Last update: Oct 2026

Cost of Living Comparison Between Zamosc and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,330 in Zamosc, rent and utilities included – about $4,900 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Zamosc
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Zamosc Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Zamosc

🇵🇱 Poland

$1,330

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,330 in Zamosc versus $918 in Cebu.

Zamosc $1,330
Cebu $918

Estimated couple costs with rent: $2,049 in Zamosc versus $1,409 in Cebu.

Zamosc $2,049
Cebu $1,409

Monthly costs for a family of three with rent: $2,767 in Zamosc versus $1,900 in Cebu.

Zamosc $2,767
Cebu $1,900

Living in Zamosc is roughly 45% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Zamosc 1% lower, Cebu 32% lower.

Meal at Budget Restaurant

$9.56 zł 37.14

$3.09 ₱195

209.39%

Three-Course Dinner for Two, Mid-Range

$38.19 zł 148

$24.22 ₱1,525

57.68%

Fast Food Meal (McDonalds, etc)

$7.46 zł 28.97

$3.92 ₱247

90.31%

Cappuccino

$2.98 zł 11.60

$2.51 ₱158

18.73%

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

$1.87 zł 7.27

$1.59 ₱100

17.61%

Water (0.33 liter bottle)

$1.52 zł 5.90

$0.53 ₱33.45

186.79%

Local Beer (0.5 liter draught)

$3.36 zł 13.05

$1.78 ₱112

88.76%

Imported Beer (0.33 liter bottle)

$3.06 zł 11.89

$2.17 ₱137

41.01%

Milk (1 liter)

$1.06 zł 4.10

$1.92 ₱121

-44.79%

White Bread (500g)

$1.02 zł 3.98

$1.36 ₱85.5

-25.00%

Rice (white) (1kg)

$2.22 zł 8.63

$1.01 ₱63.6

119.80%

Eggs

$3.39 zł 13.16

$2.03 ₱128

67.00%

Local Cheese (1kg)

$9.25 zł 35.95

$9.86 ₱621

-6.19%

Chicken Fillets (1kg)

$5.31 zł 20.61

$4.39 ₱277

20.96%

Beef Round Steak (1kg)

$14.73 zł 57.2

$7.60 ₱479

93.82%

Apples (1kg)

$1.13 zł 4.39

$3.30 ₱208

-65.76%

Banana (1kg)

$1.57 zł 6.09

$1.39 ₱87.8

12.95%

Oranges (1kg)

$1.52 zł 5.89

$2.33 ₱147

-34.76%

Tomato (1kg)

$2.00 zł 7.78

$1.50 ₱94.3

33.33%

Potato (1kg)

$0.70 zł 2.74

$2.36 ₱149

-70.34%

Onion (1kg)

$1.18 zł 4.58

$1.90 ₱119

-37.89%

Lettuce (1 head)

$0.79 zł 3.07

$1.19 ₱74.9

-33.61%

Water (1.5 liter bottle)

$0.39 zł 1.52

$0.63 ₱39.73

-38.10%

Cigarettes 20 Pack (Marlboro, Camel)

$5.12 zł 19.89

$3.00 ₱189

70.67%

Wine (Bottle)

$5.18 zł 20.12

$6.03 ₱380

-14.10%

Local Beer (0.5 liter bottle)

$1.05 zł 4.07

$1.23 ₱77.7

-14.63%

Imported Beer (0.33 liter bottle)

$1.30 zł 5.05

$1.75 ₱110

-25.71%

One-way Ticket (Public Transport)

$1.03 zł 3.98

$0.25 ₱15.87

312.00%

Public Transport Monthly Pass (Regular Price)

$33.69 zł 131

$12.64 ₱796

166.53%

Taxi Start (Normal Tariff)

$2.09 zł 8.13

$0.77 ₱48.64

171.43%

Taxi (Normal Tariff) (1km)

$0.69 zł 2.67

$0.23 ₱14.54

200.00%

Taxi 1hour Waiting (Normal Tariff)

$12.78 zł 49.66

$4.46 ₱281

186.55%

Gasoline (1 liter)

$1.56 zł 6.06

$1.31 ₱82.8

19.08%

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

$30.3K zł 117.9K

$21.2K ₱1.3M

42.82%

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

$27.2K zł 105.5K

$19.1K ₱1.2M

41.82%

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

$254 zł 988

$120 ₱7,573

111.51%

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

$8.51 zł 33.05

$14.00 ₱882

-39.21%

Internet (50+ Mbps, Unlimited Data)

$17.44 zł 67.8

$27.54 ₱1,735

-36.67%

Gym Membership (Monthly)

$38.28 zł 149

$32.33 ₱2,036

18.40%

Tennis Court (1 Hour on Weekend)

$22.83 zł 88.7

$6.65 ₱419

243.31%

Cinema Ticket

$6.30 zł 24.49

$5.65 ₱356

11.50%

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

$357 zł 1,389

$275 ₱17.3K

29.82%

International Primary School, 1 Child (Yearly)

$4,324 zł 16.8K

$7,918 ₱498.8K

-45.40%

Jeans (Levis 501 Or Similar)

$97.9 zł 380

$49.33 ₱3,107

98.38%

Summer Dress (H&M, Zara, etc)

$36.81 zł 143

$25.24 ₱1,590

45.84%

Sport Shoes (Adidas, Nike)

$86.5 zł 336

$77.0 ₱4,848

12.41%

Men's Leather Business Shoes

$90.0 zł 350

$57.2 ₱3,603

57.31%

1-bedroom Apartment, City Center (Monthly)

$617 zł 2,396

$500 ₱31.5K

23.47%

1-bedroom Apartment, Outside City Center (Monthly)

$441 zł 1,713

$309 ₱19.5K

42.80%

3-bedroom Apartment, City Center (Monthly)

$942 zł 3,661

$1,078 ₱67.9K

-12.59%

3-bedroom Apartment, Outside City Center (Monthly)

$938 zł 3,644

$615 ₱38.8K

52.45%

Buy Apartment in City Center (m2)

$3,330 zł 12.9K

$2,886 ₱181.8K

15.40%

Buy Apartment Outside City Center (m2)

$2,339 zł 9,089

$1,917 ₱120.7K

22.06%

Average Monthly Net Salary (After Tax)

$769 zł 2,989

$346 ₱21.8K

122.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

7.2

-1.81%

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

Last update for Zamosc: 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

Zamosc

$441 33.2%

Cebu

$309 33.6% 30% $132

Monthly Utilities & Internet

Zamosc

$280 21.1%

Cebu

$162 17.6% 42.3% $118

Groceries & Markets

Zamosc

$203 15.3%

Cebu

$206 22.4% 1.2% $2.5

Eating Out

Zamosc

$171 12.9%

Cebu

$88 9.6% 48.4% $83

Clothing & Footwear

Zamosc

$140 10.5%

Cebu

$94 10.2% 32.9% $46

Sport & Entertainment

Zamosc

$51 3.8%

Cebu

$44 4.8% 14.3% $7.3

Getting Around

Zamosc

$43 3.3%

Cebu

$16 1.7% 64.1% $28

Cost Breakdown

A one-bedroom apartment in the center runs $617 in Zamosc and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Zamosc pays 122% 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: $38.00 in Zamosc vs $24.00 in Cebu. Groceries flip the comparison at $203 vs $206, with Zamosc cheaper for home cooking.

Good to know

🇵🇱 Zamosc

🇵🇭 Cebu

🕒 Local time

19:44 7:44 PM

01:44 1:44 AM

6 h ahead of Zamosc

🌤 Weather

👥 Population

62,368

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 = 62.99 PHP (100 PHP = 1.59 USD). 1 EUR = 70.82 PHP (100 PHP = 1.41 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Zamosc Cebu 9,860 km ≈ 13 h nonstop flight

From you

Zamosc
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

Zamosc vs Cebu: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in eating out, clothing, and leisure. The 45% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 122% higher in Zamosc, 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: $617 in Zamosc versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,330 per month in Zamosc versus $918 in Cebu – a 45% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 167% less than in Zamosc. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,330 in Zamosc, a $1,500 budget is realistic in Cebu but tight or insufficient in Zamosc. 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 Zamosc, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zamosc 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 45% less than in Zamosc. Beyond cost, consider language, visa policies, and how big the international community is in each city.