Last update: Oct 2026

Cost of Living Comparison Between Rybnik and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,397 in Rybnik, rent and utilities included – about $5,700 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Rybnik
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Rybnik Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Rybnik

🇵🇱 Poland

$1,397

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,397 in Rybnik versus $918 in Cebu.

Rybnik $1,397
Cebu $918

Estimated couple costs with rent: $2,047 in Rybnik versus $1,409 in Cebu.

Rybnik $2,047
Cebu $1,409

Monthly costs for a family of three with rent: $2,697 in Rybnik versus $1,900 in Cebu.

Rybnik $2,697
Cebu $1,900

Living in Rybnik is roughly 52% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Rybnik is 3% above, Cebu is 32% below.

Meal at Budget Restaurant

$10.06 zł 39.10

$3.09 ₱194

225.57%

Three-Course Dinner for Two, Mid-Range

$45.99 zł 179

$24.22 ₱1,525

89.88%

Fast Food Meal (McDonalds, etc)

$8.84 zł 34.33

$3.92 ₱247

125.51%

Cappuccino

$3.29 zł 12.79

$2.51 ₱158

31.08%

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

$1.87 zł 7.25

$1.59 ₱100

17.61%

Water (0.33 liter bottle)

$1.96 zł 7.61

$0.53 ₱33.43

269.81%

Local Beer (0.5 liter draught)

$3.85 zł 14.95

$1.78 ₱112

116.29%

Imported Beer (0.33 liter bottle)

$4.06 zł 15.76

$2.17 ₱137

87.10%

Milk (1 liter)

$1.14 zł 4.43

$1.92 ₱121

-40.63%

White Bread (500g)

$2.04 zł 7.93

$1.36 ₱85.4

50.00%

Rice (white) (1kg)

$2.10 zł 8.14

$1.01 ₱63.5

107.92%

Eggs

$3.99 zł 15.51

$2.03 ₱128

96.55%

Local Cheese (1kg)

$8.31 zł 32.29

$9.86 ₱621

-15.72%

Chicken Fillets (1kg)

$8.25 zł 32.06

$4.39 ₱277

87.93%

Beef Round Steak (1kg)

$15.09 zł 58.6

$7.60 ₱479

98.55%

Apples (1kg)

$1.26 zł 4.89

$3.30 ₱208

-61.82%

Banana (1kg)

$1.81 zł 7.04

$1.39 ₱87.8

30.22%

Oranges (1kg)

$1.73 zł 6.73

$2.33 ₱147

-25.75%

Tomato (1kg)

$3.88 zł 15.07

$1.50 ₱94.3

158.67%

Potato (1kg)

$1.00 zł 3.87

$2.36 ₱149

-57.63%

Onion (1kg)

$1.01 zł 3.91

$1.90 ₱119

-46.84%

Lettuce (1 head)

$1.54 zł 5.99

$1.19 ₱74.9

29.41%

Water (1.5 liter bottle)

$0.77 zł 3.01

$0.63 ₱39.71

22.22%

Cigarettes 20 Pack (Marlboro, Camel)

$6.50 zł 25.24

$3.00 ₱189

116.67%

Wine (Bottle)

$6.34 zł 24.65

$6.03 ₱379

5.14%

Local Beer (0.5 liter bottle)

$1.13 zł 4.37

$1.23 ₱77.7

-8.13%

Imported Beer (0.33 liter bottle)

$1.42 zł 5.52

$1.75 ₱110

-18.86%

One-way Ticket (Public Transport)

$1.28 zł 4.99

$0.25 ₱15.86

412.00%

Public Transport Monthly Pass (Regular Price)

$21.56 zł 83.8

$12.64 ₱796

70.57%

Taxi Start (Normal Tariff)

$2.23 zł 8.68

$0.77 ₱48.62

189.61%

Taxi (Normal Tariff) (1km)

$0.90 zł 3.51

$0.23 ₱14.53

291.30%

Taxi 1hour Waiting (Normal Tariff)

$12.69 zł 49.32

$4.46 ₱281

184.53%

Gasoline (1 liter)

$1.67 zł 6.48

$1.31 ₱82.8

27.48%

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

$31.1K zł 120.8K

$21.2K ₱1.3M

46.38%

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

$29.8K zł 115.9K

$19.1K ₱1.2M

55.82%

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

$241 zł 936

$120 ₱7,569

100.37%

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

$9.53 zł 37.02

$14.00 ₱882

-31.93%

Internet (50+ Mbps, Unlimited Data)

$20.18 zł 78.4

$27.54 ₱1,734

-26.72%

Gym Membership (Monthly)

$39.63 zł 154

$32.33 ₱2,035

22.58%

Tennis Court (1 Hour on Weekend)

$16.29 zł 63.3

$6.65 ₱419

144.96%

Cinema Ticket

$5.58 zł 21.69

$5.65 ₱356

-1.24%

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

$575 zł 2,235

$275 ₱17.3K

108.98%

International Primary School, 1 Child (Yearly)

$14.4K zł 55.8K

$7,918 ₱498.5K

81.28%

Jeans (Levis 501 Or Similar)

$93.6 zł 363

$49.33 ₱3,106

89.64%

Summer Dress (H&M, Zara, etc)

$42.27 zł 164

$25.24 ₱1,589

67.47%

Sport Shoes (Adidas, Nike)

$79.4 zł 309

$77.0 ₱4,846

3.18%

Men's Leather Business Shoes

$114 zł 443

$57.2 ₱3,601

99.18%

1-bedroom Apartment, City Center (Monthly)

$541 zł 2,101

$500 ₱31.5K

8.26%

1-bedroom Apartment, Outside City Center (Monthly)

$452 zł 1,757

$309 ₱19.4K

46.45%

3-bedroom Apartment, City Center (Monthly)

$850 zł 3,303

$1,078 ₱67.9K

-21.13%

3-bedroom Apartment, Outside City Center (Monthly)

$700 zł 2,719

$615 ₱38.7K

13.73%

Buy Apartment in City Center (m2)

$1,729 zł 6,717

$2,886 ₱181.7K

-40.09%

Buy Apartment Outside City Center (m2)

$1,481 zł 5,754

$1,917 ₱120.7K

-22.72%

Average Monthly Net Salary (After Tax)

$1,314 zł 5,107

$346 ₱21.8K

279.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

7.2

-7.36%

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

Last update for Rybnik: 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

Rybnik

$452 32.4%

Cebu

$309 33.6% 31.7% $143

Monthly Utilities & Internet

Rybnik

$271 19.4%

Cebu

$162 17.6% 40.2% $109

Groceries & Markets

Rybnik

$253 18.1%

Cebu

$206 22.4% 18.5% $47

Eating Out

Rybnik

$189 13.5%

Cebu

$88 9.6% 53.3% $101

Clothing & Footwear

Rybnik

$148 10.6%

Cebu

$94 10.2% 36.6% $54

Sport & Entertainment

Rybnik

$51 3.6%

Cebu

$44 4.8% 14.1% $7.2

Getting Around

Rybnik

$33 2.4%

Cebu

$16 1.7% 53.5% $18

Cost Breakdown

A one-bedroom apartment in the center runs $541 in Rybnik and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Rybnik pays 280% 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: $46.00 in Rybnik vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $253 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Rybnik

🇵🇭 Cebu

🕒 Local time

02:59 2:59 AM

08:59 8:59 AM

6 h ahead of Rybnik

🌤 Weather

👥 Population

142,510

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 19, 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 19, 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

Rybnik Cebu 10,200 km ≈ 13 h nonstop flight

From you

Rybnik
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

Rybnik vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 52% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 280% higher in Rybnik, 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: $541 in Rybnik versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,397 per month in Rybnik versus $918 in Cebu – a 52% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 71% less than in Rybnik. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,397 in Rybnik, a $1,500 budget is realistic in Cebu but tight or insufficient in Rybnik. 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 Rybnik, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Rybnik 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 52% less than in Rybnik. Beyond cost, consider language, visa policies, and how big the international community is in each city.