Last update: Oct 2026

Cost of Living Comparison Between Cebu and Warsaw

For one person, living is cheaper in Cebu: $934 a month against $2,045 in Warsaw, rent and utilities included – about $13,300 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
100

Cost of Living Index in Warsaw
Learn more

Warsaw Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Warsaw

🇵🇱 Poland

$2,045

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Warsaw

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

Monthly costs for one person with rent: $934 in Cebu versus $2,045 in Warsaw.

Cebu $934
Warsaw $2,045

Estimated couple costs with rent: $1,415 in Cebu versus $2,944 in Warsaw.

Cebu $1,415
Warsaw $2,944

Monthly costs for a family of three with rent: $1,896 in Cebu versus $3,843 in Warsaw.

Cebu $1,896
Warsaw $3,843

Living in Cebu costs roughly 54% less than in Warsaw, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cebu is 30% below, Warsaw is 53% above.

Meal at Budget Restaurant

$3.03 ₱191

$11.46 zł 44.74

-73.56%

Three-Course Dinner for Two, Mid-Range

$23.48 ₱1,476

$61.2 zł 239

-61.66%

Fast Food Meal (McDonalds, etc)

$4.09 ₱257

$10.40 zł 40.58

-60.67%

Cappuccino

$2.52 ₱158

$4.36 zł 17.03

-42.20%

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

$1.54 ₱97.2

$2.22 zł 8.65

-30.63%

Water (0.33 liter bottle)

$0.49 ₱31.06

$2.24 zł 8.73

-78.13%

Local Beer (0.5 liter draught)

$1.79 ₱113

$4.67 zł 18.24

-61.67%

Imported Beer (0.33 liter bottle)

$2.26 ₱142

$5.20 zł 20.28

-56.54%

Milk (1 liter)

$1.95 ₱122

$1.05 zł 4.11

85.71%

White Bread (500g)

$1.43 ₱89.9

$1.54 zł 6.00

-7.14%

Rice (white) (1kg)

$1.02 ₱64.0

$1.58 zł 6.15

-35.44%

Eggs

$2.06 ₱129

$3.81 zł 14.88

-45.93%

Local Cheese (1kg)

$9.81 ₱617

$8.71 zł 34.00

12.63%

Chicken Fillets (1kg)

$4.61 ₱290

$6.49 zł 25.34

-28.97%

Beef Round Steak (1kg)

$7.70 ₱484

$14.86 zł 58.0

-48.18%

Apples (1kg)

$3.31 ₱208

$1.20 zł 4.70

175.83%

Banana (1kg)

$1.45 ₱91.2

$1.67 zł 6.51

-13.17%

Oranges (1kg)

$2.36 ₱148

$1.64 zł 6.38

43.90%

Tomato (1kg)

$1.54 ₱96.6

$4.25 zł 16.58

-63.76%

Potato (1kg)

$2.36 ₱148

$0.92 zł 3.60

156.52%

Onion (1kg)

$1.99 ₱125

$0.87 zł 3.40

128.74%

Lettuce (1 head)

$1.15 ₱72.3

$1.48 zł 5.77

-22.30%

Water (1.5 liter bottle)

$0.67 ₱42.26

$0.64 zł 2.51

4.69%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$6.37 zł 24.86

-52.90%

Wine (Bottle)

$6.35 ₱399

$6.37 zł 24.84

-0.31%

Local Beer (0.5 liter bottle)

$1.31 ₱82.1

$1.09 zł 4.25

20.18%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.63 zł 6.37

6.13%

One-way Ticket (Public Transport)

$0.25 ₱15.82

$1.12 zł 4.35

-77.68%

Public Transport Monthly Pass (Regular Price)

$12.65 ₱796

$28.30 zł 110

-55.30%

Taxi Start (Normal Tariff)

$0.74 ₱46.44

$2.63 zł 10.24

-71.86%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.15

$1.26 zł 4.93

-83.33%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$12.86 zł 50.2

-66.33%

Gasoline (1 liter)

$1.33 ₱83.7

$1.70 zł 6.64

-21.76%

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

$21.8K ₱1.4M

$30.2K zł 118.0K

-28.01%

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

$19.4K ₱1.2M

$29.7K zł 116.1K

-34.78%

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

$121 ₱7,583

$352 zł 1,375

-65.77%

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

$14.45 ₱909

$9.15 zł 35.71

57.92%

Internet (50+ Mbps, Unlimited Data)

$28.29 ₱1,779

$16.14 zł 63.0

75.28%

Gym Membership (Monthly)

$32.68 ₱2,055

$45.94 zł 179

-28.86%

Tennis Court (1 Hour on Weekend)

$6.39 ₱402

$28.38 zł 111

-77.48%

Cinema Ticket

$5.46 ₱343

$8.95 zł 34.93

-38.99%

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

$273 ₱17.2K

$600 zł 2,339

-54.39%

International Primary School, 1 Child (Yearly)

$8,156 ₱512.9K

$14.3K zł 55.7K

-42.86%

Jeans (Levis 501 Or Similar)

$49.57 ₱3,117

$112 zł 436

-55.68%

Summer Dress (H&M, Zara, etc)

$24.87 ₱1,564

$41.03 zł 160

-39.39%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,817

$107 zł 418

-28.52%

Men's Leather Business Shoes

$59.3 ₱3,727

$110 zł 431

-46.35%

1-bedroom Apartment, City Center (Monthly)

$506 ₱31.8K

$1,177 zł 4,594

-57.05%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.5K

$977 zł 3,812

-68.32%

3-bedroom Apartment, City Center (Monthly)

$1,052 ₱66.1K

$2,096 zł 8,181

-49.83%

3-bedroom Apartment, Outside City Center (Monthly)

$619 ₱38.9K

$1,580 zł 6,166

-60.82%

Buy Apartment in City Center (m2)

$2,915 ₱183.4K

$5,960 zł 23.3K

-51.08%

Buy Apartment Outside City Center (m2)

$1,867 ₱117.4K

$3,860 zł 15.1K

-51.63%

Average Monthly Net Salary (After Tax)

$341 ₱21.5K

$2,096 zł 8,178

-83.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

6.62

8.76%

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

Last update for Cebu: October 5, 2026

Last update for Warsaw: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.5%

Warsaw

$977 46.8% 216% $667

Groceries & Markets

Cebu

$210 22.7%

Warsaw

$234 11.2% 11.2% $24

Monthly Utilities & Internet

Cebu

$163 17.7%

Warsaw

$378 18.1% 131% $214

Clothing & Footwear

Cebu

$95 10.2%

Warsaw

$167 8% 76.2% $72

Eating Out

Cebu

$88 9.6%

Warsaw

$227 10.9% 157% $138

Sport & Entertainment

Cebu

$44 4.7%

Warsaw

$64 3.1% 46.4% $20

Getting Around

Cebu

$15 1.7%

Warsaw

$42 2% 170% $26

Cost Breakdown

A one-bedroom apartment in the center runs $506 in Cebu and $1,177 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 514% 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: $23.00 in Cebu vs $61.0 in Warsaw for a mid-range dinner for two. Groceries echo the gap at $210 vs $234 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Warsaw

🕒 Local time

15:09 3:09 PM

09:09 9:09 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

1,861,599 Capital

💱 Currency

Philippine Peso PHP ₱

Polish Złoty PLN zł

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 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 10, 2026: 1 USD = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

Polish Złoty exchange rates as of October 10, 2026: 1 USD = 3.9 PLN (1 PLN = 0.256 USD). 1 EUR = 4.38 PLN (1 PLN = 0.228 EUR).

USD to PHP in detail →

On the map

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Between locations

Cebu Warsaw 9,960 km ≈ 13 h nonstop flight

From you

Cebu
Warsaw

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 Warsaw: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 119% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 514% lower in Warsaw. 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: $506 in Cebu versus $1,177 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $934 per month in Cebu versus $2,045 in Warsaw – a 119% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 124% less than in Warsaw. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $2,045 in Warsaw, a $1,500 budget is realistic in Cebu but tight or insufficient in Warsaw. 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 Warsaw, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Warsaw 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 119% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.