Last update: Oct 2026

Cost of Living Comparison Between Zadar and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,687 in Zadar, rent and utilities included – about $9,200 less a year. Rent and utilities account for most of the difference.

82

Cost of Living Index in Zadar
Learn more

Zadar Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Zadar

🇭🇷 Croatia

$1,687

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,687 in Zadar versus $918 in Cebu.

Zadar $1,687
Cebu $918

Estimated couple costs with rent: $2,572 in Zadar versus $1,409 in Cebu.

Zadar $2,572
Cebu $1,409

Monthly costs for a family of three with rent: $3,457 in Zadar versus $1,900 in Cebu.

Zadar $3,457
Cebu $1,900

Living in Zadar is roughly 84% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Zadar is 25% above, Cebu is 32% below.

Meal at Budget Restaurant

$14.55 €12.94

$3.09 ₱195

370.87%

Three-Course Dinner for Two, Mid-Range

$78.3 €69.7

$24.22 ₱1,525

223.41%

Fast Food Meal (McDonalds, etc)

$7.67 €6.83

$3.92 ₱247

95.66%

Cappuccino

$2.40 €2.13

$2.51 ₱158

-4.38%

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

$2.96 €2.63

$1.59 ₱100

86.16%

Water (0.33 liter bottle)

$2.19 €1.95

$0.53 ₱33.45

313.21%

Local Beer (0.5 liter draught)

$3.29 €2.92

$1.78 ₱112

84.83%

Imported Beer (0.33 liter bottle)

$4.54 €4.04

$2.17 ₱137

109.22%

Milk (1 liter)

$1.17 €1.04

$1.92 ₱121

-39.06%

White Bread (500g)

$1.63 €1.45

$1.36 ₱85.5

19.85%

Rice (white) (1kg)

$3.14 €2.79

$1.01 ₱63.6

210.89%

Eggs

$3.77 €3.35

$2.03 ₱128

85.71%

Local Cheese (1kg)

$10.80 €9.60

$9.86 ₱621

9.53%

Chicken Fillets (1kg)

$9.47 €8.43

$4.39 ₱277

115.72%

Beef Round Steak (1kg)

$12.03 €10.70

$7.60 ₱479

58.29%

Apples (1kg)

$1.98 €1.76

$3.30 ₱208

-40.00%

Banana (1kg)

$1.52 €1.35

$1.39 ₱87.8

9.35%

Oranges (1kg)

$2.16 €1.92

$2.33 ₱147

-7.30%

Tomato (1kg)

$2.60 €2.31

$1.50 ₱94.3

73.33%

Potato (1kg)

$2.21 €1.97

$2.36 ₱149

-6.36%

Onion (1kg)

$1.32 €1.18

$1.90 ₱119

-30.53%

Lettuce (1 head)

$1.32 €1.17

$1.19 ₱74.9

10.92%

Water (1.5 liter bottle)

$1.25 €1.12

$0.63 ₱39.73

98.41%

Cigarettes 20 Pack (Marlboro, Camel)

$5.59 €4.98

$3.00 ₱189

86.33%

Wine (Bottle)

$7.83 €6.97

$6.03 ₱380

29.85%

Local Beer (0.5 liter bottle)

$1.35 €1.20

$1.23 ₱77.7

9.76%

Imported Beer (0.33 liter bottle)

$1.41 €1.25

$1.75 ₱110

-19.43%

One-way Ticket (Public Transport)

$1.75 €1.56

$0.25 ₱15.87

600.00%

Public Transport Monthly Pass (Regular Price)

$43.69 €38.86

$12.64 ₱796

245.65%

Taxi Start (Normal Tariff)

$3.42 €3.04

$0.77 ₱48.64

344.16%

Taxi (Normal Tariff) (1km)

$2.22 €1.97

$0.23 ₱14.54

865.22%

Taxi 1hour Waiting (Normal Tariff)

$22.05 €19.61

$4.46 ₱281

394.39%

Gasoline (1 liter)

$1.78 €1.58

$1.31 ₱82.8

35.88%

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

$26.3K €23.4K

$21.2K ₱1.3M

23.60%

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

$25.1K €22.3K

$19.1K ₱1.2M

31.06%

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

$182 €162

$120 ₱7,573

51.58%

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

$22.01 €19.57

$14.00 ₱882

57.21%

Internet (50+ Mbps, Unlimited Data)

$40.17 €35.73

$27.54 ₱1,735

45.86%

Gym Membership (Monthly)

$56.1 €49.91

$32.33 ₱2,036

73.58%

Tennis Court (1 Hour on Weekend)

$17.02 €15.14

$6.65 ₱419

155.94%

Cinema Ticket

$10.58 €9.41

$5.65 ₱356

87.26%

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

$240 €214

$275 ₱17.3K

-12.75%

International Primary School, 1 Child (Yearly)

$6,907 €6,143

$7,918 ₱498.8K

-12.77%

Jeans (Levis 501 Or Similar)

$88.4 €78.6

$49.33 ₱3,107

79.18%

Summer Dress (H&M, Zara, etc)

$35.68 €31.73

$25.24 ₱1,590

41.36%

Sport Shoes (Adidas, Nike)

$104 €92.6

$77.0 ₱4,848

35.34%

Men's Leather Business Shoes

$77.5 €68.9

$57.2 ₱3,603

35.51%

1-bedroom Apartment, City Center (Monthly)

$904 €804

$500 ₱31.5K

80.99%

1-bedroom Apartment, Outside City Center (Monthly)

$681 €606

$309 ₱19.5K

120.68%

3-bedroom Apartment, City Center (Monthly)

$1,460 €1,298

$1,078 ₱67.9K

35.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,135 €1,009

$615 ₱38.8K

84.44%

Buy Apartment in City Center (m2)

$4,481 €3,985

$2,886 ₱181.8K

55.25%

Buy Apartment Outside City Center (m2)

$4,044 €3,596

$1,917 ₱120.7K

110.98%

Average Monthly Net Salary (After Tax)

$1,360 €1,210

$346 ₱21.8K

293.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.54

7.2

-50.83%

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

Last update for Zadar: 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

Zadar

$681 40.4%

Cebu

$309 33.6% 54.7% $373

Groceries & Markets

Zadar

$267 15.8%

Cebu

$206 22.4% 22.9% $61

Monthly Utilities & Internet

Zadar

$244 14.5%

Cebu

$162 17.6% 33.8% $83

Eating Out

Zadar

$214 12.7%

Cebu

$88 9.6% 58.8% $126

Clothing & Footwear

Zadar

$138 8.2%

Cebu

$94 10.2% 31.7% $44

Sport & Entertainment

Zadar

$77 4.6%

Cebu

$44 4.8% 43.5% $34

Getting Around

Zadar

$65 3.9%

Cebu

$16 1.7% 76.1% $50

Cost Breakdown

A one-bedroom apartment in the center runs $904 in Zadar and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Zadar pays 293% 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: $78.0 in Zadar vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $267 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Zadar

🇵🇭 Cebu

🕒 Local time

17:33 5:33 PM

23:33 11:33 PM

6 h ahead of Zadar

🌤 Weather

👥 Population

67,309

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 = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Zadar Cebu 10,660 km ≈ 14 h nonstop flight

From you

Zadar
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

Zadar vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 84% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 293% higher in Zadar, 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: $904 in Zadar versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,687 per month in Zadar versus $918 in Cebu – a 84% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 246% less than in Zadar. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,687 in Zadar, a $1,500 budget is realistic in Cebu but tight or insufficient in Zadar. 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 Zadar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zadar 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 84% less than in Zadar. Beyond cost, consider language, visa policies, and how big the international community is in each city.