Last update: Oct 2026

Cost of Living Comparison Between Zawiercie and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,331 in Zawiercie, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Zawiercie
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Zawiercie Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Zawiercie

🇵🇱 Poland

$1,331

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,331 in Zawiercie versus $918 in Cebu.

Zawiercie $1,331
Cebu $918

Estimated couple costs with rent: $1,889 in Zawiercie versus $1,409 in Cebu.

Zawiercie $1,889
Cebu $1,409

Monthly costs for a family of three with rent: $2,448 in Zawiercie versus $1,900 in Cebu.

Zawiercie $2,448
Cebu $1,900

Living in Zawiercie 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: Zawiercie 1% lower, Cebu 32% lower.

Meal at Budget Restaurant

$6.43 zł 24.99

$3.09 ₱194

108.09%

Three-Course Dinner for Two, Mid-Range

$34.17 zł 133

$24.22 ₱1,525

41.08%

Fast Food Meal (McDonalds, etc)

$7.99 zł 31.06

$3.92 ₱247

103.83%

Cappuccino

$2.06 zł 8.01

$2.51 ₱158

-17.93%

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

$1.29 zł 5.03

$1.59 ₱100

-18.87%

Water (0.33 liter bottle)

$0.62 zł 2.40

$0.53 ₱33.43

16.98%

Local Beer (0.5 liter draught)

$2.77 zł 10.75

$1.78 ₱112

55.62%

Imported Beer (0.33 liter bottle)

$3.41 zł 13.24

$2.17 ₱137

57.14%

Milk (1 liter)

$0.92 zł 3.59

$1.92 ₱121

-52.08%

White Bread (500g)

$1.01 zł 3.91

$1.36 ₱85.4

-25.74%

Rice (white) (1kg)

$1.45 zł 5.63

$1.01 ₱63.5

43.56%

Eggs

$2.69 zł 10.43

$2.03 ₱128

32.51%

Local Cheese (1kg)

$7.89 zł 30.64

$9.86 ₱621

-19.98%

Chicken Fillets (1kg)

$5.34 zł 20.74

$4.39 ₱277

21.64%

Beef Round Steak (1kg)

$11.81 zł 45.90

$7.60 ₱479

55.39%

Apples (1kg)

$0.92 zł 3.59

$3.30 ₱208

-72.12%

Banana (1kg)

$1.43 zł 5.55

$1.39 ₱87.8

2.88%

Oranges (1kg)

$1.42 zł 5.51

$2.33 ₱147

-39.06%

Tomato (1kg)

$2.57 zł 9.99

$1.50 ₱94.3

71.33%

Potato (1kg)

$0.74 zł 2.87

$2.36 ₱149

-68.64%

Onion (1kg)

$0.77 zł 3.01

$1.90 ₱119

-59.47%

Lettuce (1 head)

$1.23 zł 4.79

$1.19 ₱74.9

3.36%

Water (1.5 liter bottle)

$0.49 zł 1.91

$0.63 ₱39.71

-22.22%

Cigarettes 20 Pack (Marlboro, Camel)

$4.85 zł 18.85

$3.00 ₱189

61.67%

Wine (Bottle)

$6.52 zł 25.34

$6.03 ₱379

8.13%

Local Beer (0.5 liter bottle)

$1.01 zł 3.91

$1.23 ₱77.7

-17.89%

Imported Beer (0.33 liter bottle)

$1.69 zł 6.55

$1.75 ₱110

-3.43%

One-way Ticket (Public Transport)

$1.09 zł 4.25

$0.25 ₱15.86

336.00%

Public Transport Monthly Pass (Regular Price)

$30.67 zł 119

$12.64 ₱796

142.64%

Taxi Start (Normal Tariff)

$1.73 zł 6.72

$0.77 ₱48.62

124.68%

Taxi (Normal Tariff) (1km)

$0.73 zł 2.82

$0.23 ₱14.53

217.39%

Taxi 1hour Waiting (Normal Tariff)

$10.88 zł 42.28

$4.46 ₱281

143.95%

Gasoline (1 liter)

$1.72 zł 6.67

$1.31 ₱82.8

31.30%

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

$30.8K zł 119.8K

$21.2K ₱1.3M

45.09%

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)

$268 zł 1,040

$120 ₱7,569

122.54%

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

$7.82 zł 30.39

$14.00 ₱882

-44.14%

Internet (50+ Mbps, Unlimited Data)

$10.25 zł 39.83

$27.54 ₱1,734

-62.78%

Gym Membership (Monthly)

$36.54 zł 142

$32.33 ₱2,035

13.02%

Tennis Court (1 Hour on Weekend)

$24.15 zł 93.8

$6.65 ₱419

263.16%

Cinema Ticket

$5.24 zł 20.34

$5.65 ₱356

-7.26%

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

$556 zł 2,160

$275 ₱17.3K

101.98%

International Primary School, 1 Child (Yearly)

$12.1K zł 47.0K

$7,918 ₱498.5K

52.85%

Jeans (Levis 501 Or Similar)

$70.2 zł 273

$49.33 ₱3,106

42.23%

Summer Dress (H&M, Zara, etc)

$31.49 zł 122

$25.24 ₱1,589

24.76%

Sport Shoes (Adidas, Nike)

$89.4 zł 347

$77.0 ₱4,846

16.22%

Men's Leather Business Shoes

$92.7 zł 360

$57.2 ₱3,601

62.10%

1-bedroom Apartment, City Center (Monthly)

$593 zł 2,306

$500 ₱31.5K

18.80%

1-bedroom Apartment, Outside City Center (Monthly)

$512 zł 1,990

$309 ₱19.4K

65.82%

3-bedroom Apartment, City Center (Monthly)

$984 zł 3,823

$1,078 ₱67.9K

-8.71%

3-bedroom Apartment, Outside City Center (Monthly)

$803 zł 3,118

$615 ₱38.7K

30.46%

Buy Apartment in City Center (m2)

$2,952 zł 11.5K

$2,886 ₱181.7K

2.28%

Buy Apartment Outside City Center (m2)

$2,227 zł 8,652

$1,917 ₱120.7K

16.20%

Average Monthly Net Salary (After Tax)

$876 zł 3,402

$346 ₱21.8K

153.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.19

7.2

-0.14%

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

Last update for Zawiercie: 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

Zawiercie

$512 38.5%

Cebu

$309 33.6% 39.7% $203

Monthly Utilities & Internet

Zawiercie

$286 21.5%

Cebu

$162 17.6% 43.4% $124

Groceries & Markets

Zawiercie

$189 14.2%

Cebu

$206 22.4% 8.7% $16

Eating Out

Zawiercie

$128 9.7%

Cebu

$88 9.6% 31.3% $40

Clothing & Footwear

Zawiercie

$128 9.6%

Cebu

$94 10.2% 26.5% $34

Sport & Entertainment

Zawiercie

$47 3.5%

Cebu

$44 4.8% 7.2% $3.4

Getting Around

Zawiercie

$40 3%

Cebu

$16 1.7% 61.5% $25

Cost Breakdown

A one-bedroom apartment in the center runs $593 in Zawiercie and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Zawiercie pays 153% 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 Zawiercie vs $24.00 in Cebu. Groceries flip the comparison at $189 vs $206, with Zawiercie cheaper for home cooking.

Good to know

🇵🇱 Zawiercie

🇵🇭 Cebu

🕒 Local time

16:20 4:20 PM

22:20 10:20 PM

6 h ahead of Zawiercie

🌤 Weather

👥 Population

48,412

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

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Between locations

Zawiercie Cebu 10,120 km ≈ 13 h nonstop flight

From you

Zawiercie
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

Zawiercie 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 153% higher in Zawiercie, 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: $593 in Zawiercie versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,331 per month in Zawiercie 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 143% less than in Zawiercie. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $918 in Cebu versus $1,331 in Zawiercie, a $1,500 budget is realistic in Cebu but tight or insufficient in Zawiercie. 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 Zawiercie, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zawiercie 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 Zawiercie. Beyond cost, consider language, visa policies, and how big the international community is in each city.