Last update: Oct 2026

Cost of Living Comparison Between Cebu and Tarnow

For one person, living is cheaper in Cebu: $918 a month against $1,177 in Tarnow, rent and utilities included – about $3,100 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
57

Cost of Living Index in Tarnow
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Tarnow Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Tarnow

🇵🇱 Poland

$1,177

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Tarnow

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

Monthly costs for one person with rent: $918 in Cebu versus $1,177 in Tarnow.

Cebu $918
Tarnow $1,177

Estimated couple costs with rent: $1,409 in Cebu versus $1,635 in Tarnow.

Cebu $1,409
Tarnow $1,635

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,092 in Tarnow.

Cebu $1,900
Tarnow $2,092

Living in Cebu costs roughly 22% less than in Tarnow, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Tarnow 13% lower.

Meal at Budget Restaurant

$3.09 ₱194

$10.26 zł 39.87

-69.88%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$25.56 zł 99.3

-5.24%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$6.35 zł 24.66

-38.27%

Cappuccino

$2.51 ₱158

$2.47 zł 9.58

1.62%

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

$1.59 ₱100

$2.14 zł 8.32

-25.70%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.30 zł 5.05

-59.23%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.75 zł 14.56

-52.53%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.87 zł 15.05

-43.93%

Milk (1 liter)

$1.92 ₱121

$1.01 zł 3.91

90.10%

White Bread (500g)

$1.36 ₱85.4

$1.18 zł 4.60

15.25%

Rice (white) (1kg)

$1.01 ₱63.5

$1.24 zł 4.83

-18.55%

Eggs

$2.03 ₱128

$2.37 zł 9.21

-14.35%

Local Cheese (1kg)

$9.86 ₱621

$7.56 zł 29.38

30.42%

Chicken Fillets (1kg)

$4.39 ₱277

$5.61 zł 21.79

-21.75%

Beef Round Steak (1kg)

$7.60 ₱479

$9.74 zł 37.84

-21.97%

Apples (1kg)

$3.30 ₱208

$0.77 zł 3.00

328.57%

Banana (1kg)

$1.39 ₱87.8

$1.52 zł 5.89

-8.55%

Oranges (1kg)

$2.33 ₱147

$1.24 zł 4.84

87.90%

Tomato (1kg)

$1.50 ₱94.3

$1.93 zł 7.49

-22.28%

Potato (1kg)

$2.36 ₱149

$0.72 zł 2.81

227.78%

Onion (1kg)

$1.90 ₱119

$1.01 zł 3.91

88.12%

Lettuce (1 head)

$1.19 ₱74.9

$1.00 zł 3.87

19.00%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.79 zł 3.09

-20.25%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.22 zł 16.40

-28.91%

Wine (Bottle)

$6.03 ₱379

$6.50 zł 25.25

-7.23%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.89 zł 3.46

38.20%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.40 zł 5.43

25.00%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.92 zł 3.59

-72.83%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$30.92 zł 120

-59.12%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.28 zł 4.99

-39.84%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.75 zł 2.90

-69.33%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$10.13 zł 39.35

-55.97%

Gasoline (1 liter)

$1.31 ₱82.8

$1.60 zł 6.23

-18.13%

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

$21.2K ₱1.3M

$30.3K zł 117.6K

-29.83%

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

$19.1K ₱1.2M

$24.4K zł 94.6K

-21.40%

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

$120 ₱7,569

$243 zł 944

-50.52%

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

$14.00 ₱882

$9.09 zł 35.30

54.02%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$16.23 zł 63.1

69.69%

Gym Membership (Monthly)

$32.33 ₱2,035

$25.28 zł 98.2

27.89%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$11.35 zł 44.10

-41.41%

Cinema Ticket

$5.65 ₱356

$4.68 zł 18.18

20.73%

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

$275 ₱17.3K

$285 zł 1,108

-3.46%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$2,499 zł 9,711

216.80%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$79.4 zł 308

-37.86%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$25.23 zł 98.0

0.04%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$75.9 zł 295

1.46%

Men's Leather Business Shoes

$57.2 ₱3,601

$114 zł 443

-49.85%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$430 zł 1,669

16.29%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$349 zł 1,357

-11.57%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$601 zł 2,337

79.21%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$466 zł 1,810

32.06%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,648 zł 10.3K

8.97%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,745 zł 6,781

9.82%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,019 zł 3,960

-66.06%

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 12, 2026

Last update for Tarnow: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Tarnow

$349 29.7% 13.1% $40

Groceries & Markets

Cebu

$206 22.4%

Tarnow

$182 15.5% 11.7% $24

Monthly Utilities & Internet

Cebu

$162 17.6%

Tarnow

$268 22.8% 65.9% $107

Clothing & Footwear

Cebu

$94 10.2%

Tarnow

$133 11.3% 41.1% $39

Eating Out

Cebu

$88 9.6%

Tarnow

$171 14.5% 93.7% $83

Sport & Entertainment

Cebu

$44 4.8%

Tarnow

$35 2.9% 20.6% $9

Getting Around

Cebu

$16 1.7%

Tarnow

$40 3.4% 155% $24

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $430 in Tarnow. Housing cost is often the main lever when comparing two cities.

Tarnow pays 195% 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 $26.00 in Tarnow. Groceries flip the comparison at $206 vs $182, with Tarnow cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇵🇱 Tarnow

🕒 Local time

07:37 7:37 AM

01:37 1:37 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

106,748

💱 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 = 70.78 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

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Between locations

Cebu Tarnow 10,040 km ≈ 13 h nonstop flight

From you

Cebu
Tarnow

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 Tarnow: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and transport. The 28% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 195% lower in Tarnow. 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 $430 in Tarnow. 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 $1,177 in Tarnow – a 28% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 145% less than in Tarnow. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,177 in Tarnow, a $1,500 budget is realistic in Cebu but tight or insufficient in Tarnow. 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 Tarnow, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Tarnow 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 28% less than in Tarnow. Beyond cost, consider language, visa policies, and how big the international community is in each city.