Last update: Oct 2026

Cost of Living Comparison Between Bialystok and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,450 in Bialystok, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

71

Cost of Living Index in Bialystok
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Bialystok Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Bialystok

🇵🇱 Poland

$1,450

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

A single person spends $1,450 per month in Bialystok vs $918 in Cebu, rent included.

Bialystok $1,450
Cebu $918

A couple spends around $2,061 per month in Bialystok vs $1,409 in Cebu, rent included.

Bialystok $2,061
Cebu $1,409

A family of three spends $2,672 per month in Bialystok vs $1,900 in Cebu, rent included.

Bialystok $2,672
Cebu $1,900

Bialystok costs about 58% more than Cebu, and outside of rent the biggest gap is in eating out.

Bialystok sits 7% above the global median, while Cebu is 32% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$9.82 zł 38.15

$3.09 ₱194

217.80%

Three-Course Dinner for Two, Mid-Range

$45.59 zł 177

$24.22 ₱1,525

88.23%

Fast Food Meal (McDonalds, etc)

$9.01 zł 35.02

$3.92 ₱247

129.85%

Cappuccino

$3.60 zł 13.99

$2.51 ₱158

43.43%

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

$1.80 zł 6.99

$1.59 ₱100

13.21%

Water (0.33 liter bottle)

$1.57 zł 6.11

$0.53 ₱33.43

196.23%

Local Beer (0.5 liter draught)

$3.47 zł 13.48

$1.78 ₱112

94.94%

Imported Beer (0.33 liter bottle)

$3.03 zł 11.77

$2.17 ₱137

39.63%

Milk (1 liter)

$1.06 zł 4.11

$1.92 ₱121

-44.79%

White Bread (500g)

$1.01 zł 3.93

$1.36 ₱85.4

-25.74%

Rice (white) (1kg)

$2.22 zł 8.63

$1.01 ₱63.5

119.80%

Eggs

$3.82 zł 14.84

$2.03 ₱128

88.18%

Local Cheese (1kg)

$9.25 zł 35.94

$9.86 ₱621

-6.19%

Chicken Fillets (1kg)

$5.78 zł 22.47

$4.39 ₱277

31.66%

Beef Round Steak (1kg)

$11.23 zł 43.63

$7.60 ₱479

47.76%

Apples (1kg)

$1.20 zł 4.68

$3.30 ₱208

-63.64%

Banana (1kg)

$1.83 zł 7.09

$1.39 ₱87.8

31.65%

Oranges (1kg)

$1.57 zł 6.08

$2.33 ₱147

-32.62%

Tomato (1kg)

$2.00 zł 7.78

$1.50 ₱94.3

33.33%

Potato (1kg)

$1.04 zł 4.05

$2.36 ₱149

-55.93%

Onion (1kg)

$1.17 zł 4.54

$1.90 ₱119

-38.42%

Lettuce (1 head)

$1.12 zł 4.35

$1.19 ₱74.9

-5.88%

Water (1.5 liter bottle)

$0.62 zł 2.40

$0.63 ₱39.71

-1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$5.07 zł 19.70

$3.00 ₱189

69.00%

Wine (Bottle)

$6.29 zł 24.45

$6.03 ₱379

4.31%

Local Beer (0.5 liter bottle)

$1.15 zł 4.47

$1.23 ₱77.7

-6.50%

Imported Beer (0.33 liter bottle)

$1.46 zł 5.66

$1.75 ₱110

-16.57%

One-way Ticket (Public Transport)

$1.10 zł 4.26

$0.25 ₱15.86

340.00%

Public Transport Monthly Pass (Regular Price)

$32.94 zł 128

$12.64 ₱796

160.60%

Taxi Start (Normal Tariff)

$2.01 zł 7.81

$0.77 ₱48.62

161.04%

Taxi (Normal Tariff) (1km)

$0.65 zł 2.52

$0.23 ₱14.53

182.61%

Taxi 1hour Waiting (Normal Tariff)

$12.95 zł 50.3

$4.46 ₱281

190.36%

Gasoline (1 liter)

$1.55 zł 6.01

$1.31 ₱82.8

18.32%

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

$30.2K zł 117.4K

$21.2K ₱1.3M

42.24%

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

$27.0K zł 105.0K

$19.1K ₱1.2M

41.18%

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

$298 zł 1,157

$120 ₱7,569

147.73%

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

$8.38 zł 32.54

$14.00 ₱882

-40.14%

Internet (50+ Mbps, Unlimited Data)

$17.99 zł 69.9

$27.54 ₱1,734

-34.68%

Gym Membership (Monthly)

$41.37 zł 161

$32.33 ₱2,035

27.96%

Tennis Court (1 Hour on Weekend)

$27.66 zł 107

$6.65 ₱419

315.94%

Cinema Ticket

$6.71 zł 26.08

$5.65 ₱356

18.76%

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

$359 zł 1,394

$275 ₱17.3K

30.36%

International Primary School, 1 Child (Yearly)

$4,280 zł 16.6K

$7,918 ₱498.5K

-45.95%

Jeans (Levis 501 Or Similar)

$98.7 zł 383

$49.33 ₱3,106

100.04%

Summer Dress (H&M, Zara, etc)

$36.27 zł 141

$25.24 ₱1,589

43.70%

Sport Shoes (Adidas, Nike)

$86.0 zł 334

$77.0 ₱4,846

11.71%

Men's Leather Business Shoes

$89.9 zł 349

$57.2 ₱3,601

57.10%

1-bedroom Apartment, City Center (Monthly)

$541 zł 2,101

$500 ₱31.5K

8.25%

1-bedroom Apartment, Outside City Center (Monthly)

$496 zł 1,925

$309 ₱19.4K

60.46%

3-bedroom Apartment, City Center (Monthly)

$820 zł 3,187

$1,078 ₱67.9K

-23.89%

3-bedroom Apartment, Outside City Center (Monthly)

$720 zł 2,799

$615 ₱38.7K

17.09%

Buy Apartment in City Center (m2)

$2,620 zł 10.2K

$2,886 ₱181.7K

-9.24%

Buy Apartment Outside City Center (m2)

$2,272 zł 8,826

$1,917 ₱120.7K

18.53%

Average Monthly Net Salary (After Tax)

$1,462 zł 5,680

$346 ₱21.8K

322.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

7.2

-1.81%

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

Last update for Bialystok: 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

Bialystok

$496 34.2%

Cebu

$309 33.6% 37.7% $187

Monthly Utilities & Internet

Bialystok

$324 22.4%

Cebu

$162 17.6% 50.1% $162

Groceries & Markets

Bialystok

$207 14.3%

Cebu

$206 22.4% 0.6% $1.2

Eating Out

Bialystok

$186 12.8%

Cebu

$88 9.6% 52.5% $97

Clothing & Footwear

Bialystok

$140 9.7%

Cebu

$94 10.2% 32.8% $46

Sport & Entertainment

Bialystok

$55 3.8%

Cebu

$44 4.8% 20.4% $11

Getting Around

Bialystok

$43 2.9%

Cebu

$16 1.7% 63.4% $27

Cost Breakdown

A central one-bedroom costs $541 in Bialystok versus $500 in Cebu. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 323% higher in Bialystok, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $46.00 in Bialystok versus $24.00 in Cebu. Monthly groceries follow the same trend: $207 vs $206 – making Cebu the more affordable choice for daily food spending.

Good to know

🇵🇱 Bialystok

🇵🇭 Cebu

🕒 Local time

19:37 7:37 PM

01:37 1:37 AM

6 h ahead of Bialystok

🌤 Weather

👥 Population

297,554

964,169

💱 Currency

Polish Złoty PLN zł

Philippine Peso PHP ₱

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 18, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 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 PLN in detail →

On the map

Lowest

Highest

Between locations

Bialystok Cebu 9,800 km ≈ 13 h nonstop flight

From you

Bialystok
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

Bialystok vs Cebu: Cost of Living - Frequently Asked Questions

Bialystok costs about 58% more than Cebu, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,175 per month in Bialystok and $1,377 in Cebu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cebu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $359 per month in Bialystok and $275 in Cebu. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 1% more in Bialystok, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Cebu, where all-in costs run around $918, than in Bialystok at $1,450. In Cebu it covers expenses comfortably, while in Bialystok it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Cebu costs $918 versus $1,450 in Bialystok. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Cebu. If higher salaries, better infrastructure, or specific career opportunities are the priority, Bialystok makes more sense. Both are solid long-term options with distinct trade-offs.