Last update: Oct 2026

Cost of Living Comparison Between Szczecinek and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,468 in Szczecinek, rent and utilities included – about $6,600 less a year. Rent and utilities account for most of the difference.

72

Cost of Living Index in Szczecinek
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Szczecinek Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Szczecinek

🇵🇱 Poland

$1,468

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,468 in Szczecinek versus $918 in Cebu.

Szczecinek $1,468
Cebu $918

Estimated couple costs with rent: $2,118 in Szczecinek versus $1,409 in Cebu.

Szczecinek $2,118
Cebu $1,409

Monthly costs for a family of three with rent: $2,769 in Szczecinek versus $1,900 in Cebu.

Szczecinek $2,769
Cebu $1,900

Living in Szczecinek is roughly 60% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Szczecinek is 9% above, Cebu is 32% below.

Meal at Budget Restaurant

$11.62 zł 45.14

$3.09 ₱194

276.05%

Three-Course Dinner for Two, Mid-Range

$42.81 zł 166

$24.22 ₱1,525

76.75%

Fast Food Meal (McDonalds, etc)

$9.07 zł 35.22

$3.92 ₱247

131.38%

Cappuccino

$3.48 zł 13.51

$2.51 ₱158

38.65%

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

$1.16 zł 4.51

$1.59 ₱100

-27.04%

Water (0.33 liter bottle)

$0.87 zł 3.38

$0.53 ₱33.43

64.15%

Local Beer (0.5 liter draught)

$3.10 zł 12.05

$1.78 ₱112

74.16%

Imported Beer (0.33 liter bottle)

$1.37 zł 5.34

$2.17 ₱137

-36.87%

Milk (1 liter)

$0.90 zł 3.51

$1.92 ₱121

-53.13%

White Bread (500g)

$1.26 zł 4.89

$1.36 ₱85.4

-7.35%

Rice (white) (1kg)

$1.36 zł 5.28

$1.01 ₱63.5

34.65%

Eggs

$3.53 zł 13.70

$2.03 ₱128

73.89%

Local Cheese (1kg)

$7.64 zł 29.69

$9.86 ₱621

-22.52%

Chicken Fillets (1kg)

$5.98 zł 23.23

$4.39 ₱277

36.22%

Beef Round Steak (1kg)

$13.19 zł 51.3

$7.60 ₱479

73.55%

Apples (1kg)

$1.19 zł 4.64

$3.30 ₱208

-63.94%

Banana (1kg)

$1.13 zł 4.41

$1.39 ₱87.8

-18.71%

Oranges (1kg)

$1.64 zł 6.38

$2.33 ₱147

-29.61%

Tomato (1kg)

$2.43 zł 9.44

$1.50 ₱94.3

62.00%

Potato (1kg)

$0.76 zł 2.94

$2.36 ₱149

-67.80%

Onion (1kg)

$0.80 zł 3.12

$1.90 ₱119

-57.89%

Lettuce (1 head)

$1.28 zł 4.96

$1.19 ₱74.9

7.56%

Water (1.5 liter bottle)

$0.68 zł 2.65

$0.63 ₱39.71

7.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.59 zł 21.70

$3.00 ₱189

86.33%

Wine (Bottle)

$7.53 zł 29.26

$6.03 ₱379

24.88%

Local Beer (0.5 liter bottle)

$1.12 zł 4.36

$1.23 ₱77.7

-8.94%

Imported Beer (0.33 liter bottle)

$1.47 zł 5.71

$1.75 ₱110

-16.00%

One-way Ticket (Public Transport)

$1.06 zł 4.13

$0.25 ₱15.86

324.00%

Public Transport Monthly Pass (Regular Price)

$27.13 zł 105

$12.64 ₱796

114.64%

Taxi Start (Normal Tariff)

$2.28 zł 8.86

$0.77 ₱48.62

196.10%

Taxi (Normal Tariff) (1km)

$1.04 zł 4.02

$0.23 ₱14.53

352.17%

Taxi 1hour Waiting (Normal Tariff)

$11.56 zł 44.92

$4.46 ₱281

159.19%

Gasoline (1 liter)

$1.48 zł 5.77

$1.31 ₱82.8

12.98%

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

$31.0K zł 120.3K

$21.2K ₱1.3M

45.74%

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

$27.8K zł 108.0K

$19.1K ₱1.2M

45.21%

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

$290 zł 1,126

$120 ₱7,569

141.08%

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

$7.77 zł 30.20

$14.00 ₱882

-44.50%

Internet (50+ Mbps, Unlimited Data)

$18.34 zł 71.3

$27.54 ₱1,734

-33.41%

Gym Membership (Monthly)

$38.27 zł 149

$32.33 ₱2,035

18.37%

Tennis Court (1 Hour on Weekend)

$20.63 zł 80.2

$6.65 ₱419

210.23%

Cinema Ticket

$7.59 zł 29.49

$5.65 ₱356

34.34%

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

$206 zł 800

$275 ₱17.3K

-25.17%

International Primary School, 1 Child (Yearly)

$7,398 zł 28.7K

$7,918 ₱498.5K

-6.57%

Jeans (Levis 501 Or Similar)

$78.3 zł 304

$49.33 ₱3,106

58.67%

Summer Dress (H&M, Zara, etc)

$36.84 zł 143

$25.24 ₱1,589

45.96%

Sport Shoes (Adidas, Nike)

$87.3 zł 339

$77.0 ₱4,846

13.38%

Men's Leather Business Shoes

$108 zł 421

$57.2 ₱3,601

89.42%

1-bedroom Apartment, City Center (Monthly)

$559 zł 2,173

$500 ₱31.5K

11.95%

1-bedroom Apartment, Outside City Center (Monthly)

$526 zł 2,045

$309 ₱19.4K

70.40%

3-bedroom Apartment, City Center (Monthly)

$1,019 zł 3,959

$1,078 ₱67.9K

-5.45%

3-bedroom Apartment, Outside City Center (Monthly)

$850 zł 3,303

$615 ₱38.7K

38.19%

Buy Apartment in City Center (m2)

$3,303 zł 12.8K

$2,886 ₱181.7K

14.43%

Buy Apartment Outside City Center (m2)

$2,012 zł 7,816

$1,917 ₱120.7K

4.96%

Average Monthly Net Salary (After Tax)

$1,300 zł 5,049

$346 ₱21.8K

275.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.2

7.2

-41.67%

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

Last update for Szczecinek: 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

Szczecinek

$526 35.8%

Cebu

$309 33.6% 41.3% $217

Monthly Utilities & Internet

Szczecinek

$316 21.5%

Cebu

$162 17.6% 48.8% $154

Groceries & Markets

Szczecinek

$206 14%

Cebu

$206 22.4% 0% $0

Eating Out

Szczecinek

$188 12.8%

Cebu

$88 9.6% 53.1% $100

Clothing & Footwear

Szczecinek

$140 9.5%

Cebu

$94 10.2% 32.8% $46

Sport & Entertainment

Szczecinek

$53 3.6%

Cebu

$44 4.8% 18.4% $9.8

Getting Around

Szczecinek

$39 2.6%

Cebu

$16 1.7% 59.9% $23

Cost Breakdown

A one-bedroom apartment in the center runs $559 in Szczecinek and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Szczecinek pays 276% 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: $43.00 in Szczecinek vs $24.00 in Cebu. Groceries flip the comparison at $206 vs $206, with Szczecinek cheaper for home cooking.

Good to know

🇵🇱 Szczecinek

🇵🇭 Cebu

🕒 Local time

03:13 3:13 AM

09:13 9:13 AM

6 h ahead of Szczecinek

🌤 Weather

👥 Population

39,705

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

Szczecinek Cebu 10,190 km ≈ 13 h nonstop flight

From you

Szczecinek
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

Szczecinek vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 60% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 276% higher in Szczecinek, 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: $559 in Szczecinek versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,468 per month in Szczecinek versus $918 in Cebu – a 60% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 115% less than in Szczecinek. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,468 in Szczecinek, a $1,500 budget is realistic in Cebu but tight or insufficient in Szczecinek. 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 Szczecinek, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Szczecinek 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 60% less than in Szczecinek. Beyond cost, consider language, visa policies, and how big the international community is in each city.