Last update: Oct 2026

Cost of Living Comparison Between Tarnowskie Góry and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,409 in Tarnowskie Góry, rent and utilities included – about $5,900 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Tarnowskie Góry
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Tarnowskie Góry Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Tarnowskie Góry

🇵🇱 Poland

$1,409

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,409 in Tarnowskie Góry versus $918 in Cebu.

Tarnowskie Góry $1,409
Cebu $918

Estimated couple costs with rent: $2,010 in Tarnowskie Góry versus $1,409 in Cebu.

Tarnowskie Góry $2,010
Cebu $1,409

Monthly costs for a family of three with rent: $2,611 in Tarnowskie Góry versus $1,900 in Cebu.

Tarnowskie Góry $2,611
Cebu $1,900

Living in Tarnowskie Góry is roughly 53% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Tarnowskie Góry is 4% above, Cebu is 32% below.

Meal at Budget Restaurant

$9.59 zł 37.26

$3.09 ₱194

210.36%

Three-Course Dinner for Two, Mid-Range

$35.10 zł 136

$24.22 ₱1,525

44.92%

Fast Food Meal (McDonalds, etc)

$9.08 zł 35.27

$3.92 ₱247

131.63%

Cappuccino

$3.51 zł 13.64

$2.51 ₱158

39.84%

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

$2.74 zł 10.66

$1.59 ₱100

72.33%

Water (0.33 liter bottle)

$2.49 zł 9.68

$0.53 ₱33.43

369.81%

Local Beer (0.5 liter draught)

$3.58 zł 13.93

$1.78 ₱112

101.12%

Imported Beer (0.33 liter bottle)

$4.45 zł 17.29

$2.17 ₱137

105.07%

Milk (1 liter)

$0.98 zł 3.81

$1.92 ₱121

-48.96%

White Bread (500g)

$1.25 zł 4.87

$1.36 ₱85.4

-8.09%

Rice (white) (1kg)

$1.33 zł 5.19

$1.01 ₱63.5

31.68%

Eggs

$3.27 zł 12.69

$2.03 ₱128

61.08%

Local Cheese (1kg)

$7.87 zł 30.56

$9.86 ₱621

-20.18%

Chicken Fillets (1kg)

$5.56 zł 21.59

$4.39 ₱277

26.65%

Beef Round Steak (1kg)

$11.60 zł 45.06

$7.60 ₱479

52.63%

Apples (1kg)

$1.02 zł 3.98

$3.30 ₱208

-69.09%

Banana (1kg)

$1.39 zł 5.39

$1.39 ₱87.8

Oranges (1kg)

$1.40 zł 5.44

$2.33 ₱147

-39.91%

Tomato (1kg)

$2.50 zł 9.72

$1.50 ₱94.3

66.67%

Potato (1kg)

$0.80 zł 3.09

$2.36 ₱149

-66.10%

Onion (1kg)

$0.82 zł 3.17

$1.90 ₱119

-56.84%

Lettuce (1 head)

$1.28 zł 4.98

$1.19 ₱74.9

7.56%

Water (1.5 liter bottle)

$0.60 zł 2.32

$0.63 ₱39.71

-4.76%

Cigarettes 20 Pack (Marlboro, Camel)

$5.64 zł 21.91

$3.00 ₱189

88.00%

Wine (Bottle)

$6.37 zł 24.75

$6.03 ₱379

5.64%

Local Beer (0.5 liter bottle)

$1.00 zł 3.87

$1.23 ₱77.7

-18.70%

Imported Beer (0.33 liter bottle)

$1.62 zł 6.30

$1.75 ₱110

-7.43%

One-way Ticket (Public Transport)

$1.04 zł 4.03

$0.25 ₱15.86

316.00%

Public Transport Monthly Pass (Regular Price)

$29.01 zł 113

$12.64 ₱796

129.51%

Taxi Start (Normal Tariff)

$1.57 zł 6.09

$0.77 ₱48.62

103.90%

Taxi (Normal Tariff) (1km)

$0.54 zł 2.11

$0.23 ₱14.53

134.78%

Taxi 1hour Waiting (Normal Tariff)

$9.32 zł 36.21

$4.46 ₱281

108.97%

Gasoline (1 liter)

$1.60 zł 6.20

$1.31 ₱82.8

22.14%

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

$29.9K zł 116.0K

$21.2K ₱1.3M

40.59%

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

$26.3K zł 102.1K

$19.1K ₱1.2M

37.27%

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

$271 zł 1,051

$120 ₱7,569

125.07%

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

$8.01 zł 31.11

$14.00 ₱882

-42.79%

Internet (50+ Mbps, Unlimited Data)

$17.11 zł 66.5

$27.54 ₱1,734

-37.87%

Gym Membership (Monthly)

$37.75 zł 147

$32.33 ₱2,035

16.76%

Tennis Court (1 Hour on Weekend)

$22.17 zł 86.1

$6.65 ₱419

233.38%

Cinema Ticket

$7.06 zł 27.44

$5.65 ₱356

24.96%

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

$518 zł 2,013

$275 ₱17.3K

88.16%

International Primary School, 1 Child (Yearly)

$10.3K zł 40.2K

$7,918 ₱498.5K

30.69%

Jeans (Levis 501 Or Similar)

$69.6 zł 270

$49.33 ₱3,106

41.03%

Summer Dress (H&M, Zara, etc)

$31.29 zł 122

$25.24 ₱1,589

23.97%

Sport Shoes (Adidas, Nike)

$89.9 zł 349

$77.0 ₱4,846

16.76%

Men's Leather Business Shoes

$92.0 zł 357

$57.2 ₱3,601

60.77%

1-bedroom Apartment, City Center (Monthly)

$600 zł 2,331

$500 ₱31.5K

20.13%

1-bedroom Apartment, Outside City Center (Monthly)

$507 zł 1,969

$309 ₱19.4K

64.09%

3-bedroom Apartment, City Center (Monthly)

$978 zł 3,799

$1,078 ₱67.9K

-9.27%

3-bedroom Apartment, Outside City Center (Monthly)

$806 zł 3,133

$615 ₱38.7K

31.09%

Buy Apartment in City Center (m2)

$2,800 zł 10.9K

$2,886 ₱181.7K

-2.99%

Buy Apartment Outside City Center (m2)

$2,472 zł 9,605

$1,917 ₱120.7K

28.99%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

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 Tarnowskie Góry: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tarnowskie Góry

$507 36%

Cebu

$309 33.6% 39.1% $198

Monthly Utilities & Internet

Tarnowskie Góry

$296 21%

Cebu

$162 17.6% 45.3% $134

Groceries & Markets

Tarnowskie Góry

$196 13.9%

Cebu

$206 22.4% 5.2% $10

Eating Out

Tarnowskie Góry

$194 13.8%

Cebu

$88 9.6% 54.5% $106

Clothing & Footwear

Tarnowskie Góry

$127 9%

Cebu

$94 10.2% 26.2% $33

Sport & Entertainment

Tarnowskie Góry

$52 3.7%

Cebu

$44 4.8% 15.9% $8.3

Getting Around

Tarnowskie Góry

$37 2.7%

Cebu

$16 1.7% 58.4% $22

Cost Breakdown

A one-bedroom apartment in the center runs $600 in Tarnowskie Góry and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Tarnowskie Góry vs $24.00 in Cebu. Groceries flip the comparison at $196 vs $206, with Tarnowskie Góry cheaper for home cooking.

Good to know

🇵🇱 Tarnowskie Góry

🇵🇭 Cebu

🕒 Local time

17:32 5:32 PM

23:32 11:32 PM

6 h ahead of Tarnowskie Góry

🌤 Weather

👥 Population

61,789

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

Tarnowskie Góry Cebu 10,170 km ≈ 13 h nonstop flight

From you

Tarnowskie Góry
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

Tarnowskie Góry vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 53% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,113 in Tarnowskie Góry and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $600 in Tarnowskie Góry versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,409 per month in Tarnowskie Góry versus $918 in Cebu – a 53% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 130% less than in Tarnowskie Góry. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,409 in Tarnowskie Góry, a $1,500 budget is realistic in Cebu but tight or insufficient in Tarnowskie Góry. 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 Tarnowskie Góry, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Tarnowskie Góry 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 53% less than in Tarnowskie Góry. Beyond cost, consider language, visa policies, and how big the international community is in each city.