Last update: Oct 2026

Cost of Living Comparison Between Gdynia and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,731 in Gdynia, rent and utilities included – about $9,600 less a year. Rent and utilities account for most of the difference.

82

Cost of Living Index in Gdynia
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Gdynia Living Index
44

Cost of Living Index in Cebu
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Cebu Living Index

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Gdynia

🇵🇱 Poland

$1,731

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

How much you'll spend in Gdynia and in Cebu

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Gdynia and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,731 in Gdynia versus $934 in Cebu.

Gdynia $1,731
Cebu $934

Estimated couple costs with rent: $2,437 in Gdynia versus $1,415 in Cebu.

Gdynia $2,437
Cebu $1,415

Monthly costs for a family of three with rent: $3,143 in Gdynia versus $1,896 in Cebu.

Gdynia $3,143
Cebu $1,896

Living in Gdynia is roughly 85% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Gdynia is 29% above, Cebu is 30% below.

Meal at Budget Restaurant

$10.19 zł 39.84

$3.03 ₱190

236.30%

Three-Course Dinner for Two, Mid-Range

$51.3 zł 200

$23.48 ₱1,473

118.44%

Fast Food Meal (McDonalds, etc)

$9.57 zł 37.41

$4.09 ₱256

133.99%

Cappuccino

$4.27 zł 16.69

$2.52 ₱158

69.44%

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

$2.76 zł 10.79

$1.54 ₱96.9

79.22%

Water (0.33 liter bottle)

$2.13 zł 8.33

$0.49 ₱30.98

334.69%

Local Beer (0.5 liter draught)

$3.86 zł 15.09

$1.79 ₱112

115.64%

Imported Beer (0.33 liter bottle)

$4.09 zł 15.97

$2.26 ₱142

80.97%

Milk (1 liter)

$1.04 zł 4.06

$1.95 ₱122

-46.67%

White Bread (500g)

$1.31 zł 5.12

$1.43 ₱89.7

-8.39%

Rice (white) (1kg)

$1.90 zł 7.44

$1.02 ₱63.8

86.27%

Eggs

$3.87 zł 15.11

$2.06 ₱129

87.86%

Local Cheese (1kg)

$12.65 zł 49.45

$9.81 ₱615

28.95%

Chicken Fillets (1kg)

$7.64 zł 29.85

$4.61 ₱289

65.73%

Beef Round Steak (1kg)

$13.92 zł 54.4

$7.70 ₱483

80.78%

Apples (1kg)

$1.35 zł 5.26

$3.31 ₱207

-59.21%

Banana (1kg)

$1.79 zł 7.01

$1.45 ₱90.9

23.45%

Oranges (1kg)

$1.82 zł 7.13

$2.36 ₱148

-22.88%

Tomato (1kg)

$3.16 zł 12.33

$1.54 ₱96.4

105.19%

Potato (1kg)

$1.16 zł 4.55

$2.36 ₱148

-50.85%

Onion (1kg)

$1.17 zł 4.56

$1.99 ₱125

-41.21%

Lettuce (1 head)

$1.69 zł 6.61

$1.15 ₱72.1

46.96%

Water (1.5 liter bottle)

$0.62 zł 2.42

$0.67 ₱42.15

-7.46%

Cigarettes 20 Pack (Marlboro, Camel)

$6.14 zł 24.02

$3.00 ₱188

104.67%

Wine (Bottle)

$8.15 zł 31.84

$6.35 ₱398

28.35%

Local Beer (0.5 liter bottle)

$1.10 zł 4.29

$1.31 ₱81.9

-16.03%

Imported Beer (0.33 liter bottle)

$1.63 zł 6.37

$1.73 ₱108

-5.78%

One-way Ticket (Public Transport)

$1.21 zł 4.73

$0.25 ₱15.78

384.00%

Public Transport Monthly Pass (Regular Price)

$35.57 zł 139

$12.65 ₱793

181.19%

Taxi Start (Normal Tariff)

$2.26 zł 8.82

$0.74 ₱46.32

205.41%

Taxi (Normal Tariff) (1km)

$1.01 zł 3.93

$0.21 ₱13.11

380.95%

Taxi 1hour Waiting (Normal Tariff)

$12.85 zł 50.2

$4.33 ₱271

196.77%

Gasoline (1 liter)

$1.63 zł 6.38

$1.33 ₱83.5

22.56%

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

$30.4K zł 119.0K

$21.8K ₱1.4M

39.89%

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

$27.8K zł 108.5K

$19.4K ₱1.2M

43.15%

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

$302 zł 1,179

$121 ₱7,563

150.22%

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

$10.33 zł 40.37

$14.45 ₱907

-28.51%

Internet (50+ Mbps, Unlimited Data)

$18.99 zł 74.2

$28.29 ₱1,774

-32.87%

Gym Membership (Monthly)

$44.35 zł 173

$32.68 ₱2,050

35.71%

Tennis Court (1 Hour on Weekend)

$31.16 zł 122

$6.39 ₱401

387.64%

Cinema Ticket

$9.42 zł 36.82

$5.46 ₱342

72.53%

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

$404 zł 1,580

$273 ₱17.1K

47.87%

International Primary School, 1 Child (Yearly)

$5,655 zł 22.1K

$8,156 ₱511.5K

-30.67%

Jeans (Levis 501 Or Similar)

$94.5 zł 369

$49.57 ₱3,109

90.54%

Summer Dress (H&M, Zara, etc)

$40.63 zł 159

$24.87 ₱1,560

63.37%

Sport Shoes (Adidas, Nike)

$103 zł 403

$76.6 ₱4,804

34.64%

Men's Leather Business Shoes

$105 zł 411

$59.3 ₱3,717

77.27%

1-bedroom Apartment, City Center (Monthly)

$812 zł 3,174

$506 ₱31.7K

60.55%

1-bedroom Apartment, Outside City Center (Monthly)

$640 zł 2,500

$309 ₱19.4K

106.75%

3-bedroom Apartment, City Center (Monthly)

$1,147 zł 4,484

$1,052 ₱66.0K

9.08%

3-bedroom Apartment, Outside City Center (Monthly)

$935 zł 3,654

$619 ₱38.8K

51.01%

Buy Apartment in City Center (m2)

$4,159 zł 16.3K

$2,915 ₱182.9K

42.66%

Buy Apartment Outside City Center (m2)

$2,500 zł 9,773

$1,867 ₱117.1K

33.91%

Average Monthly Net Salary (After Tax)

$1,927 zł 7,532

$341 ₱21.4K

464.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

7.2

-8.33%

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

Last update for Gdynia: October 3, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Gdynia

$640 37.8%

Cebu

$309 33.5% 51.6% $330

Monthly Utilities & Internet

Gdynia

$331 19.5%

Cebu

$163 17.7% 50.7% $168

Groceries & Markets

Gdynia

$250 14.8%

Cebu

$210 22.7% 15.9% $40

Eating Out

Gdynia

$209 12.3%

Cebu

$88 9.6% 57.6% $120

Clothing & Footwear

Gdynia

$154 9.1%

Cebu

$95 10.2% 38.7% $60

Sport & Entertainment

Gdynia

$63 3.7%

Cebu

$44 4.7% 31% $20

Getting Around

Gdynia

$48 2.8%

Cebu

$15 1.7% 67.6% $32

Cost Breakdown

A one-bedroom apartment in the center runs $812 in Gdynia and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Gdynia pays 465% 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: $51.0 in Gdynia vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $250 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Gdynia

🇵🇭 Cebu

🕒 Local time

09:01 9:01 AM

15:01 3:01 PM

6 h ahead of Gdynia

🌤 Weather

👥 Population

257,000

964,169

💱 Currency

Polish Złoty PLN zł

Philippine Peso PHP ₱

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

Exchange rates and currency converter

PHP, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 10, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.38 PLN (1 PLN = 0.228 EUR).

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Gdynia Cebu 10,040 km ≈ 13 h nonstop flight

From you

Gdynia
Cebu

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

Gdynia vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 85% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 465% higher in Gdynia, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $812 in Gdynia versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,731 per month in Gdynia versus $934 in Cebu – a 85% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 181% less than in Gdynia. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,731 in Gdynia, a $1,500 budget is realistic in Cebu but tight or insufficient in Gdynia. 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 Gdynia, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Gdynia and Cebu 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 85% less than in Gdynia. Beyond cost, consider language, visa policies, and how big the international community is in each city.