Last update: Oct 2026

Cost of Living Comparison Between Bielsko-biala and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,480 in Bielsko-biala, rent and utilities included – about $6,700 less a year. Rent and utilities account for most of the difference.

72

Cost of Living Index in Bielsko-biala
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Bielsko-biala Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Bielsko-biala

🇵🇱 Poland

$1,480

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,480 in Bielsko-biala versus $918 in Cebu.

Bielsko-biala $1,480
Cebu $918

Estimated couple costs with rent: $2,131 in Bielsko-biala versus $1,409 in Cebu.

Bielsko-biala $2,131
Cebu $1,409

Monthly costs for a family of three with rent: $2,782 in Bielsko-biala versus $1,900 in Cebu.

Bielsko-biala $2,782
Cebu $1,900

Living in Bielsko-biala is roughly 61% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Bielsko-biala is 10% above, Cebu is 32% below.

Meal at Budget Restaurant

$9.45 zł 36.70

$3.09 ₱194

205.83%

Three-Course Dinner for Two, Mid-Range

$45.98 zł 179

$24.22 ₱1,525

89.84%

Fast Food Meal (McDonalds, etc)

$8.95 zł 34.76

$3.92 ₱247

128.32%

Cappuccino

$3.61 zł 14.03

$2.51 ₱158

43.82%

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

$2.21 zł 8.60

$1.59 ₱100

38.99%

Water (0.33 liter bottle)

$1.36 zł 5.27

$0.53 ₱33.43

156.60%

Local Beer (0.5 liter draught)

$3.77 zł 14.66

$1.78 ₱112

111.80%

Imported Beer (0.33 liter bottle)

$3.79 zł 14.73

$2.17 ₱137

74.65%

Milk (1 liter)

$1.04 zł 4.03

$1.92 ₱121

-45.83%

White Bread (500g)

$1.11 zł 4.30

$1.36 ₱85.4

-18.38%

Rice (white) (1kg)

$1.39 zł 5.40

$1.01 ₱63.5

37.62%

Eggs

$2.87 zł 11.16

$2.03 ₱128

41.38%

Local Cheese (1kg)

$8.22 zł 31.95

$9.86 ₱621

-16.63%

Chicken Fillets (1kg)

$5.86 zł 22.77

$4.39 ₱277

33.49%

Beef Round Steak (1kg)

$9.75 zł 37.88

$7.60 ₱479

28.29%

Apples (1kg)

$1.17 zł 4.56

$3.30 ₱208

-64.55%

Banana (1kg)

$1.61 zł 6.25

$1.39 ₱87.8

15.83%

Oranges (1kg)

$2.11 zł 8.19

$2.33 ₱147

-9.44%

Tomato (1kg)

$1.94 zł 7.53

$1.50 ₱94.3

29.33%

Potato (1kg)

$0.80 zł 3.10

$2.36 ₱149

-66.10%

Onion (1kg)

$0.79 zł 3.07

$1.90 ₱119

-58.42%

Lettuce (1 head)

$1.04 zł 4.03

$1.19 ₱74.9

-12.61%

Water (1.5 liter bottle)

$0.62 zł 2.41

$0.63 ₱39.71

-1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$4.91 zł 19.09

$3.00 ₱189

63.67%

Wine (Bottle)

$6.33 zł 24.61

$6.03 ₱379

4.98%

Local Beer (0.5 liter bottle)

$1.10 zł 4.29

$1.23 ₱77.7

-10.57%

Imported Beer (0.33 liter bottle)

$1.65 zł 6.41

$1.75 ₱110

-5.71%

One-way Ticket (Public Transport)

$1.25 zł 4.85

$0.25 ₱15.86

400.00%

Public Transport Monthly Pass (Regular Price)

$36.33 zł 141

$12.64 ₱796

187.42%

Taxi Start (Normal Tariff)

$1.51 zł 5.85

$0.77 ₱48.62

96.10%

Taxi (Normal Tariff) (1km)

$0.54 zł 2.09

$0.23 ₱14.53

134.78%

Taxi 1hour Waiting (Normal Tariff)

$9.36 zł 36.38

$4.46 ₱281

109.87%

Gasoline (1 liter)

$1.66 zł 6.46

$1.31 ₱82.8

26.72%

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

$30.8K zł 119.7K

$21.2K ₱1.3M

45.02%

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

$25.6K zł 99.5K

$19.1K ₱1.2M

33.81%

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

$291 zł 1,132

$120 ₱7,569

142.40%

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

$8.48 zł 32.95

$14.00 ₱882

-39.43%

Internet (50+ Mbps, Unlimited Data)

$16.92 zł 65.8

$27.54 ₱1,734

-38.56%

Gym Membership (Monthly)

$40.85 zł 159

$32.33 ₱2,035

26.35%

Tennis Court (1 Hour on Weekend)

$44.81 zł 174

$6.65 ₱419

573.83%

Cinema Ticket

$7.08 zł 27.51

$5.65 ₱356

25.31%

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

$286 zł 1,111

$275 ₱17.3K

3.88%

International Primary School, 1 Child (Yearly)

$2,529 zł 9,825

$7,918 ₱498.5K

-68.06%

Jeans (Levis 501 Or Similar)

$72.8 zł 283

$49.33 ₱3,106

47.56%

Summer Dress (H&M, Zara, etc)

$40.10 zł 156

$25.24 ₱1,589

58.87%

Sport Shoes (Adidas, Nike)

$88.2 zł 343

$77.0 ₱4,846

14.63%

Men's Leather Business Shoes

$95.2 zł 370

$57.2 ₱3,601

66.40%

1-bedroom Apartment, City Center (Monthly)

$605 zł 2,351

$500 ₱31.5K

21.13%

1-bedroom Apartment, Outside City Center (Monthly)

$551 zł 2,139

$309 ₱19.4K

78.32%

3-bedroom Apartment, City Center (Monthly)

$1,700 zł 6,606

$1,078 ₱67.9K

57.76%

3-bedroom Apartment, Outside City Center (Monthly)

$864 zł 3,355

$615 ₱38.7K

40.38%

Buy Apartment in City Center (m2)

$2,428 zł 9,433

$2,886 ₱181.7K

-15.87%

Buy Apartment Outside City Center (m2)

$1,942 zł 7,545

$1,917 ₱120.7K

1.32%

Average Monthly Net Salary (After Tax)

$1,435 zł 5,574

$346 ₱21.8K

314.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

7.2

-4.58%

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

Last update for Bielsko-biala: 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

Bielsko-biala

$551 37.2%

Cebu

$309 33.6% 43.9% $242

Monthly Utilities & Internet

Bielsko-biala

$317 21.4%

Cebu

$162 17.6% 48.9% $155

Groceries & Markets

Bielsko-biala

$192 13%

Cebu

$206 22.4% 7% $13

Eating Out

Bielsko-biala

$186 12.6%

Cebu

$88 9.6% 52.7% $98

Clothing & Footwear

Bielsko-biala

$133 9%

Cebu

$94 10.2% 29.6% $39

Sport & Entertainment

Bielsko-biala

$55 3.7%

Cebu

$44 4.8% 20.7% $11

Getting Around

Bielsko-biala

$46 3.1%

Cebu

$16 1.7% 65.8% $30

Cost Breakdown

A one-bedroom apartment in the center runs $605 in Bielsko-biala and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Bielsko-biala pays 315% 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: $46.00 in Bielsko-biala vs $24.00 in Cebu. Groceries flip the comparison at $192 vs $206, with Bielsko-biala cheaper for home cooking.

Good to know

🇵🇱 Bielsko-biala

🇵🇭 Cebu

🕒 Local time

14:40 2:40 PM

20:40 8:40 PM

6 h ahead of Bielsko-biala

🌤 Weather

👥 Population

169,756

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

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Highest

Between locations

Bielsko-biala Cebu 10,170 km ≈ 13 h nonstop flight

From you

Bielsko-biala
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

Bielsko-biala vs Cebu: Cost of Living - Frequently Asked Questions

Bielsko-biala and Cebu differ by about 61% in total monthly costs ($1,480 vs $918 including rent). Cebu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 315% higher in Bielsko-biala, 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: $605 in Bielsko-biala versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Cebu runs roughly 187% less than in Bielsko-biala. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $286 in Bielsko-biala versus $275 in Cebu. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $918 in Cebu versus $1,480 in Bielsko-biala, a $1,500 budget is realistic in Cebu but tight or insufficient in Bielsko-biala. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Bielsko-biala 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 61% less than in Bielsko-biala. Beyond cost, consider language, visa policies, and how big the international community is in each city.