Last update: Oct 2026

Cost of Living Comparison Between Cebu and Olsztyn

For one person, living is cheaper in Cebu: $918 a month against $1,816 in Olsztyn, rent and utilities included – about $10,800 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
89

Cost of Living Index in Olsztyn
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Olsztyn Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Olsztyn

🇵🇱 Poland

$1,816

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Olsztyn

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

Monthly costs for one person with rent: $918 in Cebu versus $1,816 in Olsztyn.

Cebu $918
Olsztyn $1,816

Estimated couple costs with rent: $1,409 in Cebu versus $2,678 in Olsztyn.

Cebu $1,409
Olsztyn $2,678

Monthly costs for a family of three with rent: $1,900 in Cebu versus $3,540 in Olsztyn.

Cebu $1,900
Olsztyn $3,540

Living in Cebu costs roughly 49% less than in Olsztyn, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Olsztyn is 34% above.

Meal at Budget Restaurant

$3.09 ₱194

$12.84 zł 49.88

-75.93%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$50.4 zł 196

-51.95%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.92 zł 34.67

-56.05%

Cappuccino

$2.51 ₱158

$3.31 zł 12.85

-24.17%

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

$1.59 ₱100

$2.51 zł 9.75

-36.65%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.87 zł 7.26

-71.66%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.98 zł 11.59

-40.27%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.91 zł 15.18

-44.50%

Milk (1 liter)

$1.92 ₱121

$1.05 zł 4.09

82.86%

White Bread (500g)

$1.36 ₱85.4

$1.26 zł 4.90

7.94%

Rice (white) (1kg)

$1.01 ₱63.5

$1.42 zł 5.52

-28.87%

Eggs

$2.03 ₱128

$3.85 zł 14.95

-47.27%

Local Cheese (1kg)

$9.86 ₱621

$9.72 zł 37.77

1.44%

Chicken Fillets (1kg)

$4.39 ₱277

$7.34 zł 28.51

-40.19%

Beef Round Steak (1kg)

$7.60 ₱479

$15.04 zł 58.5

-49.47%

Apples (1kg)

$3.30 ₱208

$1.23 zł 4.77

168.29%

Banana (1kg)

$1.39 ₱87.8

$1.61 zł 6.25

-13.66%

Oranges (1kg)

$2.33 ₱147

$1.80 zł 6.99

29.44%

Tomato (1kg)

$1.50 ₱94.3

$3.43 zł 13.32

-56.27%

Potato (1kg)

$2.36 ₱149

$0.97 zł 3.78

143.30%

Onion (1kg)

$1.90 ₱119

$1.17 zł 4.54

62.39%

Lettuce (1 head)

$1.19 ₱74.9

$1.37 zł 5.32

-13.14%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.68 zł 2.64

-7.35%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.49 zł 21.32

-45.36%

Wine (Bottle)

$6.03 ₱379

$7.42 zł 28.84

-18.73%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.13 zł 4.39

8.85%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.54 zł 6.00

13.64%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.05 zł 4.07

-76.19%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$25.79 zł 100

-50.99%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.08 zł 8.09

-62.98%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.74 zł 2.88

-68.92%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$10.21 zł 39.67

-56.32%

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

$31.4K zł 121.9K

-32.28%

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

$19.1K ₱1.2M

$29.5K zł 114.4K

-34.99%

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

$120 ₱7,569

$329 zł 1,277

-63.42%

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

$14.00 ₱882

$10.17 zł 39.53

37.66%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$19.00 zł 73.8

44.95%

Gym Membership (Monthly)

$32.33 ₱2,035

$50.7 zł 197

-36.18%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$22.47 zł 87.3

-70.40%

Cinema Ticket

$5.65 ₱356

$9.12 zł 35.42

-38.05%

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

$275 ₱17.3K

$378 zł 1,467

-27.08%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$13.7K zł 53.4K

-42.40%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$103 zł 399

-51.96%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$48.59 zł 189

-48.06%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$103 zł 402

-25.61%

Men's Leather Business Shoes

$57.2 ₱3,601

$105 zł 406

-45.29%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$1,004 zł 3,900

-50.24%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$744 zł 2,892

-58.51%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,685 zł 6,546

-36.02%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$1,344 zł 5,221

-54.22%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,690 zł 14.3K

-21.78%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,548 zł 9,898

-24.77%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,374 zł 5,338

-74.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.52

-4.26%

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

Last update for Cebu: October 12, 2026

Last update for Olsztyn: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Olsztyn

$744 41% 141% $435

Groceries & Markets

Cebu

$206 22.4%

Olsztyn

$238 13.1% 15.5% $32

Monthly Utilities & Internet

Cebu

$162 17.6%

Olsztyn

$358 19.7% 121% $196

Clothing & Footwear

Cebu

$94 10.2%

Olsztyn

$162 8.9% 72.1% $68

Eating Out

Cebu

$88 9.6%

Olsztyn

$209 11.5% 137% $121

Sport & Entertainment

Cebu

$44 4.8%

Olsztyn

$69 3.8% 57.9% $25

Getting Around

Cebu

$16 1.7%

Olsztyn

$36 2% 130% $20

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $1,004 in Olsztyn. Housing cost is often the main lever when comparing two cities.

Olsztyn pays 297% 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 $50.0 in Olsztyn for a mid-range dinner for two. Groceries echo the gap at $206 vs $238 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Olsztyn

🕒 Local time

02:55 2:55 AM

20:55 8:55 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

174,675

💱 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 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Polish Złoty exchange rates as of October 17, 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 Olsztyn 9,950 km ≈ 13 h nonstop flight

From you

Cebu
Olsztyn

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 Olsztyn: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 98% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 297% lower in Olsztyn. 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 $1,004 in Olsztyn. 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 $1,816 in Olsztyn – a 98% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 104% less than in Olsztyn. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,816 in Olsztyn, a $1,500 budget is realistic in Cebu but tight or insufficient in Olsztyn. 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 Olsztyn, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Olsztyn 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 98% less than in Olsztyn. Beyond cost, consider language, visa policies, and how big the international community is in each city.