Last update: Oct 2026

Cost of Living Comparison Between Cebu and Łomianki

For one person, living is cheaper in Cebu: $918 a month against $1,474 in Łomianki, rent and utilities included – about $6,700 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
75

Cost of Living Index in Łomianki
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Łomianki Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Łomianki

🇵🇱 Poland

$1,474

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Łomianki

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

Monthly costs for one person with rent: $918 in Cebu versus $1,474 in Łomianki.

Cebu $918
Łomianki $1,474

Estimated couple costs with rent: $1,409 in Cebu versus $2,235 in Łomianki.

Cebu $1,409
Łomianki $2,235

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,997 in Łomianki.

Cebu $1,900
Łomianki $2,997

Living in Cebu costs roughly 38% less than in Łomianki, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Łomianki is 9% above.

Meal at Budget Restaurant

$3.09 ₱194

$11.67 zł 45.33

-73.52%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$50.2 zł 195

-51.76%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.82 zł 34.27

-55.56%

Cappuccino

$2.51 ₱158

$3.27 zł 12.70

-23.24%

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

$1.59 ₱100

$2.25 zł 8.73

-29.33%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.97 zł 7.64

-73.10%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.13 zł 12.18

-43.13%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.93 zł 15.26

-44.78%

Milk (1 liter)

$1.92 ₱121

$1.06 zł 4.10

81.13%

White Bread (500g)

$1.36 ₱85.4

$1.27 zł 4.93

7.09%

Rice (white) (1kg)

$1.01 ₱63.5

$1.37 zł 5.33

-26.28%

Eggs

$2.03 ₱128

$3.80 zł 14.78

-46.58%

Local Cheese (1kg)

$9.86 ₱621

$8.92 zł 34.66

10.54%

Chicken Fillets (1kg)

$4.39 ₱277

$7.33 zł 28.46

-40.11%

Beef Round Steak (1kg)

$7.60 ₱479

$14.79 zł 57.5

-48.61%

Apples (1kg)

$3.30 ₱208

$1.22 zł 4.74

170.49%

Banana (1kg)

$1.39 ₱87.8

$1.69 zł 6.56

-17.75%

Oranges (1kg)

$2.33 ₱147

$1.68 zł 6.51

38.69%

Tomato (1kg)

$1.50 ₱94.3

$4.05 zł 15.73

-62.96%

Potato (1kg)

$2.36 ₱149

$0.89 zł 3.47

165.17%

Onion (1kg)

$1.90 ₱119

$0.86 zł 3.35

120.93%

Lettuce (1 head)

$1.19 ₱74.9

$1.29 zł 5.02

-7.75%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.64 zł 2.50

-1.56%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.76 zł 22.39

-47.92%

Wine (Bottle)

$6.03 ₱379

$6.20 zł 24.09

-2.74%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.08 zł 4.19

13.89%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.50 zł 5.83

16.67%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.03 zł 4.02

-75.73%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$27.05 zł 105

-53.27%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.08 zł 8.10

-62.98%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.75 zł 2.91

-69.33%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$10.05 zł 39.03

-55.62%

Gasoline (1 liter)

$1.31 ₱82.8

$1.58 zł 6.13

-17.09%

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

$21.2K ₱1.3M

$31.0K zł 120.4K

-31.43%

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

$19.1K ₱1.2M

$28.5K zł 110.8K

-32.84%

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

$120 ₱7,569

$330 zł 1,283

-63.59%

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

$14.00 ₱882

$8.88 zł 34.50

57.66%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$15.99 zł 62.1

72.23%

Gym Membership (Monthly)

$32.33 ₱2,035

$38.89 zł 151

-16.87%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$19.29 zł 75.0

-65.53%

Cinema Ticket

$5.65 ₱356

$8.89 zł 34.55

-36.45%

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

$275 ₱17.3K

$385 zł 1,497

-28.52%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$14.1K zł 55.0K

-44.03%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$100 zł 389

-50.71%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$40.01 zł 155

-36.92%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$104 zł 403

-25.86%

Men's Leather Business Shoes

$57.2 ₱3,601

$103 zł 402

-44.66%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$607 zł 2,357

-17.65%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$436 zł 1,695

-29.21%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$901 zł 3,500

19.65%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$875 zł 3,398

-29.67%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,242 zł 12.6K

-10.98%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,386 zł 9,270

-19.68%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

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 Łomianki: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Łomianki

$436 29.6% 41.2% $127

Groceries & Markets

Cebu

$206 22.4%

Łomianki

$233 15.8% 13.2% $27

Monthly Utilities & Internet

Cebu

$162 17.6%

Łomianki

$355 24.1% 120% $193

Clothing & Footwear

Cebu

$94 10.2%

Łomianki

$156 10.6% 66.4% $62

Eating Out

Cebu

$88 9.6%

Łomianki

$199 13.5% 126% $111

Sport & Entertainment

Cebu

$44 4.8%

Łomianki

$57 3.9% 29.9% $13

Getting Around

Cebu

$16 1.7%

Łomianki

$37 2.5% 138% $21

Cost Breakdown

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

Dining out: $24.00 in Cebu vs $50.0 in Łomianki for a mid-range dinner for two. Groceries echo the gap at $206 vs $233 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Łomianki

🕒 Local time

09:56 9:56 AM

03:56 3:56 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

17,114

💱 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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Between locations

Cebu Łomianki 9,970 km ≈ 13 h nonstop flight

From you

Cebu
Łomianki

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 Łomianki: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 61% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $2,210 in Łomianki to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $500 in Cebu versus $607 in Łomianki. 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 $1,474 in Łomianki – a 61% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 114% less than in Łomianki. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,474 in Łomianki, a $1,500 budget is realistic in Cebu but tight or insufficient in Łomianki. 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 Łomianki, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Łomianki 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 Łomianki. Beyond cost, consider language, visa policies, and how big the international community is in each city.