Last update: Oct 2026

Cost of Living Comparison Between Lomza and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,483 in Lomza, rent and utilities included – about $6,800 less a year. Rent and utilities account for most of the difference.

73

Cost of Living Index in Lomza
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Lomza Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Lomza

🇵🇱 Poland

$1,483

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,483 in Lomza versus $918 in Cebu.

Lomza $1,483
Cebu $918

Estimated couple costs with rent: $2,144 in Lomza versus $1,409 in Cebu.

Lomza $2,144
Cebu $1,409

Monthly costs for a family of three with rent: $2,805 in Lomza versus $1,900 in Cebu.

Lomza $2,805
Cebu $1,900

Living in Lomza is roughly 62% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Lomza is 10% above, Cebu is 32% below.

Meal at Budget Restaurant

$9.52 zł 37.00

$3.09 ₱194

208.09%

Three-Course Dinner for Two, Mid-Range

$46.51 zł 181

$24.22 ₱1,525

92.03%

Fast Food Meal (McDonalds, etc)

$9.00 zł 34.98

$3.92 ₱247

129.59%

Cappuccino

$3.66 zł 14.22

$2.51 ₱158

45.82%

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

$2.64 zł 10.25

$1.59 ₱100

66.04%

Water (0.33 liter bottle)

$2.76 zł 10.73

$0.53 ₱33.43

420.75%

Local Beer (0.5 liter draught)

$4.71 zł 18.28

$1.78 ₱112

164.61%

Imported Beer (0.33 liter bottle)

$5.05 zł 19.61

$2.17 ₱137

132.72%

Milk (1 liter)

$1.03 zł 3.98

$1.92 ₱121

-46.35%

White Bread (500g)

$1.07 zł 4.15

$1.36 ₱85.4

-21.32%

Rice (white) (1kg)

$1.39 zł 5.39

$1.01 ₱63.5

37.62%

Eggs

$3.42 zł 13.29

$2.03 ₱128

68.47%

Local Cheese (1kg)

$10.65 zł 41.39

$9.86 ₱621

8.01%

Chicken Fillets (1kg)

$6.81 zł 26.44

$4.39 ₱277

55.13%

Beef Round Steak (1kg)

$11.64 zł 45.24

$7.60 ₱479

53.16%

Apples (1kg)

$1.18 zł 4.60

$3.30 ₱208

-64.24%

Banana (1kg)

$1.61 zł 6.27

$1.39 ₱87.8

15.83%

Oranges (1kg)

$2.36 zł 9.15

$2.33 ₱147

1.29%

Tomato (1kg)

$3.00 zł 11.66

$1.50 ₱94.3

100.00%

Potato (1kg)

$0.79 zł 3.06

$2.36 ₱149

-66.53%

Onion (1kg)

$0.88 zł 3.42

$1.90 ₱119

-53.68%

Lettuce (1 head)

$1.38 zł 5.34

$1.19 ₱74.9

15.97%

Water (1.5 liter bottle)

$0.59 zł 2.28

$0.63 ₱39.71

-6.35%

Cigarettes 20 Pack (Marlboro, Camel)

$5.82 zł 22.63

$3.00 ₱189

94.00%

Wine (Bottle)

$6.66 zł 25.88

$6.03 ₱379

10.45%

Local Beer (0.5 liter bottle)

$1.10 zł 4.29

$1.23 ₱77.7

-10.57%

Imported Beer (0.33 liter bottle)

$1.68 zł 6.51

$1.75 ₱110

-4.00%

One-way Ticket (Public Transport)

$1.12 zł 4.34

$0.25 ₱15.86

348.00%

Public Transport Monthly Pass (Regular Price)

$29.42 zł 114

$12.64 ₱796

132.75%

Taxi Start (Normal Tariff)

$1.59 zł 6.17

$0.77 ₱48.62

106.49%

Taxi (Normal Tariff) (1km)

$0.59 zł 2.28

$0.23 ₱14.53

156.52%

Taxi 1hour Waiting (Normal Tariff)

$9.37 zł 36.39

$4.46 ₱281

110.09%

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)

$30.1K zł 116.8K

$21.2K ₱1.3M

41.56%

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

$26.9K zł 104.6K

$19.1K ₱1.2M

40.64%

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

$316 zł 1,227

$120 ₱7,569

162.78%

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

$8.65 zł 33.59

$14.00 ₱882

-38.21%

Internet (50+ Mbps, Unlimited Data)

$17.11 zł 66.5

$27.54 ₱1,734

-37.87%

Gym Membership (Monthly)

$32.54 zł 126

$32.33 ₱2,035

0.65%

Tennis Court (1 Hour on Weekend)

$23.27 zł 90.4

$6.65 ₱419

249.92%

Cinema Ticket

$8.12 zł 31.54

$5.65 ₱356

43.72%

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

$509 zł 1,978

$275 ₱17.3K

84.96%

International Primary School, 1 Child (Yearly)

$10.3K zł 40.1K

$7,918 ₱498.5K

30.32%

Jeans (Levis 501 Or Similar)

$74.7 zł 290

$49.33 ₱3,106

51.49%

Summer Dress (H&M, Zara, etc)

$40.74 zł 158

$25.24 ₱1,589

61.41%

Sport Shoes (Adidas, Nike)

$90.1 zł 350

$77.0 ₱4,846

17.06%

Men's Leather Business Shoes

$95.7 zł 372

$57.2 ₱3,601

67.27%

1-bedroom Apartment, City Center (Monthly)

$608 zł 2,363

$500 ₱31.5K

21.77%

1-bedroom Apartment, Outside City Center (Monthly)

$496 zł 1,927

$309 ₱19.4K

60.61%

3-bedroom Apartment, City Center (Monthly)

$969 zł 3,766

$1,078 ₱67.9K

-10.07%

3-bedroom Apartment, Outside City Center (Monthly)

$809 zł 3,142

$615 ₱38.7K

31.45%

Buy Apartment in City Center (m2)

$2,957 zł 11.5K

$2,886 ₱181.7K

2.45%

Buy Apartment Outside City Center (m2)

$2,539 zł 9,864

$1,917 ₱120.7K

32.46%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

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 Lomza: 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

Lomza

$496 33.5%

Cebu

$309 33.6% 37.7% $187

Monthly Utilities & Internet

Lomza

$342 23%

Cebu

$162 17.6% 52.7% $180

Groceries & Markets

Lomza

$220 14.8%

Cebu

$206 22.4% 6.4% $14

Eating Out

Lomza

$202 13.7%

Cebu

$88 9.6% 56.4% $114

Clothing & Footwear

Lomza

$136 9.1%

Cebu

$94 10.2% 30.7% $42

Sport & Entertainment

Lomza

$49 3.3%

Cebu

$44 4.8% 10.6% $5.2

Getting Around

Lomza

$38 2.6%

Cebu

$16 1.7% 59.5% $23

Cost Breakdown

A one-bedroom apartment in the center runs $608 in Lomza and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $47.00 in Lomza vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $220 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Lomza

🇵🇭 Cebu

🕒 Local time

03:10 3:10 AM

09:10 9:10 AM

6 h ahead of Lomza

🌤 Weather

👥 Population

62,711

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

Lomza Cebu 9,870 km ≈ 13 h nonstop flight

From you

Lomza
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

Lomza vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 62% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,224 in Lomza and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $608 in Lomza versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,483 per month in Lomza versus $918 in Cebu – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 133% less than in Lomza. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,483 in Lomza, a $1,500 budget is realistic in Cebu but tight or insufficient in Lomza. 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 Lomza, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Lomza 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 62% less than in Lomza. Beyond cost, consider language, visa policies, and how big the international community is in each city.