Last update: Oct 2026

Cost of Living Comparison Between Wloclawek and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,225 in Wloclawek, rent and utilities included – about $3,700 less a year. Rent and utilities account for most of the difference.

59

Cost of Living Index in Wloclawek
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Wloclawek Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Wloclawek

🇵🇱 Poland

$1,225

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,225 in Wloclawek versus $918 in Cebu.

Wloclawek $1,225
Cebu $918

Estimated couple costs with rent: $1,650 in Wloclawek versus $1,409 in Cebu.

Wloclawek $1,650
Cebu $1,409

Monthly costs for a family of three with rent: $2,075 in Wloclawek versus $1,900 in Cebu.

Wloclawek $2,075
Cebu $1,900

Living in Wloclawek is roughly 33% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Wloclawek 9% lower, Cebu 32% lower.

Meal at Budget Restaurant

$6.52 zł 25.33

$3.09 ₱194

111.00%

Three-Course Dinner for Two, Mid-Range

$34.06 zł 132

$24.22 ₱1,525

40.63%

Fast Food Meal (McDonalds, etc)

$6.56 zł 25.48

$3.92 ₱247

67.35%

Cappuccino

$2.84 zł 11.05

$2.51 ₱158

13.15%

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

$0.79 zł 3.06

$1.59 ₱100

-50.31%

Water (0.33 liter bottle)

$0.75 zł 2.92

$0.53 ₱33.43

41.51%

Local Beer (0.5 liter draught)

$2.25 zł 8.76

$1.78 ₱112

26.40%

Imported Beer (0.33 liter bottle)

$2.33 zł 9.06

$2.17 ₱137

7.37%

Milk (1 liter)

$0.87 zł 3.36

$1.92 ₱121

-54.69%

White Bread (500g)

$1.12 zł 4.35

$1.36 ₱85.4

-17.65%

Rice (white) (1kg)

$1.30 zł 5.07

$1.01 ₱63.5

28.71%

Eggs

$2.92 zł 11.34

$2.03 ₱128

43.84%

Local Cheese (1kg)

$7.80 zł 30.31

$9.86 ₱621

-20.89%

Chicken Fillets (1kg)

$4.87 zł 18.94

$4.39 ₱277

10.93%

Beef Round Steak (1kg)

$13.09 zł 50.8

$7.60 ₱479

72.24%

Apples (1kg)

$0.80 zł 3.10

$3.30 ₱208

-75.76%

Banana (1kg)

$1.63 zł 6.32

$1.39 ₱87.8

17.27%

Oranges (1kg)

$1.72 zł 6.69

$2.33 ₱147

-26.18%

Tomato (1kg)

$2.48 zł 9.65

$1.50 ₱94.3

65.33%

Potato (1kg)

$0.73 zł 2.85

$2.36 ₱149

-69.07%

Onion (1kg)

$0.49 zł 1.91

$1.90 ₱119

-74.21%

Lettuce (1 head)

$1.00 zł 3.88

$1.19 ₱74.9

-15.97%

Water (1.5 liter bottle)

$0.57 zł 2.20

$0.63 ₱39.71

-9.52%

Cigarettes 20 Pack (Marlboro, Camel)

$4.57 zł 17.75

$3.00 ₱189

52.33%

Wine (Bottle)

$7.77 zł 30.17

$6.03 ₱379

28.86%

Local Beer (0.5 liter bottle)

$0.92 zł 3.59

$1.23 ₱77.7

-25.20%

Imported Beer (0.33 liter bottle)

$1.03 zł 4.01

$1.75 ₱110

-41.14%

One-way Ticket (Public Transport)

$0.93 zł 3.60

$0.25 ₱15.86

272.00%

Public Transport Monthly Pass (Regular Price)

$21.34 zł 82.9

$12.64 ₱796

68.83%

Taxi Start (Normal Tariff)

$1.43 zł 5.55

$0.77 ₱48.62

85.71%

Taxi (Normal Tariff) (1km)

$1.03 zł 4.02

$0.23 ₱14.53

347.83%

Taxi 1hour Waiting (Normal Tariff)

$12.89 zł 50.1

$4.46 ₱281

189.01%

Gasoline (1 liter)

$1.59 zł 6.18

$1.31 ₱82.8

21.37%

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

$19.2K zł 74.5K

$21.2K ₱1.3M

-9.69%

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

$25.2K zł 98.0K

$19.1K ₱1.2M

31.70%

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

$300 zł 1,166

$120 ₱7,569

149.67%

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

$7.99 zł 31.05

$14.00 ₱882

-42.93%

Internet (50+ Mbps, Unlimited Data)

$9.51 zł 36.93

$27.54 ₱1,734

-65.47%

Gym Membership (Monthly)

$31.90 zł 124

$32.33 ₱2,035

-1.33%

Tennis Court (1 Hour on Weekend)

$21.66 zł 84.2

$6.65 ₱419

225.71%

Cinema Ticket

$5.05 zł 19.63

$5.65 ₱356

-10.62%

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

$203 zł 790

$275 ₱17.3K

-26.10%

International Primary School, 1 Child (Yearly)

$3,804 zł 14.8K

$7,918 ₱498.5K

-51.96%

Jeans (Levis 501 Or Similar)

$51.2 zł 199

$49.33 ₱3,106

3.81%

Summer Dress (H&M, Zara, etc)

$12.72 zł 49.40

$25.24 ₱1,589

-49.60%

Sport Shoes (Adidas, Nike)

$76.4 zł 297

$77.0 ₱4,846

-0.70%

Men's Leather Business Shoes

$77.0 zł 299

$57.2 ₱3,601

34.67%

1-bedroom Apartment, City Center (Monthly)

$585 zł 2,273

$500 ₱31.5K

17.12%

1-bedroom Apartment, Outside City Center (Monthly)

$415 zł 1,612

$309 ₱19.4K

34.33%

3-bedroom Apartment, City Center (Monthly)

$809 zł 3,142

$1,078 ₱67.9K

-24.97%

3-bedroom Apartment, Outside City Center (Monthly)

$483 zł 1,875

$615 ₱38.7K

-21.54%

Buy Apartment in City Center (m2)

$2,942 zł 11.4K

$2,886 ₱181.7K

1.93%

Buy Apartment Outside City Center (m2)

$2,207 zł 8,575

$1,917 ₱120.7K

15.16%

Average Monthly Net Salary (After Tax)

$1,045 zł 4,058

$346 ₱21.8K

201.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.63

7.2

-7.92%

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

Last update for Wloclawek: 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

Wloclawek

$415 33.9%

Cebu

$309 33.6% 25.6% $106

Monthly Utilities & Internet

Wloclawek

$318 25.9%

Cebu

$162 17.6% 49.1% $156

Groceries & Markets

Wloclawek

$193 15.8%

Cebu

$206 22.4% 6.6% $13

Eating Out

Wloclawek

$128 10.5%

Cebu

$88 9.6% 31.1% $40

Clothing & Footwear

Wloclawek

$98 8%

Cebu

$94 10.2% 4% $3.9

Sport & Entertainment

Wloclawek

$42 3.4%

Cebu

$44 4.8% 3.9% $1.6

Getting Around

Wloclawek

$32 2.6%

Cebu

$16 1.7% 50.8% $16

Cost Breakdown

A one-bedroom apartment in the center runs $585 in Wloclawek and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Wloclawek pays 202% 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: $34.00 in Wloclawek vs $24.00 in Cebu. Groceries flip the comparison at $193 vs $206, with Wloclawek cheaper for home cooking.

Good to know

🇵🇱 Wloclawek

🇵🇭 Cebu

🕒 Local time

04:00 4:00 AM

10:00 10:00 AM

6 h ahead of Wloclawek

🌤 Weather

👥 Population

120,339

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

Wloclawek Cebu 10,070 km ≈ 13 h nonstop flight

From you

Wloclawek
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

Wloclawek vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and transport. The 33% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 202% higher in Wloclawek, 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: $585 in Wloclawek versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,225 per month in Wloclawek versus $918 in Cebu – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 69% less than in Wloclawek. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,225 in Wloclawek, a $1,500 budget is realistic in Cebu but tight or insufficient in Wloclawek. 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 Wloclawek, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Wloclawek 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 33% less than in Wloclawek. Beyond cost, consider language, visa policies, and how big the international community is in each city.