Last update: Oct 2026

Cost of Living Comparison Between Cebu and Nowy Sacz

For one person, living is cheaper in Cebu: $918 a month against $1,302 in Nowy Sacz, rent and utilities included – about $4,600 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
64

Cost of Living Index in Nowy Sacz
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Nowy Sacz Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Nowy Sacz

🇵🇱 Poland

$1,302

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Nowy Sacz

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

Monthly costs for one person with rent: $918 in Cebu versus $1,302 in Nowy Sacz.

Cebu $918
Nowy Sacz $1,302

Estimated couple costs with rent: $1,409 in Cebu versus $1,984 in Nowy Sacz.

Cebu $1,409
Nowy Sacz $1,984

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,666 in Nowy Sacz.

Cebu $1,900
Nowy Sacz $2,666

Living in Cebu costs roughly 30% less than in Nowy Sacz, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Nowy Sacz 4% lower.

Meal at Budget Restaurant

$3.09 ₱194

$8.66 zł 33.65

-64.32%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$38.46 zł 149

-37.03%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.80 zł 30.31

-49.74%

Cappuccino

$2.51 ₱158

$2.98 zł 11.57

-15.77%

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

$1.59 ₱100

$1.92 zł 7.45

-17.19%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.54 zł 5.99

-65.58%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.74 zł 10.65

-35.04%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.25 zł 12.64

-33.23%

Milk (1 liter)

$1.92 ₱121

$1.02 zł 3.98

88.24%

White Bread (500g)

$1.36 ₱85.4

$1.31 zł 5.07

3.82%

Rice (white) (1kg)

$1.01 ₱63.5

$1.54 zł 5.97

-34.42%

Eggs

$2.03 ₱128

$3.31 zł 12.86

-38.67%

Local Cheese (1kg)

$9.86 ₱621

$8.53 zł 33.13

15.59%

Chicken Fillets (1kg)

$4.39 ₱277

$6.56 zł 25.47

-33.08%

Beef Round Steak (1kg)

$7.60 ₱479

$11.37 zł 44.16

-33.16%

Apples (1kg)

$3.30 ₱208

$1.18 zł 4.60

179.66%

Banana (1kg)

$1.39 ₱87.8

$1.72 zł 6.68

-19.19%

Oranges (1kg)

$2.33 ₱147

$1.73 zł 6.72

34.68%

Tomato (1kg)

$1.50 ₱94.3

$2.55 zł 9.93

-41.18%

Potato (1kg)

$2.36 ₱149

$0.93 zł 3.62

153.76%

Onion (1kg)

$1.90 ₱119

$1.04 zł 4.05

82.69%

Lettuce (1 head)

$1.19 ₱74.9

$1.39 zł 5.41

-14.39%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.73 zł 2.85

-13.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.81 zł 18.70

-37.63%

Wine (Bottle)

$6.03 ₱379

$6.45 zł 25.08

-6.51%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.06 zł 4.13

16.04%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.75 zł 6.82

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.93 zł 3.63

-73.12%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$28.06 zł 109

-54.95%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.00 zł 7.76

-61.50%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.79 zł 3.09

-70.89%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$9.75 zł 37.89

-54.26%

Gasoline (1 liter)

$1.31 ₱82.8

$1.66 zł 6.43

-21.08%

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

$21.2K ₱1.3M

$30.6K zł 118.8K

-30.50%

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

$19.1K ₱1.2M

$26.4K zł 102.5K

-27.45%

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

$120 ₱7,569

$295 zł 1,145

-59.19%

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

$14.00 ₱882

$9.54 zł 37.08

46.75%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$12.80 zł 49.73

115.16%

Gym Membership (Monthly)

$32.33 ₱2,035

$32.47 zł 126

-0.43%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$20.48 zł 79.6

-67.53%

Cinema Ticket

$5.65 ₱356

$7.91 zł 30.73

-28.57%

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

$275 ₱17.3K

$251 zł 976

9.57%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$2,095 zł 8,138

278.02%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$56.2 zł 219

-12.29%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$37.64 zł 146

-32.94%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$55.5 zł 216

38.64%

Men's Leather Business Shoes

$57.2 ₱3,601

$72.3 zł 281

-20.93%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$516 zł 2,003

-3.12%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$425 zł 1,652

-27.35%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,064 zł 4,133

1.33%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$912 zł 3,542

-32.51%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,912 zł 7,428

50.95%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,126 zł 4,376

70.14%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$917 zł 3,562

-62.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.02

2.56%

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

Last update for Cebu: October 12, 2026

Last update for Nowy Sacz: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Nowy Sacz

$425 32.6% 37.6% $116

Groceries & Markets

Cebu

$206 22.4%

Nowy Sacz

$212 16.3% 3% $6.2

Monthly Utilities & Internet

Cebu

$162 17.6%

Nowy Sacz

$317 24.3% 95.9% $155

Clothing & Footwear

Cebu

$94 10.2%

Nowy Sacz

$100 7.7% 6.2% $5.8

Eating Out

Cebu

$88 9.6%

Nowy Sacz

$162 12.5% 84.1% $74

Sport & Entertainment

Cebu

$44 4.8%

Nowy Sacz

$48 3.7% 10.7% $4.7

Getting Around

Cebu

$16 1.7%

Nowy Sacz

$38 2.9% 143% $22

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $516 in Nowy Sacz. Housing cost is often the main lever when comparing two cities.

Nowy Sacz pays 165% 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 Nowy Sacz for a mid-range dinner for two. Groceries echo the gap at $206 vs $212 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Nowy Sacz

🕒 Local time

14:04 2:04 PM

08:04 8:04 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

83,943

💱 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

Lowest

Highest

Between locations

Cebu Nowy Sacz 10,070 km ≈ 13 h nonstop flight

From you

Cebu
Nowy Sacz

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 Nowy Sacz: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 42% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 165% lower in Nowy Sacz. 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 $516 in Nowy Sacz. 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 $1,302 in Nowy Sacz – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 122% less than in Nowy Sacz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,302 in Nowy Sacz, a $1,500 budget is realistic in Cebu but tight or insufficient in Nowy Sacz. 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 Nowy Sacz, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Nowy Sacz 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 42% less than in Nowy Sacz. Beyond cost, consider language, visa policies, and how big the international community is in each city.