Last update: Oct 2026

Cost of Living Comparison Between Lublin and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,455 in Lublin, rent and utilities included – about $6,300 less a year. Rent and utilities account for most of the difference.

71

Cost of Living Index in Lublin
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Lublin Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Lublin

🇵🇱 Poland

$1,455

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,455 in Lublin versus $934 in Cebu.

Lublin $1,455
Cebu $934

Estimated couple costs with rent: $2,045 in Lublin versus $1,415 in Cebu.

Lublin $2,045
Cebu $1,415

Monthly costs for a family of three with rent: $2,634 in Lublin versus $1,896 in Cebu.

Lublin $2,634
Cebu $1,896

Living in Lublin is roughly 56% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Lublin is 9% above, Cebu is 30% below.

Meal at Budget Restaurant

$9.09 zł 35.54

$3.03 ₱190

200.00%

Three-Course Dinner for Two, Mid-Range

$39.05 zł 153

$23.48 ₱1,473

66.31%

Fast Food Meal (McDonalds, etc)

$7.88 zł 30.80

$4.09 ₱256

92.67%

Cappuccino

$2.99 zł 11.70

$2.52 ₱158

18.65%

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

$1.95 zł 7.64

$1.54 ₱96.9

26.62%

Water (0.33 liter bottle)

$1.53 zł 5.98

$0.49 ₱30.98

212.24%

Local Beer (0.5 liter draught)

$2.72 zł 10.62

$1.79 ₱112

51.96%

Imported Beer (0.33 liter bottle)

$3.25 zł 12.70

$2.26 ₱142

43.81%

Milk (1 liter)

$0.99 zł 3.86

$1.95 ₱122

-49.23%

White Bread (500g)

$1.31 zł 5.14

$1.43 ₱89.7

-8.39%

Rice (white) (1kg)

$1.54 zł 6.01

$1.02 ₱63.8

50.98%

Eggs

$3.43 zł 13.39

$2.06 ₱129

66.50%

Local Cheese (1kg)

$8.82 zł 34.48

$9.81 ₱615

-10.09%

Chicken Fillets (1kg)

$6.27 zł 24.51

$4.61 ₱289

36.01%

Beef Round Steak (1kg)

$11.03 zł 43.11

$7.70 ₱483

43.25%

Apples (1kg)

$1.16 zł 4.54

$3.31 ₱207

-64.95%

Banana (1kg)

$1.72 zł 6.71

$1.45 ₱90.9

18.62%

Oranges (1kg)

$1.76 zł 6.88

$2.36 ₱148

-25.42%

Tomato (1kg)

$2.51 zł 9.81

$1.54 ₱96.4

62.99%

Potato (1kg)

$0.86 zł 3.36

$2.36 ₱148

-63.56%

Onion (1kg)

$1.05 zł 4.10

$1.99 ₱125

-47.24%

Lettuce (1 head)

$1.40 zł 5.49

$1.15 ₱72.1

21.74%

Water (1.5 liter bottle)

$0.68 zł 2.66

$0.67 ₱42.15

1.49%

Cigarettes 20 Pack (Marlboro, Camel)

$5.68 zł 22.19

$3.00 ₱188

89.33%

Wine (Bottle)

$6.53 zł 25.52

$6.35 ₱398

2.83%

Local Beer (0.5 liter bottle)

$1.10 zł 4.32

$1.31 ₱81.9

-16.03%

Imported Beer (0.33 liter bottle)

$1.70 zł 6.64

$1.73 ₱108

-1.73%

One-way Ticket (Public Transport)

$0.92 zł 3.61

$0.25 ₱15.78

268.00%

Public Transport Monthly Pass (Regular Price)

$31.12 zł 122

$12.65 ₱793

146.01%

Taxi Start (Normal Tariff)

$2.03 zł 7.94

$0.74 ₱46.32

174.32%

Taxi (Normal Tariff) (1km)

$0.79 zł 3.10

$0.21 ₱13.11

276.19%

Taxi 1hour Waiting (Normal Tariff)

$10.28 zł 40.17

$4.33 ₱271

137.41%

Gasoline (1 liter)

$1.61 zł 6.28

$1.33 ₱83.5

21.05%

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

$30.6K zł 119.8K

$21.8K ₱1.4M

40.78%

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

$26.8K zł 104.9K

$19.4K ₱1.2M

38.41%

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

$297 zł 1,161

$121 ₱7,563

146.40%

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

$9.81 zł 38.36

$14.45 ₱907

-32.11%

Internet (50+ Mbps, Unlimited Data)

$17.90 zł 70.0

$28.29 ₱1,774

-36.73%

Gym Membership (Monthly)

$31.33 zł 122

$32.68 ₱2,050

-4.13%

Tennis Court (1 Hour on Weekend)

$23.65 zł 92.4

$6.39 ₱401

270.11%

Cinema Ticket

$8.15 zł 31.86

$5.46 ₱342

49.27%

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

$510 zł 1,994

$273 ₱17.1K

86.58%

International Primary School, 1 Child (Yearly)

$5,257 zł 20.5K

$8,156 ₱511.5K

-35.55%

Jeans (Levis 501 Or Similar)

$82.9 zł 324

$49.57 ₱3,109

67.20%

Summer Dress (H&M, Zara, etc)

$41.35 zł 162

$24.87 ₱1,560

66.26%

Sport Shoes (Adidas, Nike)

$91.3 zł 357

$76.6 ₱4,804

19.26%

Men's Leather Business Shoes

$103 zł 403

$59.3 ₱3,717

74.11%

1-bedroom Apartment, City Center (Monthly)

$706 zł 2,761

$506 ₱31.7K

39.70%

1-bedroom Apartment, Outside City Center (Monthly)

$541 zł 2,113

$309 ₱19.4K

74.74%

3-bedroom Apartment, City Center (Monthly)

$831 zł 3,248

$1,052 ₱66.0K

-20.98%

3-bedroom Apartment, Outside City Center (Monthly)

$769 zł 3,007

$619 ₱38.8K

24.26%

Buy Apartment in City Center (m2)

$3,577 zł 14.0K

$2,915 ₱182.9K

22.69%

Buy Apartment Outside City Center (m2)

$2,291 zł 8,957

$1,867 ₱117.1K

22.72%

Average Monthly Net Salary (After Tax)

$1,458 zł 5,697

$341 ₱21.4K

327.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.02

7.2

-2.50%

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

Last update for Lublin: October 5, 2026

Last update for Cebu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Lublin

$541 36.7%

Cebu

$309 33.5% 42.8% $231

Monthly Utilities & Internet

Lublin

$325 22%

Cebu

$163 17.7% 49.7% $162

Groceries & Markets

Lublin

$210 14.2%

Cebu

$210 22.7% 0.2% $0.5

Eating Out

Lublin

$166 11.3%

Cebu

$88 9.6% 46.9% $78

Clothing & Footwear

Lublin

$143 9.7%

Cebu

$95 10.2% 34% $49

Sport & Entertainment

Lublin

$48 3.2%

Cebu

$44 4.7% 8.5% $4

Getting Around

Lublin

$41 2.8%

Cebu

$15 1.7% 62.2% $25

Cost Breakdown

A one-bedroom apartment in the center runs $706 in Lublin and $506 in Cebu. Housing cost is often the main lever when comparing two cities.

Lublin pays 327% 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: $39.00 in Lublin vs $23.00 in Cebu. Groceries flip the comparison at $210 vs $210, with Lublin cheaper for home cooking.

Good to know

🇵🇱 Lublin

🇵🇭 Cebu

🕒 Local time

05:08 5:08 AM

11:08 11:08 AM

6 h ahead of Lublin

🌤 Weather

👥 Population

337,788

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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Highest

Between locations

Lublin Cebu 9,890 km ≈ 13 h nonstop flight

From you

Lublin
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

Lublin vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 56% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 327% higher in Lublin, 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: $706 in Lublin versus $506 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,455 per month in Lublin versus $934 in Cebu – a 56% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 146% less than in Lublin. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $934 in Cebu versus $1,455 in Lublin, a $1,500 budget is realistic in Cebu but tight or insufficient in Lublin. 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 Lublin, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Lublin 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 56% less than in Lublin. Beyond cost, consider language, visa policies, and how big the international community is in each city.