Last update: Oct 2026

Cost of Living Comparison Between Torun and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,310 in Torun, rent and utilities included – about $4,700 less a year. Rent and utilities account for about half of the difference.

64

Cost of Living Index in Torun
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Torun Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Torun

🇵🇱 Poland

$1,310

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,310 in Torun versus $918 in Cebu.

Torun $1,310
Cebu $918

Estimated couple costs with rent: $1,895 in Torun versus $1,409 in Cebu.

Torun $1,895
Cebu $1,409

Monthly costs for a family of three with rent: $2,480 in Torun versus $1,900 in Cebu.

Torun $2,480
Cebu $1,900

Living in Torun is roughly 43% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Torun 3% lower, Cebu 32% lower.

Meal at Budget Restaurant

$10.15 zł 39.45

$3.09 ₱194

228.48%

Three-Course Dinner for Two, Mid-Range

$50.3 zł 196

$24.22 ₱1,525

107.80%

Fast Food Meal (McDonalds, etc)

$8.80 zł 34.19

$3.92 ₱247

124.49%

Cappuccino

$3.52 zł 13.67

$2.51 ₱158

40.24%

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

$2.10 zł 8.15

$1.59 ₱100

32.08%

Water (0.33 liter bottle)

$1.63 zł 6.32

$0.53 ₱33.43

207.55%

Local Beer (0.5 liter draught)

$2.48 zł 9.64

$1.78 ₱112

39.33%

Imported Beer (0.33 liter bottle)

$4.12 zł 16.01

$2.17 ₱137

89.86%

Milk (1 liter)

$0.98 zł 3.80

$1.92 ₱121

-48.96%

White Bread (500g)

$1.22 zł 4.73

$1.36 ₱85.4

-10.29%

Rice (white) (1kg)

$1.57 zł 6.12

$1.01 ₱63.5

55.45%

Eggs

$2.96 zł 11.51

$2.03 ₱128

45.81%

Local Cheese (1kg)

$7.82 zł 30.39

$9.86 ₱621

-20.69%

Chicken Fillets (1kg)

$6.13 zł 23.83

$4.39 ₱277

39.64%

Beef Round Steak (1kg)

$14.18 zł 55.1

$7.60 ₱479

86.58%

Apples (1kg)

$1.10 zł 4.29

$3.30 ₱208

-66.67%

Banana (1kg)

$1.66 zł 6.44

$1.39 ₱87.8

19.42%

Oranges (1kg)

$1.57 zł 6.11

$2.33 ₱147

-32.62%

Tomato (1kg)

$3.19 zł 12.41

$1.50 ₱94.3

112.67%

Potato (1kg)

$0.87 zł 3.36

$2.36 ₱149

-63.14%

Onion (1kg)

$1.38 zł 5.35

$1.90 ₱119

-27.37%

Lettuce (1 head)

$1.47 zł 5.69

$1.19 ₱74.9

23.53%

Water (1.5 liter bottle)

$0.56 zł 2.18

$0.63 ₱39.71

-11.11%

Cigarettes 20 Pack (Marlboro, Camel)

$4.63 zł 17.97

$3.00 ₱189

54.33%

Wine (Bottle)

$7.07 zł 27.47

$6.03 ₱379

17.25%

Local Beer (0.5 liter bottle)

$1.55 zł 6.01

$1.23 ₱77.7

26.02%

Imported Beer (0.33 liter bottle)

$2.15 zł 8.37

$1.75 ₱110

22.86%

One-way Ticket (Public Transport)

$1.18 zł 4.59

$0.25 ₱15.86

372.00%

Public Transport Monthly Pass (Regular Price)

$25.35 zł 98.5

$12.64 ₱796

100.55%

Taxi Start (Normal Tariff)

$2.08 zł 8.08

$0.77 ₱48.62

170.13%

Taxi (Normal Tariff) (1km)

$1.03 zł 4.01

$0.23 ₱14.53

347.83%

Taxi 1hour Waiting (Normal Tariff)

$6.39 zł 24.83

$4.46 ₱281

43.27%

Gasoline (1 liter)

$1.58 zł 6.15

$1.31 ₱82.8

20.61%

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

$31.3K zł 121.5K

$21.2K ₱1.3M

47.18%

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

$26.7K zł 103.8K

$19.1K ₱1.2M

39.55%

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

$182 zł 707

$120 ₱7,569

51.34%

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

$10.45 zł 40.62

$14.00 ₱882

-25.36%

Internet (50+ Mbps, Unlimited Data)

$16.87 zł 65.5

$27.54 ₱1,734

-38.74%

Gym Membership (Monthly)

$37.66 zł 146

$32.33 ₱2,035

16.49%

Tennis Court (1 Hour on Weekend)

$21.89 zł 85.0

$6.65 ₱419

229.17%

Cinema Ticket

$7.69 zł 29.88

$5.65 ₱356

36.11%

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

$243 zł 944

$275 ₱17.3K

-11.71%

International Primary School, 1 Child (Yearly)

$5,177 zł 20.1K

$7,918 ₱498.5K

-34.61%

Jeans (Levis 501 Or Similar)

$86.1 zł 335

$49.33 ₱3,106

74.62%

Summer Dress (H&M, Zara, etc)

$39.34 zł 153

$25.24 ₱1,589

55.86%

Sport Shoes (Adidas, Nike)

$83.7 zł 325

$77.0 ₱4,846

8.76%

Men's Leather Business Shoes

$116 zł 450

$57.2 ₱3,601

102.47%

1-bedroom Apartment, City Center (Monthly)

$526 zł 2,045

$500 ₱31.5K

5.36%

1-bedroom Apartment, Outside City Center (Monthly)

$460 zł 1,789

$309 ₱19.4K

49.10%

3-bedroom Apartment, City Center (Monthly)

$844 zł 3,281

$1,078 ₱67.9K

-21.65%

3-bedroom Apartment, Outside City Center (Monthly)

$597 zł 2,319

$615 ₱38.7K

-2.99%

Buy Apartment in City Center (m2)

$3,387 zł 13.2K

$2,886 ₱181.7K

17.35%

Buy Apartment Outside City Center (m2)

$2,216 zł 8,610

$1,917 ₱120.7K

15.62%

Average Monthly Net Salary (After Tax)

$1,738 zł 6,754

$346 ₱21.8K

402.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.21

7.2

-13.75%

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

Last update for Torun: 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

Torun

$460 35.1%

Cebu

$309 33.6% 32.9% $152

Groceries & Markets

Torun

$219 16.7%

Cebu

$206 22.4% 5.8% $13

Monthly Utilities & Internet

Torun

$209 16%

Cebu

$162 17.6% 22.7% $48

Eating Out

Torun

$185 14.2%

Cebu

$88 9.6% 52.4% $97

Clothing & Footwear

Torun

$146 11.2%

Cebu

$94 10.2% 35.8% $52

Sport & Entertainment

Torun

$53 4.1%

Cebu

$44 4.8% 17.8% $9.4

Getting Around

Torun

$37 2.9%

Cebu

$16 1.7% 58.3% $22

Cost Breakdown

A one-bedroom apartment in the center runs $526 in Torun and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Torun pays 402% 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: $50.0 in Torun vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $219 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇵🇱 Torun

🇵🇭 Cebu

🕒 Local time

02:26 2:26 AM

08:26 8:26 AM

6 h ahead of Torun

🌤 Weather

👥 Population

196,935

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

Torun Cebu 10,090 km ≈ 13 h nonstop flight

From you

Torun
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

Torun vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, eating out, and clothing. The 43% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 402% higher in Torun, 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: $526 in Torun versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,310 per month in Torun versus $918 in Cebu – a 43% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 101% less than in Torun. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,310 in Torun, a $1,500 budget is realistic in Cebu but tight or insufficient in Torun. 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 Torun, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Torun 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 43% less than in Torun. Beyond cost, consider language, visa policies, and how big the international community is in each city.