Last update: Oct 2026

Cost of Living Comparison Between Siedlce and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,379 in Siedlce, rent and utilities included – about $5,500 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Siedlce
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Siedlce Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Siedlce

🇵🇱 Poland

$1,379

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,379 in Siedlce versus $918 in Cebu.

Siedlce $1,379
Cebu $918

Estimated couple costs with rent: $1,999 in Siedlce versus $1,409 in Cebu.

Siedlce $1,999
Cebu $1,409

Monthly costs for a family of three with rent: $2,618 in Siedlce versus $1,900 in Cebu.

Siedlce $2,618
Cebu $1,900

Living in Siedlce is roughly 50% more expensive than in Cebu, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Siedlce is 2% above, Cebu is 32% below.

Meal at Budget Restaurant

$5.12 zł 19.91

$3.09 ₱194

65.70%

Three-Course Dinner for Two, Mid-Range

$43.74 zł 170

$24.22 ₱1,525

80.59%

Fast Food Meal (McDonalds, etc)

$6.48 zł 25.16

$3.92 ₱247

65.31%

Cappuccino

$2.23 zł 8.67

$2.51 ₱158

-11.16%

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

$1.79 zł 6.97

$1.59 ₱100

12.58%

Water (0.33 liter bottle)

$1.36 zł 5.30

$0.53 ₱33.43

156.60%

Local Beer (0.5 liter draught)

$3.47 zł 13.48

$1.78 ₱112

94.94%

Imported Beer (0.33 liter bottle)

$3.50 zł 13.59

$2.17 ₱137

61.29%

Milk (1 liter)

$0.94 zł 3.66

$1.92 ₱121

-51.04%

White Bread (500g)

$1.00 zł 3.90

$1.36 ₱85.4

-26.47%

Rice (white) (1kg)

$1.35 zł 5.24

$1.01 ₱63.5

33.66%

Eggs

$3.14 zł 12.19

$2.03 ₱128

54.68%

Local Cheese (1kg)

$7.44 zł 28.90

$9.86 ₱621

-24.54%

Chicken Fillets (1kg)

$5.06 zł 19.67

$4.39 ₱277

15.26%

Beef Round Steak (1kg)

$11.64 zł 45.22

$7.60 ₱479

53.16%

Apples (1kg)

$0.49 zł 1.90

$3.30 ₱208

-85.15%

Banana (1kg)

$0.72 zł 2.81

$1.39 ₱87.8

-48.20%

Oranges (1kg)

$2.30 zł 8.93

$2.33 ₱147

-1.29%

Tomato (1kg)

$2.84 zł 11.03

$1.50 ₱94.3

89.33%

Potato (1kg)

$0.82 zł 3.19

$2.36 ₱149

-65.25%

Onion (1kg)

$0.86 zł 3.32

$1.90 ₱119

-54.74%

Lettuce (1 head)

$1.34 zł 5.19

$1.19 ₱74.9

12.61%

Water (1.5 liter bottle)

$0.53 zł 2.06

$0.63 ₱39.71

-15.87%

Cigarettes 20 Pack (Marlboro, Camel)

$4.73 zł 18.38

$3.00 ₱189

57.67%

Wine (Bottle)

$4.94 zł 19.19

$6.03 ₱379

-18.08%

Local Beer (0.5 liter bottle)

$1.15 zł 4.48

$1.23 ₱77.7

-6.50%

Imported Beer (0.33 liter bottle)

$1.70 zł 6.60

$1.75 ₱110

-2.86%

One-way Ticket (Public Transport)

$0.99 zł 3.85

$0.25 ₱15.86

296.00%

Public Transport Monthly Pass (Regular Price)

$30.43 zł 118

$12.64 ₱796

140.74%

Taxi Start (Normal Tariff)

$1.56 zł 6.07

$0.77 ₱48.62

102.60%

Taxi (Normal Tariff) (1km)

$0.58 zł 2.24

$0.23 ₱14.53

152.17%

Taxi 1hour Waiting (Normal Tariff)

$9.28 zł 36.06

$4.46 ₱281

108.07%

Gasoline (1 liter)

$1.63 zł 6.34

$1.31 ₱82.8

24.43%

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

$30.0K zł 116.7K

$21.2K ₱1.3M

41.36%

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

$25.9K zł 100.7K

$19.1K ₱1.2M

35.44%

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

$308 zł 1,195

$120 ₱7,569

155.77%

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

$8.74 zł 33.97

$14.00 ₱882

-37.57%

Internet (50+ Mbps, Unlimited Data)

$17.13 zł 66.6

$27.54 ₱1,734

-37.80%

Gym Membership (Monthly)

$37.63 zł 146

$32.33 ₱2,035

16.39%

Tennis Court (1 Hour on Weekend)

$21.91 zł 85.1

$6.65 ₱419

229.47%

Cinema Ticket

$7.56 zł 29.37

$5.65 ₱356

33.81%

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

$501 zł 1,945

$275 ₱17.3K

81.87%

International Primary School, 1 Child (Yearly)

$10.2K zł 39.6K

$7,918 ₱498.5K

28.76%

Jeans (Levis 501 Or Similar)

$73.5 zł 285

$49.33 ₱3,106

48.94%

Summer Dress (H&M, Zara, etc)

$40.50 zł 157

$25.24 ₱1,589

60.46%

Sport Shoes (Adidas, Nike)

$90.5 zł 351

$77.0 ₱4,846

17.54%

Men's Leather Business Shoes

$97.6 zł 379

$57.2 ₱3,601

70.65%

1-bedroom Apartment, City Center (Monthly)

$486 zł 1,887

$500 ₱31.5K

-2.78%

1-bedroom Apartment, Outside City Center (Monthly)

$509 zł 1,978

$309 ₱19.4K

64.86%

3-bedroom Apartment, City Center (Monthly)

$970 zł 3,768

$1,078 ₱67.9K

-10.01%

3-bedroom Apartment, Outside City Center (Monthly)

$874 zł 3,397

$615 ₱38.7K

42.12%

Buy Apartment in City Center (m2)

$2,088 zł 8,111

$2,886 ₱181.7K

-27.66%

Buy Apartment Outside City Center (m2)

$2,192 zł 8,516

$1,917 ₱120.7K

14.37%

Average Monthly Net Salary (After Tax)

$995 zł 3,867

$346 ₱21.8K

187.72%

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 Siedlce: 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

Siedlce

$509 36.9%

Cebu

$309 33.6% 39.3% $200

Monthly Utilities & Internet

Siedlce

$333 24.2%

Cebu

$162 17.6% 51.5% $172

Groceries & Markets

Siedlce

$185 13.4%

Cebu

$206 22.4% 11.3% $21

Clothing & Footwear

Siedlce

$136 9.9%

Cebu

$94 10.2% 30.9% $42

Eating Out

Siedlce

$124 9%

Cebu

$88 9.6% 28.9% $36

Sport & Entertainment

Siedlce

$53 3.8%

Cebu

$44 4.8% 17.3% $9.1

Getting Around

Siedlce

$39 2.8%

Cebu

$16 1.7% 59.9% $23

Cost Breakdown

A one-bedroom apartment in the center runs $486 in Siedlce and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Siedlce pays 188% 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: $44.00 in Siedlce vs $24.00 in Cebu. Groceries flip the comparison at $185 vs $206, with Siedlce cheaper for home cooking.

Good to know

🇵🇱 Siedlce

🇵🇭 Cebu

🕒 Local time

01:04 1:04 AM

07:04 7:04 AM

6 h ahead of Siedlce

🌤 Weather

👥 Population

77,645

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

Siedlce Cebu 9,880 km ≈ 13 h nonstop flight

From you

Siedlce
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

Siedlce vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 50% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 188% higher in Siedlce, 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: $486 in Siedlce versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,379 per month in Siedlce versus $918 in Cebu – a 50% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 141% less than in Siedlce. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,379 in Siedlce, a $1,500 budget is realistic in Cebu but tight or insufficient in Siedlce. 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 Siedlce, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Siedlce 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 50% less than in Siedlce. Beyond cost, consider language, visa policies, and how big the international community is in each city.