Last update: Oct 2026

Cost of Living Comparison Between Xghajra and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,898 in Xghajra, rent and utilities included – about $11,800 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Xghajra
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Xghajra Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Xghajra

🇲🇹 Malta

$1,898

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,898 in Xghajra versus $918 in Cebu.

Xghajra $1,898
Cebu $918

Estimated couple costs with rent: $2,858 in Xghajra versus $1,409 in Cebu.

Xghajra $2,858
Cebu $1,409

Monthly costs for a family of three with rent: $3,819 in Xghajra versus $1,900 in Cebu.

Xghajra $3,819
Cebu $1,900

Living in Xghajra is roughly 107% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Xghajra is 41% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.50 €17.35

$3.09 ₱194

531.07%

Three-Course Dinner for Two, Mid-Range

$86.2 €76.7

$24.22 ₱1,525

256.07%

Fast Food Meal (McDonalds, etc)

$13.18 €11.72

$3.92 ₱247

236.22%

Cappuccino

$2.68 €2.38

$2.51 ₱158

6.77%

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

$3.07 €2.73

$1.59 ₱100

93.08%

Water (0.33 liter bottle)

$2.16 €1.92

$0.53 ₱33.43

307.55%

Local Beer (0.5 liter draught)

$4.64 €4.13

$1.78 ₱112

160.67%

Imported Beer (0.33 liter bottle)

$5.08 €4.52

$2.17 ₱137

134.10%

Milk (1 liter)

$1.33 €1.18

$1.92 ₱121

-30.73%

White Bread (500g)

$1.36 €1.21

$1.36 ₱85.4

Rice (white) (1kg)

$4.36 €3.88

$1.01 ₱63.5

331.68%

Eggs

$4.20 €3.73

$2.03 ₱128

106.90%

Local Cheese (1kg)

$8.14 €7.24

$9.86 ₱621

-17.44%

Chicken Fillets (1kg)

$10.24 €9.11

$4.39 ₱277

133.26%

Beef Round Steak (1kg)

$18.03 €16.04

$7.60 ₱479

137.24%

Apples (1kg)

$4.26 €3.79

$3.30 ₱208

29.09%

Banana (1kg)

$2.68 €2.38

$1.39 ₱87.8

92.81%

Oranges (1kg)

$3.55 €3.16

$2.33 ₱147

52.36%

Tomato (1kg)

$3.41 €3.03

$1.50 ₱94.3

127.33%

Potato (1kg)

$2.45 €2.18

$2.36 ₱149

3.81%

Onion (1kg)

$2.04 €1.82

$1.90 ₱119

7.37%

Lettuce (1 head)

$2.30 €2.04

$1.19 ₱74.9

93.28%

Water (1.5 liter bottle)

$1.30 €1.16

$0.63 ₱39.71

106.35%

Cigarettes 20 Pack (Marlboro, Camel)

$6.59 €5.86

$3.00 ₱189

119.67%

Wine (Bottle)

$7.92 €7.05

$6.03 ₱379

31.34%

Local Beer (0.5 liter bottle)

$1.77 €1.58

$1.23 ₱77.7

43.90%

Imported Beer (0.33 liter bottle)

$2.34 €2.09

$1.75 ₱110

33.71%

One-way Ticket (Public Transport)

$2.05 €1.82

$0.25 ₱15.86

720.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$5.61 €4.99

$0.77 ₱48.62

628.57%

Taxi (Normal Tariff) (1km)

$2.28 €2.03

$0.23 ₱14.53

891.30%

Taxi 1hour Waiting (Normal Tariff)

$26.77 €23.81

$4.46 ₱281

500.22%

Gasoline (1 liter)

$1.51 €1.35

$1.31 ₱82.8

15.27%

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

$37.5K €33.4K

$21.2K ₱1.3M

76.52%

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

$38.6K €34.3K

$19.1K ₱1.2M

101.60%

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

$101 €89.5

$120 ₱7,569

-16.29%

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

$24.98 €22.22

$14.00 ₱882

78.43%

Internet (50+ Mbps, Unlimited Data)

$42.70 €37.98

$27.54 ₱1,734

55.05%

Gym Membership (Monthly)

$65.7 €58.4

$32.33 ₱2,035

103.12%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$10.09 €8.98

$5.65 ₱356

78.58%

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

$370 €329

$275 ₱17.3K

34.31%

International Primary School, 1 Child (Yearly)

$11.0K €9,791

$7,918 ₱498.5K

39.02%

Jeans (Levis 501 Or Similar)

$88.0 €78.3

$49.33 ₱3,106

78.43%

Summer Dress (H&M, Zara, etc)

$40.92 €36.40

$25.24 ₱1,589

62.12%

Sport Shoes (Adidas, Nike)

$97.8 €87.0

$77.0 ₱4,846

27.01%

Men's Leather Business Shoes

$77.8 €69.2

$57.2 ₱3,601

36.01%

1-bedroom Apartment, City Center (Monthly)

$1,023 €910

$500 ₱31.5K

104.77%

1-bedroom Apartment, Outside City Center (Monthly)

$874 €778

$309 ₱19.4K

183.10%

3-bedroom Apartment, City Center (Monthly)

$1,752 €1,559

$1,078 ₱67.9K

62.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,331 €1,184

$615 ₱38.7K

116.29%

Buy Apartment in City Center (m2)

$3,922 €3,489

$2,886 ₱181.7K

35.91%

Buy Apartment Outside City Center (m2)

$2,921 €2,599

$1,917 ₱120.7K

52.43%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

2.9

7.2

-59.72%

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

Last update for Xghajra: 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

Xghajra

$874 46.1%

Cebu

$309 33.6% 64.7% $565

Groceries & Markets

Xghajra

$325 17.1%

Cebu

$206 22.4% 36.7% $119

Eating Out

Xghajra

$282 14.9%

Cebu

$88 9.6% 68.7% $194

Monthly Utilities & Internet

Xghajra

$168 8.9%

Cebu

$162 17.6% 3.9% $6.5

Clothing & Footwear

Xghajra

$137 7.2%

Cebu

$94 10.2% 31.4% $43

Sport & Entertainment

Xghajra

$86 4.5%

Cebu

$44 4.8% 49.2% $42

Getting Around

Xghajra

$25 * 1.3%

Cebu

$16 1.7% 38.2% $9.6

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 $1,023 in Xghajra and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $86.0 in Xghajra vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $325 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇲🇹 Xghajra

🇵🇭 Cebu

🕒 Local time

13:48 1:48 PM

19:48 7:48 PM

6 h ahead of Xghajra

🌤 Weather

👥 Population

2,000

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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 18, 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

Xghajra Cebu 11,030 km ≈ 14 h nonstop flight

From you

Xghajra
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

Xghajra vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 107% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,847 in Xghajra 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: $1,023 in Xghajra versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 58% higher in Xghajra. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,898 per month in Xghajra versus $918 in Cebu – a 107% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,898 in Xghajra, a $1,500 budget is realistic in Cebu but tight or insufficient in Xghajra. 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 Xghajra, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Xghajra 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 107% less than in Xghajra. Beyond cost, consider language, visa policies, and how big the international community is in each city.