Last update: Oct 2026

Cost of Living Comparison Between Xaghra and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,986 in Xaghra, rent and utilities included – about $12,800 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Xaghra
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Xaghra Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Xaghra

🇲🇹 Malta

$1,986

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,986 in Xaghra versus $918 in Cebu.

Xaghra $1,986
Cebu $918

Estimated couple costs with rent: $2,970 in Xaghra versus $1,409 in Cebu.

Xaghra $2,970
Cebu $1,409

Monthly costs for a family of three with rent: $3,953 in Xaghra versus $1,900 in Cebu.

Xaghra $3,953
Cebu $1,900

Living in Xaghra is roughly 116% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Xaghra is 47% above, Cebu is 32% below.

Meal at Budget Restaurant

$10.07 €8.96

$3.09 ₱194

225.89%

Three-Course Dinner for Two, Mid-Range

$88.2 €78.5

$24.22 ₱1,525

264.16%

Fast Food Meal (McDonalds, etc)

$13.50 €12.01

$3.92 ₱247

244.39%

Cappuccino

$3.19 €2.83

$2.51 ₱158

27.09%

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

$2.39 €2.12

$1.59 ₱100

50.31%

Water (0.33 liter bottle)

$1.93 €1.72

$0.53 ₱33.43

264.15%

Local Beer (0.5 liter draught)

$5.46 €4.85

$1.78 ₱112

206.74%

Imported Beer (0.33 liter bottle)

$6.50 €5.78

$2.17 ₱137

199.54%

Milk (1 liter)

$1.36 €1.21

$1.92 ₱121

-29.17%

White Bread (500g)

$1.44 €1.28

$1.36 ₱85.4

5.88%

Rice (white) (1kg)

$3.38 €3.01

$1.01 ₱63.5

234.65%

Eggs

$2.07 €1.84

$2.03 ₱128

1.97%

Local Cheese (1kg)

$10.52 €9.35

$9.86 ₱621

6.69%

Chicken Fillets (1kg)

$12.15 €10.81

$4.39 ₱277

176.77%

Beef Round Steak (1kg)

$18.35 €16.32

$7.60 ₱479

141.45%

Apples (1kg)

$3.83 €3.40

$3.30 ₱208

16.06%

Banana (1kg)

$2.77 €2.47

$1.39 ₱87.8

99.28%

Oranges (1kg)

$3.99 €3.55

$2.33 ₱147

71.24%

Tomato (1kg)

$3.79 €3.37

$1.50 ₱94.3

152.67%

Potato (1kg)

$1.86 €1.66

$2.36 ₱149

-21.19%

Onion (1kg)

$3.27 €2.91

$1.90 ₱119

72.11%

Lettuce (1 head)

$2.18 €1.94

$1.19 ₱74.9

83.19%

Water (1.5 liter bottle)

$0.91 €0.81

$0.63 ₱39.71

44.44%

Cigarettes 20 Pack (Marlboro, Camel)

$6.41 €5.70

$3.00 ₱189

113.67%

Wine (Bottle)

$5.78 €5.14

$6.03 ₱379

-4.15%

Local Beer (0.5 liter bottle)

$2.40 €2.13

$1.23 ₱77.7

95.12%

Imported Beer (0.33 liter bottle)

$2.35 €2.09

$1.75 ₱110

34.29%

One-way Ticket (Public Transport)

$2.54 €2.26

$0.25 ₱15.86

916.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$3.86 €3.43

$0.77 ₱48.62

401.30%

Taxi (Normal Tariff) (1km)

$1.76 €1.57

$0.23 ₱14.53

665.22%

Taxi 1hour Waiting (Normal Tariff)

$32.86 €29.23

$4.46 ₱281

636.77%

Gasoline (1 liter)

$1.48 €1.32

$1.31 ₱82.8

12.98%

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

$27.8K €24.7K

$21.2K ₱1.3M

30.89%

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

$38.9K €34.6K

$19.1K ₱1.2M

103.00%

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

$157 €140

$120 ₱7,569

30.88%

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

$30.53 €27.15

$14.00 ₱882

118.07%

Internet (50+ Mbps, Unlimited Data)

$29.78 €26.49

$27.54 ₱1,734

8.13%

Gym Membership (Monthly)

$64.8 €57.6

$32.33 ₱2,035

100.31%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$11.12 €9.89

$5.65 ₱356

96.81%

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

$278 €247

$275 ₱17.3K

0.81%

International Primary School, 1 Child (Yearly)

$12.1K €10.7K

$7,918 ₱498.5K

52.35%

Jeans (Levis 501 Or Similar)

$56.8 €50.5

$49.33 ₱3,106

15.12%

Summer Dress (H&M, Zara, etc)

$69.8 €62.1

$25.24 ₱1,589

176.58%

Sport Shoes (Adidas, Nike)

$113 €101

$77.0 ₱4,846

46.88%

Men's Leather Business Shoes

$131 €116

$57.2 ₱3,601

128.83%

1-bedroom Apartment, City Center (Monthly)

$1,118 €994

$500 ₱31.5K

123.75%

1-bedroom Apartment, Outside City Center (Monthly)

$947 €842

$309 ₱19.4K

206.69%

3-bedroom Apartment, City Center (Monthly)

$1,753 €1,559

$1,078 ₱67.9K

62.64%

3-bedroom Apartment, Outside City Center (Monthly)

$1,475 €1,312

$615 ₱38.7K

139.82%

Buy Apartment in City Center (m2)

$4,242 €3,773

$2,886 ₱181.7K

46.98%

Buy Apartment Outside City Center (m2)

$2,915 €2,593

$1,917 ₱120.7K

52.11%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

4.05

7.2

-43.75%

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

Last update for Xaghra: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Xaghra

$947 47.7%

Cebu

$309 33.6% 67.4% $638

Groceries & Markets

Xaghra

$328 16.5%

Cebu

$206 22.4% 37.2% $122

Monthly Utilities & Internet

Xaghra

$218 11%

Cebu

$162 17.6% 25.7% $56

Eating Out

Xaghra

$217 10.9%

Cebu

$88 9.6% 59.3% $129

Clothing & Footwear

Xaghra

$167 8.4%

Cebu

$94 10.2% 43.7% $73

Sport & Entertainment

Xaghra

$87 4.4%

Cebu

$44 4.8% 49.9% $43

Getting Around

Xaghra

$23 * 1.2%

Cebu

$16 1.7% 31.8% $7.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,118 in Xaghra and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $88.0 in Xaghra vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $328 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇲🇹 Xaghra

🇵🇭 Cebu

🕒 Local time

14:31 2:31 PM

20:31 8:31 PM

6 h ahead of Xaghra

🌤 Weather

👥 Population

4,100

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Xaghra Cebu 11,050 km ≈ 14 h nonstop flight

From you

Xaghra
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

Xaghra vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 116% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,979 in Xaghra 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: $1,118 in Xaghra versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 59% higher in Xaghra. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,986 per month in Xaghra versus $918 in Cebu – a 116% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,986 in Xaghra, a $1,500 budget is realistic in Cebu but tight or insufficient in Xaghra. 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 Xaghra, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Xaghra 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 116% less than in Xaghra. Beyond cost, consider language, visa policies, and how big the international community is in each city.