Last update: Oct 2026

Cost of Living Comparison Between Cebu and Koszalin

For one person, living is cheaper in Cebu: $918 a month against $1,286 in Koszalin, rent and utilities included – about $4,400 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
62

Cost of Living Index in Koszalin
Learn more

Koszalin Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Koszalin

🇵🇱 Poland

$1,286

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Koszalin

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 Koszalin actually costs, broken down by who's living it.

Monthly costs for one person with rent: $918 in Cebu versus $1,286 in Koszalin.

Cebu $918
Koszalin $1,286

Estimated couple costs with rent: $1,409 in Cebu versus $1,910 in Koszalin.

Cebu $1,409
Koszalin $1,910

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,534 in Koszalin.

Cebu $1,900
Koszalin $2,534

Living in Cebu costs roughly 29% less than in Koszalin, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Koszalin 5% lower.

Meal at Budget Restaurant

$3.09 ₱194

$8.18 zł 31.78

-62.22%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$38.27 zł 149

-36.71%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.84 zł 34.34

-55.66%

Cappuccino

$2.51 ₱158

$2.94 zł 11.41

-14.63%

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

$1.59 ₱100

$1.58 zł 6.13

0.63%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.30 zł 5.07

-59.23%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.73 zł 14.51

-52.28%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$2.57 zł 10.00

-15.56%

Milk (1 liter)

$1.92 ₱121

$0.99 zł 3.84

93.94%

White Bread (500g)

$1.36 ₱85.4

$1.11 zł 4.33

22.52%

Rice (white) (1kg)

$1.01 ₱63.5

$0.80 zł 3.10

26.25%

Eggs

$2.03 ₱128

$2.89 zł 11.23

-29.76%

Local Cheese (1kg)

$9.86 ₱621

$8.30 zł 32.26

18.80%

Chicken Fillets (1kg)

$4.39 ₱277

$6.42 zł 24.92

-31.62%

Beef Round Steak (1kg)

$7.60 ₱479

$9.51 zł 36.94

-20.08%

Apples (1kg)

$3.30 ₱208

$0.83 zł 3.22

297.59%

Banana (1kg)

$1.39 ₱87.8

$1.12 zł 4.36

24.11%

Oranges (1kg)

$2.33 ₱147

$1.74 zł 6.77

33.91%

Tomato (1kg)

$1.50 ₱94.3

$2.33 zł 9.05

-35.62%

Potato (1kg)

$2.36 ₱149

$0.66 zł 2.56

257.58%

Onion (1kg)

$1.90 ₱119

$0.77 zł 3.00

146.75%

Lettuce (1 head)

$1.19 ₱74.9

$0.85 zł 3.32

40.00%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.56 zł 2.18

12.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.68 zł 18.20

-35.90%

Wine (Bottle)

$6.03 ₱379

$6.52 zł 25.33

-7.52%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.05 zł 4.06

17.14%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.33 zł 5.16

31.58%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.00 zł 3.87

-75.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$27.92 zł 108

-54.73%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.08 zł 8.10

-62.98%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.64 zł 2.47

-64.06%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$9.03 zł 35.09

-50.61%

Gasoline (1 liter)

$1.31 ₱82.8

$1.65 zł 6.40

-20.61%

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

$21.2K ₱1.3M

$29.7K zł 115.3K

-28.41%

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

$19.1K ₱1.2M

$27.1K zł 105.4K

-29.45%

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

$120 ₱7,569

$287 zł 1,115

-58.12%

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

$14.00 ₱882

$10.15 zł 39.42

37.93%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$17.18 zł 66.8

60.30%

Gym Membership (Monthly)

$32.33 ₱2,035

$35.42 zł 138

-8.72%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$7.52 zł 29.23

-24.87%

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

$275 ₱17.3K

$521 zł 2,024

-47.15%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$7,925 zł 30.8K

-0.08%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$87.3 zł 339

-43.49%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$48.05 zł 187

-47.47%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$91.1 zł 354

-15.51%

Men's Leather Business Shoes

$57.2 ₱3,601

$102 zł 395

-43.78%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$630 zł 2,449

-20.74%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$388 zł 1,508

-20.42%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,030 zł 4,000

4.69%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$759 zł 2,948

-18.91%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,128 zł 8,268

35.62%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,236 zł 4,802

-72.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.67

7.95%

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

Last update for Cebu: October 12, 2026

Last update for Koszalin: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Koszalin

$388 30.2% 25.6% $79

Groceries & Markets

Cebu

$206 22.4%

Koszalin

$185 14.4% 9.9% $20

Monthly Utilities & Internet

Cebu

$162 17.6%

Koszalin

$314 24.5% 94.4% $153

Clothing & Footwear

Cebu

$94 10.2%

Koszalin

$148 11.5% 57.2% $54

Eating Out

Cebu

$88 9.6%

Koszalin

$163 12.6% 84.2% $74

Sport & Entertainment

Cebu

$44 4.8%

Koszalin

$50 3.9% 15.7% $6.8

Getting Around

Cebu

$16 1.7%

Koszalin

$37 2.9% 139% $22

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $630 in Koszalin. Housing cost is often the main lever when comparing two cities.

Koszalin pays 257% 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 $38.00 in Koszalin. Groceries flip the comparison at $206 vs $185, with Koszalin cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇵🇱 Koszalin

🕒 Local time

11:38 11:38 AM

05:38 5:38 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

105,143

💱 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 18, 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 18, 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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Between locations

Cebu Koszalin 10,200 km ≈ 13 h nonstop flight

From you

Cebu
Koszalin

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 Koszalin: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 40% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 257% lower in Koszalin. 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 $630 in Koszalin. 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 $1,286 in Koszalin – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 121% less than in Koszalin. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,286 in Koszalin, a $1,500 budget is realistic in Cebu but tight or insufficient in Koszalin. 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 Koszalin, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Koszalin 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 40% less than in Koszalin. Beyond cost, consider language, visa policies, and how big the international community is in each city.