Last update: Oct 2026

Cost of Living Comparison Between Lodz and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,469 in Lodz, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

72

Cost of Living Index in Lodz
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Lodz Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Lodz

🇵🇱 Poland

$1,469

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,469 in Lodz versus $934 in Cebu.

Lodz $1,469
Cebu $934

Estimated couple costs with rent: $2,141 in Lodz versus $1,415 in Cebu.

Lodz $2,141
Cebu $1,415

Monthly costs for a family of three with rent: $2,813 in Lodz versus $1,896 in Cebu.

Lodz $2,813
Cebu $1,896

Living in Lodz is roughly 57% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Lodz is 10% above, Cebu is 30% below.

Meal at Budget Restaurant

$9.77 zł 38.19

$3.03 ₱190

222.44%

Three-Course Dinner for Two, Mid-Range

$47.41 zł 185

$23.48 ₱1,473

101.92%

Fast Food Meal (McDonalds, etc)

$9.22 zł 36.05

$4.09 ₱256

125.43%

Cappuccino

$3.53 zł 13.79

$2.52 ₱158

40.08%

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

$2.77 zł 10.81

$1.54 ₱96.9

79.87%

Water (0.33 liter bottle)

$2.68 zł 10.46

$0.49 ₱30.98

446.94%

Local Beer (0.5 liter draught)

$4.49 zł 17.54

$1.79 ₱112

150.84%

Imported Beer (0.33 liter bottle)

$5.00 zł 19.54

$2.26 ₱142

121.24%

Milk (1 liter)

$1.02 zł 3.99

$1.95 ₱122

-47.69%

White Bread (500g)

$1.07 zł 4.19

$1.43 ₱89.7

-25.17%

Rice (white) (1kg)

$1.34 zł 5.25

$1.02 ₱63.8

31.37%

Eggs

$3.31 zł 12.93

$2.06 ₱129

60.68%

Local Cheese (1kg)

$10.76 zł 42.07

$9.81 ₱615

9.68%

Chicken Fillets (1kg)

$7.06 zł 27.58

$4.61 ₱289

53.15%

Beef Round Steak (1kg)

$11.96 zł 46.74

$7.70 ₱483

55.32%

Apples (1kg)

$1.15 zł 4.48

$3.31 ₱207

-65.26%

Banana (1kg)

$1.67 zł 6.54

$1.45 ₱90.9

15.17%

Oranges (1kg)

$2.31 zł 9.05

$2.36 ₱148

-2.12%

Tomato (1kg)

$2.96 zł 11.59

$1.54 ₱96.4

92.21%

Potato (1kg)

$0.84 zł 3.29

$2.36 ₱148

-64.41%

Onion (1kg)

$0.91 zł 3.56

$1.99 ₱125

-54.27%

Lettuce (1 head)

$1.32 zł 5.17

$1.15 ₱72.1

14.78%

Water (1.5 liter bottle)

$0.59 zł 2.29

$0.67 ₱42.15

-11.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.78 zł 22.59

$3.00 ₱188

92.67%

Wine (Bottle)

$6.72 zł 26.25

$6.35 ₱398

5.83%

Local Beer (0.5 liter bottle)

$1.16 zł 4.52

$1.31 ₱81.9

-11.45%

Imported Beer (0.33 liter bottle)

$1.68 zł 6.57

$1.73 ₱108

-2.89%

One-way Ticket (Public Transport)

$1.16 zł 4.55

$0.25 ₱15.78

364.00%

Public Transport Monthly Pass (Regular Price)

$50.8 zł 198

$12.65 ₱793

301.42%

Taxi Start (Normal Tariff)

$1.57 zł 6.14

$0.74 ₱46.32

112.16%

Taxi (Normal Tariff) (1km)

$0.58 zł 2.25

$0.21 ₱13.11

176.19%

Taxi 1hour Waiting (Normal Tariff)

$9.01 zł 35.20

$4.33 ₱271

108.08%

Gasoline (1 liter)

$1.62 zł 6.35

$1.33 ₱83.5

21.80%

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

$30.8K zł 120.6K

$21.8K ₱1.4M

41.70%

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

$26.8K zł 104.7K

$19.4K ₱1.2M

38.10%

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

$309 zł 1,206

$121 ₱7,563

155.92%

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

$8.67 zł 33.89

$14.45 ₱907

-40.00%

Internet (50+ Mbps, Unlimited Data)

$17.27 zł 67.5

$28.29 ₱1,774

-38.95%

Gym Membership (Monthly)

$36.49 zł 143

$32.68 ₱2,050

11.66%

Tennis Court (1 Hour on Weekend)

$18.00 zł 70.3

$6.39 ₱401

181.69%

Cinema Ticket

$7.86 zł 30.71

$5.46 ₱342

43.96%

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

$514 zł 2,010

$273 ₱17.1K

88.07%

International Primary School, 1 Child (Yearly)

$10.3K zł 40.1K

$8,156 ₱511.5K

25.94%

Jeans (Levis 501 Or Similar)

$74.5 zł 291

$49.57 ₱3,109

50.25%

Summer Dress (H&M, Zara, etc)

$40.66 zł 159

$24.87 ₱1,560

63.49%

Sport Shoes (Adidas, Nike)

$89.0 zł 348

$76.6 ₱4,804

16.24%

Men's Leather Business Shoes

$96.2 zł 376

$59.3 ₱3,717

62.32%

1-bedroom Apartment, City Center (Monthly)

$599 zł 2,343

$506 ₱31.7K

18.51%

1-bedroom Apartment, Outside City Center (Monthly)

$456 zł 1,784

$309 ₱19.4K

47.47%

3-bedroom Apartment, City Center (Monthly)

$1,091 zł 4,265

$1,052 ₱66.0K

3.75%

3-bedroom Apartment, Outside City Center (Monthly)

$810 zł 3,167

$619 ₱38.8K

30.88%

Buy Apartment in City Center (m2)

$3,158 zł 12.3K

$2,915 ₱182.9K

8.32%

Buy Apartment Outside City Center (m2)

$2,374 zł 9,278

$1,867 ₱117.1K

27.12%

Average Monthly Net Salary (After Tax)

$1,605 zł 6,275

$341 ₱21.4K

370.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

7.2

-4.58%

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

Last update for Lodz: October 6, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Lodz

$456 31.2%

Cebu

$309 33.5% 32.2% $147

Monthly Utilities & Internet

Lodz

$335 22.9%

Cebu

$163 17.7% 51.2% $171

Groceries & Markets

Lodz

$222 15.2%

Cebu

$210 22.7% 5.3% $12

Eating Out

Lodz

$202 13.8%

Cebu

$88 9.6% 56.3% $114

Clothing & Footwear

Lodz

$135 9.2%

Cebu

$95 10.2% 30% $41

Getting Around

Lodz

$60 4.1%

Cebu

$15 1.7% 74.2% $44

Sport & Entertainment

Lodz

$52 3.6%

Cebu

$44 4.7% 16.5% $8.6

Cost Breakdown

A one-bedroom apartment in the center runs $599 in Lodz and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Lodz pays 371% 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: $47.00 in Lodz vs $23.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $222 vs $210 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Lodz

🇵🇭 Cebu

🕒 Local time

08:16 8:16 AM

14:16 2:16 PM

6 h ahead of Lodz

🌤 Weather

👥 Population

711,332

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 = 3.91 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 = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

USD to PLN in detail →

On the map

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Between locations

Lodz Cebu 10,080 km ≈ 13 h nonstop flight

From you

Lodz
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

Lodz vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 57% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 371% higher in Lodz, 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: $599 in Lodz versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,469 per month in Lodz versus $934 in Cebu – a 57% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 301% less than in Lodz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,469 in Lodz, a $1,500 budget is realistic in Cebu but tight or insufficient in Lodz. 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 Lodz, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Lodz 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 57% less than in Lodz. Beyond cost, consider language, visa policies, and how big the international community is in each city.