Last update: Oct 2026

Cost of Living Comparison Between Olsztyn and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,816 in Olsztyn, rent and utilities included – about $10,800 less a year. Rent and utilities account for most of the difference.

89

Cost of Living Index in Olsztyn
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Olsztyn Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Olsztyn

🇵🇱 Poland

$1,816

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,816 in Olsztyn versus $918 in Cebu.

Olsztyn $1,816
Cebu $918

Estimated couple costs with rent: $2,678 in Olsztyn versus $1,409 in Cebu.

Olsztyn $2,678
Cebu $1,409

Monthly costs for a family of three with rent: $3,540 in Olsztyn versus $1,900 in Cebu.

Olsztyn $3,540
Cebu $1,900

Living in Olsztyn is roughly 98% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Olsztyn is 34% above, Cebu is 32% below.

Meal at Budget Restaurant

$12.84 zł 49.88

$3.09 ₱194

315.53%

Three-Course Dinner for Two, Mid-Range

$50.4 zł 196

$24.22 ₱1,525

108.13%

Fast Food Meal (McDonalds, etc)

$8.92 zł 34.67

$3.92 ₱247

127.55%

Cappuccino

$3.31 zł 12.85

$2.51 ₱158

31.87%

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

$2.51 zł 9.75

$1.59 ₱100

57.86%

Water (0.33 liter bottle)

$1.87 zł 7.26

$0.53 ₱33.43

252.83%

Local Beer (0.5 liter draught)

$2.98 zł 11.59

$1.78 ₱112

67.42%

Imported Beer (0.33 liter bottle)

$3.91 zł 15.18

$2.17 ₱137

80.18%

Milk (1 liter)

$1.05 zł 4.09

$1.92 ₱121

-45.31%

White Bread (500g)

$1.26 zł 4.90

$1.36 ₱85.4

-7.35%

Rice (white) (1kg)

$1.42 zł 5.52

$1.01 ₱63.5

40.59%

Eggs

$3.85 zł 14.95

$2.03 ₱128

89.66%

Local Cheese (1kg)

$9.72 zł 37.77

$9.86 ₱621

-1.42%

Chicken Fillets (1kg)

$7.34 zł 28.51

$4.39 ₱277

67.20%

Beef Round Steak (1kg)

$15.04 zł 58.5

$7.60 ₱479

97.89%

Apples (1kg)

$1.23 zł 4.77

$3.30 ₱208

-62.73%

Banana (1kg)

$1.61 zł 6.25

$1.39 ₱87.8

15.83%

Oranges (1kg)

$1.80 zł 6.99

$2.33 ₱147

-22.75%

Tomato (1kg)

$3.43 zł 13.32

$1.50 ₱94.3

128.67%

Potato (1kg)

$0.97 zł 3.78

$2.36 ₱149

-58.90%

Onion (1kg)

$1.17 zł 4.54

$1.90 ₱119

-38.42%

Lettuce (1 head)

$1.37 zł 5.32

$1.19 ₱74.9

15.13%

Water (1.5 liter bottle)

$0.68 zł 2.64

$0.63 ₱39.71

7.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.49 zł 21.32

$3.00 ₱189

83.00%

Wine (Bottle)

$7.42 zł 28.84

$6.03 ₱379

23.05%

Local Beer (0.5 liter bottle)

$1.13 zł 4.39

$1.23 ₱77.7

-8.13%

Imported Beer (0.33 liter bottle)

$1.54 zł 6.00

$1.75 ₱110

-12.00%

One-way Ticket (Public Transport)

$1.05 zł 4.07

$0.25 ₱15.86

320.00%

Public Transport Monthly Pass (Regular Price)

$25.79 zł 100

$12.64 ₱796

104.03%

Taxi Start (Normal Tariff)

$2.08 zł 8.09

$0.77 ₱48.62

170.13%

Taxi (Normal Tariff) (1km)

$0.74 zł 2.88

$0.23 ₱14.53

221.74%

Taxi 1hour Waiting (Normal Tariff)

$10.21 zł 39.67

$4.46 ₱281

128.92%

Gasoline (1 liter)

$1.66 zł 6.43

$1.31 ₱82.8

26.72%

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

$31.4K zł 121.9K

$21.2K ₱1.3M

47.67%

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

$29.5K zł 114.4K

$19.1K ₱1.2M

53.82%

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

$329 zł 1,277

$120 ₱7,569

173.37%

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

$10.17 zł 39.53

$14.00 ₱882

-27.36%

Internet (50+ Mbps, Unlimited Data)

$19.00 zł 73.8

$27.54 ₱1,734

-31.01%

Gym Membership (Monthly)

$50.7 zł 197

$32.33 ₱2,035

56.70%

Tennis Court (1 Hour on Weekend)

$22.47 zł 87.3

$6.65 ₱419

237.89%

Cinema Ticket

$9.12 zł 35.42

$5.65 ₱356

61.42%

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

$378 zł 1,467

$275 ₱17.3K

37.13%

International Primary School, 1 Child (Yearly)

$13.7K zł 53.4K

$7,918 ₱498.5K

73.62%

Jeans (Levis 501 Or Similar)

$103 zł 399

$49.33 ₱3,106

108.15%

Summer Dress (H&M, Zara, etc)

$48.59 zł 189

$25.24 ₱1,589

92.51%

Sport Shoes (Adidas, Nike)

$103 zł 402

$77.0 ₱4,846

34.43%

Men's Leather Business Shoes

$105 zł 406

$57.2 ₱3,601

82.80%

1-bedroom Apartment, City Center (Monthly)

$1,004 zł 3,900

$500 ₱31.5K

100.96%

1-bedroom Apartment, Outside City Center (Monthly)

$744 zł 2,892

$309 ₱19.4K

141.01%

3-bedroom Apartment, City Center (Monthly)

$1,685 zł 6,546

$1,078 ₱67.9K

56.31%

3-bedroom Apartment, Outside City Center (Monthly)

$1,344 zł 5,221

$615 ₱38.7K

118.45%

Buy Apartment in City Center (m2)

$3,690 zł 14.3K

$2,886 ₱181.7K

27.84%

Buy Apartment Outside City Center (m2)

$2,548 zł 9,898

$1,917 ₱120.7K

32.93%

Average Monthly Net Salary (After Tax)

$1,374 zł 5,338

$346 ₱21.8K

297.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.52

7.2

4.44%

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

Last update for Olsztyn: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Olsztyn

$744 41%

Cebu

$309 33.6% 58.5% $435

Monthly Utilities & Internet

Olsztyn

$358 19.7%

Cebu

$162 17.6% 54.8% $196

Groceries & Markets

Olsztyn

$238 13.1%

Cebu

$206 22.4% 13.4% $32

Eating Out

Olsztyn

$209 11.5%

Cebu

$88 9.6% 57.9% $121

Clothing & Footwear

Olsztyn

$162 8.9%

Cebu

$94 10.2% 41.9% $68

Sport & Entertainment

Olsztyn

$69 3.8%

Cebu

$44 4.8% 36.7% $25

Getting Around

Olsztyn

$36 2%

Cebu

$16 1.7% 56.5% $20

Cost Breakdown

A one-bedroom apartment in the center runs $1,004 in Olsztyn and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Olsztyn pays 297% 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 Olsztyn vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $238 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Olsztyn

🇵🇭 Cebu

🕒 Local time

20:54 8:54 PM

02:54 2:54 AM

6 h ahead of Olsztyn

🌤 Weather

👥 Population

174,675

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 17, 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 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Olsztyn Cebu 9,950 km ≈ 13 h nonstop flight

From you

Olsztyn
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

Olsztyn vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 98% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 297% higher in Olsztyn, 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: $1,004 in Olsztyn versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,816 per month in Olsztyn versus $918 in Cebu – a 98% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 104% less than in Olsztyn. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,816 in Olsztyn, a $1,500 budget is realistic in Cebu but tight or insufficient in Olsztyn. 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 Olsztyn, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Olsztyn 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 98% less than in Olsztyn. Beyond cost, consider language, visa policies, and how big the international community is in each city.