Last update: Oct 2026

Cost of Living Comparison Between Zutphen and Cebu

For one person, living is cheaper in Cebu: $918 a month against $2,442 in Zutphen, rent and utilities included – about $18,300 less a year. Rent and utilities account for most of the difference.

120

Cost of Living Index in Zutphen
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Zutphen Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Zutphen

🇳🇱 Netherlands

$2,442

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,442 in Zutphen versus $918 in Cebu.

Zutphen $2,442
Cebu $918

Estimated couple costs with rent: $3,481 in Zutphen versus $1,409 in Cebu.

Zutphen $3,481
Cebu $1,409

Monthly costs for a family of three with rent: $4,519 in Zutphen versus $1,900 in Cebu.

Zutphen $4,519
Cebu $1,900

Living in Zutphen is roughly 166% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Zutphen is 81% above, Cebu is 32% below.

Meal at Budget Restaurant

$19.69 €17.51

$3.09 ₱194

537.22%

Three-Course Dinner for Two, Mid-Range

$44.10 €39.23

$24.22 ₱1,525

82.08%

Fast Food Meal (McDonalds, etc)

$12.14 €10.80

$3.92 ₱247

209.69%

Cappuccino

$3.28 €2.92

$2.51 ₱158

30.68%

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

$1.68 €1.50

$1.59 ₱100

5.66%

Water (0.33 liter bottle)

$2.95 €2.63

$0.53 ₱33.43

456.60%

Local Beer (0.5 liter draught)

$8.42 €7.49

$1.78 ₱112

373.03%

Imported Beer (0.33 liter bottle)

$5.53 €4.92

$2.17 ₱137

154.84%

Milk (1 liter)

$1.24 €1.10

$1.92 ₱121

-35.42%

White Bread (500g)

$2.25 €2.00

$1.36 ₱85.4

65.44%

Rice (white) (1kg)

$2.50 €2.22

$1.01 ₱63.5

147.52%

Eggs

$4.00 €3.56

$2.03 ₱128

97.04%

Local Cheese (1kg)

$12.41 €11.04

$9.86 ₱621

25.86%

Chicken Fillets (1kg)

$5.65 €5.03

$4.39 ₱277

28.70%

Beef Round Steak (1kg)

$13.56 €12.06

$7.60 ₱479

78.42%

Apples (1kg)

$2.57 €2.29

$3.30 ₱208

-22.12%

Banana (1kg)

$2.54 €2.26

$1.39 ₱87.8

82.73%

Oranges (1kg)

$1.87 €1.66

$2.33 ₱147

-19.74%

Tomato (1kg)

$4.44 €3.95

$1.50 ₱94.3

196.00%

Potato (1kg)

$1.86 €1.66

$2.36 ₱149

-21.19%

Onion (1kg)

$2.38 €2.11

$1.90 ₱119

25.26%

Lettuce (1 head)

$1.34 €1.20

$1.19 ₱74.9

12.61%

Water (1.5 liter bottle)

$0.83 €0.74

$0.63 ₱39.71

31.75%

Cigarettes 20 Pack (Marlboro, Camel)

$13.87 €12.33

$3.00 ₱189

362.33%

Wine (Bottle)

$6.52 €5.80

$6.03 ₱379

8.13%

Local Beer (0.5 liter bottle)

$1.53 €1.36

$1.23 ₱77.7

24.39%

Imported Beer (0.33 liter bottle)

$2.71 €2.41

$1.75 ₱110

54.86%

One-way Ticket (Public Transport)

$2.97 €2.64

$0.25 ₱15.86

1088.00%

Public Transport Monthly Pass (Regular Price)

$93.7 €83.3

$12.64 ₱796

641.14%

Taxi Start (Normal Tariff)

$4.14 €3.69

$0.77 ₱48.62

437.66%

Taxi (Normal Tariff) (1km)

$3.27 €2.91

$0.23 ₱14.53

1321.74%

Taxi 1hour Waiting (Normal Tariff)

$28.34 €25.21

$4.46 ₱281

535.43%

Gasoline (1 liter)

$2.41 €2.15

$1.31 ₱82.8

83.97%

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

$40.9K €36.4K

$21.2K ₱1.3M

92.65%

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

$39.0K €34.7K

$19.1K ₱1.2M

103.66%

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

$290 €258

$120 ₱7,569

141.40%

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

$17.08 €15.19

$14.00 ₱882

22.00%

Internet (50+ Mbps, Unlimited Data)

$49.93 €44.41

$27.54 ₱1,734

81.30%

Gym Membership (Monthly)

$40.48 €36.01

$32.33 ₱2,035

25.21%

Tennis Court (1 Hour on Weekend)

$24.99 €22.23

$6.65 ₱419

275.79%

Cinema Ticket

$15.52 €13.80

$5.65 ₱356

174.69%

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

$1,245 €1,108

$275 ₱17.3K

352.37%

International Primary School, 1 Child (Yearly)

$11.0K €9,793

$7,918 ₱498.5K

39.04%

Jeans (Levis 501 Or Similar)

$81.1 €72.2

$49.33 ₱3,106

64.46%

Summer Dress (H&M, Zara, etc)

$37.50 €33.36

$25.24 ₱1,589

48.57%

Sport Shoes (Adidas, Nike)

$110 €98.0

$77.0 ₱4,846

43.15%

Men's Leather Business Shoes

$129 €115

$57.2 ₱3,601

125.07%

1-bedroom Apartment, City Center (Monthly)

$1,407 €1,252

$500 ₱31.5K

181.67%

1-bedroom Apartment, Outside City Center (Monthly)

$1,145 €1,018

$309 ₱19.4K

270.69%

3-bedroom Apartment, City Center (Monthly)

$2,431 €2,163

$1,078 ₱67.9K

125.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,877 €1,670

$615 ₱38.7K

205.17%

Buy Apartment in City Center (m2)

$5,489 €4,882

$2,886 ₱181.7K

90.18%

Buy Apartment Outside City Center (m2)

$4,215 €3,749

$1,917 ₱120.7K

119.94%

Average Monthly Net Salary (After Tax)

$6,221 €5,534

$346 ₱21.8K

1698.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.42

7.2

-38.61%

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

Last update for Zutphen: 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

Zutphen

$1.1K 46.9%

Cebu

$309 33.6% 73% $836

Monthly Utilities & Internet

Zutphen

$357 14.6%

Cebu

$162 17.6% 54.7% $195

Eating Out

Zutphen

$305 12.5%

Cebu

$88 9.6% 71.1% $217

Groceries & Markets

Zutphen

$277 11.3%

Cebu

$206 22.4% 25.6% $71

Clothing & Footwear

Zutphen

$161 6.6%

Cebu

$94 10.2% 41.6% $67

Getting Around

Zutphen

$126 5.2%

Cebu

$16 1.7% 87.6% $110

Sport & Entertainment

Zutphen

$72 2.9%

Cebu

$44 4.8% 39% $28

Cost Breakdown

A one-bedroom apartment in the center runs $1,407 in Zutphen and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Zutphen pays 1698% 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: $44.00 in Zutphen vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $277 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇳🇱 Zutphen

🇵🇭 Cebu

🕒 Local time

09:06 9:06 AM

15:06 3:06 PM

6 h ahead of Zutphen

🌤 Weather

👥 Population

38,642

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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Philippine Peso exchange rates as of October 19, 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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Zutphen Cebu 10,900 km ≈ 14 h nonstop flight

From you

Zutphen
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

Zutphen vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, groceries, and clothing. The 166% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1698% higher in Zutphen, 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: $1,407 in Zutphen versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,442 per month in Zutphen versus $918 in Cebu – a 166% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 641% less than in Zutphen. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $2,442 in Zutphen, a $1,500 budget is realistic in Cebu but tight or insufficient in Zutphen. 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 Zutphen, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zutphen 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 166% less than in Zutphen. Beyond cost, consider language, visa policies, and how big the international community is in each city.