Last update: Oct 2026

Cost of Living Comparison Between Krakow and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,811 in Krakow, rent and utilities included – about $10,500 less a year. Rent and utilities account for most of the difference.

88

Cost of Living Index in Krakow
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Krakow Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Krakow

🇵🇱 Poland

$1,811

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,811 in Krakow versus $934 in Cebu.

Krakow $1,811
Cebu $934

Estimated couple costs with rent: $2,597 in Krakow versus $1,415 in Cebu.

Krakow $2,597
Cebu $1,415

Monthly costs for a family of three with rent: $3,383 in Krakow versus $1,896 in Cebu.

Krakow $3,383
Cebu $1,896

Living in Krakow is roughly 94% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Krakow is 35% above, Cebu is 30% below.

Meal at Budget Restaurant

$11.89 zł 46.38

$3.03 ₱191

292.41%

Three-Course Dinner for Two, Mid-Range

$50.2 zł 196

$23.48 ₱1,476

113.84%

Fast Food Meal (McDonalds, etc)

$9.96 zł 38.86

$4.09 ₱257

143.52%

Cappuccino

$4.12 zł 16.06

$2.52 ₱158

63.49%

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

$2.57 zł 10.04

$1.54 ₱97.2

66.88%

Water (0.33 liter bottle)

$2.44 zł 9.51

$0.49 ₱31.06

397.96%

Local Beer (0.5 liter draught)

$4.57 zł 17.85

$1.79 ₱113

155.31%

Imported Beer (0.33 liter bottle)

$4.56 zł 17.81

$2.26 ₱142

101.77%

Milk (1 liter)

$1.06 zł 4.12

$1.95 ₱122

-45.64%

White Bread (500g)

$1.47 zł 5.73

$1.43 ₱89.9

2.80%

Rice (white) (1kg)

$1.69 zł 6.61

$1.02 ₱64.0

65.69%

Eggs

$3.95 zł 15.40

$2.06 ₱129

91.75%

Local Cheese (1kg)

$9.31 zł 36.31

$9.81 ₱617

-5.10%

Chicken Fillets (1kg)

$7.75 zł 30.24

$4.61 ₱290

68.11%

Beef Round Steak (1kg)

$13.20 zł 51.5

$7.70 ₱484

71.43%

Apples (1kg)

$1.34 zł 5.22

$3.31 ₱208

-59.52%

Banana (1kg)

$1.69 zł 6.61

$1.45 ₱91.2

16.55%

Oranges (1kg)

$1.76 zł 6.85

$2.36 ₱148

-25.42%

Tomato (1kg)

$3.06 zł 11.93

$1.54 ₱96.6

98.70%

Potato (1kg)

$0.92 zł 3.61

$2.36 ₱148

-61.02%

Onion (1kg)

$0.98 zł 3.82

$1.99 ₱125

-50.75%

Lettuce (1 head)

$1.23 zł 4.80

$1.15 ₱72.3

6.96%

Water (1.5 liter bottle)

$0.80 zł 3.13

$0.67 ₱42.26

19.40%

Cigarettes 20 Pack (Marlboro, Camel)

$6.22 zł 24.29

$3.00 ₱189

107.33%

Wine (Bottle)

$6.30 zł 24.57

$6.35 ₱399

-0.79%

Local Beer (0.5 liter bottle)

$1.18 zł 4.62

$1.31 ₱82.1

-9.92%

Imported Beer (0.33 liter bottle)

$1.77 zł 6.89

$1.73 ₱109

2.31%

One-way Ticket (Public Transport)

$1.50 zł 5.85

$0.25 ₱15.82

500.00%

Public Transport Monthly Pass (Regular Price)

$33.54 zł 131

$12.65 ₱796

165.14%

Taxi Start (Normal Tariff)

$2.28 zł 8.89

$0.74 ₱46.44

208.11%

Taxi (Normal Tariff) (1km)

$0.99 zł 3.88

$0.21 ₱13.15

371.43%

Taxi 1hour Waiting (Normal Tariff)

$12.22 zł 47.70

$4.33 ₱272

182.22%

Gasoline (1 liter)

$1.69 zł 6.61

$1.33 ₱83.7

27.07%

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

$30.4K zł 118.8K

$21.8K ₱1.4M

39.90%

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

$28.9K zł 112.7K

$19.4K ₱1.2M

48.94%

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

$333 zł 1,299

$121 ₱7,583

176.11%

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

$8.71 zł 33.98

$14.45 ₱909

-39.72%

Internet (50+ Mbps, Unlimited Data)

$17.32 zł 67.6

$28.29 ₱1,779

-38.78%

Gym Membership (Monthly)

$45.70 zł 178

$32.68 ₱2,055

39.84%

Tennis Court (1 Hour on Weekend)

$25.11 zł 98.0

$6.39 ₱402

292.96%

Cinema Ticket

$8.69 zł 33.90

$5.46 ₱343

59.16%

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

$463 zł 1,805

$273 ₱17.2K

69.19%

International Primary School, 1 Child (Yearly)

$9,594 zł 37.4K

$8,156 ₱512.9K

17.63%

Jeans (Levis 501 Or Similar)

$99.1 zł 387

$49.57 ₱3,117

99.86%

Summer Dress (H&M, Zara, etc)

$40.31 zł 157

$24.87 ₱1,564

62.08%

Sport Shoes (Adidas, Nike)

$90.3 zł 352

$76.6 ₱4,817

17.89%

Men's Leather Business Shoes

$119 zł 464

$59.3 ₱3,727

100.47%

1-bedroom Apartment, City Center (Monthly)

$946 zł 3,692

$506 ₱31.8K

87.09%

1-bedroom Apartment, Outside City Center (Monthly)

$717 zł 2,800

$309 ₱19.5K

131.87%

3-bedroom Apartment, City Center (Monthly)

$1,440 zł 5,620

$1,052 ₱66.1K

36.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,136 zł 4,432

$619 ₱38.9K

83.46%

Buy Apartment in City Center (m2)

$5,602 zł 21.9K

$2,915 ₱183.4K

92.14%

Buy Apartment Outside City Center (m2)

$3,540 zł 13.8K

$1,867 ₱117.4K

89.59%

Average Monthly Net Salary (After Tax)

$1,855 zł 7,238

$341 ₱21.5K

443.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

7.2

-8.06%

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

Last update for Krakow: 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

Krakow

$717 39.8%

Cebu

$309 33.5% 56.9% $408

Monthly Utilities & Internet

Krakow

$359 19.9%

Cebu

$163 17.7% 54.5% $196

Groceries & Markets

Krakow

$235 13%

Cebu

$210 22.7% 10.3% $24

Eating Out

Krakow

$226 12.6%

Cebu

$88 9.6% 61% $138

Clothing & Footwear

Krakow

$157 8.7%

Cebu

$95 10.2% 39.7% $62

Sport & Entertainment

Krakow

$63 3.5%

Cebu

$44 4.7% 30.9% $19

Getting Around

Krakow

$47 2.6%

Cebu

$15 1.7% 67% $31

Cost Breakdown

A one-bedroom apartment in the center runs $946 in Krakow and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Krakow pays 444% 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: $50.0 in Krakow vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $235 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Krakow

🇵🇭 Cebu

🕒 Local time

09:29 9:29 AM

15:29 3:29 PM

6 h ahead of Krakow

🌤 Weather

👥 Population

806,201

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 = 3.9 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 = 62.89 PHP (100 PHP = 1.59 USD). 1 EUR = 70.54 PHP (100 PHP = 1.42 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Krakow Cebu 10,110 km ≈ 13 h nonstop flight

From you

Krakow
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

Krakow vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 94% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 444% higher in Krakow, 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: $946 in Krakow versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,811 per month in Krakow versus $934 in Cebu – a 94% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 165% less than in Krakow. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,811 in Krakow, a $1,500 budget is realistic in Cebu but tight or insufficient in Krakow. 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 Krakow, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Krakow 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 94% less than in Krakow. Beyond cost, consider language, visa policies, and how big the international community is in each city.