Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kartuzy

For one person, living is cheaper in Cebu: $918 a month against $1,423 in Kartuzy, rent and utilities included – about $6,100 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
69

Cost of Living Index in Kartuzy
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Kartuzy Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Kartuzy

🇵🇱 Poland

$1,423

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kartuzy

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cebu and in Kartuzy actually costs, broken down by who's living it.

Monthly costs for one person with rent: $918 in Cebu versus $1,423 in Kartuzy.

Cebu $918
Kartuzy $1,423

Estimated couple costs with rent: $1,409 in Cebu versus $2,043 in Kartuzy.

Cebu $1,409
Kartuzy $2,043

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,663 in Kartuzy.

Cebu $1,900
Kartuzy $2,663

Living in Cebu costs roughly 35% less than in Kartuzy, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Kartuzy is 5% above.

Meal at Budget Restaurant

$3.09 ₱194

$8.06 zł 31.30

-61.66%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$41.46 zł 161

-41.58%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.99 zł 34.91

-56.40%

Cappuccino

$2.51 ₱158

$3.35 zł 13.03

-25.07%

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

$1.59 ₱100

$2.13 zł 8.29

-25.35%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.59 zł 6.18

-66.67%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.63 zł 14.09

-50.96%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.77 zł 14.66

-42.44%

Milk (1 liter)

$1.92 ₱121

$0.92 zł 3.59

108.70%

White Bread (500g)

$1.36 ₱85.4

$1.21 zł 4.69

12.40%

Rice (white) (1kg)

$1.01 ₱63.5

$1.13 zł 4.41

-10.62%

Eggs

$2.03 ₱128

$3.34 zł 12.97

-39.22%

Local Cheese (1kg)

$9.86 ₱621

$8.10 zł 31.47

21.73%

Chicken Fillets (1kg)

$4.39 ₱277

$6.83 zł 26.54

-35.72%

Beef Round Steak (1kg)

$7.60 ₱479

$10.96 zł 42.57

-30.66%

Apples (1kg)

$3.30 ₱208

$1.12 zł 4.35

194.64%

Banana (1kg)

$1.39 ₱87.8

$1.65 zł 6.43

-15.76%

Oranges (1kg)

$2.33 ₱147

$1.45 zł 5.65

60.69%

Tomato (1kg)

$1.50 ₱94.3

$2.63 zł 10.22

-42.97%

Potato (1kg)

$2.36 ₱149

$0.83 zł 3.23

184.34%

Onion (1kg)

$1.90 ₱119

$1.03 zł 4.02

84.47%

Lettuce (1 head)

$1.19 ₱74.9

$1.37 zł 5.30

-13.14%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.68 zł 2.64

-7.35%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.56 zł 17.71

-34.21%

Wine (Bottle)

$6.03 ₱379

$6.67 zł 25.91

-9.60%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.13 zł 4.40

8.85%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.57 zł 6.11

11.46%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.10 zł 4.28

-77.27%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$26.96 zł 105

-53.12%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.33 zł 9.05

-66.95%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.74 zł 2.89

-68.92%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$9.94 zł 38.61

-55.13%

Gasoline (1 liter)

$1.31 ₱82.8

$1.64 zł 6.38

-20.12%

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

$21.2K ₱1.3M

$26.8K zł 104.3K

-20.84%

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

$19.1K ₱1.2M

$29.9K zł 116.3K

-36.01%

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

$120 ₱7,569

$271 zł 1,052

-55.58%

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

$14.00 ₱882

$8.82 zł 34.25

58.73%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$17.21 zł 66.9

60.02%

Gym Membership (Monthly)

$32.33 ₱2,035

$38.82 zł 151

-16.72%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$24.96 zł 97.0

-73.36%

Cinema Ticket

$5.65 ₱356

$7.11 zł 27.62

-20.53%

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

$275 ₱17.3K

$362 zł 1,407

-23.97%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$6,810 zł 26.5K

16.28%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$93.2 zł 362

-47.09%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$40.83 zł 159

-38.18%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$95.0 zł 369

-19.02%

Men's Leather Business Shoes

$57.2 ₱3,601

$90.3 zł 351

-36.63%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$607 zł 2,360

-17.77%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$514 zł 1,998

-39.94%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$995 zł 3,868

8.28%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$804 zł 3,124

-23.48%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,891 zł 11.2K

-0.18%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,217 zł 8,615

-13.57%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,269 zł 4,930

-72.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.68

7.78%

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

Last update for Cebu: October 12, 2026

Last update for Kartuzy: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Cebu

$309 33.6%

Kartuzy

$514 36.1% 66.5% $205

Groceries & Markets

Cebu

$206 22.4%

Kartuzy

$205 14.4% 0.3% $0.5

Monthly Utilities & Internet

Cebu

$162 17.6%

Kartuzy

$297 20.9% 83.4% $135

Clothing & Footwear

Cebu

$94 10.2%

Kartuzy

$144 10.1% 53% $50

Eating Out

Cebu

$88 9.6%

Kartuzy

$172 12.1% 95.2% $84

Sport & Entertainment

Cebu

$44 4.8%

Kartuzy

$53 3.7% 21.6% $9.4

Getting Around

Cebu

$16 1.7%

Kartuzy

$37 2.6% 140% $22

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $607 in Kartuzy. Housing cost is often the main lever when comparing two cities.

Kartuzy pays 267% 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: $24.00 in Cebu vs $41.00 in Kartuzy. Groceries flip the comparison at $206 vs $205, with Kartuzy cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇵🇱 Kartuzy

🕒 Local time

10:47 10:47 AM

04:47 4:47 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

14,186

💱 Currency

Philippine Peso PHP ₱

Polish Złoty PLN zł

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

PLN, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 20, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Polish Złoty exchange rates as of October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Kartuzy 10,070 km ≈ 13 h nonstop flight

From you

Cebu
Kartuzy

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

Cebu vs Kartuzy: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 55% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 267% lower in Kartuzy. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $500 in Cebu versus $607 in Kartuzy. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $1,423 in Kartuzy – a 55% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 113% less than in Kartuzy. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,423 in Kartuzy, a $1,500 budget is realistic in Cebu but tight or insufficient in Kartuzy. 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 Kartuzy, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Kartuzy 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 55% less than in Kartuzy. Beyond cost, consider language, visa policies, and how big the international community is in each city.