Last update: Oct 2026

Cost of Living Comparison Between Grudziadz and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,596 in Grudziadz, rent and utilities included – about $8,100 less a year. Rent and utilities account for most of the difference.

76

Cost of Living Index in Grudziadz
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Grudziadz Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Grudziadz

🇵🇱 Poland

$1,596

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

How much you'll spend in Grudziadz 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 Grudziadz and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,596 in Grudziadz versus $918 in Cebu.

Grudziadz $1,596
Cebu $918

Estimated couple costs with rent: $2,309 in Grudziadz versus $1,409 in Cebu.

Grudziadz $2,309
Cebu $1,409

Monthly costs for a family of three with rent: $3,022 in Grudziadz versus $1,900 in Cebu.

Grudziadz $3,022
Cebu $1,900

Living in Grudziadz is roughly 74% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Grudziadz is 18% above, Cebu is 32% below.

Meal at Budget Restaurant

$12.78 zł 49.64

$3.09 ₱194

313.59%

Three-Course Dinner for Two, Mid-Range

$49.42 zł 192

$24.22 ₱1,525

104.05%

Fast Food Meal (McDonalds, etc)

$8.81 zł 34.22

$3.92 ₱247

124.74%

Cappuccino

$3.44 zł 13.37

$2.51 ₱158

37.05%

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

$2.41 zł 9.38

$1.59 ₱100

51.57%

Water (0.33 liter bottle)

$1.87 zł 7.28

$0.53 ₱33.43

252.83%

Local Beer (0.5 liter draught)

$3.14 zł 12.19

$1.78 ₱112

76.40%

Imported Beer (0.33 liter bottle)

$3.92 zł 15.23

$2.17 ₱137

80.65%

Milk (1 liter)

$1.07 zł 4.16

$1.92 ₱121

-44.27%

White Bread (500g)

$1.29 zł 5.03

$1.36 ₱85.4

-5.15%

Rice (white) (1kg)

$1.42 zł 5.53

$1.01 ₱63.5

40.59%

Eggs

$3.90 zł 15.15

$2.03 ₱128

92.12%

Local Cheese (1kg)

$9.64 zł 37.44

$9.86 ₱621

-2.23%

Chicken Fillets (1kg)

$7.26 zł 28.19

$4.39 ₱277

65.38%

Beef Round Steak (1kg)

$14.87 zł 57.8

$7.60 ₱479

95.66%

Apples (1kg)

$1.24 zł 4.82

$3.30 ₱208

-62.42%

Banana (1kg)

$1.59 zł 6.18

$1.39 ₱87.8

14.39%

Oranges (1kg)

$1.80 zł 6.99

$2.33 ₱147

-22.75%

Tomato (1kg)

$3.52 zł 13.66

$1.50 ₱94.3

134.67%

Potato (1kg)

$0.78 zł 3.03

$2.36 ₱149

-66.95%

Onion (1kg)

$1.18 zł 4.58

$1.90 ₱119

-37.89%

Lettuce (1 head)

$1.32 zł 5.11

$1.19 ₱74.9

10.92%

Water (1.5 liter bottle)

$0.67 zł 2.61

$0.63 ₱39.71

6.35%

Cigarettes 20 Pack (Marlboro, Camel)

$5.65 zł 21.97

$3.00 ₱189

88.33%

Wine (Bottle)

$7.71 zł 29.94

$6.03 ₱379

27.86%

Local Beer (0.5 liter bottle)

$1.13 zł 4.40

$1.23 ₱77.7

-8.13%

Imported Beer (0.33 liter bottle)

$1.55 zł 6.04

$1.75 ₱110

-11.43%

One-way Ticket (Public Transport)

$1.11 zł 4.32

$0.25 ₱15.86

344.00%

Public Transport Monthly Pass (Regular Price)

$30.41 zł 118

$12.64 ₱796

140.59%

Taxi Start (Normal Tariff)

$2.07 zł 8.04

$0.77 ₱48.62

168.83%

Taxi (Normal Tariff) (1km)

$0.79 zł 3.08

$0.23 ₱14.53

243.48%

Taxi 1hour Waiting (Normal Tariff)

$10.28 zł 39.95

$4.46 ₱281

130.49%

Gasoline (1 liter)

$1.59 zł 6.17

$1.31 ₱82.8

21.37%

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

$32.3K zł 125.4K

$21.2K ₱1.3M

51.92%

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

$28.8K zł 111.8K

$19.1K ₱1.2M

50.27%

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

$338 zł 1,313

$120 ₱7,569

181.14%

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

$9.88 zł 38.39

$14.00 ₱882

-29.43%

Internet (50+ Mbps, Unlimited Data)

$18.84 zł 73.2

$27.54 ₱1,734

-31.59%

Gym Membership (Monthly)

$38.74 zł 151

$32.33 ₱2,035

19.83%

Tennis Court (1 Hour on Weekend)

$19.58 zł 76.1

$6.65 ₱419

194.44%

Cinema Ticket

$8.67 zł 33.70

$5.65 ₱356

53.45%

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

$163 zł 635

$275 ₱17.3K

-40.62%

International Primary School, 1 Child (Yearly)

$8,073 zł 31.4K

$7,918 ₱498.5K

1.95%

Jeans (Levis 501 Or Similar)

$99.6 zł 387

$49.33 ₱3,106

101.99%

Summer Dress (H&M, Zara, etc)

$47.48 zł 184

$25.24 ₱1,589

88.11%

Sport Shoes (Adidas, Nike)

$99.8 zł 388

$77.0 ₱4,846

29.70%

Men's Leather Business Shoes

$103 zł 400

$57.2 ₱3,601

79.93%

1-bedroom Apartment, City Center (Monthly)

$603 zł 2,343

$500 ₱31.5K

20.73%

1-bedroom Apartment, Outside City Center (Monthly)

$527 zł 2,046

$309 ₱19.4K

70.56%

3-bedroom Apartment, City Center (Monthly)

$927 zł 3,600

$1,078 ₱67.9K

-14.03%

3-bedroom Apartment, Outside City Center (Monthly)

$849 zł 3,298

$615 ₱38.7K

37.99%

Buy Apartment in City Center (m2)

$3,038 zł 11.8K

$2,886 ₱181.7K

5.26%

Buy Apartment Outside City Center (m2)

$2,502 zł 9,720

$1,917 ₱120.7K

30.53%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.52

7.2

4.44%

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

Last update for Grudziadz: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Grudziadz

$527 33%

Cebu

$309 33.6% 41.4% $218

Monthly Utilities & Internet

Grudziadz

$367 23%

Cebu

$162 17.6% 55.9% $205

Groceries & Markets

Grudziadz

$237 14.9%

Cebu

$206 22.4% 13.3% $32

Eating Out

Grudziadz

$211 13.2%

Cebu

$88 9.6% 58.1% $122

Clothing & Footwear

Grudziadz

$157 9.9%

Cebu

$94 10.2% 40.3% $64

Sport & Entertainment

Grudziadz

$56 3.5%

Cebu

$44 4.8% 22.2% $12

Getting Around

Grudziadz

$41 2.6%

Cebu

$16 1.7% 61.9% $25

Cost Breakdown

A one-bedroom apartment in the center runs $603 in Grudziadz and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $49.00 in Grudziadz vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $237 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Grudziadz

🇵🇭 Cebu

🕒 Local time

03:14 3:14 AM

09:14 9:14 AM

6 h ahead of Grudziadz

🌤 Weather

👥 Population

92,552

964,169

💱 Currency

Polish Złoty PLN zł

Philippine Peso PHP ₱

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 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 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

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).

USD to PLN in detail →

On the map

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Between locations

Grudziadz Cebu 10,070 km ≈ 13 h nonstop flight

From you

Grudziadz
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

Grudziadz vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 74% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,394 in Grudziadz and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $603 in Grudziadz versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,596 per month in Grudziadz versus $918 in Cebu – a 74% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 141% less than in Grudziadz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,596 in Grudziadz, a $1,500 budget is realistic in Cebu but tight or insufficient in Grudziadz. 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 Grudziadz, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Grudziadz 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 74% less than in Grudziadz. Beyond cost, consider language, visa policies, and how big the international community is in each city.