Last update: Oct 2026

Cost of Living Comparison Between Zupanja and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,616 in Zupanja, rent and utilities included – about $8,400 less a year. Rent and utilities account for about half of the difference.

78

Cost of Living Index in Zupanja
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Zupanja Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Zupanja

🇭🇷 Croatia

$1,616

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,616 in Zupanja versus $918 in Cebu.

Zupanja $1,616
Cebu $918

Estimated couple costs with rent: $2,389 in Zupanja versus $1,409 in Cebu.

Zupanja $2,389
Cebu $1,409

Monthly costs for a family of three with rent: $3,162 in Zupanja versus $1,900 in Cebu.

Zupanja $3,162
Cebu $1,900

Living in Zupanja is roughly 76% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Zupanja is 20% above, Cebu is 32% below.

Meal at Budget Restaurant

$12.51 €11.13

$3.09 ₱195

304.85%

Three-Course Dinner for Two, Mid-Range

$62.1 €55.2

$24.22 ₱1,525

156.40%

Fast Food Meal (McDonalds, etc)

$8.20 €7.29

$3.92 ₱247

109.18%

Cappuccino

$2.48 €2.20

$2.51 ₱158

-1.20%

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

$2.99 €2.66

$1.59 ₱100

88.05%

Water (0.33 liter bottle)

$2.59 €2.30

$0.53 ₱33.45

388.68%

Local Beer (0.5 liter draught)

$3.37 €3.00

$1.78 ₱112

89.33%

Imported Beer (0.33 liter bottle)

$4.36 €3.88

$2.17 ₱137

100.92%

Milk (1 liter)

$1.24 €1.10

$1.92 ₱121

-35.42%

White Bread (500g)

$1.61 €1.43

$1.36 ₱85.5

18.38%

Rice (white) (1kg)

$2.64 €2.35

$1.01 ₱63.6

161.39%

Eggs

$4.02 €3.57

$2.03 ₱128

98.03%

Local Cheese (1kg)

$14.87 €13.22

$9.86 ₱621

50.81%

Chicken Fillets (1kg)

$12.11 €10.77

$4.39 ₱277

175.85%

Beef Round Steak (1kg)

$17.62 €15.68

$7.60 ₱479

131.84%

Apples (1kg)

$2.22 €1.97

$3.30 ₱208

-32.73%

Banana (1kg)

$1.69 €1.50

$1.39 ₱87.8

21.58%

Oranges (1kg)

$2.10 €1.87

$2.33 ₱147

-9.87%

Tomato (1kg)

$2.50 €2.22

$1.50 ₱94.3

66.67%

Potato (1kg)

$1.31 €1.16

$2.36 ₱149

-44.49%

Onion (1kg)

$1.17 €1.04

$1.90 ₱119

-38.42%

Lettuce (1 head)

$1.18 €1.05

$1.19 ₱74.9

-0.84%

Water (1.5 liter bottle)

$1.34 €1.19

$0.63 ₱39.73

112.70%

Cigarettes 20 Pack (Marlboro, Camel)

$5.73 €5.09

$3.00 ₱189

91.00%

Wine (Bottle)

$10.07 €8.96

$6.03 ₱380

67.00%

Local Beer (0.5 liter bottle)

$1.65 €1.47

$1.23 ₱77.7

34.15%

Imported Beer (0.33 liter bottle)

$2.54 €2.26

$1.75 ₱110

45.14%

One-way Ticket (Public Transport)

$1.58 €1.40

$0.25 ₱15.87

532.00%

Public Transport Monthly Pass (Regular Price)

$43.75 €38.91

$12.64 ₱796

246.12%

Taxi Start (Normal Tariff)

$2.29 €2.03

$0.77 ₱48.64

197.40%

Taxi (Normal Tariff) (1km)

$1.35 €1.20

$0.23 ₱14.54

486.96%

Taxi 1hour Waiting (Normal Tariff)

$11.56 €10.28

$4.46 ₱281

159.19%

Gasoline (1 liter)

$1.92 €1.71

$1.31 ₱82.8

46.56%

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

$27.9K €24.9K

$21.2K ₱1.3M

31.53%

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

$27.2K €24.2K

$19.1K ₱1.2M

42.24%

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

$217 €193

$120 ₱7,573

80.49%

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

$23.35 €20.77

$14.00 ₱882

66.79%

Internet (50+ Mbps, Unlimited Data)

$41.03 €36.50

$27.54 ₱1,735

48.98%

Gym Membership (Monthly)

$54.6 €48.52

$32.33 ₱2,036

68.76%

Tennis Court (1 Hour on Weekend)

$14.88 €13.23

$6.65 ₱419

123.76%

Cinema Ticket

$8.88 €7.90

$5.65 ₱356

57.17%

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

$500 €445

$275 ₱17.3K

81.79%

International Primary School, 1 Child (Yearly)

$10.1K €8,945

$7,918 ₱498.8K

27.02%

Jeans (Levis 501 Or Similar)

$107 €95.2

$49.33 ₱3,107

116.97%

Summer Dress (H&M, Zara, etc)

$42.40 €37.71

$25.24 ₱1,590

67.99%

Sport Shoes (Adidas, Nike)

$95.5 €85.0

$77.0 ₱4,848

24.12%

Men's Leather Business Shoes

$107 €95.4

$57.2 ₱3,603

87.52%

1-bedroom Apartment, City Center (Monthly)

$770 €685

$500 ₱31.5K

54.12%

1-bedroom Apartment, Outside City Center (Monthly)

$527 €468

$309 ₱19.5K

70.53%

3-bedroom Apartment, City Center (Monthly)

$1,064 €946

$1,078 ₱67.9K

-1.33%

3-bedroom Apartment, Outside City Center (Monthly)

$775 €689

$615 ₱38.8K

25.93%

Buy Apartment in City Center (m2)

$4,045 €3,598

$2,886 ₱181.8K

40.15%

Buy Apartment Outside City Center (m2)

$3,278 €2,915

$1,917 ₱120.7K

71.01%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

7.2

-54.17%

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

Last update for Zupanja: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Zupanja

$527 32.6%

Cebu

$309 33.6% 41.4% $218

Groceries & Markets

Zupanja

$316 19.5%

Cebu

$206 22.4% 34.8% $110

Monthly Utilities & Internet

Zupanja

$281 17.4%

Cebu

$162 17.6% 42.5% $120

Eating Out

Zupanja

$202 12.5%

Cebu

$88 9.6% 56.4% $114

Clothing & Footwear

Zupanja

$158 9.8%

Cebu

$94 10.2% 40.7% $65

Sport & Entertainment

Zupanja

$72 4.5%

Cebu

$44 4.8% 39.7% $29

Getting Around

Zupanja

$59 3.7%

Cebu

$16 1.7% 73.7% $44

Cost Breakdown

A one-bedroom apartment in the center runs $770 in Zupanja and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $62.0 in Zupanja vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $316 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Zupanja

🇵🇭 Cebu

🕒 Local time

18:27 6:27 PM

00:27 12:27 AM

6 h ahead of Zupanja

🌤 Weather

👥 Population

12,000

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

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Between locations

Zupanja Cebu 10,360 km ≈ 13 h nonstop flight

From you

Zupanja
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

Zupanja vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 76% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,424 in Zupanja 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: $770 in Zupanja versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,616 per month in Zupanja versus $918 in Cebu – a 76% 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 Zupanja. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,616 in Zupanja, a $1,500 budget is realistic in Cebu but tight or insufficient in Zupanja. 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 Zupanja, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zupanja 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 76% less than in Zupanja. Beyond cost, consider language, visa policies, and how big the international community is in each city.