Last update: Oct 2026

Cost of Living Comparison Between Kartuzy and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,423 in Kartuzy, rent and utilities included – about $6,100 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Kartuzy
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Kartuzy Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Kartuzy

🇵🇱 Poland

$1,423

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,423 in Kartuzy versus $918 in Cebu.

Kartuzy $1,423
Cebu $918

Estimated couple costs with rent: $2,043 in Kartuzy versus $1,409 in Cebu.

Kartuzy $2,043
Cebu $1,409

Monthly costs for a family of three with rent: $2,663 in Kartuzy versus $1,900 in Cebu.

Kartuzy $2,663
Cebu $1,900

Living in Kartuzy is roughly 55% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kartuzy is 5% above, Cebu is 32% below.

Meal at Budget Restaurant

$8.06 zł 31.30

$3.09 ₱194

160.84%

Three-Course Dinner for Two, Mid-Range

$41.46 zł 161

$24.22 ₱1,525

71.18%

Fast Food Meal (McDonalds, etc)

$8.99 zł 34.91

$3.92 ₱247

129.34%

Cappuccino

$3.35 zł 13.03

$2.51 ₱158

33.47%

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

$2.13 zł 8.29

$1.59 ₱100

33.96%

Water (0.33 liter bottle)

$1.59 zł 6.18

$0.53 ₱33.43

200.00%

Local Beer (0.5 liter draught)

$3.63 zł 14.09

$1.78 ₱112

103.93%

Imported Beer (0.33 liter bottle)

$3.77 zł 14.66

$2.17 ₱137

73.73%

Milk (1 liter)

$0.92 zł 3.59

$1.92 ₱121

-52.08%

White Bread (500g)

$1.21 zł 4.69

$1.36 ₱85.4

-11.03%

Rice (white) (1kg)

$1.13 zł 4.41

$1.01 ₱63.5

11.88%

Eggs

$3.34 zł 12.97

$2.03 ₱128

64.53%

Local Cheese (1kg)

$8.10 zł 31.47

$9.86 ₱621

-17.85%

Chicken Fillets (1kg)

$6.83 zł 26.54

$4.39 ₱277

55.58%

Beef Round Steak (1kg)

$10.96 zł 42.57

$7.60 ₱479

44.21%

Apples (1kg)

$1.12 zł 4.35

$3.30 ₱208

-66.06%

Banana (1kg)

$1.65 zł 6.43

$1.39 ₱87.8

18.71%

Oranges (1kg)

$1.45 zł 5.65

$2.33 ₱147

-37.77%

Tomato (1kg)

$2.63 zł 10.22

$1.50 ₱94.3

75.33%

Potato (1kg)

$0.83 zł 3.23

$2.36 ₱149

-64.83%

Onion (1kg)

$1.03 zł 4.02

$1.90 ₱119

-45.79%

Lettuce (1 head)

$1.37 zł 5.30

$1.19 ₱74.9

15.13%

Water (1.5 liter bottle)

$0.68 zł 2.64

$0.63 ₱39.71

7.94%

Cigarettes 20 Pack (Marlboro, Camel)

$4.56 zł 17.71

$3.00 ₱189

52.00%

Wine (Bottle)

$6.67 zł 25.91

$6.03 ₱379

10.61%

Local Beer (0.5 liter bottle)

$1.13 zł 4.40

$1.23 ₱77.7

-8.13%

Imported Beer (0.33 liter bottle)

$1.57 zł 6.11

$1.75 ₱110

-10.29%

One-way Ticket (Public Transport)

$1.10 zł 4.28

$0.25 ₱15.86

340.00%

Public Transport Monthly Pass (Regular Price)

$26.96 zł 105

$12.64 ₱796

113.29%

Taxi Start (Normal Tariff)

$2.33 zł 9.05

$0.77 ₱48.62

202.60%

Taxi (Normal Tariff) (1km)

$0.74 zł 2.89

$0.23 ₱14.53

221.74%

Taxi 1hour Waiting (Normal Tariff)

$9.94 zł 38.61

$4.46 ₱281

122.87%

Gasoline (1 liter)

$1.64 zł 6.38

$1.31 ₱82.8

25.19%

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

$26.8K zł 104.3K

$21.2K ₱1.3M

26.32%

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

$29.9K zł 116.3K

$19.1K ₱1.2M

56.28%

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

$271 zł 1,052

$120 ₱7,569

125.14%

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

$8.82 zł 34.25

$14.00 ₱882

-37.00%

Internet (50+ Mbps, Unlimited Data)

$17.21 zł 66.9

$27.54 ₱1,734

-37.51%

Gym Membership (Monthly)

$38.82 zł 151

$32.33 ₱2,035

20.07%

Tennis Court (1 Hour on Weekend)

$24.96 zł 97.0

$6.65 ₱419

275.34%

Cinema Ticket

$7.11 zł 27.62

$5.65 ₱356

25.84%

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

$362 zł 1,407

$275 ₱17.3K

31.52%

International Primary School, 1 Child (Yearly)

$6,810 zł 26.5K

$7,918 ₱498.5K

-14.00%

Jeans (Levis 501 Or Similar)

$93.2 zł 362

$49.33 ₱3,106

88.99%

Summer Dress (H&M, Zara, etc)

$40.83 zł 159

$25.24 ₱1,589

61.77%

Sport Shoes (Adidas, Nike)

$95.0 zł 369

$77.0 ₱4,846

23.48%

Men's Leather Business Shoes

$90.3 zł 351

$57.2 ₱3,601

57.81%

1-bedroom Apartment, City Center (Monthly)

$607 zł 2,360

$500 ₱31.5K

21.60%

1-bedroom Apartment, Outside City Center (Monthly)

$514 zł 1,998

$309 ₱19.4K

66.49%

3-bedroom Apartment, City Center (Monthly)

$995 zł 3,868

$1,078 ₱67.9K

-7.64%

3-bedroom Apartment, Outside City Center (Monthly)

$804 zł 3,124

$615 ₱38.7K

30.69%

Buy Apartment in City Center (m2)

$2,891 zł 11.2K

$2,886 ₱181.7K

0.18%

Buy Apartment Outside City Center (m2)

$2,217 zł 8,615

$1,917 ₱120.7K

15.70%

Average Monthly Net Salary (After Tax)

$1,269 zł 4,930

$346 ₱21.8K

266.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

7.2

-7.22%

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

Last update for Kartuzy: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Kartuzy

$514 36.1%

Cebu

$309 33.6% 39.9% $205

Monthly Utilities & Internet

Kartuzy

$297 20.9%

Cebu

$162 17.6% 45.5% $135

Groceries & Markets

Kartuzy

$205 14.4%

Cebu

$206 22.4% 0.3% $0.5

Eating Out

Kartuzy

$172 12.1%

Cebu

$88 9.6% 48.8% $84

Clothing & Footwear

Kartuzy

$144 10.1%

Cebu

$94 10.2% 34.6% $50

Sport & Entertainment

Kartuzy

$53 3.7%

Cebu

$44 4.8% 17.8% $9.4

Getting Around

Kartuzy

$37 2.6%

Cebu

$16 1.7% 58.4% $22

Cost Breakdown

A one-bedroom apartment in the center runs $607 in Kartuzy and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kartuzy pays 267% 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: $41.00 in Kartuzy vs $24.00 in Cebu. Groceries flip the comparison at $205 vs $206, with Kartuzy cheaper for home cooking.

Good to know

🇵🇱 Kartuzy

🇵🇭 Cebu

🕒 Local time

03:56 3:56 AM

09:56 9:56 AM

6 h ahead of Kartuzy

🌤 Weather

👥 Population

14,186

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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Highest

Between locations

Kartuzy Cebu 10,070 km ≈ 13 h nonstop flight

From you

Kartuzy
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

Kartuzy vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 55% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 267% higher in Kartuzy, 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: $607 in Kartuzy versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,423 per month in Kartuzy versus $918 in Cebu – a 55% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 113% less than in Kartuzy. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,423 in Kartuzy, a $1,500 budget is realistic in Cebu but tight or insufficient in Kartuzy. 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 Kartuzy, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kartuzy 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 55% less than in Kartuzy. Beyond cost, consider language, visa policies, and how big the international community is in each city.