Last update: Oct 2026

Cost of Living Comparison Between Yamba NSW and Cebu

For one person, living is cheaper in Cebu: $934 a month against $2,331 in Yamba NSW, rent and utilities included – about $16,800 less a year. Rent and utilities account for most of the difference.

120

Cost of Living Index in Yamba NSW
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Yamba NSW Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Yamba NSW

🇦🇺 Australia

$2,331

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,331 in Yamba NSW versus $934 in Cebu.

Yamba NSW $2,331
Cebu $934

Estimated couple costs with rent: $3,399 in Yamba NSW versus $1,423 in Cebu.

Yamba NSW $3,399
Cebu $1,423

Monthly costs for a family of three with rent: $4,466 in Yamba NSW versus $1,913 in Cebu.

Yamba NSW $4,466
Cebu $1,913

Living in Yamba NSW is roughly 150% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Yamba NSW is 71% above, Cebu is 31% below.

Meal at Budget Restaurant

$17.85 A$25.28

$3.79 ₱243

370.98%

Three-Course Dinner for Two, Mid-Range

$50.9 A$72.0

$23.33 ₱1,493

118.00%

Fast Food Meal (McDonalds, etc)

$11.11 A$15.73

$3.94 ₱252

181.98%

Cappuccino

$4.52 A$6.40

$2.54 ₱163

77.95%

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

$2.44 A$3.46

$1.57 ₱100

55.41%

Water (0.33 liter bottle)

$2.05 A$2.90

$0.47 ₱29.87

336.17%

Local Beer (0.5 liter draught)

$7.90 A$11.19

$1.77 ₱113

346.33%

Imported Beer (0.33 liter bottle)

$6.96 A$9.86

$2.22 ₱142

213.51%

Milk (1 liter)

$1.62 A$2.30

$1.90 ₱121

-14.74%

White Bread (500g)

$2.68 A$3.79

$1.36 ₱87.3

97.06%

Rice (white) (1kg)

$2.25 A$3.19

$0.94 ₱59.9

139.36%

Eggs

$4.90 A$6.94

$1.99 ₱127

146.23%

Local Cheese (1kg)

$9.25 A$13.10

$9.70 ₱621

-4.64%

Chicken Fillets (1kg)

$9.10 A$12.89

$4.32 ₱277

110.65%

Beef Round Steak (1kg)

$14.23 A$20.16

$7.51 ₱481

89.48%

Apples (1kg)

$4.34 A$6.14

$3.31 ₱212

31.12%

Banana (1kg)

$3.17 A$4.50

$1.37 ₱87.6

131.39%

Oranges (1kg)

$3.02 A$4.28

$2.34 ₱150

29.06%

Tomato (1kg)

$4.82 A$6.82

$1.49 ₱95.5

223.49%

Potato (1kg)

$2.87 A$4.06

$2.30 ₱147

24.78%

Onion (1kg)

$2.34 A$3.32

$1.87 ₱120

25.13%

Lettuce (1 head)

$2.33 A$3.30

$1.10 ₱70.5

111.82%

Water (1.5 liter bottle)

$1.24 A$1.75

$0.63 ₱40.42

96.83%

Cigarettes 20 Pack (Marlboro, Camel)

$38.44 A$54.5

$2.86 ₱183

1244.06%

Wine (Bottle)

$12.66 A$17.93

$6.08 ₱389

108.22%

Local Beer (0.5 liter bottle)

$5.30 A$7.50

$1.27 ₱81.6

317.32%

Imported Beer (0.33 liter bottle)

$4.92 A$6.97

$1.72 ₱110

186.05%

One-way Ticket (Public Transport)

$2.74 A$3.88

$0.22 ₱14.01

1145.45%

Public Transport Monthly Pass (Regular Price)

$73.1 A$104

$12.34 ₱790

492.71%

Taxi Start (Normal Tariff)

$3.09 A$4.38

$0.74 ₱47.61

317.57%

Taxi (Normal Tariff) (1km)

$1.87 A$2.65

$0.22 ₱14.11

750.00%

Taxi 1hour Waiting (Normal Tariff)

$41.70 A$59.1

$4.28 ₱274

874.30%

Gasoline (1 liter)

$1.41 A$1.99

$1.31 ₱83.8

7.63%

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

$29.8K A$42.2K

$20.8K ₱1.3M

43.55%

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

$25.5K A$36.1K

$19.0K ₱1.2M

33.97%

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

$162 A$230

$118 ₱7,577

37.21%

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

$26.59 A$37.67

$15.76 ₱1,009

68.72%

Internet (50+ Mbps, Unlimited Data)

$60.3 A$85.4

$28.33 ₱1,813

112.88%

Gym Membership (Monthly)

$58.0 A$82.2

$32.94 ₱2,108

76.14%

Tennis Court (1 Hour on Weekend)

$19.49 A$27.61

$6.49 ₱415

200.31%

Cinema Ticket

$14.27 A$20.21

$5.45 ₱349

161.83%

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

$1,974 A$2,796

$276 ₱17.6K

615.80%

International Primary School, 1 Child (Yearly)

$12.8K A$18.2K

$7,789 ₱498.5K

64.71%

Jeans (Levis 501 Or Similar)

$84.8 A$120

$48.18 ₱3,083

76.03%

Summer Dress (H&M, Zara, etc)

$44.72 A$63.4

$24.47 ₱1,566

82.75%

Sport Shoes (Adidas, Nike)

$111 A$158

$75.3 ₱4,818

47.79%

Men's Leather Business Shoes

$110 A$156

$58.0 ₱3,713

89.62%

1-bedroom Apartment, City Center (Monthly)

$1,424 A$2,017

$477 ₱30.5K

198.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,076 A$1,524

$322 ₱20.6K

234.40%

3-bedroom Apartment, City Center (Monthly)

$2,037 A$2,886

$963 ₱61.6K

111.52%

3-bedroom Apartment, Outside City Center (Monthly)

$1,765 A$2,500

$626 ₱40.0K

182.01%

Buy Apartment in City Center (m2)

$5,125 A$7,260

$4,551 ₱291.3K

12.61%

Buy Apartment Outside City Center (m2)

$5,432 A$7,695

$3,028 ₱193.8K

79.38%

Average Monthly Net Salary (After Tax)

$333 ₱21.3K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.81

7.2

-19.31%

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

Last update for Yamba NSW: October 26, 2026

Last update for Cebu: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Yamba NSW

$1.1K 46.2%

Cebu

$322 34.5% 70.1% $754

Groceries & Markets

Yamba NSW

$363 15.6%

Cebu

$204 21.8% 43.9% $160

Eating Out

Yamba NSW

$302 12.9%

Cebu

$94 10.1% 68.8% $208

Monthly Utilities & Internet

Yamba NSW

$249 10.7%

Cebu

$163 17.4% 34.8% $87

Clothing & Footwear

Yamba NSW

$158 6.8%

Cebu

$93 9.9% 41.3% $65

Getting Around

Yamba NSW

$97 4.1%

Cebu

$15 1.6% 84.4% $81

Sport & Entertainment

Yamba NSW

$87 3.7%

Cebu

$44 4.7% 49.3% $43

Cost Breakdown

A one-bedroom apartment in the center runs $1,424 in Yamba NSW and $477 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $51 in Yamba NSW vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $363 vs $204 per month, with Cebu cheaper across the board.

Good to know

🇦🇺 Yamba NSW

🇵🇭 Cebu

🕒 Local time

20:20 8:20 PM

17:20 5:20 PM

3 h behind Yamba NSW

🌤 Weather

👥 Population

6,913

964,169

💱 Currency

Australian Dollar AUD $

Philippine Peso PHP ₱

📈 Exchange rate

1 AUD = 0.706 USD

1 AUD = 0.633 EUR

100 PHP = 1.56 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

PHP, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 29, 2026: 1 USD = 1.42 AUD (1 AUD = 0.706 USD). 1 EUR = 1.58 AUD (1 AUD = 0.633 EUR).

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.41 PHP (100 PHP = 1.4 EUR).

USD to AUD in detail →

On the map

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Between locations

Yamba NSW Cebu 5,430 km ≈ 7 h nonstop flight

From you

Yamba NSW
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

Yamba NSW vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is about 60% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $3,497 in Yamba NSW and $1,401 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: $1,424 in Yamba NSW versus $477 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,331 per month in Yamba NSW versus $934 in Cebu – Cebu is about 60% cheaper, which adds up to real savings over time.

A monthly transit pass in Cebu runs roughly 83% less than in Yamba NSW. The price difference matters if you commute daily and watch your budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Yamba NSW and Cebu are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Cebu gentler on the wallet – expenses run 60% less than in Yamba NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.