Last update: Oct 2026

Cost of Living Comparison Between Cebu and Zdunska Wola

For one person, living is cheaper in Cebu: $918 a month against $1,205 in Zdunska Wola, rent and utilities included – about $3,400 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
61

Cost of Living Index in Zdunska Wola
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Zdunska Wola Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Zdunska Wola

🇵🇱 Poland

$1,205

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Zdunska Wola

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

Monthly costs for one person with rent: $918 in Cebu versus $1,205 in Zdunska Wola.

Cebu $918
Zdunska Wola $1,205

Estimated couple costs with rent: $1,409 in Cebu versus $1,773 in Zdunska Wola.

Cebu $1,409
Zdunska Wola $1,773

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,341 in Zdunska Wola.

Cebu $1,900
Zdunska Wola $2,341

Living in Cebu costs roughly 24% less than in Zdunska Wola, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Zdunska Wola 11% lower.

Meal at Budget Restaurant

$3.09 ₱194

$5.83 zł 22.66

-47.00%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$28.30 zł 110

-14.42%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$9.08 zł 35.28

-56.83%

Cappuccino

$2.51 ₱158

$2.72 zł 10.58

-7.72%

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

$1.59 ₱100

$2.00 zł 7.76

-20.50%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.24 zł 4.83

-57.26%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.50 zł 9.73

-28.80%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.12 zł 16.00

-47.33%

Milk (1 liter)

$1.92 ₱121

$0.91 zł 3.54

110.99%

White Bread (500g)

$1.36 ₱85.4

$1.27 zł 4.94

7.09%

Rice (white) (1kg)

$1.01 ₱63.5

$1.61 zł 6.25

-37.27%

Eggs

$2.03 ₱128

$2.87 zł 11.15

-29.27%

Local Cheese (1kg)

$9.86 ₱621

$7.73 zł 30.04

27.55%

Chicken Fillets (1kg)

$4.39 ₱277

$6.21 zł 24.14

-29.31%

Beef Round Steak (1kg)

$7.60 ₱479

$13.93 zł 54.1

-45.44%

Apples (1kg)

$3.30 ₱208

$1.06 zł 4.12

211.32%

Banana (1kg)

$1.39 ₱87.8

$1.66 zł 6.45

-16.27%

Oranges (1kg)

$2.33 ₱147

$1.51 zł 5.87

54.30%

Tomato (1kg)

$1.50 ₱94.3

$3.24 zł 12.61

-53.70%

Potato (1kg)

$2.36 ₱149

$0.92 zł 3.58

156.52%

Onion (1kg)

$1.90 ₱119

$1.39 zł 5.40

36.69%

Lettuce (1 head)

$1.19 ₱74.9

$1.46 zł 5.69

-18.49%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.52 zł 2.01

21.15%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.50 zł 17.49

-33.33%

Wine (Bottle)

$6.03 ₱379

$7.12 zł 27.65

-15.31%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.56 zł 6.05

-21.15%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.10 zł 8.16

-16.67%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.02 zł 3.98

-75.49%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$31.63 zł 123

-60.04%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.50 zł 5.82

-48.67%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.49 zł 1.90

-53.06%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$6.53 zł 25.35

-31.70%

Gasoline (1 liter)

$1.31 ₱82.8

$1.52 zł 5.92

-13.82%

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

$21.2K ₱1.3M

$30.5K zł 118.7K

-30.45%

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

$19.1K ₱1.2M

$26.9K zł 104.5K

-28.82%

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

$120 ₱7,569

$187 zł 728

-35.87%

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

$14.00 ₱882

$10.55 zł 40.98

32.70%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$14.93 zł 58.0

84.46%

Gym Membership (Monthly)

$32.33 ₱2,035

$38.39 zł 149

-15.79%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$23.74 zł 92.3

-71.99%

Cinema Ticket

$5.65 ₱356

$5.89 zł 22.90

-4.07%

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

$275 ₱17.3K

$194 zł 755

41.62%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$5,098 zł 19.8K

55.31%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$45.34 zł 176

8.80%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$39.10 zł 152

-35.45%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$77.0 zł 299

-0.03%

Men's Leather Business Shoes

$57.2 ₱3,601

$46.46 zł 181

23.12%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$516 zł 2,006

-3.26%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$452 zł 1,755

-31.61%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,097 zł 4,263

-1.77%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$783 zł 3,041

-21.40%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$2,916 zł 11.3K

-1.04%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$2,247 zł 8,730

-14.71%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$895 zł 3,476

-61.34%

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 Zdunska Wola: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Zdunska Wola

$452 37.5% 46.2% $143

Groceries & Markets

Cebu

$206 22.4%

Zdunska Wola

$217 18% 5.5% $11

Monthly Utilities & Internet

Cebu

$162 17.6%

Zdunska Wola

$213 17.7% 31.6% $51

Clothing & Footwear

Cebu

$94 10.2%

Zdunska Wola

$94 7.8% 0.4% $0.4

Eating Out

Cebu

$88 9.6%

Zdunska Wola

$140 11.6% 59% $52

Sport & Entertainment

Cebu

$44 4.8%

Zdunska Wola

$50 4.2% 15% $6.6

Getting Around

Cebu

$16 1.7%

Zdunska Wola

$40 3.3% 155% $24

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $516 in Zdunska Wola. Housing cost is often the main lever when comparing two cities.

Zdunska Wola pays 159% 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 $28.00 in Zdunska Wola for a mid-range dinner for two. Groceries echo the gap at $206 vs $217 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇵🇱 Zdunska Wola

🕒 Local time

07:57 7:57 AM

01:57 1:57 AM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

40,996

💱 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 19, 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 19, 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 Zdunska Wola 10,120 km ≈ 13 h nonstop flight

From you

Cebu
Zdunska Wola

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 Zdunska Wola: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and leisure. The 31% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 159% lower in Zdunska Wola. 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 $516 in Zdunska Wola. 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 $1,205 in Zdunska Wola – a 31% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 150% less than in Zdunska Wola. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,205 in Zdunska Wola, a $1,500 budget is realistic in Cebu but tight or insufficient in Zdunska Wola. 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 Zdunska Wola, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Zdunska Wola 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 31% less than in Zdunska Wola. Beyond cost, consider language, visa policies, and how big the international community is in each city.