Last update: Oct 2026

Cost of Living Comparison Between Rumia and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,450 in Rumia, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

70

Cost of Living Index in Rumia
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Rumia Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Rumia

🇵🇱 Poland

$1,450

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,450 in Rumia versus $918 in Cebu.

Rumia $1,450
Cebu $918

Estimated couple costs with rent: $2,065 in Rumia versus $1,409 in Cebu.

Rumia $2,065
Cebu $1,409

Monthly costs for a family of three with rent: $2,680 in Rumia versus $1,900 in Cebu.

Rumia $2,680
Cebu $1,900

Living in Rumia is roughly 58% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Rumia is 7% above, Cebu is 32% below.

Meal at Budget Restaurant

$10.06 zł 39.07

$3.09 ₱194

225.57%

Three-Course Dinner for Two, Mid-Range

$30.48 zł 118

$24.22 ₱1,525

25.85%

Fast Food Meal (McDonalds, etc)

$6.63 zł 25.77

$3.92 ₱247

69.13%

Cappuccino

$3.72 zł 14.46

$2.51 ₱158

48.21%

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

$2.16 zł 8.40

$1.59 ₱100

35.85%

Water (0.33 liter bottle)

$1.62 zł 6.31

$0.53 ₱33.43

205.66%

Local Beer (0.5 liter draught)

$3.48 zł 13.52

$1.78 ₱112

95.51%

Imported Beer (0.33 liter bottle)

$3.91 zł 15.18

$2.17 ₱137

80.18%

Milk (1 liter)

$0.94 zł 3.66

$1.92 ₱121

-51.04%

White Bread (500g)

$1.21 zł 4.72

$1.36 ₱85.4

-11.03%

Rice (white) (1kg)

$1.40 zł 5.45

$1.01 ₱63.5

38.61%

Eggs

$3.57 zł 13.88

$2.03 ₱128

75.86%

Local Cheese (1kg)

$8.73 zł 33.91

$9.86 ₱621

-11.46%

Chicken Fillets (1kg)

$6.25 zł 24.29

$4.39 ₱277

42.37%

Beef Round Steak (1kg)

$11.74 zł 45.60

$7.60 ₱479

54.47%

Apples (1kg)

$1.12 zł 4.35

$3.30 ₱208

-66.06%

Banana (1kg)

$1.65 zł 6.41

$1.39 ₱87.8

18.71%

Oranges (1kg)

$1.58 zł 6.14

$2.33 ₱147

-32.19%

Tomato (1kg)

$2.72 zł 10.58

$1.50 ₱94.3

81.33%

Potato (1kg)

$0.88 zł 3.41

$2.36 ₱149

-62.71%

Onion (1kg)

$0.99 zł 3.84

$1.90 ₱119

-47.89%

Lettuce (1 head)

$1.25 zł 4.87

$1.19 ₱74.9

5.04%

Water (1.5 liter bottle)

$1.01 zł 3.92

$0.63 ₱39.71

60.32%

Cigarettes 20 Pack (Marlboro, Camel)

$5.38 zł 20.92

$3.00 ₱189

79.33%

Wine (Bottle)

$6.70 zł 26.02

$6.03 ₱379

11.11%

Local Beer (0.5 liter bottle)

$1.08 zł 4.22

$1.23 ₱77.7

-12.20%

Imported Beer (0.33 liter bottle)

$1.57 zł 6.11

$1.75 ₱110

-10.29%

One-way Ticket (Public Transport)

$1.28 zł 4.96

$0.25 ₱15.86

412.00%

Public Transport Monthly Pass (Regular Price)

$31.33 zł 122

$12.64 ₱796

147.86%

Taxi Start (Normal Tariff)

$2.00 zł 7.76

$0.77 ₱48.62

159.74%

Taxi (Normal Tariff) (1km)

$0.73 zł 2.85

$0.23 ₱14.53

217.39%

Taxi 1hour Waiting (Normal Tariff)

$9.63 zł 37.43

$4.46 ₱281

115.92%

Gasoline (1 liter)

$1.69 zł 6.57

$1.31 ₱82.8

29.01%

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

$30.2K zł 117.3K

$21.2K ₱1.3M

42.13%

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

$26.6K zł 103.4K

$19.1K ₱1.2M

38.99%

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

$278 zł 1,081

$120 ₱7,569

131.47%

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

$8.51 zł 33.06

$14.00 ₱882

-39.21%

Internet (50+ Mbps, Unlimited Data)

$17.01 zł 66.1

$27.54 ₱1,734

-38.24%

Gym Membership (Monthly)

$38.18 zł 148

$32.33 ₱2,035

18.09%

Tennis Court (1 Hour on Weekend)

$21.71 zł 84.4

$6.65 ₱419

226.47%

Cinema Ticket

$7.21 zł 28.01

$5.65 ₱356

27.61%

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

$369 zł 1,433

$275 ₱17.3K

33.95%

International Primary School, 1 Child (Yearly)

$7,850 zł 30.5K

$7,918 ₱498.5K

-0.86%

Jeans (Levis 501 Or Similar)

$81.2 zł 316

$49.33 ₱3,106

64.67%

Summer Dress (H&M, Zara, etc)

$40.32 zł 157

$25.24 ₱1,589

59.75%

Sport Shoes (Adidas, Nike)

$87.1 zł 338

$77.0 ₱4,846

13.15%

Men's Leather Business Shoes

$99.1 zł 385

$57.2 ₱3,601

73.29%

1-bedroom Apartment, City Center (Monthly)

$612 zł 2,377

$500 ₱31.5K

22.50%

1-bedroom Apartment, Outside City Center (Monthly)

$514 zł 1,998

$309 ₱19.4K

66.51%

3-bedroom Apartment, City Center (Monthly)

$978 zł 3,798

$1,078 ₱67.9K

-9.30%

3-bedroom Apartment, Outside City Center (Monthly)

$825 zł 3,204

$615 ₱38.7K

34.06%

Buy Apartment in City Center (m2)

$2,692 zł 10.5K

$2,886 ₱181.7K

-6.74%

Buy Apartment Outside City Center (m2)

$1,985 zł 7,711

$1,917 ₱120.7K

3.55%

Average Monthly Net Salary (After Tax)

$1,483 zł 5,762

$346 ₱21.8K

328.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

7.2

-7.22%

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

Last update for Rumia: 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

Rumia

$514 35.5%

Cebu

$309 33.6% 39.9% $205

Monthly Utilities & Internet

Rumia

$304 21%

Cebu

$162 17.6% 46.8% $142

Groceries & Markets

Rumia

$213 14.7%

Cebu

$206 22.4% 3.5% $7.4

Eating Out

Rumia

$185 12.8%

Cebu

$88 9.6% 52.4% $97

Clothing & Footwear

Rumia

$138 9.6%

Cebu

$94 10.2% 32.2% $45

Sport & Entertainment

Rumia

$53 3.6%

Cebu

$44 4.8% 17.1% $9

Getting Around

Rumia

$42 2.9%

Cebu

$16 1.7% 63% $27

Cost Breakdown

A one-bedroom apartment in the center runs $612 in Rumia and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Rumia pays 329% 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: $30.00 in Rumia vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $213 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Rumia

🇵🇭 Cebu

🕒 Local time

03:09 3:09 AM

09:09 9:09 AM

6 h ahead of Rumia

🌤 Weather

👥 Population

49,672

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

Rumia Cebu 10,050 km ≈ 13 h nonstop flight

From you

Rumia
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

Rumia vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 58% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 329% higher in Rumia, 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: $612 in Rumia versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,450 per month in Rumia versus $918 in Cebu – a 58% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 148% less than in Rumia. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,450 in Rumia, a $1,500 budget is realistic in Cebu but tight or insufficient in Rumia. 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 Rumia, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Rumia 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 58% less than in Rumia. Beyond cost, consider language, visa policies, and how big the international community is in each city.