Last update: Oct 2026

Cost of Living Comparison Between Cebu and Rybnik

For one person, living is cheaper in Cebu: $918 a month against $1,397 in Rybnik, rent and utilities included – about $5,700 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
68

Cost of Living Index in Rybnik
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Rybnik Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Rybnik

🇵🇱 Poland

$1,397

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Rybnik

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

Monthly costs for one person with rent: $918 in Cebu versus $1,397 in Rybnik.

Cebu $918
Rybnik $1,397

Estimated couple costs with rent: $1,409 in Cebu versus $2,047 in Rybnik.

Cebu $1,409
Rybnik $2,047

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,697 in Rybnik.

Cebu $1,900
Rybnik $2,697

Living in Cebu costs roughly 34% less than in Rybnik, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Rybnik is 3% above.

Meal at Budget Restaurant

$3.09 ₱194

$10.06 zł 39.10

-69.28%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$45.99 zł 179

-47.34%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.84 zł 34.33

-55.66%

Cappuccino

$2.51 ₱158

$3.29 zł 12.79

-23.71%

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

$1.59 ₱100

$1.87 zł 7.25

-14.97%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.96 zł 7.61

-72.96%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.85 zł 14.95

-53.77%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.06 zł 15.76

-46.55%

Milk (1 liter)

$1.92 ₱121

$1.14 zł 4.43

68.42%

White Bread (500g)

$1.36 ₱85.4

$2.04 zł 7.93

-33.33%

Rice (white) (1kg)

$1.01 ₱63.5

$2.10 zł 8.14

-51.90%

Eggs

$2.03 ₱128

$3.99 zł 15.51

-49.12%

Local Cheese (1kg)

$9.86 ₱621

$8.31 zł 32.29

18.65%

Chicken Fillets (1kg)

$4.39 ₱277

$8.25 zł 32.06

-46.79%

Beef Round Steak (1kg)

$7.60 ₱479

$15.09 zł 58.6

-49.64%

Apples (1kg)

$3.30 ₱208

$1.26 zł 4.89

161.90%

Banana (1kg)

$1.39 ₱87.8

$1.81 zł 7.04

-23.20%

Oranges (1kg)

$2.33 ₱147

$1.73 zł 6.73

34.68%

Tomato (1kg)

$1.50 ₱94.3

$3.88 zł 15.07

-61.34%

Potato (1kg)

$2.36 ₱149

$1.00 zł 3.87

136.00%

Onion (1kg)

$1.90 ₱119

$1.01 zł 3.91

88.12%

Lettuce (1 head)

$1.19 ₱74.9

$1.54 zł 5.99

-22.73%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.77 zł 3.01

-18.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.50 zł 25.24

-53.85%

Wine (Bottle)

$6.03 ₱379

$6.34 zł 24.65

-4.89%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.13 zł 4.37

8.85%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.42 zł 5.52

23.24%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.28 zł 4.99

-80.47%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$21.56 zł 83.8

-41.37%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.23 zł 8.68

-65.47%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.90 zł 3.51

-74.44%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$12.69 zł 49.32

-64.85%

Gasoline (1 liter)

$1.31 ₱82.8

$1.67 zł 6.48

-21.56%

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

$21.2K ₱1.3M

$31.1K zł 120.8K

-31.69%

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

$19.1K ₱1.2M

$29.8K zł 115.9K

-35.82%

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

$120 ₱7,569

$241 zł 936

-50.09%

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

$14.00 ₱882

$9.53 zł 37.02

46.90%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$20.18 zł 78.4

36.47%

Gym Membership (Monthly)

$32.33 ₱2,035

$39.63 zł 154

-18.42%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$16.29 zł 63.3

-59.18%

Cinema Ticket

$5.65 ₱356

$5.58 zł 21.69

1.25%

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

$275 ₱17.3K

$575 zł 2,235

-52.15%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$14.4K zł 55.8K

-44.84%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$93.6 zł 363

-47.27%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$42.27 zł 164

-40.29%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$79.4 zł 309

-3.09%

Men's Leather Business Shoes

$57.2 ₱3,601

$114 zł 443

-49.79%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$541 zł 2,101

-7.63%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$452 zł 1,757

-31.72%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$850 zł 3,303

26.79%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$700 zł 2,719

-12.08%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,729 zł 6,717

66.93%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,481 zł 5,754

29.40%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,314 zł 5,107

-73.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.67

7.95%

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

Last update for Cebu: October 12, 2026

Last update for Rybnik: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Rybnik

$452 32.4% 46.5% $143

Groceries & Markets

Cebu

$206 22.4%

Rybnik

$253 18.1% 22.8% $47

Monthly Utilities & Internet

Cebu

$162 17.6%

Rybnik

$271 19.4% 67.3% $109

Clothing & Footwear

Cebu

$94 10.2%

Rybnik

$148 10.6% 57.7% $54

Eating Out

Cebu

$88 9.6%

Rybnik

$189 13.5% 114% $101

Sport & Entertainment

Cebu

$44 4.8%

Rybnik

$51 3.6% 16.4% $7.2

Getting Around

Cebu

$16 1.7%

Rybnik

$33 2.4% 115% $18

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $541 in Rybnik. Housing cost is often the main lever when comparing two cities.

Rybnik pays 280% 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 $46.00 in Rybnik for a mid-range dinner for two. Groceries echo the gap at $206 vs $253 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Rybnik

🕒 Local time

12:40 12:40 PM

06:40 6:40 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

142,510

💱 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 19, 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 19, 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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Highest

Between locations

Cebu Rybnik 10,200 km ≈ 13 h nonstop flight

From you

Cebu
Rybnik

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 Rybnik: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 52% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 280% lower in Rybnik. 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 $541 in Rybnik. 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 $1,397 in Rybnik – a 52% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 71% less than in Rybnik. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,397 in Rybnik, a $1,500 budget is realistic in Cebu but tight or insufficient in Rybnik. 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 Rybnik, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Rybnik 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 52% less than in Rybnik. Beyond cost, consider language, visa policies, and how big the international community is in each city.