Last update: Oct 2026

Cost of Living Comparison Between Zepce and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,095 in Zepce, rent and utilities included – about $2,100 less a year. The total is higher in Zepce despite lower rent and utilities.

53

Cost of Living Index in Zepce
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Zepce Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Zepce

🇧🇦 Bosnia and Herzegovina

$1,095

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,095 in Zepce versus $918 in Cebu.

Zepce $1,095
Cebu $918

Estimated couple costs with rent: $1,585 in Zepce versus $1,409 in Cebu.

Zepce $1,585
Cebu $1,409

Monthly costs for a family of three with rent: $2,076 in Zepce versus $1,900 in Cebu.

Zepce $2,076
Cebu $1,900

Living in Zepce is roughly 19% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Zepce 19% lower, Cebu 32% lower.

Meal at Budget Restaurant

$9.64 BAM 16.76

$3.09 ₱194

211.97%

Three-Course Dinner for Two, Mid-Range

$29.10 BAM 50.6

$24.22 ₱1,525

20.15%

Fast Food Meal (McDonalds, etc)

$11.03 BAM 19.17

$3.92 ₱247

181.38%

Cappuccino

$1.80 BAM 3.13

$2.51 ₱158

-28.29%

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

$2.57 BAM 4.48

$1.59 ₱100

61.64%

Water (0.33 liter bottle)

$1.61 BAM 2.79

$0.53 ₱33.43

203.77%

Local Beer (0.5 liter draught)

$2.49 BAM 4.33

$1.78 ₱112

39.89%

Imported Beer (0.33 liter bottle)

$3.44 BAM 5.98

$2.17 ₱137

58.53%

Milk (1 liter)

$1.38 BAM 2.39

$1.92 ₱121

-28.13%

White Bread (500g)

$1.17 BAM 2.04

$1.36 ₱85.4

-13.97%

Rice (white) (1kg)

$1.57 BAM 2.74

$1.01 ₱63.5

55.45%

Eggs

$2.85 BAM 4.96

$2.03 ₱128

40.39%

Local Cheese (1kg)

$9.36 BAM 16.27

$9.86 ₱621

-5.07%

Chicken Fillets (1kg)

$8.61 BAM 14.98

$4.39 ₱277

96.13%

Beef Round Steak (1kg)

$13.67 BAM 23.77

$7.60 ₱479

79.87%

Apples (1kg)

$1.86 BAM 3.23

$3.30 ₱208

-43.64%

Banana (1kg)

$1.98 BAM 3.44

$1.39 ₱87.8

42.45%

Oranges (1kg)

$2.23 BAM 3.89

$2.33 ₱147

-4.29%

Tomato (1kg)

$2.13 BAM 3.70

$1.50 ₱94.3

42.00%

Potato (1kg)

$1.02 BAM 1.78

$2.36 ₱149

-56.78%

Onion (1kg)

$1.41 BAM 2.45

$1.90 ₱119

-25.79%

Lettuce (1 head)

$1.12 BAM 1.95

$1.19 ₱74.9

-5.88%

Water (1.5 liter bottle)

$0.91 BAM 1.58

$0.63 ₱39.71

44.44%

Cigarettes 20 Pack (Marlboro, Camel)

$3.91 BAM 6.81

$3.00 ₱189

30.33%

Wine (Bottle)

$8.13 BAM 14.15

$6.03 ₱379

34.83%

Local Beer (0.5 liter bottle)

$1.01 BAM 1.76

$1.23 ₱77.7

-17.89%

Imported Beer (0.33 liter bottle)

$1.39 BAM 2.41

$1.75 ₱110

-20.57%

One-way Ticket (Public Transport)

$1.29 BAM 2.24

$0.25 ₱15.86

416.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$1.70 BAM 2.95

$0.77 ₱48.62

120.78%

Taxi (Normal Tariff) (1km)

$1.16 BAM 2.02

$0.23 ₱14.53

404.35%

Taxi 1hour Waiting (Normal Tariff)

$17.17 BAM 29.86

$4.46 ₱281

284.98%

Gasoline (1 liter)

$1.76 BAM 3.06

$1.31 ₱82.8

34.35%

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

$30.0K BAM 52.2K

$21.2K ₱1.3M

41.23%

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

$21.1K BAM 36.6K

$19.1K ₱1.2M

9.97%

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

$158 BAM 275

$120 ₱7,569

31.41%

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

$16.53 BAM 28.75

$14.00 ₱882

18.07%

Internet (50+ Mbps, Unlimited Data)

$36.87 BAM 64.1

$27.54 ₱1,734

33.88%

Gym Membership (Monthly)

$32.30 BAM 56.2

$32.33 ₱2,035

-0.09%

Tennis Court (1 Hour on Weekend)

$11.57 BAM 20.12

$6.65 ₱419

73.98%

Cinema Ticket

$2.89 BAM 5.03

$5.65 ₱356

-48.85%

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

$294 BAM 511

$275 ₱17.3K

6.67%

International Primary School, 1 Child (Yearly)

$3,518 BAM 6,117

$7,918 ₱498.5K

-55.57%

Jeans (Levis 501 Or Similar)

$83.8 BAM 146

$49.33 ₱3,106

69.82%

Summer Dress (H&M, Zara, etc)

$35.52 BAM 61.8

$25.24 ₱1,589

40.73%

Sport Shoes (Adidas, Nike)

$104 BAM 181

$77.0 ₱4,846

35.27%

Men's Leather Business Shoes

$142 BAM 247

$57.2 ₱3,601

147.87%

1-bedroom Apartment, City Center (Monthly)

$304 BAM 528

$500 ₱31.5K

-39.21%

1-bedroom Apartment, Outside City Center (Monthly)

$259 BAM 450

$309 ₱19.4K

-16.16%

3-bedroom Apartment, City Center (Monthly)

$480 BAM 835

$1,078 ₱67.9K

-55.45%

3-bedroom Apartment, Outside City Center (Monthly)

$323 BAM 561

$615 ₱38.7K

-47.55%

Buy Apartment in City Center (m2)

$2,764 BAM 4,807

$2,886 ₱181.7K

-4.22%

Buy Apartment Outside City Center (m2)

$1,856 BAM 3,228

$1,917 ₱120.7K

-3.14%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

7.2

-38.33%

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

Last update for Zepce: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Zepce

$259 23.7%

Cebu

$309 33.6% 19.3% $50

Groceries & Markets

Zepce

$242 22.1%

Cebu

$206 22.4% 14.8% $36

Monthly Utilities & Internet

Zepce

$211 19.3%

Cebu

$162 17.6% 23.5% $50

Eating Out

Zepce

$168 15.3%

Cebu

$88 9.6% 47.4% $80

Clothing & Footwear

Zepce

$164 15%

Cebu

$94 10.2% 42.8% $70

Sport & Entertainment

Zepce

$38 3.5%

Cebu

$44 4.8% 14.5% $5.5

Getting Around

Zepce

$13 * 1.2%

Cebu

$16 1.7% 23% $2.9

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 $304 in Zepce and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $29.00 in Zepce vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $242 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇧🇦 Zepce

🇵🇭 Cebu

🕒 Local time

04:23 4:23 AM

10:23 10:23 AM

6 h ahead of Zepce

🌤 Weather

👥 Population

7,500

964,169

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Philippine Peso PHP ₱

📈 Exchange rate

1 BAM = 0.575 USD

1 BAM = 0.512 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to BAM – Bosnia and Herzegovina Convertible Mark Converter

🇺🇸 United States Dollar ($)

🇧🇦 Bosnia and Herzegovina Convertible Mark (KM)

Bosnia and Herzegovina Convertible Mark exchange rates as of October 18, 2026: 1 USD = 1.74 BAM (1 BAM = 0.575 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 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 BAM in detail →

On the map

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Highest

Between locations

Zepce Cebu 10,430 km ≈ 14 h nonstop flight

From you

Zepce
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

Zepce vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 19% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,642 in Zepce 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: $304 in Zepce versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 17% higher in Zepce. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,095 per month in Zepce versus $918 in Cebu – a 19% gap that adds up to real savings over time for anyone picking the cheaper option.

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 Zepce, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zepce 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 19% less than in Zepce. Beyond cost, consider language, visa policies, and how big the international community is in each city.