Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zamosc

For one person, living is cheaper in Cebu: $918 a month against $1,330 in Zamosc, rent and utilities included – about $4,900 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
68

Cost of Living Index in Zamosc
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Zamosc Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Zamosc

🇵🇱 Poland

$1,330

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zamosc

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

Monthly costs for one person with rent: $918 in Cebu versus $1,330 in Zamosc.

Cebu $918
Zamosc $1,330

Estimated couple costs with rent: $1,409 in Cebu versus $2,049 in Zamosc.

Cebu $1,409
Zamosc $2,049

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,767 in Zamosc.

Cebu $1,900
Zamosc $2,767

Living in Cebu costs roughly 31% less than in Zamosc, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Zamosc 1% lower.

Meal at Budget Restaurant

$3.09 ₱194

$9.56 zł 37.14

-67.68%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$38.19 zł 148

-36.58%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$7.46 zł 28.97

-47.45%

Cappuccino

$2.51 ₱158

$2.98 zł 11.60

-15.77%

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

$1.59 ₱100

$1.87 zł 7.27

-14.97%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.52 zł 5.90

-65.13%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.36 zł 13.05

-47.02%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$3.06 zł 11.89

-29.08%

Milk (1 liter)

$1.92 ₱121

$1.06 zł 4.10

81.13%

White Bread (500g)

$1.36 ₱85.4

$1.02 zł 3.98

33.33%

Rice (white) (1kg)

$1.01 ₱63.5

$2.22 zł 8.63

-54.50%

Eggs

$2.03 ₱128

$3.39 zł 13.16

-40.12%

Local Cheese (1kg)

$9.86 ₱621

$9.25 zł 35.95

6.59%

Chicken Fillets (1kg)

$4.39 ₱277

$5.31 zł 20.61

-17.33%

Beef Round Steak (1kg)

$7.60 ₱479

$14.73 zł 57.2

-48.40%

Apples (1kg)

$3.30 ₱208

$1.13 zł 4.39

192.04%

Banana (1kg)

$1.39 ₱87.8

$1.57 zł 6.09

-11.46%

Oranges (1kg)

$2.33 ₱147

$1.52 zł 5.89

53.29%

Tomato (1kg)

$1.50 ₱94.3

$2.00 zł 7.78

-25.00%

Potato (1kg)

$2.36 ₱149

$0.70 zł 2.74

237.14%

Onion (1kg)

$1.90 ₱119

$1.18 zł 4.58

61.02%

Lettuce (1 head)

$1.19 ₱74.9

$0.79 zł 3.07

50.63%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.39 zł 1.52

61.54%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.12 zł 19.89

-41.41%

Wine (Bottle)

$6.03 ₱379

$5.18 zł 20.12

16.41%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.05 zł 4.07

17.14%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.30 zł 5.05

34.62%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.03 zł 3.98

-75.73%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$33.69 zł 131

-62.48%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$2.09 zł 8.13

-63.16%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.69 zł 2.67

-66.67%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$12.78 zł 49.66

-65.10%

Gasoline (1 liter)

$1.31 ₱82.8

$1.56 zł 6.06

-16.03%

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

$21.2K ₱1.3M

$30.3K zł 117.9K

-29.98%

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

$19.1K ₱1.2M

$27.2K zł 105.5K

-29.49%

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

$120 ₱7,569

$254 zł 988

-52.72%

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

$14.00 ₱882

$8.51 zł 33.05

64.51%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$17.44 zł 67.8

57.91%

Gym Membership (Monthly)

$32.33 ₱2,035

$38.28 zł 149

-15.54%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$22.83 zł 88.7

-70.87%

Cinema Ticket

$5.65 ₱356

$6.30 zł 24.49

-10.32%

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

$275 ₱17.3K

$357 zł 1,389

-22.97%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$4,324 zł 16.8K

83.13%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$97.9 zł 380

-49.59%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$36.81 zł 143

-31.43%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$86.5 zł 336

-11.04%

Men's Leather Business Shoes

$57.2 ₱3,601

$90.0 zł 350

-36.43%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$617 zł 2,396

-19.01%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$441 zł 1,713

-29.97%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$942 zł 3,661

14.40%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$938 zł 3,644

-34.41%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,330 zł 12.9K

-13.34%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,339 zł 9,089

-18.08%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$769 zł 2,989

-55.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

7.07

1.84%

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

Last update for Cebu: October 12, 2026

Last update for Zamosc: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Zamosc

$441 33.2% 42.8% $132

Groceries & Markets

Cebu

$206 22.4%

Zamosc

$203 15.3% 1.2% $2.5

Monthly Utilities & Internet

Cebu

$162 17.6%

Zamosc

$280 21.1% 73.2% $118

Clothing & Footwear

Cebu

$94 10.2%

Zamosc

$140 10.5% 49.1% $46

Eating Out

Cebu

$88 9.6%

Zamosc

$171 12.9% 93.9% $83

Sport & Entertainment

Cebu

$44 4.8%

Zamosc

$51 3.8% 16.7% $7.3

Getting Around

Cebu

$16 1.7%

Zamosc

$43 3.3% 178% $28

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $617 in Zamosc. Housing cost is often the main lever when comparing two cities.

Zamosc pays 122% 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 $38.00 in Zamosc. Groceries flip the comparison at $206 vs $203, with Zamosc cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇵🇱 Zamosc

🕒 Local time

04:11 4:11 AM

22:11 10:11 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

62,368

💱 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 = 70.79 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

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Between locations

Cebu Zamosc 9,860 km ≈ 13 h nonstop flight

From you

Cebu
Zamosc

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 Zamosc: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 45% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 122% lower in Zamosc. 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 $617 in Zamosc. 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 $1,330 in Zamosc – a 45% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 167% less than in Zamosc. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,330 in Zamosc, a $1,500 budget is realistic in Cebu but tight or insufficient in Zamosc. 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 Zamosc, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Zamosc 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 45% less than in Zamosc. Beyond cost, consider language, visa policies, and how big the international community is in each city.