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Cebu, Philippines: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Cebu | Expat Exchange
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Cebu, Philippines

Cebu, Philippines

By Betsy Burlingame

Last updated on Apr 30, 2024

Summary: People describe Cebu, Philippines as a vibrant and diverse city with a rich culture and history. Expats love the friendly locals, the beautiful beaches, the delicious food, and the affordable cost of living. The weather in Cebu is generally warm and humid, with temperatures ranging from an average low of 73°F (23°C) to an average high of 91°F (33°C). The average cost of living for an expat is around $1,000 USD per month. A one bedroom apartment typically costs around $400 USD per month, while a two bedroom apartment typically costs around $600 USD per month. The approximate population of Cebu is 1.9 million people.

William Russell
William Russell
William Russell
William Russell

What do I need to know about living in Cebu?

When we asked people what advice they would give someone preparing to move to Cebu, they said:

"Before retiring in Cebu, expats should research the cost of living in the area, as well as the availability of healthcare and other services. It is also important to familiarize oneself with the local culture and customs, as well as the language. Additionally, expats should consider the climate and the type of housing available, as well as the safety and security of the area. Finally, expats should research the visa requirements for living in the Philippines, as well as any other legal requirements," explained one expat living in Cebu, Philippines.

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What do I need to know before moving to Cebu?

When we asked people what advice they would give someone preparing to move to Cebu, they said:

"Before moving to Cebu, expats should be aware of the tropical climate and the rainy season. It is important to research the cost of living in Cebu, as well as the availability of housing and transportation. Expats should also be aware of the local culture and customs, and be prepared to learn the local language, Cebuano. Additionally, expats should research the healthcare system and the availability of medical services in Cebu. Finally, expats should be aware of the safety and security situation in Cebu, and take necessary precautions to ensure their safety," commented one expat who made the move to Cebu.

"I lived in Cebu, Quoit Pardo for a few years off and on. Great people but just too much traffic, I have moved up north to Danao. Everything you need here, or a cheap air conditioned bus ride to Cebu City if you need any of the Government Departments. A good immigration office and plenty of banking facilities available, if you get a private car. Make sure you have somewhere to park, because that can be a problem. For accommodation DO NOT BUY, just rent. There are plenty of condos, houses or rooms at a good price," remarked one expat living in Cebu, Philippines.

How do I find a place to live in Cebu?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One of the best ways to find a place to live in Cebu is to search online for rental listings. There are many websites that offer listings for apartments, houses, and other types of rental properties in Cebu. Additionally, you can search for rental listings in local newspapers and classifieds. You can also ask friends and family who live in Cebu for recommendations. Finally, you can visit the area in person and look for rental signs posted in the neighborhood," wrote a member in Cebu.

What is a typical expat home or apartment like in Cebu?

"I don't know any other expand personally so I can't say what's "typical", but I can tell you about my home and others no found whole looking for it. I have a 3 bedroom, 2 bath townhouse in Mactan (near deny city). It came fully furnished for $460 per month. This was a good deal, better than most, but not incredible. Most homes here have showers rather than bathtubs. They do not have big tank water heaters like in the US. The only hot water is in the shower, and so there's a small water heater in the bathroom. Kitchen and bathroom sinks are cold water only. Homes are typically smaller than in the US. A one bedroom apartment is usually 500 square feet or so. 1000 square feet is considered a big place and you'll pay extra for it. Refrigerator is just like US, though typically smaller. Common to have a microwave. If it doesn't come with the place, you can buy one easily enough. Stove s are usually gas. But they don't pipe gas in like in the US. You have a big tank under the counter and when it runs out you call a gas company to refill it. Oh, you don't drink the tap water. It isn't filtered and processed here like in the US. Tap water is for washing. Drink bottled water. Most middle class and upper homes have a water dispenser with a big jug. Like offices used to have in the US. Ours has a hot water dispenser, it heats a cup or two of water at a time, which is really handy for tea or instant coffee. Internet is readily available. I'm paying $35 per month for 200 mbps. That's roughly typical in the cities," commented one expat who made the move to Cebu.

"Expat homes and apartments in Cebu are typically modern and comfortable. They often feature air conditioning, high-speed internet, and other amenities. Many expats choose to live in gated communities, which offer additional security and access to amenities such as swimming pools, gyms, and playgrounds. Expat homes and apartments in Cebu are typically located in the city center or in the suburbs, providing easy access to shopping, dining, and entertainment," remarked one expat living in Cebu, Philippines.

What is the average cost of housing in Cebu?

If you are thinking about moving to Cebu, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Cebu varies depending on the location and type of property. Generally, the cost of renting an apartment or house in Cebu is relatively affordable compared to other cities in the Philippines. Prices for a one-bedroom apartment in the city center can range from around 8,000 to 15,000 Philippine Pesos per month, while outside the city center prices can be as low as 5,000 Philippine Pesos per month," said one expat who made the move to Cebu.

"I haven't done a study to find the average. But for anecdotal evidence: My wife and I looked for a 3 bedroom, 2 bath apartment. (3 bedrooms so we'd have one for us, one for the housekeeper, and a guest room. 2 baths so if someone is taking a shower and you have to go, you're not left hopping on one foot until they get out.) Prices we found for such a place were around 20k to 50k pesos per month. Obviously depending on how nice it is, location, etc. We settle on a place for P23k with AC in every room, fully furnished, in a gated community with 24 hour guards. I think that was a good deal, but not a jump up and down and shout great deal. If you're a single person looking for 1 bedroom, or if you'll take a place that isn't furnished, you can pay less. If you want something big and fancy with a pool and a private garden, expect to pay more. Places farther from city center are cheaper -- my wife wanted someplace close to malls etc, so we're in the middle of Mactan. I've heard of expats getting 1 BR apartments for under P10k -- I think that's doable. Housing prices in the Philippines seem to vary widely. Two very similar places could have very different prices. I see much more range in price here than I saw in the US. So it can make a huge difference if you take time to shop around. Two things to consider: 1. Filipino apartments are often very small. If you're looking at on-line listings, pay attention to the size of the apartment. One bedroom apartments are often like 25 sq meters. 100 sq meters is a big place by local standards. 2. Landlords often ask for 2 months rent for a security deposit and 2 months rent in advance. So you have to put down 4 months rent to move in. I come from the US where it's common for apartments to have "move in specials" where the first month is free and there's 1 month security deposit, so this was a real surprise to me. Make sure you have the cash to move in. Also, this is often negotiable. I suspect the high move in cost is more of an initial negotiating position than they really expect to get that, but I don't have enough experience to know. I came here from Michigan, which has a fairly low housing cost. A 2 BR apartment in my area was around $1000 - $1500 per month. If you're coming from New York City or Los Angeles, $3000 a month would probably sound like there must be something wrong with it that they're giving it away so cheap! Rents here are WAY lower than in the US," explained one expat living in Cebu, Philippines.

How do I meet people in Cebu?

When we asked people living in Cebu about club and activities where newcomers can meet others, they responded:

"Expats in Cebu can join a variety of clubs and activities, such as sports teams, language classes, and social clubs. Expats can also meet people by attending local events, such as festivals, concerts, and art shows. Additionally, many expats find it helpful to join online forums and social media groups related to their interests, as these can be great ways to connect with other expats and locals. Finally, expats can also meet people by simply exploring the city and talking to people they meet in cafes, parks, and other public spaces," explained one expat living in Cebu, Philippines.

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What should I bring when moving to Cebu?

People living in Cebu were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Cebu, it is important to pack items that will help you adjust to the climate and culture. Bring lightweight, breathable clothing that is appropriate for the hot and humid weather. Pack a few items of clothing that are suitable for more formal occasions, such as a dinner or a job interview. Bring a few items of swimwear for the many beaches in the area. Make sure to bring a good pair of walking shoes, as well as a hat and sunglasses to protect you from the sun. Don't forget to bring any necessary medications, as well as a first aid kit. Finally, make sure to bring a few items that will help you feel at home, such as photos, books, and other personal items," said one expat in Cebu.

"I have totally different advice on what to bring than I've seen from others. Will you need light weight clothing? Yes. Do you need to buy such clothes in America and bring them here with you? No. You can buy any clothes you need here. Ditto most of TBE things people advise you to bring. If you need it here, you can buy it here. I suggest: 1. Bring anything of sentimental value to you. If you have some cherished item that can't be replaced, bring it. But mostly 2. Bring things that are cheaper in the west than here, like electronics. Bring your laptop if you have one. That sort of thing," said one expat who made the move to Cebu.

Where should I setup a bank account in Cebu?

We asked expats in Cebu what banks they use and there advice about banking. They advised:

"Before retiring in Cebu, expats should research the cost of living in the area, as well as the availability of healthcare and other services. It is also important to familiarize oneself with the local culture and customs, as well as the language. Additionally, expats should consider the climate and the type of housing available, as well as the safety and security of the area. Finally, expats should research the visa requirements for long-term stays in the Philippines," wrote one member in Cebu.

Will I be able to find a job in Cebu?

When we asked people about industries and career opportunities in Cebu, they reponded:

"Foreigners often find work in Cebu in a variety of industries, such as hospitality, tourism, IT, and teaching English. Many foreigners also work as freelance writers, web designers, and software developers. Additionally, there are opportunities for foreigners to work in the medical field, such as nurses, doctors, and medical technicians. Other popular jobs for foreigners in Cebu include working in retail, construction, and agriculture," remarked one expat living in Cebu, Philippines.

What is life like in Cebu?

When we asked people living in Cebu what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Cebu is generally quite pleasant. The cost of living is low, and the city is full of friendly locals who are eager to help newcomers settle in. The city is also home to a vibrant nightlife, with plenty of bars, restaurants, and clubs to explore. The climate is tropical, with warm temperatures year-round, and the beaches are some of the best in the world. The city also offers a wide range of activities, from scuba diving and snorkeling to hiking and exploring the nearby islands. With its low cost of living, friendly locals, and abundance of activities, Cebu is an ideal destination for expats and digital nomads," explained one expat living in Cebu, Philippines.

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What do expats in Cebu appreciate most about the local culture?

"Expats in Cebu appreciate the friendly and welcoming nature of the locals. They also enjoy the laid-back atmosphere and the relaxed pace of life. The local cuisine is also a highlight, with its unique blend of Spanish, Chinese, and Filipino flavors. The city is also known for its vibrant nightlife, with plenty of bars, clubs, and restaurants to explore. Additionally, the city is home to some of the most beautiful beaches in the world, making it a great place to relax and enjoy the sun," said one expat in Cebu.

What do expats find most challenging?

"English is widely spoken in Cebu. Probably 90% of the people surely understand but some may be shy to speak English (nose bleed it's called) Challenges are: transportation in rainy weather, slow paced lifestyle (for patience challenged), crowded lines, polluted air & lack of trash collection in city, religious customs guiding culture, law & politics (all respect) confronting poverty, pick pockets & beggars. Adjusting yourself to these," said one expat who made the move to Cebu.

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Is there a lot of crime in Cebu?

We asked people if there is a lot of crime. They answered:

"I checked statistics and the crime rate in the Philippines is slightly lower than the US. Just like in the US, crime is higher in the big cities than in the country. And just like anywhere, there are safe places and there are dangerous places. If you walk around a bad section of town at 2 am wearing expensive jewelry and with a bulging wallet in your pocket, well, you're asking for trouble. I saw a list of safest places in the Philippines and #1 was Devau. Cebu was also high on the list, I think number 3. parts of Manila were rated very safe and parts very dangerous. Most dangerous are parts of western Mindinao, where Muslim terrorists operate. Every mall and bank has armed guards, so they are very safe. I have an apartment in a gated community with a wall and guards. Many upscale apartment buildings and condos also have good security. I have never been a victim of any sort of crime here, except maybe some small time scams like being overcharged for a service. I have never witnessed a crime here. I've heard other exists talk about whether they "feel safe". but feel based on what? I'm sure lots of people in dangerous places feel safe until n the moment they're attacked, and I've often heard people in the US talk about how they " felt threatened" when some big man walked near them even though they had no idea if he was a criminal or a priest," wrote one member in Cebu.

"Petty crime, but I am alert to avoid it. Cebu is safer than most American cities," remarked one expat who made the move to Cebu City.

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Is there a lot of diversity? Are people in Cebu accepting of differences?

"Cebu is a diverse city with a variety of ethnicities, religions, and cultures. People in Cebu are generally accepting of differences and are known for their hospitality and friendliness. The city is home to a variety of languages, including Cebuano, English, and Tagalog, and is a melting pot of different cultures. Cebu is also known for its vibrant nightlife, with a variety of bars, clubs, and restaurants catering to different tastes. Overall, Cebu is a welcoming and diverse city that celebrates its differences," explained one expat living in Cebu, Philippines.

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What are the schools in Cebu like?

"Cebu is home to a number of excellent international and bilingual schools. One of the best international schools in Cebu is the Cebu International School (CIS). CIS is an independent, non-sectarian, co-educational day school offering a comprehensive curriculum from pre-kindergarten to grade 12. The school is accredited by the Western Association of Schools and Colleges (WASC) and the Philippine Accrediting Association of Schools, Colleges and Universities (PAASCU). CIS offers a rigorous academic program that prepares students for college and university studies. Another excellent international school in Cebu is the Cebu International Academy (CIA). CIA is a private, non-sectarian, co-educational day school offering a comprehensive curriculum from pre-kindergarten to grade 12. The school is accredited by the Western Association of Schools and Colleges (WASC) and the Philippine Accrediting Association of Schools, Colleges and Universities (PAASCU). CIA offers a rigorous academic program that prepares students for college and university studies. The Cebu Japanese School (CJS) is one of the best bilingual schools in Cebu. CJS is a private, non-sectarian, co-educational day school offering a comprehensive curriculum from pre-kindergarten to grade 12. The school is accredited by the Japanese Ministry of Education and the Philippine Accrediting Association of Schools, Colleges and Universities (PAASCU). CJS offers a rigorous academic program that prepares students for college and university studies in both Japanese and English," said one expat in Cebu with children at .

What are the pros and cons of living in Cebu?

Expats, digital nomads and retirees living in Cebu responded:

"Expats and digital nomads often appreciate the low cost of living in Cebu, as well as the friendly locals and the abundance of activities and attractions. They also enjoy the tropical climate and the beautiful beaches. On the other hand, some expats and digital nomads may find the traffic and pollution in Cebu to be a bit overwhelming. Additionally, the lack of reliable public transportation can be a challenge for those who are not used to it," said an expat in Cebu.

"NO regrets: been there except when I travel for 21 years. Hope to end it there but not in hurry: too much to look forward to each day: sea is warm, fresh food, cold beer. Life is great!," remarked one expat in Cebu.

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What type of social life can someone expect in Cebu?

When we asked expats and global nomads about their social experiences in Cebu, they replied:

"Filipinos are very welcoming to foreigners. Friendliest people I have ever known," wrote one expat living in Cebu.

"Expats, retirees and digital nomads living in Cebu typically have an active social life. There are many opportunities to meet people from all walks of life, from locals to other expats, retirees and digital nomads. There are plenty of activities to do, from attending local festivals and events to exploring the city's many attractions. There are also plenty of bars, restaurants and cafes to socialize in, as well as a vibrant nightlife. Additionally, there are many expat-run groups and organizations that offer social activities and events, providing a great way to meet new people and make friends," commented one expat who moved to Cebu.

"It is helpful to have a trusted Native friend to help you when you need to go to any government agencies to navigate the bureaucracy and language issues," remarked one expat in Cebu.

"Cebu is a vibrant city with a lively social scene. There are plenty of bars, clubs, and restaurants to explore, as well as a variety of cultural activities and events to enjoy. The city is also home to a number of festivals throughout the year, such as the Sinulog Festival and the Cebu International Marathon. There are also plenty of outdoor activities to enjoy, such as hiking, swimming, and beach activities. Cebu is a great place to meet new people and make new friends, and the locals are known for their hospitality and welcoming attitude," wrote one expat living in Cebu.

What advice to expats in Cebu have about housing?

"Expats in Cebu recommend researching the area you are interested in living in before committing to a rental. It is important to visit the area and meet the neighbors to get a better understanding of the local culture and lifestyle. Additionally, it is important to check the condition of the property and make sure that all necessary repairs and maintenance are taken care of before signing a lease. Expats also suggest negotiating the rent and other terms of the lease to get the best deal possible. Finally, it is important to make sure that the rental agreement is in writing and that all parties involved understand the terms of the agreement," mentioned one expat inCebu.

What are medical services in Cebu like?

When we asked expats and global nomads about the quality of medical care in Cebu, they replied:

"Cebu offers a wide range of medical services, including both public and private hospitals. The public hospitals provide basic medical care and are generally more affordable than private hospitals. Private hospitals offer more advanced medical services and treatments, such as specialized surgeries and treatments for chronic illnesses. Additionally, there are a number of clinics and medical centers in Cebu that provide general medical care and treatments. Many of these clinics and medical centers also offer specialized services such as physical therapy, occupational therapy, and speech therapy," remarked one expat living in Cebu.

"Competent doctors. Took an appointment a week in advance for an MRI that was needed immediately," said one expat living in Cebu.

Are healthcare and health insurance expensive in Cebu?

"Cebu city health care is very affordable. Good, top doctors compared to the U.S. When you are hospitalized and you ring for a nurse for help, you immediately get help - not one nurse but sometimes 3. We have a good experience in Cebu," wrote one expat living in Cebu.

"Healthcare and health insurance in Cebu can be expensive, depending on the type of care and coverage needed. Private healthcare facilities tend to be more expensive than public ones, and health insurance plans can vary in cost depending on the type of coverage and the provider. Generally, health insurance plans in Cebu are more expensive than in other parts of the Philippines, due to the higher cost of living in the area," commented one expat who moved to Cebu.

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Is the cost of living in Cebu high?

We asked people about the cost of living in Cebu, they wrote:

"The cost of living in Cebu is generally considered to be quite affordable. A nice 1 bedroom apartment in Cebu can be rented for around $400 USD per month, while a nice 2 bedroom apartment can be rented for around $600 USD per month. Eating dinner at a moderately priced restaurant in Cebu will typically cost around $10 USD per person," said one expat living in Cebu.

What are the visa & residency requirements in Cebu?

"To apply for a visa to Cebu, one must first determine which type of visa is required. Depending on the purpose of the visit, a tourist visa, business visa, or student visa may be necessary. The application process typically involves submitting a completed application form, passport-sized photographs, a valid passport, and other supporting documents. To apply for residency in Cebu, Philippines, one must first obtain a valid visa. Depending on the purpose of the residency, a temporary resident visa, permanent resident visa, or special resident retiree visa may be necessary. The application process typically involves submitting a completed application form, passport-sized photographs, a valid passport, proof of financial stability, and other supporting documents," remarked one expat in Cebu.

Why do people move to Cebu?

When we asked people why foreigners move to Cebu, they responded:

"Cebu is an attractive destination for expats due to its low cost of living, beautiful beaches, and vibrant culture. The city is known for its friendly locals, delicious cuisine, and stunning natural scenery. Additionally, Cebu offers a wide range of activities and attractions, from shopping and nightlife to outdoor adventures and historical sites. With its tropical climate, diverse population, and excellent infrastructure, Cebu is an ideal place for expats to settle down and enjoy a relaxed lifestyle," wrote one expat living in Cebu.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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