Cebu City wins overall by ~31% (COL index)
Cost of living: Cebu City vs Warsaw (2026)
A $75,000 salary in Cebu City buys roughly what $109,459 does in Warsaw (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$17,942/yr
Favoring Cebu City for this income & household (illustrative).
With the extra $1,495/mo, you could pay down a $15,000 card balance in ~11 months and still keep ~$179/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Cebu City Cebu | Warsaw Masovian Voivodeship | Who wins | Your impact at $75K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $280Wins | $550 | Cebu City wins +$270/mo | $3,240/yr saves in Cebu City |
| 1BR rent/mo | $400Wins | $750 | Cebu City wins +$350/mo | $4,200/yr saves in Cebu City |
| 2BR rent/mo | $650Wins | $1,200 | Cebu City wins +$550/mo | $6,600/yr saves in Cebu City |
| Median home price | — | — | — | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | — | — | — | — |
| Budget meal (1 person) | $3Wins | $8 | Cebu City wins +$5/mo | — |
| Mid-range dinner (2) | $12Wins | $35 | Cebu City wins +$23/mo | $276/yr saves in Cebu City |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | — | — | — | — |
| Gas price/gal | — | — | — | — |
| Car insurance/mo | — | — | — | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $55Wins | $95 | Cebu City wins +$40/mo | $480/yr saves in Cebu City |
| Internet/mo | $25 | $20Wins | Warsaw wins −$5/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | — | — | — | — |
| State income tax% | 0.0%Wins | 17.0% | Cebu City wins +17.0 pp | $12,750/yr saves in Cebu City |
| Sales tax (combined)% | 12.0%Wins | 23.0% | Cebu City wins +11.0 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | — | — | — | — |
| Gym membership/mo | $25Wins | $35 | Cebu City wins +$10/mo | — |
| Beer at restaurant | — | — | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 37Wins | 54 | Cebu City wins +17 | — |
| Walk score / 100 | 55 | 72Wins | Warsaw wins +17 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$12,756/yr tax difference into cash back
Cebu City fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Cebu City.
High-yield savings
Park ~$4,200/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Cebu City cheaper than Warsaw?
Yes. Cebu City is 31% cheaper than Warsaw based on overall cost of living indices (37 vs 54, where 100 = US average).
What is the average rent in Cebu City vs Warsaw?
As of Q1 2026, the median 1-bedroom rent in Cebu City is $400/month and in Warsaw is $750/month. Cebu City is cheaper by 47%.
How much do I need to earn in Warsaw to match a $75,000 salary in Cebu City?
To maintain a similar lifestyle, you would need approximately $109,459/year in Warsaw to match a $75,000 salary in Cebu City. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Cebu City or Warsaw?
Cebu City has the lower state income tax rate at 0% vs 17%. Cebu City has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Cebu City to Warsaw?
It depends on your priorities. Cebu City offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Cebu City ↔ Warsaw
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