Last update: Oct 2026

Cost of Living Comparison Between Suwalki and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,460 in Suwalki, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

71

Cost of Living Index in Suwalki
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Suwalki Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Suwalki

🇵🇱 Poland

$1,460

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,460 in Suwalki versus $918 in Cebu.

Suwalki $1,460
Cebu $918

Estimated couple costs with rent: $2,030 in Suwalki versus $1,409 in Cebu.

Suwalki $2,030
Cebu $1,409

Monthly costs for a family of three with rent: $2,599 in Suwalki versus $1,900 in Cebu.

Suwalki $2,599
Cebu $1,900

Living in Suwalki is roughly 59% more expensive than in Cebu, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Suwalki is 8% above, Cebu is 32% below.

Meal at Budget Restaurant

$5.22 zł 20.30

$3.09 ₱194

68.93%

Three-Course Dinner for Two, Mid-Range

$20.41 zł 79.3

$24.22 ₱1,525

-15.73%

Fast Food Meal (McDonalds, etc)

$9.14 zł 35.51

$3.92 ₱247

133.16%

Cappuccino

$3.21 zł 12.48

$2.51 ₱158

27.89%

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

$0.88 zł 3.40

$1.59 ₱100

-44.65%

Water (0.33 liter bottle)

$2.26 zł 8.79

$0.53 ₱33.43

326.42%

Local Beer (0.5 liter draught)

$4.70 zł 18.26

$1.78 ₱112

164.04%

Imported Beer (0.33 liter bottle)

$5.11 zł 19.83

$2.17 ₱137

135.48%

Milk (1 liter)

$0.96 zł 3.72

$1.92 ₱121

-50.00%

White Bread (500g)

$0.90 zł 3.51

$1.36 ₱85.4

-33.82%

Rice (white) (1kg)

$1.07 zł 4.16

$1.01 ₱63.5

5.94%

Eggs

$2.69 zł 10.44

$2.03 ₱128

32.51%

Local Cheese (1kg)

$7.79 zł 30.26

$9.86 ₱621

-20.99%

Chicken Fillets (1kg)

$5.24 zł 20.37

$4.39 ₱277

19.36%

Beef Round Steak (1kg)

$6.23 zł 24.21

$7.60 ₱479

-18.03%

Apples (1kg)

$0.77 zł 3.01

$3.30 ₱208

-76.67%

Banana (1kg)

$1.66 zł 6.46

$1.39 ₱87.8

19.42%

Oranges (1kg)

$1.74 zł 6.76

$2.33 ₱147

-25.32%

Tomato (1kg)

$3.96 zł 15.39

$1.50 ₱94.3

164.00%

Potato (1kg)

$0.53 zł 2.07

$2.36 ₱149

-77.54%

Onion (1kg)

$0.86 zł 3.33

$1.90 ₱119

-54.74%

Lettuce (1 head)

$1.12 zł 4.33

$1.19 ₱74.9

-5.88%

Water (1.5 liter bottle)

$0.37 zł 1.43

$0.63 ₱39.71

-41.27%

Cigarettes 20 Pack (Marlboro, Camel)

$6.23 zł 24.21

$3.00 ₱189

107.67%

Wine (Bottle)

$6.19 zł 24.05

$6.03 ₱379

2.65%

Local Beer (0.5 liter bottle)

$1.11 zł 4.31

$1.23 ₱77.7

-9.76%

Imported Beer (0.33 liter bottle)

$1.63 zł 6.35

$1.75 ₱110

-6.86%

One-way Ticket (Public Transport)

$1.05 zł 4.06

$0.25 ₱15.86

320.00%

Public Transport Monthly Pass (Regular Price)

$30.22 zł 117

$12.64 ₱796

139.08%

Taxi Start (Normal Tariff)

$2.57 zł 9.98

$0.77 ₱48.62

233.77%

Taxi (Normal Tariff) (1km)

$1.25 zł 4.86

$0.23 ₱14.53

443.48%

Taxi 1hour Waiting (Normal Tariff)

$12.84 zł 49.87

$4.46 ₱281

187.89%

Gasoline (1 liter)

$1.78 zł 6.90

$1.31 ₱82.8

35.88%

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

$30.6K zł 118.9K

$21.2K ₱1.3M

44.01%

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

$30.6K zł 118.8K

$19.1K ₱1.2M

59.71%

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

$341 zł 1,326

$120 ₱7,569

183.94%

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

$9.21 zł 35.78

$14.00 ₱882

-34.21%

Internet (50+ Mbps, Unlimited Data)

$15.89 zł 61.7

$27.54 ₱1,734

-42.30%

Gym Membership (Monthly)

$38.37 zł 149

$32.33 ₱2,035

18.68%

Tennis Court (1 Hour on Weekend)

$24.80 zł 96.4

$6.65 ₱419

272.93%

Cinema Ticket

$8.98 zł 34.89

$5.65 ₱356

58.94%

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

$588 zł 2,283

$275 ₱17.3K

113.41%

International Primary School, 1 Child (Yearly)

$14.5K zł 56.4K

$7,918 ₱498.5K

83.19%

Jeans (Levis 501 Or Similar)

$109 zł 423

$49.33 ₱3,106

120.86%

Summer Dress (H&M, Zara, etc)

$39.37 zł 153

$25.24 ₱1,589

55.98%

Sport Shoes (Adidas, Nike)

$106 zł 412

$77.0 ₱4,846

37.67%

Men's Leather Business Shoes

$112 zł 434

$57.2 ₱3,601

95.28%

1-bedroom Apartment, City Center (Monthly)

$606 zł 2,354

$500 ₱31.5K

21.31%

1-bedroom Apartment, Outside City Center (Monthly)

$500 zł 1,942

$309 ₱19.4K

61.83%

3-bedroom Apartment, City Center (Monthly)

$1,002 zł 3,891

$1,078 ₱67.9K

-7.08%

3-bedroom Apartment, Outside City Center (Monthly)

$825 zł 3,207

$615 ₱38.7K

34.17%

Buy Apartment in City Center (m2)

$3,067 zł 11.9K

$2,886 ₱181.7K

6.28%

Buy Apartment Outside City Center (m2)

$2,388 zł 9,276

$1,917 ₱120.7K

24.58%

Average Monthly Net Salary (After Tax)

$1,459 zł 5,669

$346 ₱21.8K

321.80%

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 Suwalki: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Suwalki

$500 34.2%

Cebu

$309 33.6% 38.2% $191

Monthly Utilities & Internet

Suwalki

$366 25.1%

Cebu

$162 17.6% 55.9% $205

Groceries & Markets

Suwalki

$176 12%

Cebu

$206 22.4% 17% $30

Clothing & Footwear

Suwalki

$165 11.3%

Cebu

$94 10.2% 43% $71

Eating Out

Suwalki

$154 10.6%

Cebu

$88 9.6% 42.7% $66

Sport & Entertainment

Suwalki

$56 3.9%

Cebu

$44 4.8% 22.6% $13

Getting Around

Suwalki

$43 3%

Cebu

$16 1.7% 64% $28

Cost Breakdown

A one-bedroom apartment in the center runs $606 in Suwalki and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Suwalki pays 322% 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: $20.00 in Suwalki vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $176 vs $206 per month, with Suwalki cheaper across the board.

Good to know

🇵🇱 Suwalki

🇵🇭 Cebu

🕒 Local time

23:41 11:41 PM

05:41 5:41 AM

6 h ahead of Suwalki

🌤 Weather

👥 Population

69,575

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

Lowest

Highest

Between locations

Suwalki Cebu 9,780 km ≈ 13 h nonstop flight

From you

Suwalki
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

Suwalki vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in clothing, eating out, and leisure. The 59% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 322% higher in Suwalki, 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: $606 in Suwalki versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,460 per month in Suwalki versus $918 in Cebu – a 59% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 139% less than in Suwalki. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,460 in Suwalki, a $1,500 budget is realistic in Cebu but tight or insufficient in Suwalki. 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 Suwalki, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Suwalki 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 59% less than in Suwalki. Beyond cost, consider language, visa policies, and how big the international community is in each city.