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Tool · Cost of living

Which city is actually cheaper — Cebu, Davao, or Iloilo?

Set your household profile and compare all three cities side by side, ranked cheapest-first on rent and electricity. Every rate is a dated city ledger; the kWh and m³ are your own assumptions, so the tool computes your quantities against our numbers — never an asserted measured total.

What size place are you comparing?
kWh

A solo renter runs ~10 m³; a couple ~15; a family ~25. Water is context, not ranked.

Cheapest for your profile

Iloilo

₱24,168/month on rent + electricity — ₱9,487/month less than Cebu (₱113,844/year).

Verified Aug 2026·source
Iloilo is cheapest on rent + electricity at ₱24,168/month; Cebu is highest at ₱33,655.
Show the data table
Comparable monthly subtotal (rent + electricity) by city, cheapest first.
Rank · cityRent + electricity
1. Iloilo₱24,168
2. Davao₱27,227
3. Cebu₱33,655
Rent: editorial baseline (n=null). Electricity: dated ₱/kWh × your kWh.·source: LiveInPH city ledgers
Per monthIloilo#1Davao#2Cebu#3
Renteditorial baseline · n=null₱19,863₱23,300₱29,167
Electricitydated ₱/kWh × your kWh₱4,305₱3,927₱4,488
Watertariff bill · Iloilo is a gap₱327₱402
Ranked subtotalrent + electricity ₱24,168₱27,227₱33,655

The ranked subtotal is rent + electricity — the two lines every city publishes as a dated ledger. Water is shown for context but not ranked; Iloilo's is a documented gap.

What this means

  • For a 1 bedroom at 300 kWh/month, Iloilo is the cheapest on rent + electricity (₱24,168/month) and Cebu the most expensive (₱33,655), a ₱9,487/month gap — ₱113,844/year.

  • The ranking is driven by rent, and every city's rent line is an EDITORIAL BASELINE, not a measured market rate — no listing sample has been collected for any city (n is null everywhere). Treat it as a planning prior and check live listings. Electricity is a real dated ₱/kWh; the kWh and m³ are your declared assumptions, not measurements.

  • Water is shown per city but not ranked: MCWD (Cebu) and DCWD (Davao) publish tiered tariffs, but MPIW (Iloilo) publishes no current minimum charge, so an Iloilo water bill cannot be computed and is left as a documented gap. Davao's water figure is a Feb-2024 floor understated by an unpublished July-2024 tranche.

  • Metro Manila is not in this comparison yet: the NCR utility primaries (Meralco publishes ₱/kWh only inside monthly PDFs; Maynilad's rates page returns 404) could not be verified live, so NCR is registered as a documented gap rather than guessed — it is a planned fast follow once the NCR panel is collected.

Methodology, formula + sources

How this is calculated

The ranked answer runs on the two lines every one of the three cities publishes as a DATED ledger: rent and electricity. Electricity is your declared monthly kWh times that city's current ₱/kWh (VECO for Cebu, Davao Light for Davao, MORE Power for Iloilo) — a real, dated utility rate. Rent is the mean of that city's editorial-baseline asking-rent midpoints for your chosen unit size; it is NOT a measured market rate (no listing sample has been collected for any city, n is null everywhere), and it drives the ranking, so treat the whole ranking as a planning prior. Water is shown per city for context but is NOT ranked: MCWD (Cebu) and DCWD (Davao) publish tiered tariffs, but MPIW (Iloilo) publishes no current minimum charge, so an Iloilo water bill cannot be computed and is left as a documented gap rather than invented. Basket quantities (kWh, m³, unit size) are user-editable declared assumptions; per-line rates are dated primary.

Formula

per city, per month:
  rent        = mean(editorial-baseline midpoints for the unit size)   // n = null
  electricity = your kWh × city ₱/kWh   (dated: VECO / DLPC / MORE)
  water       = city tariff bill(your m³)   // Cebu, Davao; Iloilo = gap

ranked subtotal = rent + electricity   (the two universal dated lines)
ranking = cities sorted by ranked subtotal, cheapest first
  (a city with no baseline segment for the chosen size is unranked, not guessed)

Constants + data sources (each dated)

Value used Source As of
Cebu electricity: ₱14.96/kWh (VECO) Visayan Electric, 2026-08-20 (primary — utility's own peso figure) 2026-08
Davao electricity: ₱13.09/kWh (Davao Light) Davao Light via Mindanao Times, 2026-07-19 — July 11 to August 10, 2026 cycle 2026-07
Iloilo electricity: ₱14.3490/kWh (MORE Power) MORE Power official monthly rates, July 2026 cycle 2026-07
Water tariffs: MCWD ₱259.16 min/10m³ (Cebu) · DCWD tiered (Davao) · MPIW = no published minimum charge (Iloilo gap) MCWD / DCWD / MPIW tariff ledgers 2026-04

Worked example (reproduce this by hand)

A 1-bedroom at 300 kWh/month, comparing electricity across the three cities (rates read live).

  1. Cebu: 300 × ₱14.96 = ₱4,488
  2. Davao: 300 × ₱13.09 = ₱3,927
  3. Iloilo: 300 × ₱14.3490 = ₱4,305
  4. Add each city’s mean 1BR editorial rent to get the ranked subtotal

→ Electricity alone: Cebu ₱4,488, Davao ₱3,927, Iloilo ₱4,305. Rent (the bigger line) sets the final ranking. Same numbers in code, ledgers, and tests.

Assumptions

  • The kWh and m³ are declared assumptions with published defaults (fan-only ~150 kWh, light-AC ~300, heavy-AC ~500; solo ~10 m³, couple ~15, family ~25), not a metered reading.
  • Rent is the mean of a city’s editorial-baseline midpoints for the size — an arithmetic average of hand-written ranges, not a median and not a measured rent.
  • Davao’s water figure is the Feb-2024 floor; a ~9.99% July-2024 tranche took effect with no published peso figures, so the real Davao bill is higher by an unpublished amount.

Known limits — what this does not model

  • Ranks on rent + electricity only. It does not roll food, transport, internet or one-off setup costs into the ranking, because those are not dated per-city ledgers we can compare without inventing quantities (see the food/transport basis note below).
  • Iloilo water is a documented gap (MPIW publishes no current minimum charge), so Iloilo’s total is rent + electricity only.
  • Metro Manila is not included yet — the NCR utility primaries could not be verified live (see the note below). It is a planned fast follow, not a guess.
Last verified Sep 2026 · Next review On the next VECO / Davao Light / MORE Power cycle or a city tariff revision · Full methodology + sources

Why food and transport aren’t in the ranking

We surface the basis instead of averaging incomparable numbers.

A cross-city food or transport line would need a per-city monthly peso figure on a shared basis. We don’t have that as dated ledgers, and we don’t invent it. What we do own, stamped by basis:

  • Food: Cebu staple prices are a PSA wholesale ₱/kg basket; Iloilo uses a PSA national retail benchmark (the Iloilo retail survey is a documented gap); Davao has no seeded food series. Three different bases — averaging them silently would be a fabricated comparison.
  • Transport: Cebu and Iloilo carry the LTFRB jeepney minimum fare (both ₱13 under the national order); Davao has no seeded fare matrix. A fare is not a monthly transport budget without a trips-per-day assumption.

Metro Manila · documented gap

NCR is a planned fast follow, not a guess.

Metro Manila belongs in this comparison and its inputs are published — but on 2026-09-04 the NCR utility primaries would not verify live: Meralco exposes its residential ₱/kWh only inside monthly PDF advisories, not as a machine-readable figure, and Maynilad’s rates page returned a 404. Rather than seed an NCR panel from a guessed number, NCR is left out.

The NCR series collection (Meralco, Manila Water / Maynilad, PSA RSSO-NCR CPI, the RTWPB-NCR wage order — whose ₱755/day floor is under a Pasig RTC injunction and would be published with that disputed status — and LTFRB-NCR fares) is the deliberate next step. Manila lands when the panel is collected, on the same dated-ledger basis as the other three cities.

The data behind this tool

Check our numbers.

The comparator reads the published city electricity and water datasets and the Cebu rent baseline. Download them, reuse them, or audit the tool against them. (The Davao and Iloilo rent baselines are editorial ledgers documented on /methodology.)

Cite this dataset

Citation

LiveInPH. "Cebu Electricity Rate Series (VECO ₱/kWh) — monthly billing cycles" (2026-08). LiveInPH, https://liveinph.com/data/cebu-electricity-rate. Accessed 2026. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

Cite this dataset

Citation

LiveInPH. "Davao Electricity Rate Series (Davao Light ₱/kWh) — monthly billing cycles" (2026-07). LiveInPH, https://liveinph.com/data/davao-electricity-rate. Accessed 2026. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

Cite this dataset

Citation

LiveInPH. "Iloilo Electricity Rate Series (MORE Power ₱/kWh) — monthly billing cycles" (2026-07). LiveInPH, https://liveinph.com/data/iloilo-electricity-rate. Accessed 2026. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

Cite this dataset

Citation

LiveInPH. "Cebu Water Tariff (MCWD) — tiered residential rate" (2026-04). LiveInPH, https://liveinph.com/data/cebu-water-tariff. Accessed 2026. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

Cite this dataset

Citation

LiveInPH. "Davao Water Tariff (DCWD) — second-tranche residential schedule, with the unpriced July 2024 tranche stated" (2024-02). LiveInPH, https://liveinph.com/data/davao-water-tariff. Accessed 2024. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

Cite this dataset

Citation

LiveInPH. "Iloilo Water Tariff (MPIW) — two-tranche basic rate, with the published minimum-charge gap" (2026-03). LiveInPH, https://liveinph.com/data/iloilo-water-tariff. Accessed 2026. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

Cite this dataset

Citation

LiveInPH. "Cebu Rent Baseline (editorial) — asking-rent ranges by neighborhood × unit type" (2026-05). LiveInPH, https://liveinph.com/data/cebu-rent-index. Accessed 2026. Licensed CC BY 4.0.

Free to reuse, including commercially and by AI systems, on one condition: attribute “LiveInPH, https://liveinph.com” and link the dataset page. The CSV carries the same provenance in its header comment.

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