Last update: Oct 2026

Cost of Living Comparison Between Swinoujscie and Cebu

For one person, living is cheaper in Cebu: $915 a month against $1,415 in Swinoujscie, rent and utilities included – about $6,000 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Swinoujscie
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Swinoujscie Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Swinoujscie

🇵🇱 Poland

$1,415

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,415 in Swinoujscie versus $915 in Cebu.

Swinoujscie $1,415
Cebu $915

Estimated couple costs with rent: $2,048 in Swinoujscie versus $1,418 in Cebu.

Swinoujscie $2,048
Cebu $1,418

Monthly costs for a family of three with rent: $2,681 in Swinoujscie versus $1,921 in Cebu.

Swinoujscie $2,681
Cebu $1,921

Living in Swinoujscie is roughly 55% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Swinoujscie is 4% above, Cebu is 33% below.

Meal at Budget Restaurant

$9.75 zł 37.90

$3.05 ₱192

219.67%

Three-Course Dinner for Two, Mid-Range

$41.32 zł 161

$24.00 ₱1,511

72.17%

Fast Food Meal (McDonalds, etc)

$8.76 zł 34.04

$3.99 ₱251

119.55%

Cappuccino

$3.41 zł 13.23

$2.50 ₱157

36.40%

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

$2.08 zł 8.08

$1.54 ₱97.1

35.06%

Water (0.33 liter bottle)

$1.59 zł 6.18

$0.50 ₱31.37

218.00%

Local Beer (0.5 liter draught)

$3.52 zł 13.66

$1.78 ₱112

97.75%

Imported Beer (0.33 liter bottle)

$3.85 zł 14.98

$2.17 ₱136

77.42%

Milk (1 liter)

$0.94 zł 3.64

$2.00 ₱126

-53.00%

White Bread (500g)

$1.50 zł 5.81

$1.37 ₱86.2

9.49%

Rice (white) (1kg)

$0.72 zł 2.81

$1.03 ₱64.9

-30.10%

Eggs

$2.88 zł 11.17

$2.03 ₱128

41.87%

Local Cheese (1kg)

$8.89 zł 34.53

$10.20 ₱642

-12.84%

Chicken Fillets (1kg)

$6.23 zł 24.22

$4.45 ₱280

40.00%

Beef Round Steak (1kg)

$11.92 zł 46.30

$7.67 ₱483

55.41%

Apples (1kg)

$1.17 zł 4.54

$3.31 ₱208

-64.65%

Banana (1kg)

$1.24 zł 4.82

$1.46 ₱91.8

-15.07%

Oranges (1kg)

$1.44 zł 5.60

$2.32 ₱146

-37.93%

Tomato (1kg)

$2.34 zł 9.11

$1.49 ₱94.0

57.05%

Potato (1kg)

$0.66 zł 2.57

$2.34 ₱147

-71.79%

Onion (1kg)

$0.85 zł 3.30

$1.94 ₱122

-56.19%

Lettuce (1 head)

$1.24 zł 4.80

$1.16 ₱73.0

6.90%

Water (1.5 liter bottle)

$0.68 zł 2.63

$0.68 ₱42.89

Cigarettes 20 Pack (Marlboro, Camel)

$5.41 zł 21.03

$2.99 ₱188

80.94%

Wine (Bottle)

$6.43 zł 24.98

$6.24 ₱393

3.04%

Local Beer (0.5 liter bottle)

$1.08 zł 4.21

$1.23 ₱77.3

-12.20%

Imported Beer (0.33 liter bottle)

$1.54 zł 6.00

$1.73 ₱109

-10.98%

One-way Ticket (Public Transport)

$1.04 zł 4.03

$0.23 ₱14.36

352.17%

Public Transport Monthly Pass (Regular Price)

$30.39 zł 118

$12.34 ₱777

146.27%

Taxi Start (Normal Tariff)

$2.06 zł 8.01

$0.79 ₱49.96

160.76%

Taxi (Normal Tariff) (1km)

$0.74 zł 2.89

$0.22 ₱13.86

236.36%

Taxi 1hour Waiting (Normal Tariff)

$9.99 zł 38.82

$4.54 ₱286

120.04%

Gasoline (1 liter)

$1.60 zł 6.21

$1.32 ₱82.9

21.21%

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

$30.4K zł 117.9K

$21.0K ₱1.3M

44.51%

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

$27.2K zł 105.7K

$19.4K ₱1.2M

40.25%

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

$273 zł 1,061

$119 ₱7,464

130.45%

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

$8.65 zł 33.60

$14.22 ₱896

-39.17%

Internet (50+ Mbps, Unlimited Data)

$17.29 zł 67.2

$27.47 ₱1,730

-37.06%

Gym Membership (Monthly)

$38.91 zł 151

$32.31 ₱2,034

20.43%

Tennis Court (1 Hour on Weekend)

$21.54 zł 83.7

$6.50 ₱409

231.38%

Cinema Ticket

$7.05 zł 27.38

$5.40 ₱340

30.56%

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

$363 zł 1,410

$276 ₱17.4K

31.49%

International Primary School, 1 Child (Yearly)

$7,877 zł 30.6K

$7,866 ₱495.3K

0.14%

Jeans (Levis 501 Or Similar)

$79.9 zł 310

$49.37 ₱3,108

61.82%

Summer Dress (H&M, Zara, etc)

$38.36 zł 149

$24.58 ₱1,548

56.06%

Sport Shoes (Adidas, Nike)

$88.1 zł 342

$76.6 ₱4,825

14.90%

Men's Leather Business Shoes

$100 zł 390

$58.9 ₱3,706

70.63%

1-bedroom Apartment, City Center (Monthly)

$616 zł 2,392

$503 ₱31.7K

22.28%

1-bedroom Apartment, Outside City Center (Monthly)

$498 zł 1,934

$305 ₱19.2K

63.44%

3-bedroom Apartment, City Center (Monthly)

$969 zł 3,765

$1,075 ₱67.7K

-9.85%

3-bedroom Apartment, Outside City Center (Monthly)

$811 zł 3,149

$632 ₱39.8K

28.24%

Buy Apartment in City Center (m2)

$2,101 zł 8,165

$2,870 ₱180.7K

-26.77%

Buy Apartment Outside City Center (m2)

$1,471 zł 5,716

$1,877 ₱118.2K

-21.63%

Average Monthly Net Salary (After Tax)

$1,808 zł 7,024

$336 ₱21.1K

438.21%

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 Swinoujscie: October 17, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Swinoujscie

$498 35.2%

Cebu

$305 33.3% 38.8% $193

Monthly Utilities & Internet

Swinoujscie

$299 21.2%

Cebu

$160 17.5% 46.4% $139

Groceries & Markets

Swinoujscie

$201 14.2%

Cebu

$210 22.9% 4.2% $8.4

Eating Out

Swinoujscie

$185 13.1%

Cebu

$88 9.6% 52.6% $97

Clothing & Footwear

Swinoujscie

$138 9.8%

Cebu

$94 10.3% 31.7% $44

Sport & Entertainment

Swinoujscie

$53 3.8%

Cebu

$43 4.7% 18.7% $9.9

Getting Around

Swinoujscie

$40 2.9%

Cebu

$15 1.7% 62.4% $25

Cost Breakdown

A one-bedroom apartment in the center runs $616 in Swinoujscie and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Swinoujscie pays 438% 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: $41.00 in Swinoujscie vs $24.00 in Cebu. Groceries flip the comparison at $201 vs $210, with Swinoujscie cheaper for home cooking.

Good to know

🇵🇱 Swinoujscie

🇵🇭 Cebu

🕒 Local time

23:51 11:51 PM

05:51 5:51 AM

6 h ahead of Swinoujscie

🌤 Weather

👥 Population

38,728

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

Lowest

Highest

Between locations

Swinoujscie Cebu 10,330 km ≈ 13 h nonstop flight

From you

Swinoujscie
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

Swinoujscie vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 55% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 438% higher in Swinoujscie, 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: $616 in Swinoujscie versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,415 per month in Swinoujscie versus $915 in Cebu – a 55% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 146% less than in Swinoujscie. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $915 in Cebu versus $1,415 in Swinoujscie, a $1,500 budget is realistic in Cebu but tight or insufficient in Swinoujscie. 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 Swinoujscie, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Swinoujscie 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 55% less than in Swinoujscie. Beyond cost, consider language, visa policies, and how big the international community is in each city.