Onion (1kg)

$1.24 €1.10

$1.90 ₱119

-34.74%

Lettuce (1 head)

$1.52 €1.35

$1.19 ₱74.9

27.73%

Water (1.5 liter bottle)

$1.11 €0.99

$0.63 ₱39.71

76.19%

Cigarettes 20 Pack (Marlboro, Camel)

$9.75 €8.67

$3.00 ₱189

225.00%

Wine (Bottle)

$5.71 €5.08

$6.03 ₱379

-5.31%

Local Beer (0.5 liter bottle)

$1.13 €1.01

$1.23 ₱77.7

-8.13%

Imported Beer (0.33 liter bottle)

$1.48 €1.31

$1.75 ₱110

-15.43%

One-way Ticket (Public Transport)

$3.22 €2.87

$0.25 ₱15.86

1188.00%

Public Transport Monthly Pass (Regular Price)

$67.2 €59.8

$12.64 ₱796

431.57%

Taxi Start (Normal Tariff)

$4.13 €3.67

$0.77 ₱48.62

436.36%

Taxi (Normal Tariff) (1km)

$2.26 €2.01

$0.23 ₱14.53

882.61%

Taxi 1hour Waiting (Normal Tariff)

$36.37 €32.35

$4.46 ₱281

715.47%

Gasoline (1 liter)

$2.21 €1.97

$1.31 ₱82.8

68.70%

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

$33.0K €29.3K

$21.2K ₱1.3M

55.16%

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

$38.8K €34.5K

$19.1K ₱1.2M

102.66%

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

$277 €247

$120 ₱7,569

130.55%

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

$26.63 €23.68

$14.00 ₱882

90.21%

Internet (50+ Mbps, Unlimited Data)

$38.89 €34.59

$27.54 ₱1,734

41.21%

Gym Membership (Monthly)

$39.29 €34.95

$32.33 ₱2,035

21.53%

Tennis Court (1 Hour on Weekend)

$23.54 €20.94

$6.65 ₱419

253.98%

Cinema Ticket

$13.46 €11.97

$5.65 ₱356

138.23%

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

$520 €463

$275 ₱17.3K

88.98%

International Primary School, 1 Child (Yearly)

$17.9K €15.9K

$7,918 ₱498.5K

125.46%

Jeans (Levis 501 Or Similar)

$85.4 €76.0

$49.33 ₱3,106

73.08%

Summer Dress (H&M, Zara, etc)

$34.65 €30.82

$25.24 ₱1,589

37.28%

Sport Shoes (Adidas, Nike)

$95.8 €85.2

$77.0 ₱4,846

24.43%

Men's Leather Business Shoes

$137 €122

$57.2 ₱3,601

139.70%

1-bedroom Apartment, City Center (Monthly)

$796 €708

$500 ₱31.5K

59.32%

1-bedroom Apartment, Outside City Center (Monthly)

$639 €569

$309 ₱19.4K

107.00%

3-bedroom Apartment, City Center (Monthly)

$1,471 €1,308

$1,078 ₱67.9K

36.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,113 €990

$615 ₱38.7K

80.96%

Buy Apartment in City Center (m2)

$5,421 €4,822

$2,886 ₱181.7K

87.84%

Buy Apartment Outside City Center (m2)

$3,771 €3,354

$1,917 ₱120.7K

96.76%

Average Monthly Net Salary (After Tax)

$2,990 €2,660

$346 ₱21.8K

764.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.62

7.2

-49.72%

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

Last update for Worms: 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

Worms

$639 33.2%

Cebu

$309 33.6% 51.7% $330

Monthly Utilities & Internet

Worms

$343 17.8%

Cebu

$162 17.6% 52.8% $181

Groceries & Markets

Worms

$337 17.5%

Cebu

$206 22.4% 38.9% $131

Eating Out

Worms

$284 14.8%

Cebu

$88 9.6% 68.9% $196

Clothing & Footwear

Worms

$159 8.3%

Cebu

$94 10.2% 40.9% $65

Getting Around

Worms

$96 5%

Cebu

$16 1.7% 83.7% $80

Sport & Entertainment

Worms

$66 3.4%

Cebu

$44 4.8% 34.1% $23

Cost Breakdown

A one-bedroom apartment in the center runs $796 in Worms and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Worms pays 764% 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: $84.0 in Worms vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $337 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇩🇪 Worms

🇵🇭 Cebu

🕒 Local time

01:03 1:03 AM

07:03 7:03 AM

6 h ahead of Worms

🌤 Weather

👥 Population

86,283

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 = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

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Between locations

Worms Cebu 10,890 km ≈ 14 h nonstop flight

From you

Worms
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

Worms vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 110% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 764% higher in Worms, 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: $796 in Worms versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,924 per month in Worms versus $918 in Cebu – a 110% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 432% less than in Worms. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,924 in Worms, a $1,500 budget is realistic in Cebu but tight or insufficient in Worms. 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 Worms, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Worms 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 110% less than in Worms. Beyond cost, consider language, visa policies, and how big the international community is in each city.