Last update: Oct 2026

Cost of Living Comparison Between Koszalin and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,286 in Koszalin, rent and utilities included – about $4,400 less a year. Rent and utilities account for most of the difference.

62

Cost of Living Index in Koszalin
Learn more

Koszalin Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

Jump to prices

Koszalin

🇵🇱 Poland

$1,286

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,286 in Koszalin versus $918 in Cebu.

Koszalin $1,286
Cebu $918

Estimated couple costs with rent: $1,910 in Koszalin versus $1,409 in Cebu.

Koszalin $1,910
Cebu $1,409

Monthly costs for a family of three with rent: $2,534 in Koszalin versus $1,900 in Cebu.

Koszalin $2,534
Cebu $1,900

Living in Koszalin is roughly 40% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Koszalin 5% lower, Cebu 32% lower.

Meal at Budget Restaurant

$8.18 zł 31.78

$3.09 ₱194

164.72%

Three-Course Dinner for Two, Mid-Range

$38.27 zł 149

$24.22 ₱1,525

58.01%

Fast Food Meal (McDonalds, etc)

$8.84 zł 34.34

$3.92 ₱247

125.51%

Cappuccino

$2.94 zł 11.41

$2.51 ₱158

17.13%

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

$1.58 zł 6.13

$1.59 ₱100

-0.63%

Water (0.33 liter bottle)

$1.30 zł 5.07

$0.53 ₱33.43

145.28%

Local Beer (0.5 liter draught)

$3.73 zł 14.51

$1.78 ₱112

109.55%

Imported Beer (0.33 liter bottle)

$2.57 zł 10.00

$2.17 ₱137

18.43%

Milk (1 liter)

$0.99 zł 3.84

$1.92 ₱121

-48.44%

White Bread (500g)

$1.11 zł 4.33

$1.36 ₱85.4

-18.38%

Rice (white) (1kg)

$0.80 zł 3.10

$1.01 ₱63.5

-20.79%

Eggs

$2.89 zł 11.23

$2.03 ₱128

42.36%

Local Cheese (1kg)

$8.30 zł 32.26

$9.86 ₱621

-15.82%

Chicken Fillets (1kg)

$6.42 zł 24.92

$4.39 ₱277

46.24%

Beef Round Steak (1kg)

$9.51 zł 36.94

$7.60 ₱479

25.13%

Apples (1kg)

$0.83 zł 3.22

$3.30 ₱208

-74.85%

Banana (1kg)

$1.12 zł 4.36

$1.39 ₱87.8

-19.42%

Oranges (1kg)

$1.74 zł 6.77

$2.33 ₱147

-25.32%

Tomato (1kg)

$2.33 zł 9.05

$1.50 ₱94.3

55.33%

Potato (1kg)

$0.66 zł 2.56

$2.36 ₱149

-72.03%

Onion (1kg)

$0.77 zł 3.00

$1.90 ₱119

-59.47%

Lettuce (1 head)

$0.85 zł 3.32

$1.19 ₱74.9

-28.57%

Water (1.5 liter bottle)

$0.56 zł 2.18

$0.63 ₱39.71

-11.11%

Cigarettes 20 Pack (Marlboro, Camel)

$4.68 zł 18.20

$3.00 ₱189

56.00%

Wine (Bottle)

$6.52 zł 25.33

$6.03 ₱379

8.13%

Local Beer (0.5 liter bottle)

$1.05 zł 4.06

$1.23 ₱77.7

-14.63%

Imported Beer (0.33 liter bottle)

$1.33 zł 5.16

$1.75 ₱110

-24.00%

One-way Ticket (Public Transport)

$1.00 zł 3.87

$0.25 ₱15.86

300.00%

Public Transport Monthly Pass (Regular Price)

$27.92 zł 108

$12.64 ₱796

120.89%

Taxi Start (Normal Tariff)

$2.08 zł 8.10

$0.77 ₱48.62

170.13%

Taxi (Normal Tariff) (1km)

$0.64 zł 2.47

$0.23 ₱14.53

178.26%

Taxi 1hour Waiting (Normal Tariff)

$9.03 zł 35.09

$4.46 ₱281

102.47%

Gasoline (1 liter)

$1.65 zł 6.40

$1.31 ₱82.8

25.95%

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

$29.7K zł 115.3K

$21.2K ₱1.3M

39.68%

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

$27.1K zł 105.4K

$19.1K ₱1.2M

41.75%

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

$287 zł 1,115

$120 ₱7,569

138.79%

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

$10.15 zł 39.42

$14.00 ₱882

-27.50%

Internet (50+ Mbps, Unlimited Data)

$17.18 zł 66.8

$27.54 ₱1,734

-37.62%

Gym Membership (Monthly)

$35.42 zł 138

$32.33 ₱2,035

9.56%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$7.52 zł 29.23

$5.65 ₱356

33.10%

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

$521 zł 2,024

$275 ₱17.3K

89.21%

International Primary School, 1 Child (Yearly)

$7,925 zł 30.8K

$7,918 ₱498.5K

0.08%

Jeans (Levis 501 Or Similar)

$87.3 zł 339

$49.33 ₱3,106

76.95%

Summer Dress (H&M, Zara, etc)

$48.05 zł 187

$25.24 ₱1,589

90.37%

Sport Shoes (Adidas, Nike)

$91.1 zł 354

$77.0 ₱4,846

18.36%

Men's Leather Business Shoes

$102 zł 395

$57.2 ₱3,601

77.88%

1-bedroom Apartment, City Center (Monthly)

$630 zł 2,449

$500 ₱31.5K

26.17%

1-bedroom Apartment, Outside City Center (Monthly)

$388 zł 1,508

$309 ₱19.4K

25.65%

3-bedroom Apartment, City Center (Monthly)

$1,030 zł 4,000

$1,078 ₱67.9K

-4.48%

3-bedroom Apartment, Outside City Center (Monthly)

$759 zł 2,948

$615 ₱38.7K

23.32%

Buy Apartment in City Center (m2)

$2,128 zł 8,268

$2,886 ₱181.7K

-26.26%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$1,236 zł 4,802

$346 ₱21.8K

257.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

7.2

-7.36%

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

Last update for Koszalin: October 13, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Koszalin

$388 30.2%

Cebu

$309 33.6% 20.4% $79

Monthly Utilities & Internet

Koszalin

$314 24.5%

Cebu

$162 17.6% 48.6% $153

Groceries & Markets

Koszalin

$185 14.4%

Cebu

$206 22.4% 11% $20

Eating Out

Koszalin

$163 12.6%

Cebu

$88 9.6% 45.7% $74

Clothing & Footwear

Koszalin

$148 11.5%

Cebu

$94 10.2% 36.4% $54

Sport & Entertainment

Koszalin

$50 3.9%

Cebu

$44 4.8% 13.6% $6.8

Getting Around

Koszalin

$37 2.9%

Cebu

$16 1.7% 58.1% $22

Cost Breakdown

A one-bedroom apartment in the center runs $630 in Koszalin and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Koszalin pays 257% 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 Koszalin vs $24.00 in Cebu. Groceries flip the comparison at $185 vs $206, with Koszalin cheaper for home cooking.

Good to know

🇵🇱 Koszalin

🇵🇭 Cebu

🕒 Local time

04:51 4:51 AM

10:51 10:51 AM

6 h ahead of Koszalin

🌤 Weather

👥 Population

105,143

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 18, 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 18, 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

Lowest

Highest

Between locations

Koszalin Cebu 10,200 km ≈ 13 h nonstop flight

From you

Koszalin
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

Koszalin vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 40% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 257% higher in Koszalin, 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: $630 in Koszalin versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,286 per month in Koszalin versus $918 in Cebu – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 121% less than in Koszalin. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,286 in Koszalin, a $1,500 budget is realistic in Cebu but tight or insufficient in Koszalin. 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 Koszalin, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Koszalin 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 40% less than in Koszalin. Beyond cost, consider language, visa policies, and how big the international community is in each city.