Last update: Oct 2026

Cost of Living Comparison Between Cebu and Swinoujscie

For one person, living is cheaper in Cebu: $915 a month against $1,415 in Swinoujscie, rent and utilities included – about $6,000 less a year. Rent and utilities account for most of the difference.

44

Cost of Living Index in Cebu
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Cebu Living Index
69

Cost of Living Index in Swinoujscie
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Swinoujscie Living Index

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Cebu

🇵🇭 Philippines

$915

/mo nomad

Swinoujscie

🇵🇱 Poland

$1,415

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Swinoujscie

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

Monthly costs for one person with rent: $915 in Cebu versus $1,415 in Swinoujscie.

Cebu $915
Swinoujscie $1,415

Estimated couple costs with rent: $1,418 in Cebu versus $2,048 in Swinoujscie.

Cebu $1,418
Swinoujscie $2,048

Monthly costs for a family of three with rent: $1,921 in Cebu versus $2,681 in Swinoujscie.

Cebu $1,921
Swinoujscie $2,681

Living in Cebu costs roughly 35% less than in Swinoujscie, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 33% below, Swinoujscie is 4% above.

Meal at Budget Restaurant

$3.05 ₱192

$9.75 zł 37.90

-68.72%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$41.32 zł 161

-41.92%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$8.76 zł 34.04

-54.45%

Cappuccino

$2.50 ₱157

$3.41 zł 13.23

-26.69%

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

$1.54 ₱97.1

$2.08 zł 8.08

-25.96%

Water (0.33 liter bottle)

$0.50 ₱31.37

$1.59 zł 6.18

-68.55%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.52 zł 13.66

-49.43%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$3.85 zł 14.98

-43.64%

Milk (1 liter)

$2.00 ₱126

$0.94 zł 3.64

112.77%

White Bread (500g)

$1.37 ₱86.2

$1.50 zł 5.81

-8.67%

Rice (white) (1kg)

$1.03 ₱64.9

$0.72 zł 2.81

43.06%

Eggs

$2.03 ₱128

$2.88 zł 11.17

-29.51%

Local Cheese (1kg)

$10.20 ₱642

$8.89 zł 34.53

14.74%

Chicken Fillets (1kg)

$4.45 ₱280

$6.23 zł 24.22

-28.57%

Beef Round Steak (1kg)

$7.67 ₱483

$11.92 zł 46.30

-35.65%

Apples (1kg)

$3.31 ₱208

$1.17 zł 4.54

182.91%

Banana (1kg)

$1.46 ₱91.8

$1.24 zł 4.82

17.74%

Oranges (1kg)

$2.32 ₱146

$1.44 zł 5.60

61.11%

Tomato (1kg)

$1.49 ₱94.0

$2.34 zł 9.11

-36.32%

Potato (1kg)

$2.34 ₱147

$0.66 zł 2.57

254.55%

Onion (1kg)

$1.94 ₱122

$0.85 zł 3.30

128.24%

Lettuce (1 head)

$1.16 ₱73.0

$1.24 zł 4.80

-6.45%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.68 zł 2.63

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$5.41 zł 21.03

-44.73%

Wine (Bottle)

$6.24 ₱393

$6.43 zł 24.98

-2.95%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$1.08 zł 4.21

13.89%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.54 zł 6.00

12.34%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$1.04 zł 4.03

-77.88%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$30.39 zł 118

-59.39%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$2.06 zł 8.01

-61.65%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.74 zł 2.89

-70.27%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$9.99 zł 38.82

-54.55%

Gasoline (1 liter)

$1.32 ₱82.9

$1.60 zł 6.21

-17.50%

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

$21.0K ₱1.3M

$30.4K zł 117.9K

-30.80%

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

$19.4K ₱1.2M

$27.2K zł 105.7K

-28.70%

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

$119 ₱7,464

$273 zł 1,061

-56.61%

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

$14.22 ₱896

$8.65 zł 33.60

64.39%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$17.29 zł 67.2

58.88%

Gym Membership (Monthly)

$32.31 ₱2,034

$38.91 zł 151

-16.96%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$21.54 zł 83.7

-69.82%

Cinema Ticket

$5.40 ₱340

$7.05 zł 27.38

-23.40%

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

$276 ₱17.4K

$363 zł 1,410

-23.95%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$7,877 zł 30.6K

-0.14%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$79.9 zł 310

-38.20%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$38.36 zł 149

-35.92%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$88.1 zł 342

-12.97%

Men's Leather Business Shoes

$58.9 ₱3,706

$100 zł 390

-41.39%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$616 zł 2,392

-18.22%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$498 zł 1,934

-38.82%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$969 zł 3,765

10.93%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$811 zł 3,149

-22.02%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$2,101 zł 8,165

36.55%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$1,471 zł 5,716

27.59%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$1,808 zł 7,024

-81.42%

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 19, 2026

Last update for Swinoujscie: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Swinoujscie

$498 35.2% 63.4% $193

Groceries & Markets

Cebu

$210 22.9%

Swinoujscie

$201 14.2% 4% $8.4

Monthly Utilities & Internet

Cebu

$160 17.5%

Swinoujscie

$299 21.2% 86.7% $139

Clothing & Footwear

Cebu

$94 10.3%

Swinoujscie

$138 9.8% 46.5% $44

Eating Out

Cebu

$88 9.6%

Swinoujscie

$185 13.1% 111% $97

Sport & Entertainment

Cebu

$43 4.7%

Swinoujscie

$53 3.8% 23% $9.9

Getting Around

Cebu

$15 1.7%

Swinoujscie

$40 2.9% 166% $25

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $616 in Swinoujscie. Housing cost is often the main lever when comparing two cities.

Swinoujscie pays 438% 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 $41.00 in Swinoujscie. Groceries flip the comparison at $210 vs $201, with Swinoujscie cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇵🇱 Swinoujscie

🕒 Local time

06:25 6:25 AM

00:25 12:25 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

38,728

💱 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

Lowest

Highest

Between locations

Cebu Swinoujscie 10,330 km ≈ 13 h nonstop flight

From you

Cebu
Swinoujscie

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 Swinoujscie: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 55% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 438% lower in Swinoujscie. 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: $503 in Cebu versus $616 in Swinoujscie. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $915 per month in Cebu versus $1,415 in Swinoujscie – a 55% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 146% less than in Swinoujscie. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,415 in Swinoujscie, a $1,500 budget is realistic in Cebu but tight or insufficient in Swinoujscie. 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 Swinoujscie, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Swinoujscie 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 55% less than in Swinoujscie. Beyond cost, consider language, visa policies, and how big the international community is in each city.