Last update: Oct 2026

Cost of Living Comparison Between Zatec and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,230 in Zatec, rent and utilities included – about $3,700 less a year. Rent and utilities account for most of the difference.

60

Cost of Living Index in Zatec
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Zatec Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Zatec

🇨🇿 Czech Republic

$1,230

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,230 in Zatec versus $918 in Cebu.

Zatec $1,230
Cebu $918

Estimated couple costs with rent: $1,888 in Zatec versus $1,409 in Cebu.

Zatec $1,888
Cebu $1,409

Monthly costs for a family of three with rent: $2,546 in Zatec versus $1,900 in Cebu.

Zatec $2,546
Cebu $1,900

Living in Zatec is roughly 34% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Zatec 9% lower, Cebu 32% lower.

Meal at Budget Restaurant

$6.94 Kč 150

$3.09 ₱194

124.60%

Three-Course Dinner for Two, Mid-Range

$18.15 Kč 392

$24.22 ₱1,525

-25.06%

Fast Food Meal (McDonalds, etc)

$9.23 Kč 200

$3.92 ₱247

135.46%

Cappuccino

$3.02 Kč 65.2

$2.51 ₱158

20.32%

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

$0.70 Kč 15.15

$1.59 ₱100

-55.97%

Water (0.33 liter bottle)

$0.90 Kč 19.44

$0.53 ₱33.43

69.81%

Local Beer (0.5 liter draught)

$2.23 Kč 48.15

$1.78 ₱112

25.28%

Imported Beer (0.33 liter bottle)

$2.73 Kč 59.0

$2.17 ₱137

25.81%

Milk (1 liter)

$0.81 Kč 17.51

$1.92 ₱121

-57.81%

White Bread (500g)

$1.34 Kč 29.02

$1.36 ₱85.4

-1.47%

Rice (white) (1kg)

$2.28 Kč 49.23

$1.01 ₱63.5

125.74%

Eggs

$2.49 Kč 53.9

$2.03 ₱128

22.66%

Local Cheese (1kg)

$5.64 Kč 122

$9.86 ₱621

-42.80%

Chicken Fillets (1kg)

$5.39 Kč 116

$4.39 ₱277

22.78%

Beef Round Steak (1kg)

$6.67 Kč 144

$7.60 ₱479

-12.24%

Apples (1kg)

$1.28 Kč 27.65

$3.30 ₱208

-61.21%

Banana (1kg)

$1.63 Kč 35.27

$1.39 ₱87.8

17.27%

Oranges (1kg)

$2.13 Kč 45.98

$2.33 ₱147

-8.58%

Tomato (1kg)

$3.26 Kč 70.5

$1.50 ₱94.3

117.33%

Potato (1kg)

$0.95 Kč 20.64

$2.36 ₱149

-59.75%

Onion (1kg)

$1.10 Kč 23.72

$1.90 ₱119

-42.11%

Lettuce (1 head)

$1.61 Kč 34.71

$1.19 ₱74.9

35.29%

Water (1.5 liter bottle)

$0.55 Kč 11.91

$0.63 ₱39.71

-12.70%

Cigarettes 20 Pack (Marlboro, Camel)

$6.06 Kč 131

$3.00 ₱189

102.00%

Wine (Bottle)

$5.59 Kč 121

$6.03 ₱379

-7.30%

Local Beer (0.5 liter bottle)

$0.89 Kč 19.33

$1.23 ₱77.7

-27.64%

Imported Beer (0.33 liter bottle)

$1.70 Kč 36.68

$1.75 ₱110

-2.86%

One-way Ticket (Public Transport)

$0.34 Kč 7.26

$0.25 ₱15.86

36.00%

Public Transport Monthly Pass (Regular Price)

$24.90 Kč 539

$12.64 ₱796

96.99%

Taxi Start (Normal Tariff)

$2.69 Kč 58.1

$0.77 ₱48.62

249.35%

Taxi (Normal Tariff) (1km)

$1.87 Kč 40.52

$0.23 ₱14.53

713.04%

Taxi 1hour Waiting (Normal Tariff)

$16.32 Kč 353

$4.46 ₱281

265.92%

Gasoline (1 liter)

$1.86 Kč 40.20

$1.31 ₱82.8

41.98%

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

$31.4K Kč 678.9K

$21.2K ₱1.3M

47.78%

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

$29.9K Kč 647.6K

$19.1K ₱1.2M

56.40%

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

$297 Kč 6,424

$120 ₱7,569

147.08%

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

$22.14 Kč 479

$14.00 ₱882

58.14%

Internet (50+ Mbps, Unlimited Data)

$18.89 Kč 409

$27.54 ₱1,734

-31.41%

Gym Membership (Monthly)

$49.34 Kč 1,067

$32.33 ₱2,035

52.61%

Tennis Court (1 Hour on Weekend)

$18.33 Kč 396

$6.65 ₱419

175.64%

Cinema Ticket

$12.79 Kč 277

$5.65 ₱356

126.37%

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

$726 Kč 15.7K

$275 ₱17.3K

163.73%

International Primary School, 1 Child (Yearly)

$11.5K Kč 249.0K

$7,918 ₱498.5K

45.39%

Jeans (Levis 501 Or Similar)

$85.3 Kč 1,845

$49.33 ₱3,106

72.98%

Summer Dress (H&M, Zara, etc)

$36.89 Kč 798

$25.24 ₱1,589

46.16%

Sport Shoes (Adidas, Nike)

$46.22 Kč 1,000

$77.0 ₱4,846

-39.94%

Men's Leather Business Shoes

$122 Kč 2,628

$57.2 ₱3,601

112.48%

1-bedroom Apartment, City Center (Monthly)

$351 Kč 7,589

$500 ₱31.5K

-29.75%

1-bedroom Apartment, Outside City Center (Monthly)

$323 Kč 6,991

$309 ₱19.4K

4.68%

3-bedroom Apartment, City Center (Monthly)

$1,272 Kč 27.5K

$1,078 ₱67.9K

17.98%

3-bedroom Apartment, Outside City Center (Monthly)

$855 Kč 18.5K

$615 ₱38.7K

38.96%

Buy Apartment in City Center (m2)

$4,790 Kč 103.6K

$2,886 ₱181.7K

65.98%

Buy Apartment Outside City Center (m2)

$3,585 Kč 77.5K

$1,917 ₱120.7K

87.03%

Average Monthly Net Salary (After Tax)

$1,163 Kč 25.2K

$346 ₱21.8K

236.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.67

7.2

-35.14%

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

Last update for Zatec: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Zatec

$338 27.5%

Cebu

$162 17.6% 52.2% $176

Accommodation & Living

Zatec

$323 26.3%

Cebu

$309 33.6% 4.5% $14

Groceries & Markets

Zatec

$183 14.8%

Cebu

$206 22.4% 12.8% $23

Eating Out

Zatec

$142 11.6%

Cebu

$88 9.6% 38% $54

Clothing & Footwear

Zatec

$130 10.6%

Cebu

$94 10.2% 28% $37

Sport & Entertainment

Zatec

$75 6.1%

Cebu

$44 4.8% 41.8% $31

Getting Around

Zatec

$38 3.1%

Cebu

$16 1.7% 59.3% $23

Cost Breakdown

A one-bedroom apartment in the center runs $351 in Zatec and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Zatec pays 236% 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: $18.00 in Zatec vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $183 vs $206 per month, with Zatec cheaper across the board.

Good to know

🇨🇿 Zatec

🇵🇭 Cebu

🕒 Local time

05:20 5:20 AM

11:20 11:20 AM

6 h ahead of Zatec

🌤 Weather

👥 Population

19,522

964,169

💱 Currency

Czech Koruna CZK Kč

Philippine Peso PHP ₱

📈 Exchange rate

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to CZK – Czech Koruna Converter

🇺🇸 United States Dollar ($)

🇨🇿 Czech Koruna (Kč)

Czech Koruna exchange rates as of October 18, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

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 CZK in detail →

On the map

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Between locations

Zatec Cebu 10,520 km ≈ 14 h nonstop flight

From you

Zatec
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

Zatec vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 34% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 236% higher in Zatec, 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: $351 in Zatec versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,230 per month in Zatec versus $918 in Cebu – a 34% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 97% less than in Zatec. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Zatec, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zatec 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 34% less than in Zatec. Beyond cost, consider language, visa policies, and how big the international community is in each city.