Last update: Oct 2026

Cost of Living Comparison Between Cebu and Lodz

For one person, living is cheaper in Cebu: $934 a month against $1,469 in Lodz, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
72

Cost of Living Index in Lodz
Learn more

Lodz Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$934

/mo nomad

Lodz

🇵🇱 Poland

$1,469

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Lodz

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

Monthly costs for one person with rent: $934 in Cebu versus $1,469 in Lodz.

Cebu $934
Lodz $1,469

Estimated couple costs with rent: $1,415 in Cebu versus $2,141 in Lodz.

Cebu $1,415
Lodz $2,141

Monthly costs for a family of three with rent: $1,896 in Cebu versus $2,813 in Lodz.

Cebu $1,896
Lodz $2,813

Living in Cebu costs roughly 36% less than in Lodz, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 30% below, Lodz is 10% above.

Meal at Budget Restaurant

$3.03 ₱190

$9.77 zł 38.19

-68.99%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,473

$47.41 zł 185

-50.47%

Fast Food Meal (McDonalds, etc)

$4.09 ₱256

$9.22 zł 36.05

-55.64%

Cappuccino

$2.52 ₱158

$3.53 zł 13.79

-28.61%

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

$1.54 ₱96.9

$2.77 zł 10.81

-44.40%

Water (0.33 liter bottle)

$0.49 ₱30.98

$2.68 zł 10.46

-81.72%

Local Beer (0.5 liter draught)

$1.79 ₱112

$4.49 zł 17.54

-60.13%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$5.00 zł 19.54

-54.80%

Milk (1 liter)

$1.95 ₱122

$1.02 zł 3.99

91.18%

White Bread (500g)

$1.43 ₱89.7

$1.07 zł 4.19

33.64%

Rice (white) (1kg)

$1.02 ₱63.8

$1.34 zł 5.25

-23.88%

Eggs

$2.06 ₱129

$3.31 zł 12.93

-37.76%

Local Cheese (1kg)

$9.81 ₱615

$10.76 zł 42.07

-8.83%

Chicken Fillets (1kg)

$4.61 ₱289

$7.06 zł 27.58

-34.70%

Beef Round Steak (1kg)

$7.70 ₱483

$11.96 zł 46.74

-35.62%

Apples (1kg)

$3.31 ₱207

$1.15 zł 4.48

187.83%

Banana (1kg)

$1.45 ₱90.9

$1.67 zł 6.54

-13.17%

Oranges (1kg)

$2.36 ₱148

$2.31 zł 9.05

2.16%

Tomato (1kg)

$1.54 ₱96.4

$2.96 zł 11.59

-47.97%

Potato (1kg)

$2.36 ₱148

$0.84 zł 3.29

180.95%

Onion (1kg)

$1.99 ₱125

$0.91 zł 3.56

118.68%

Lettuce (1 head)

$1.15 ₱72.1

$1.32 zł 5.17

-12.88%

Water (1.5 liter bottle)

$0.67 ₱42.15

$0.59 zł 2.29

13.56%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱188

$5.78 zł 22.59

-48.10%

Wine (Bottle)

$6.35 ₱398

$6.72 zł 26.25

-5.51%

Local Beer (0.5 liter bottle)

$1.31 ₱81.9

$1.16 zł 4.52

12.93%

Imported Beer (0.33 liter bottle)

$1.73 ₱108

$1.68 zł 6.57

2.98%

One-way Ticket (Public Transport)

$0.25 ₱15.78

$1.16 zł 4.55

-78.45%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱793

$50.8 zł 198

-75.09%

Taxi Start (Normal Tariff)

$0.74 ₱46.32

$1.57 zł 6.14

-52.87%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.11

$0.58 zł 2.25

-63.79%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱271

$9.01 zł 35.20

-51.94%

Gasoline (1 liter)

$1.33 ₱83.5

$1.62 zł 6.35

-17.90%

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

$21.8K ₱1.4M

$30.8K zł 120.6K

-29.43%

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

$19.4K ₱1.2M

$26.8K zł 104.7K

-27.59%

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

$121 ₱7,563

$309 zł 1,206

-60.93%

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

$14.45 ₱907

$8.67 zł 33.89

66.67%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,774

$17.27 zł 67.5

63.81%

Gym Membership (Monthly)

$32.68 ₱2,050

$36.49 zł 143

-10.44%

Tennis Court (1 Hour on Weekend)

$6.39 ₱401

$18.00 zł 70.3

-64.50%

Cinema Ticket

$5.46 ₱342

$7.86 zł 30.71

-30.53%

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

$273 ₱17.1K

$514 zł 2,010

-46.83%

International Primary School, 1 Child (Yearly)

$8,156 ₱511.5K

$10.3K zł 40.1K

-20.60%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,109

$74.5 zł 291

-33.45%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,560

$40.66 zł 159

-38.83%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,804

$89.0 zł 348

-13.97%

Men's Leather Business Shoes

$59.3 ₱3,717

$96.2 zł 376

-38.39%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.7K

$599 zł 2,343

-15.62%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$456 zł 1,784

-32.19%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.0K

$1,091 zł 4,265

-3.61%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.8K

$810 zł 3,167

-23.60%

Buy Apartment in City Center (m2)

$2,915 ₱182.9K

$3,158 zł 12.3K

-7.68%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.1K

$2,374 zł 9,278

-21.34%

Average Monthly Net Salary (After Tax)

$341 ₱21.4K

$1,605 zł 6,275

-78.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.87

4.80%

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

Last update for Cebu: October 5, 2026

Last update for Lodz: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Lodz

$456 31.2% 47.5% $147

Groceries & Markets

Cebu

$210 22.7%

Lodz

$222 15.2% 5.6% $12

Monthly Utilities & Internet

Cebu

$163 17.7%

Lodz

$335 22.9% 105% $171

Clothing & Footwear

Cebu

$95 10.2%

Lodz

$135 9.2% 42.8% $41

Eating Out

Cebu

$88 9.6%

Lodz

$202 13.8% 129% $114

Sport & Entertainment

Cebu

$44 4.7%

Lodz

$52 3.6% 19.7% $8.6

Getting Around

Cebu

$15 1.7%

Lodz

$60 4.1% 288% $44

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $599 in Lodz. Housing cost is often the main lever when comparing two cities.

Lodz pays 371% 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: $23.00 in Cebu vs $47.00 in Lodz for a mid-range dinner for two. Groceries echo the gap at $210 vs $222 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Lodz

🕒 Local time

19:13 7:13 PM

13:13 1:13 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

711,332

💱 Currency

Philippine Peso PHP ₱

Polish Złoty PLN zł

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 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 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

Polish Złoty exchange rates as of October 10, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.38 PLN (1 PLN = 0.228 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Lodz 10,080 km ≈ 13 h nonstop flight

From you

Cebu
Lodz

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 Lodz: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 57% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 371% lower in Lodz. 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: $506 in Cebu versus $599 in Lodz. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $1,469 in Lodz – a 57% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 301% less than in Lodz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,469 in Lodz, a $1,500 budget is realistic in Cebu but tight or insufficient in Lodz. 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 Lodz, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Lodz 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 57% less than in Lodz. Beyond cost, consider language, visa policies, and how big the international community is in each city.