Last update: Oct 2026

Cost of Living Comparison Between Cebu and Szczecinek

For one person, living is cheaper in Cebu: $918 a month against $1,468 in Szczecinek, rent and utilities included – about $6,600 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
72

Cost of Living Index in Szczecinek
Learn more

Szczecinek Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Szczecinek

🇵🇱 Poland

$1,468

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Szczecinek

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

Monthly costs for one person with rent: $918 in Cebu versus $1,468 in Szczecinek.

Cebu $918
Szczecinek $1,468

Estimated couple costs with rent: $1,409 in Cebu versus $2,118 in Szczecinek.

Cebu $1,409
Szczecinek $2,118

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,769 in Szczecinek.

Cebu $1,900
Szczecinek $2,769

Living in Cebu costs roughly 37% less than in Szczecinek, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 32% below, Szczecinek is 9% above.

Meal at Budget Restaurant

$3.09 ₱194

$11.62 zł 45.14

-73.41%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$42.81 zł 166

-43.42%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.07 zł 35.22

-56.78%

Cappuccino

$2.51 ₱158

$3.48 zł 13.51

-27.87%

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

$1.59 ₱100

$1.16 zł 4.51

37.07%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.87 zł 3.38

-39.08%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.10 zł 12.05

-42.58%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.37 zł 5.34

58.39%

Milk (1 liter)

$1.92 ₱121

$0.90 zł 3.51

113.33%

White Bread (500g)

$1.36 ₱85.4

$1.26 zł 4.89

7.94%

Rice (white) (1kg)

$1.01 ₱63.5

$1.36 zł 5.28

-25.74%

Eggs

$2.03 ₱128

$3.53 zł 13.70

-42.49%

Local Cheese (1kg)

$9.86 ₱621

$7.64 zł 29.69

29.06%

Chicken Fillets (1kg)

$4.39 ₱277

$5.98 zł 23.23

-26.59%

Beef Round Steak (1kg)

$7.60 ₱479

$13.19 zł 51.3

-42.38%

Apples (1kg)

$3.30 ₱208

$1.19 zł 4.64

177.31%

Banana (1kg)

$1.39 ₱87.8

$1.13 zł 4.41

23.01%

Oranges (1kg)

$2.33 ₱147

$1.64 zł 6.38

42.07%

Tomato (1kg)

$1.50 ₱94.3

$2.43 zł 9.44

-38.27%

Potato (1kg)

$2.36 ₱149

$0.76 zł 2.94

210.53%

Onion (1kg)

$1.90 ₱119

$0.80 zł 3.12

137.50%

Lettuce (1 head)

$1.19 ₱74.9

$1.28 zł 4.96

-7.03%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.68 zł 2.65

-7.35%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.59 zł 21.70

-46.33%

Wine (Bottle)

$6.03 ₱379

$7.53 zł 29.26

-19.92%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.12 zł 4.36

9.82%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.47 zł 5.71

19.05%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.06 zł 4.13

-76.42%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$27.13 zł 105

-53.41%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.28 zł 8.86

-66.23%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.04 zł 4.02

-77.88%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$11.56 zł 44.92

-61.42%

Gasoline (1 liter)

$1.31 ₱82.8

$1.48 zł 5.77

-11.49%

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

$21.2K ₱1.3M

$31.0K zł 120.3K

-31.38%

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

$19.1K ₱1.2M

$27.8K zł 108.0K

-31.13%

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

$120 ₱7,569

$290 zł 1,126

-58.52%

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

$14.00 ₱882

$7.77 zł 30.20

80.18%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$18.34 zł 71.3

50.16%

Gym Membership (Monthly)

$32.33 ₱2,035

$38.27 zł 149

-15.52%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$20.63 zł 80.2

-67.77%

Cinema Ticket

$5.65 ₱356

$7.59 zł 29.49

-25.56%

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

$275 ₱17.3K

$206 zł 800

33.64%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$7,398 zł 28.7K

7.03%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$78.3 zł 304

-36.97%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$36.84 zł 143

-31.49%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$87.3 zł 339

-11.80%

Men's Leather Business Shoes

$57.2 ₱3,601

$108 zł 421

-47.21%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$559 zł 2,173

-10.67%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$526 zł 2,045

-41.31%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,019 zł 3,959

5.77%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$850 zł 3,303

-27.63%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,303 zł 12.8K

-12.61%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,012 zł 7,816

-4.73%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,300 zł 5,049

-73.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

4.2

71.43%

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

Last update for Cebu: October 12, 2026

Last update for Szczecinek: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Szczecinek

$526 35.8% 70.4% $217

Groceries & Markets

Cebu

$206 22.4%

Szczecinek

$206 14% 0% $0

Monthly Utilities & Internet

Cebu

$162 17.6%

Szczecinek

$316 21.5% 95.3% $154

Clothing & Footwear

Cebu

$94 10.2%

Szczecinek

$140 9.5% 48.9% $46

Eating Out

Cebu

$88 9.6%

Szczecinek

$188 12.8% 113% $100

Sport & Entertainment

Cebu

$44 4.8%

Szczecinek

$53 3.6% 22.5% $9.8

Getting Around

Cebu

$16 1.7%

Szczecinek

$39 2.6% 150% $23

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $559 in Szczecinek. Housing cost is often the main lever when comparing two cities.

Szczecinek pays 276% 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 $43.00 in Szczecinek for a mid-range dinner for two. Groceries echo the gap at $206 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Szczecinek

🕒 Local time

10:00 10:00 AM

04:00 4:00 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

39,705

💱 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 Szczecinek 10,190 km ≈ 13 h nonstop flight

From you

Cebu
Szczecinek

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 Szczecinek: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 60% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 276% lower in Szczecinek. 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 $559 in Szczecinek. 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 $1,468 in Szczecinek – a 60% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 115% less than in Szczecinek. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,468 in Szczecinek, a $1,500 budget is realistic in Cebu but tight or insufficient in Szczecinek. 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 Szczecinek, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Szczecinek 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 60% less than in Szczecinek. Beyond cost, consider language, visa policies, and how big the international community is in each city.