Last update: Oct 2026

Cost of Living Comparison Between Cebu and Torun

For one person, living is cheaper in Cebu: $918 a month against $1,310 in Torun, rent and utilities included – about $4,700 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
64

Cost of Living Index in Torun
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Torun Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Torun

🇵🇱 Poland

$1,310

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Torun

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

Monthly costs for one person with rent: $918 in Cebu versus $1,310 in Torun.

Cebu $918
Torun $1,310

Estimated couple costs with rent: $1,409 in Cebu versus $1,895 in Torun.

Cebu $1,409
Torun $1,895

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,480 in Torun.

Cebu $1,900
Torun $2,480

Living in Cebu costs roughly 30% less than in Torun, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Torun 3% lower.

Meal at Budget Restaurant

$3.09 ₱194

$10.15 zł 39.45

-69.56%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$50.3 zł 196

-51.88%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$8.80 zł 34.19

-55.45%

Cappuccino

$2.51 ₱158

$3.52 zł 13.67

-28.69%

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

$1.59 ₱100

$2.10 zł 8.15

-24.29%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.63 zł 6.32

-67.48%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.48 zł 9.64

-28.23%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.12 zł 16.01

-47.33%

Milk (1 liter)

$1.92 ₱121

$0.98 zł 3.80

95.92%

White Bread (500g)

$1.36 ₱85.4

$1.22 zł 4.73

11.48%

Rice (white) (1kg)

$1.01 ₱63.5

$1.57 zł 6.12

-35.67%

Eggs

$2.03 ₱128

$2.96 zł 11.51

-31.42%

Local Cheese (1kg)

$9.86 ₱621

$7.82 zł 30.39

26.09%

Chicken Fillets (1kg)

$4.39 ₱277

$6.13 zł 23.83

-28.38%

Beef Round Steak (1kg)

$7.60 ₱479

$14.18 zł 55.1

-46.40%

Apples (1kg)

$3.30 ₱208

$1.10 zł 4.29

200.00%

Banana (1kg)

$1.39 ₱87.8

$1.66 zł 6.44

-16.27%

Oranges (1kg)

$2.33 ₱147

$1.57 zł 6.11

48.41%

Tomato (1kg)

$1.50 ₱94.3

$3.19 zł 12.41

-52.98%

Potato (1kg)

$2.36 ₱149

$0.87 zł 3.36

171.26%

Onion (1kg)

$1.90 ₱119

$1.38 zł 5.35

37.68%

Lettuce (1 head)

$1.19 ₱74.9

$1.47 zł 5.69

-19.05%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.56 zł 2.18

12.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.63 zł 17.97

-35.21%

Wine (Bottle)

$6.03 ₱379

$7.07 zł 27.47

-14.71%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.55 zł 6.01

-20.65%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.15 zł 8.37

-18.60%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.18 zł 4.59

-78.81%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$25.35 zł 98.5

-50.14%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.08 zł 8.08

-62.98%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.03 zł 4.01

-77.67%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$6.39 zł 24.83

-30.20%

Gasoline (1 liter)

$1.31 ₱82.8

$1.58 zł 6.15

-17.09%

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

$21.2K ₱1.3M

$31.3K zł 121.5K

-32.06%

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

$19.1K ₱1.2M

$26.7K zł 103.8K

-28.34%

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

$120 ₱7,569

$182 zł 707

-33.93%

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

$14.00 ₱882

$10.45 zł 40.62

33.97%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$16.87 zł 65.5

63.25%

Gym Membership (Monthly)

$32.33 ₱2,035

$37.66 zł 146

-14.15%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$21.89 zł 85.0

-69.62%

Cinema Ticket

$5.65 ₱356

$7.69 zł 29.88

-26.53%

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

$275 ₱17.3K

$243 zł 944

13.26%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$5,177 zł 20.1K

52.94%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$86.1 zł 335

-42.73%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$39.34 zł 153

-35.84%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$83.7 zł 325

-8.05%

Men's Leather Business Shoes

$57.2 ₱3,601

$116 zł 450

-50.61%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$526 zł 2,045

-5.09%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$460 zł 1,789

-32.93%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$844 zł 3,281

27.64%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$597 zł 2,319

3.08%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,387 zł 13.2K

-14.79%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,216 zł 8,610

-13.51%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$1,738 zł 6,754

-80.10%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.21

15.94%

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

Last update for Cebu: October 12, 2026

Last update for Torun: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Torun

$460 35.1% 49.1% $152

Groceries & Markets

Cebu

$206 22.4%

Torun

$219 16.7% 6.2% $13

Monthly Utilities & Internet

Cebu

$162 17.6%

Torun

$209 16% 29.4% $48

Clothing & Footwear

Cebu

$94 10.2%

Torun

$146 11.2% 55.7% $52

Eating Out

Cebu

$88 9.6%

Torun

$185 14.2% 110% $97

Sport & Entertainment

Cebu

$44 4.8%

Torun

$53 4.1% 21.6% $9.4

Getting Around

Cebu

$16 1.7%

Torun

$37 2.9% 140% $22

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $526 in Torun. Housing cost is often the main lever when comparing two cities.

Torun pays 402% 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 Torun for a mid-range dinner for two. Groceries echo the gap at $206 vs $219 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Torun

🕒 Local time

09:09 9:09 AM

03:09 3:09 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

196,935

💱 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

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Highest

Between locations

Cebu Torun 10,090 km ≈ 13 h nonstop flight

From you

Cebu
Torun

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 Torun: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 43% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 402% lower in Torun. 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 $526 in Torun. 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 $1,310 in Torun – a 43% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 101% less than in Torun. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,310 in Torun, a $1,500 budget is realistic in Cebu but tight or insufficient in Torun. 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 Torun, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Torun 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 43% less than in Torun. Beyond cost, consider language, visa policies, and how big the international community is in each city.