Last update: Oct 2026

Cost of Living Comparison Between Zabljak and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,128 in Zabljak, rent and utilities included – about $2,600 less a year. Rent and utilities account for most of the difference.

55

Cost of Living Index in Zabljak
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Zabljak Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Zabljak

🇲🇪 Montenegro

$1,128

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,128 in Zabljak versus $915 in Cebu.

Zabljak $1,128
Cebu $915

Estimated couple costs with rent: $1,769 in Zabljak versus $1,418 in Cebu.

Zabljak $1,769
Cebu $1,418

Monthly costs for a family of three with rent: $2,410 in Zabljak versus $1,921 in Cebu.

Zabljak $2,410
Cebu $1,921

Living in Zabljak is roughly 23% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Zabljak 17% lower, Cebu 33% lower.

Meal at Budget Restaurant

$7.95 €7.08

$3.05 ₱192

160.66%

Three-Course Dinner for Two, Mid-Range

$31.82 €28.30

$24.00 ₱1,511

32.58%

Fast Food Meal (McDonalds, etc)

$6.55 €5.82

$3.99 ₱251

64.16%

Cappuccino

$1.63 €1.45

$2.50 ₱157

-34.80%

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

$2.24 €2.00

$1.54 ₱97.1

45.45%

Water (0.33 liter bottle)

$1.45 €1.29

$0.50 ₱31.37

190.00%

Local Beer (0.5 liter draught)

$3.00 €2.66

$1.78 ₱112

68.54%

Imported Beer (0.33 liter bottle)

$3.54 €3.15

$2.17 ₱136

63.13%

Milk (1 liter)

$1.27 €1.13

$2.00 ₱126

-36.50%

White Bread (500g)

$0.65 €0.57

$1.37 ₱86.2

-52.55%

Rice (white) (1kg)

$1.31 €1.17

$1.03 ₱64.9

27.18%

Eggs

$2.97 €2.64

$2.03 ₱128

46.31%

Local Cheese (1kg)

$7.08 €6.30

$10.20 ₱642

-30.59%

Chicken Fillets (1kg)

$7.22 €6.42

$4.45 ₱280

62.25%

Beef Round Steak (1kg)

$12.23 €10.88

$7.67 ₱483

59.45%

Apples (1kg)

$1.32 €1.17

$3.31 ₱208

-60.12%

Banana (1kg)

$1.67 €1.49

$1.46 ₱91.8

14.38%

Oranges (1kg)

$1.51 €1.34

$2.32 ₱146

-34.91%

Tomato (1kg)

$1.41 €1.26

$1.49 ₱94.0

-5.37%

Potato (1kg)

$0.65 €0.58

$2.34 ₱147

-72.22%

Onion (1kg)

$0.70 €0.62

$1.94 ₱122

-63.92%

Lettuce (1 head)

$0.91 €0.81

$1.16 ₱73.0

-21.55%

Water (1.5 liter bottle)

$0.96 €0.86

$0.68 ₱42.89

41.18%

Cigarettes 20 Pack (Marlboro, Camel)

$4.01 €3.57

$2.99 ₱188

34.11%

Wine (Bottle)

$4.41 €3.92

$6.24 ₱393

-29.33%

Local Beer (0.5 liter bottle)

$1.07 €0.95

$1.23 ₱77.3

-13.01%

Imported Beer (0.33 liter bottle)

$1.73 €1.54

$1.73 ₱109

One-way Ticket (Public Transport)

$1.63 €1.45

$0.23 ₱14.36

608.70%

Public Transport Monthly Pass (Regular Price)

$39.55 €35.18

$12.34 ₱777

220.50%

Taxi Start (Normal Tariff)

$1.14 €1.02

$0.79 ₱49.96

44.30%

Taxi (Normal Tariff) (1km)

$0.64 €0.57

$0.22 ₱13.86

190.91%

Taxi 1hour Waiting (Normal Tariff)

$17.00 €15.12

$4.54 ₱286

274.45%

Gasoline (1 liter)

$1.77 €1.57

$1.32 ₱82.9

34.09%

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

$29.3K €26.1K

$21.0K ₱1.3M

39.58%

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

$25.6K €22.7K

$19.4K ₱1.2M

31.72%

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

$113 €101

$119 ₱7,464

-4.50%

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

$15.02 €13.36

$14.22 ₱896

5.63%

Internet (50+ Mbps, Unlimited Data)

$22.02 €19.58

$27.47 ₱1,730

-19.84%

Gym Membership (Monthly)

$46.30 €41.18

$32.31 ₱2,034

43.30%

Tennis Court (1 Hour on Weekend)

$14.72 €13.10

$6.50 ₱409

126.46%

Cinema Ticket

$6.21 €5.53

$5.40 ₱340

15.00%

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

$392 €349

$276 ₱17.4K

42.09%

International Primary School, 1 Child (Yearly)

$9,812 €8,728

$7,866 ₱495.3K

24.74%

Jeans (Levis 501 Or Similar)

$22.65 €20.15

$49.37 ₱3,108

-54.12%

Summer Dress (H&M, Zara, etc)

$27.47 €24.43

$24.58 ₱1,548

11.76%

Sport Shoes (Adidas, Nike)

$55.0 €48.89

$76.6 ₱4,825

-28.29%

Men's Leather Business Shoes

$67.7 €60.2

$58.9 ₱3,706

15.04%

1-bedroom Apartment, City Center (Monthly)

$645 €573

$503 ₱31.7K

28.05%

1-bedroom Apartment, Outside City Center (Monthly)

$455 €405

$305 ₱19.2K

49.38%

3-bedroom Apartment, City Center (Monthly)

$1,277 €1,135

$1,075 ₱67.7K

18.77%

3-bedroom Apartment, Outside City Center (Monthly)

$937 €834

$632 ₱39.8K

48.25%

Buy Apartment in City Center (m2)

$3,324 €2,956

$2,870 ₱180.7K

15.83%

Buy Apartment Outside City Center (m2)

$2,357 €2,097

$1,877 ₱118.2K

25.58%

Average Monthly Net Salary (After Tax)

$801 €713

$336 ₱21.1K

138.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

7.2

-17.36%

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

Last update for Zabljak: October 18, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Zabljak

$455 40.3%

Cebu

$305 33.3% 33.1% $150

Groceries & Markets

Zabljak

$196 17.4%

Cebu

$210 22.9% 6.8% $13

Monthly Utilities & Internet

Zabljak

$150 13.3%

Cebu

$160 17.5% 6.6% $10

Eating Out

Zabljak

$140 12.4%

Cebu

$88 9.6% 37.2% $52

Clothing & Footwear

Zabljak

$78 6.9%

Cebu

$94 10.3% 21.2% $16

Sport & Entertainment

Zabljak

$59 5.2%

Cebu

$43 4.7% 26.6% $16

Getting Around

Zabljak

$50 4.5%

Cebu

$15 1.7% 70% $35

Cost Breakdown

A one-bedroom apartment in the center runs $645 in Zabljak and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Zabljak pays 139% 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: $32.00 in Zabljak vs $24.00 in Cebu. Groceries flip the comparison at $196 vs $210, with Zabljak cheaper for home cooking.

Good to know

🇲🇪 Zabljak

🇵🇭 Cebu

🕒 Local time

00:55 12:55 AM

06:55 6:55 AM

6 h ahead of Zabljak

🌤 Weather

👥 Population

1,900

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 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 20, 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 →

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Between locations

Zabljak Cebu 10,400 km ≈ 13 h nonstop flight

From you

Zabljak
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

Zabljak vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, leisure, and transport. The 23% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 139% higher in Zabljak, 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: $645 in Zabljak versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,128 per month in Zabljak versus $915 in Cebu – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 221% less than in Zabljak. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,128 in Zabljak, a $1,500 budget is realistic in Cebu but tight or insufficient in Zabljak. 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 Zabljak, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zabljak 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 23% less than in Zabljak. Beyond cost, consider language, visa policies, and how big the international community is in each city.