Last update: Oct 2026

Cost of Living Comparison Between Tarnow and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,177 in Tarnow, rent and utilities included – about $3,100 less a year. Rent and utilities account for most of the difference.

57

Cost of Living Index in Tarnow
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Tarnow Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Tarnow

🇵🇱 Poland

$1,177

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,177 in Tarnow versus $918 in Cebu.

Tarnow $1,177
Cebu $918

Estimated couple costs with rent: $1,635 in Tarnow versus $1,409 in Cebu.

Tarnow $1,635
Cebu $1,409

Monthly costs for a family of three with rent: $2,092 in Tarnow versus $1,900 in Cebu.

Tarnow $2,092
Cebu $1,900

Living in Tarnow is roughly 28% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Tarnow 13% lower, Cebu 32% lower.

Meal at Budget Restaurant

$10.26 zł 39.87

$3.09 ₱194

232.04%

Three-Course Dinner for Two, Mid-Range

$25.56 zł 99.3

$24.22 ₱1,525

5.53%

Fast Food Meal (McDonalds, etc)

$6.35 zł 24.66

$3.92 ₱247

61.99%

Cappuccino

$2.47 zł 9.58

$2.51 ₱158

-1.59%

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

$2.14 zł 8.32

$1.59 ₱100

34.59%

Water (0.33 liter bottle)

$1.30 zł 5.05

$0.53 ₱33.43

145.28%

Local Beer (0.5 liter draught)

$3.75 zł 14.56

$1.78 ₱112

110.67%

Imported Beer (0.33 liter bottle)

$3.87 zł 15.05

$2.17 ₱137

78.34%

Milk (1 liter)

$1.01 zł 3.91

$1.92 ₱121

-47.40%

White Bread (500g)

$1.18 zł 4.60

$1.36 ₱85.4

-13.24%

Rice (white) (1kg)

$1.24 zł 4.83

$1.01 ₱63.5

22.77%

Eggs

$2.37 zł 9.21

$2.03 ₱128

16.75%

Local Cheese (1kg)

$7.56 zł 29.38

$9.86 ₱621

-23.33%

Chicken Fillets (1kg)

$5.61 zł 21.79

$4.39 ₱277

27.79%

Beef Round Steak (1kg)

$9.74 zł 37.84

$7.60 ₱479

28.16%

Apples (1kg)

$0.77 zł 3.00

$3.30 ₱208

-76.67%

Banana (1kg)

$1.52 zł 5.89

$1.39 ₱87.8

9.35%

Oranges (1kg)

$1.24 zł 4.84

$2.33 ₱147

-46.78%

Tomato (1kg)

$1.93 zł 7.49

$1.50 ₱94.3

28.67%

Potato (1kg)

$0.72 zł 2.81

$2.36 ₱149

-69.49%

Onion (1kg)

$1.01 zł 3.91

$1.90 ₱119

-46.84%

Lettuce (1 head)

$1.00 zł 3.87

$1.19 ₱74.9

-15.97%

Water (1.5 liter bottle)

$0.79 zł 3.09

$0.63 ₱39.71

25.40%

Cigarettes 20 Pack (Marlboro, Camel)

$4.22 zł 16.40

$3.00 ₱189

40.67%

Wine (Bottle)

$6.50 zł 25.25

$6.03 ₱379

7.79%

Local Beer (0.5 liter bottle)

$0.89 zł 3.46

$1.23 ₱77.7

-27.64%

Imported Beer (0.33 liter bottle)

$1.40 zł 5.43

$1.75 ₱110

-20.00%

One-way Ticket (Public Transport)

$0.92 zł 3.59

$0.25 ₱15.86

268.00%

Public Transport Monthly Pass (Regular Price)

$30.92 zł 120

$12.64 ₱796

144.62%

Taxi Start (Normal Tariff)

$1.28 zł 4.99

$0.77 ₱48.62

66.23%

Taxi (Normal Tariff) (1km)

$0.75 zł 2.90

$0.23 ₱14.53

226.09%

Taxi 1hour Waiting (Normal Tariff)

$10.13 zł 39.35

$4.46 ₱281

127.13%

Gasoline (1 liter)

$1.60 zł 6.23

$1.31 ₱82.8

22.14%

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

$30.3K zł 117.6K

$21.2K ₱1.3M

42.50%

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

$24.4K zł 94.6K

$19.1K ₱1.2M

27.23%

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

$243 zł 944

$120 ₱7,569

102.11%

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

$9.09 zł 35.30

$14.00 ₱882

-35.07%

Internet (50+ Mbps, Unlimited Data)

$16.23 zł 63.1

$27.54 ₱1,734

-41.07%

Gym Membership (Monthly)

$25.28 zł 98.2

$32.33 ₱2,035

-21.81%

Tennis Court (1 Hour on Weekend)

$11.35 zł 44.10

$6.65 ₱419

70.68%

Cinema Ticket

$4.68 zł 18.18

$5.65 ₱356

-17.17%

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

$285 zł 1,108

$275 ₱17.3K

3.59%

International Primary School, 1 Child (Yearly)

$2,499 zł 9,711

$7,918 ₱498.5K

-68.43%

Jeans (Levis 501 Or Similar)

$79.4 zł 308

$49.33 ₱3,106

60.94%

Summer Dress (H&M, Zara, etc)

$25.23 zł 98.0

$25.24 ₱1,589

-0.04%

Sport Shoes (Adidas, Nike)

$75.9 zł 295

$77.0 ₱4,846

-1.44%

Men's Leather Business Shoes

$114 zł 443

$57.2 ₱3,601

99.39%

1-bedroom Apartment, City Center (Monthly)

$430 zł 1,669

$500 ₱31.5K

-14.01%

1-bedroom Apartment, Outside City Center (Monthly)

$349 zł 1,357

$309 ₱19.4K

13.09%

3-bedroom Apartment, City Center (Monthly)

$601 zł 2,337

$1,078 ₱67.9K

-44.20%

3-bedroom Apartment, Outside City Center (Monthly)

$466 zł 1,810

$615 ₱38.7K

-24.27%

Buy Apartment in City Center (m2)

$2,648 zł 10.3K

$2,886 ₱181.7K

-8.23%

Buy Apartment Outside City Center (m2)

$1,745 zł 6,781

$1,917 ₱120.7K

-8.94%

Average Monthly Net Salary (After Tax)

$1,019 zł 3,960

$346 ₱21.8K

194.65%

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 Tarnow: 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

Tarnow

$349 29.7%

Cebu

$309 33.6% 11.6% $40

Monthly Utilities & Internet

Tarnow

$268 22.8%

Cebu

$162 17.6% 39.7% $107

Groceries & Markets

Tarnow

$182 15.5%

Cebu

$206 22.4% 13.2% $24

Eating Out

Tarnow

$171 14.5%

Cebu

$88 9.6% 48.4% $83

Clothing & Footwear

Tarnow

$133 11.3%

Cebu

$94 10.2% 29.1% $39

Getting Around

Tarnow

$40 3.4%

Cebu

$16 1.7% 60.7% $24

Sport & Entertainment

Tarnow

$35 2.9%

Cebu

$44 4.8% 25.9% $9

Cost Breakdown

A one-bedroom apartment in the center runs $430 in Tarnow and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Tarnow pays 195% 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: $26.00 in Tarnow vs $24.00 in Cebu. Groceries flip the comparison at $182 vs $206, with Tarnow cheaper for home cooking.

Good to know

🇵🇱 Tarnow

🇵🇭 Cebu

🕒 Local time

01:37 1:37 AM

07:37 7:37 AM

6 h ahead of Tarnow

🌤 Weather

👥 Population

106,748

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 17, 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 17, 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

Tarnow Cebu 10,040 km ≈ 13 h nonstop flight

From you

Tarnow
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

Tarnow vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and transport. The 28% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 195% higher in Tarnow, 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: $430 in Tarnow versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,177 per month in Tarnow versus $918 in Cebu – a 28% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 145% less than in Tarnow. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,177 in Tarnow, a $1,500 budget is realistic in Cebu but tight or insufficient in Tarnow. 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 Tarnow, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Tarnow 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 28% less than in Tarnow. Beyond cost, consider language, visa policies, and how big the international community is in each city.