Last update: Oct 2026

Cost of Living Comparison Between Kielce and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,403 in Kielce, rent and utilities included – about $5,800 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Kielce
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Kielce Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Kielce

🇵🇱 Poland

$1,403

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,403 in Kielce versus $918 in Cebu.

Kielce $1,403
Cebu $918

Estimated couple costs with rent: $1,984 in Kielce versus $1,409 in Cebu.

Kielce $1,984
Cebu $1,409

Monthly costs for a family of three with rent: $2,565 in Kielce versus $1,900 in Cebu.

Kielce $2,565
Cebu $1,900

Living in Kielce is roughly 53% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kielce is 4% above, Cebu is 32% below.

Meal at Budget Restaurant

$11.28 zł 43.84

$3.09 ₱194

265.05%

Three-Course Dinner for Two, Mid-Range

$38.33 zł 149

$24.22 ₱1,525

58.26%

Fast Food Meal (McDonalds, etc)

$7.60 zł 29.54

$3.92 ₱247

93.88%

Cappuccino

$2.97 zł 11.55

$2.51 ₱158

18.33%

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

$1.47 zł 5.73

$1.59 ₱100

-7.55%

Water (0.33 liter bottle)

$1.08 zł 4.18

$0.53 ₱33.43

103.77%

Local Beer (0.5 liter draught)

$3.35 zł 13.02

$1.78 ₱112

88.20%

Imported Beer (0.33 liter bottle)

$3.73 zł 14.49

$2.17 ₱137

71.89%

Milk (1 liter)

$1.04 zł 4.05

$1.92 ₱121

-45.83%

White Bread (500g)

$1.44 zł 5.58

$1.36 ₱85.4

5.88%

Rice (white) (1kg)

$1.14 zł 4.45

$1.01 ₱63.5

12.87%

Eggs

$3.24 zł 12.58

$2.03 ₱128

59.61%

Local Cheese (1kg)

$7.13 zł 27.71

$9.86 ₱621

-27.69%

Chicken Fillets (1kg)

$6.38 zł 24.77

$4.39 ₱277

45.33%

Beef Round Steak (1kg)

$8.93 zł 34.68

$7.60 ₱479

17.50%

Apples (1kg)

$0.93 zł 3.61

$3.30 ₱208

-71.82%

Banana (1kg)

$1.58 zł 6.15

$1.39 ₱87.8

13.67%

Oranges (1kg)

$1.30 zł 5.06

$2.33 ₱147

-44.21%

Tomato (1kg)

$2.37 zł 9.20

$1.50 ₱94.3

58.00%

Potato (1kg)

$0.69 zł 2.68

$2.36 ₱149

-70.76%

Onion (1kg)

$0.76 zł 2.94

$1.90 ₱119

-60.00%

Lettuce (1 head)

$1.04 zł 4.03

$1.19 ₱74.9

-12.61%

Water (1.5 liter bottle)

$0.70 zł 2.70

$0.63 ₱39.71

11.11%

Cigarettes 20 Pack (Marlboro, Camel)

$5.05 zł 19.61

$3.00 ₱189

68.33%

Wine (Bottle)

$6.83 zł 26.54

$6.03 ₱379

13.27%

Local Beer (0.5 liter bottle)

$1.22 zł 4.75

$1.23 ₱77.7

-0.81%

Imported Beer (0.33 liter bottle)

$1.44 zł 5.61

$1.75 ₱110

-17.71%

One-way Ticket (Public Transport)

$1.04 zł 4.03

$0.25 ₱15.86

316.00%

Public Transport Monthly Pass (Regular Price)

$30.77 zł 120

$12.64 ₱796

143.43%

Taxi Start (Normal Tariff)

$1.79 zł 6.96

$0.77 ₱48.62

132.47%

Taxi (Normal Tariff) (1km)

$1.04 zł 4.03

$0.23 ₱14.53

352.17%

Taxi 1hour Waiting (Normal Tariff)

$10.78 zł 41.87

$4.46 ₱281

141.70%

Gasoline (1 liter)

$1.60 zł 6.23

$1.31 ₱82.8

22.14%

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

$30.5K zł 118.5K

$21.2K ₱1.3M

43.64%

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

$26.7K zł 103.6K

$19.1K ₱1.2M

39.26%

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

$228 zł 886

$120 ₱7,569

89.71%

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

$8.12 zł 31.56

$14.00 ₱882

-42.00%

Internet (50+ Mbps, Unlimited Data)

$14.81 zł 57.5

$27.54 ₱1,734

-46.22%

Gym Membership (Monthly)

$38.72 zł 150

$32.33 ₱2,035

19.76%

Tennis Court (1 Hour on Weekend)

$18.44 zł 71.7

$6.65 ₱419

177.29%

Cinema Ticket

$7.51 zł 29.16

$5.65 ₱356

32.92%

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

$259 zł 1,007

$275 ₱17.3K

-5.82%

International Primary School, 1 Child (Yearly)

$7,977 zł 31.0K

$7,918 ₱498.5K

0.74%

Jeans (Levis 501 Or Similar)

$71.1 zł 276

$49.33 ₱3,106

44.05%

Summer Dress (H&M, Zara, etc)

$35.23 zł 137

$25.24 ₱1,589

39.58%

Sport Shoes (Adidas, Nike)

$76.0 zł 295

$77.0 ₱4,846

-1.23%

Men's Leather Business Shoes

$103 zł 401

$57.2 ₱3,601

80.61%

1-bedroom Apartment, City Center (Monthly)

$713 zł 2,769

$500 ₱31.5K

42.69%

1-bedroom Apartment, Outside City Center (Monthly)

$552 zł 2,146

$309 ₱19.4K

78.82%

3-bedroom Apartment, City Center (Monthly)

$965 zł 3,749

$1,078 ₱67.9K

-10.48%

3-bedroom Apartment, Outside City Center (Monthly)

$800 zł 3,107

$615 ₱38.7K

29.99%

Buy Apartment in City Center (m2)

$3,108 zł 12.1K

$2,886 ₱181.7K

7.68%

Buy Apartment Outside City Center (m2)

$2,418 zł 9,396

$1,917 ₱120.7K

26.18%

Average Monthly Net Salary (After Tax)

$1,336 zł 5,190

$346 ₱21.8K

286.10%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

7.2

-10.83%

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

Last update for Kielce: 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

Kielce

$552 39.4%

Cebu

$309 33.6% 44.1% $243

Monthly Utilities & Internet

Kielce

$251 17.9%

Cebu

$162 17.6% 35.6% $89

Groceries & Markets

Kielce

$192 13.7%

Cebu

$206 22.4% 7.1% $14

Eating Out

Kielce

$183 13.1%

Cebu

$88 9.6% 51.8% $95

Clothing & Footwear

Kielce

$129 9.2%

Cebu

$94 10.2% 26.9% $35

Sport & Entertainment

Kielce

$54 3.8%

Cebu

$44 4.8% 18.8% $10

Getting Around

Kielce

$42 3%

Cebu

$16 1.7% 62.8% $26

Cost Breakdown

A one-bedroom apartment in the center runs $713 in Kielce and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kielce pays 286% 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: $38.00 in Kielce vs $24.00 in Cebu. Groceries flip the comparison at $192 vs $206, with Kielce cheaper for home cooking.

Good to know

🇵🇱 Kielce

🇵🇭 Cebu

🕒 Local time

23:45 11:45 PM

05:45 5:45 AM

6 h ahead of Kielce

🌤 Weather

👥 Population

192,468

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 19, 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 19, 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

Kielce Cebu 10,030 km ≈ 13 h nonstop flight

From you

Kielce
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

Kielce vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 53% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 286% higher in Kielce, 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: $713 in Kielce versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,403 per month in Kielce versus $918 in Cebu – a 53% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 143% less than in Kielce. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,403 in Kielce, a $1,500 budget is realistic in Cebu but tight or insufficient in Kielce. 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 Kielce, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kielce 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 53% less than in Kielce. Beyond cost, consider language, visa policies, and how big the international community is in each city.