Last update: Oct 2026

Cost of Living Comparison Between Cebu and Lomza

For one person, living is cheaper in Cebu: $918 a month against $1,483 in Lomza, rent and utilities included – about $6,800 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
73

Cost of Living Index in Lomza
Learn more

Lomza Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Lomza

🇵🇱 Poland

$1,483

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Lomza

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

Monthly costs for one person with rent: $918 in Cebu versus $1,483 in Lomza.

Cebu $918
Lomza $1,483

Estimated couple costs with rent: $1,409 in Cebu versus $2,144 in Lomza.

Cebu $1,409
Lomza $2,144

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,805 in Lomza.

Cebu $1,900
Lomza $2,805

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

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

Meal at Budget Restaurant

$3.09 ₱194

$9.52 zł 37.00

-67.54%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$46.51 zł 181

-47.93%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.00 zł 34.98

-56.44%

Cappuccino

$2.51 ₱158

$3.66 zł 14.22

-31.42%

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

$1.59 ₱100

$2.64 zł 10.25

-39.77%

Water (0.33 liter bottle)

$0.53 ₱33.43

$2.76 zł 10.73

-80.80%

Local Beer (0.5 liter draught)

$1.78 ₱112

$4.71 zł 18.28

-62.21%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$5.05 zł 19.61

-57.03%

Milk (1 liter)

$1.92 ₱121

$1.03 zł 3.98

86.41%

White Bread (500g)

$1.36 ₱85.4

$1.07 zł 4.15

27.10%

Rice (white) (1kg)

$1.01 ₱63.5

$1.39 zł 5.39

-27.34%

Eggs

$2.03 ₱128

$3.42 zł 13.29

-40.64%

Local Cheese (1kg)

$9.86 ₱621

$10.65 zł 41.39

-7.42%

Chicken Fillets (1kg)

$4.39 ₱277

$6.81 zł 26.44

-35.54%

Beef Round Steak (1kg)

$7.60 ₱479

$11.64 zł 45.24

-34.71%

Apples (1kg)

$3.30 ₱208

$1.18 zł 4.60

179.66%

Banana (1kg)

$1.39 ₱87.8

$1.61 zł 6.27

-13.66%

Oranges (1kg)

$2.33 ₱147

$2.36 zł 9.15

-1.27%

Tomato (1kg)

$1.50 ₱94.3

$3.00 zł 11.66

-50.00%

Potato (1kg)

$2.36 ₱149

$0.79 zł 3.06

198.73%

Onion (1kg)

$1.90 ₱119

$0.88 zł 3.42

115.91%

Lettuce (1 head)

$1.19 ₱74.9

$1.38 zł 5.34

-13.77%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.59 zł 2.28

6.78%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.82 zł 22.63

-48.45%

Wine (Bottle)

$6.03 ₱379

$6.66 zł 25.88

-9.46%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.10 zł 4.29

11.82%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.68 zł 6.51

4.17%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.12 zł 4.34

-77.68%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$29.42 zł 114

-57.04%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.59 zł 6.17

-51.57%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.59 zł 2.28

-61.02%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$9.37 zł 36.39

-52.40%

Gasoline (1 liter)

$1.31 ₱82.8

$1.60 zł 6.23

-18.13%

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

$21.2K ₱1.3M

$30.1K zł 116.8K

-29.36%

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

$19.1K ₱1.2M

$26.9K zł 104.6K

-28.90%

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

$120 ₱7,569

$316 zł 1,227

-61.95%

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

$14.00 ₱882

$8.65 zł 33.59

61.85%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$17.11 zł 66.5

60.96%

Gym Membership (Monthly)

$32.33 ₱2,035

$32.54 zł 126

-0.65%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$23.27 zł 90.4

-71.42%

Cinema Ticket

$5.65 ₱356

$8.12 zł 31.54

-30.42%

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

$275 ₱17.3K

$509 zł 1,978

-45.93%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$10.3K zł 40.1K

-23.26%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$74.7 zł 290

-33.99%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$40.74 zł 158

-38.05%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$90.1 zł 350

-14.57%

Men's Leather Business Shoes

$57.2 ₱3,601

$95.7 zł 372

-40.22%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$608 zł 2,363

-17.88%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$496 zł 1,927

-37.74%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$969 zł 3,766

11.20%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$809 zł 3,142

-23.93%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,957 zł 11.5K

-2.39%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,539 zł 9,864

-24.51%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

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 12, 2026

Last update for Lomza: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Lomza

$496 33.5% 60.6% $187

Groceries & Markets

Cebu

$206 22.4%

Lomza

$220 14.8% 6.9% $14

Monthly Utilities & Internet

Cebu

$162 17.6%

Lomza

$342 23% 111% $180

Clothing & Footwear

Cebu

$94 10.2%

Lomza

$136 9.1% 44.3% $42

Eating Out

Cebu

$88 9.6%

Lomza

$202 13.7% 129% $114

Sport & Entertainment

Cebu

$44 4.8%

Lomza

$49 3.3% 11.8% $5.2

Getting Around

Cebu

$16 1.7%

Lomza

$38 2.6% 147% $23

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $608 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $24.00 in Cebu vs $47.00 in Lomza for a mid-range dinner for two. Groceries echo the gap at $206 vs $220 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Lomza

🕒 Local time

10:38 10:38 AM

04:38 4:38 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

62,711

💱 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 Lomza 9,870 km ≈ 13 h nonstop flight

From you

Cebu
Lomza

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 Lomza: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 62% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,377 in Cebu and $2,224 in Lomza 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 $608 in Lomza. 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 $1,483 in Lomza – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 133% less than in Lomza. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,483 in Lomza, a $1,500 budget is realistic in Cebu but tight or insufficient in Lomza. 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 Lomza, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Lomza 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 62% less than in Lomza. Beyond cost, consider language, visa policies, and how big the international community is in each city.