Moving from Kraków to Cebu City (2026)
Cebu City has a COL index of 37 vs 55 for Kraków (100 = US average). You'd pay about 33% less for the same lifestyle.
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Key differences
Salary needed in Cebu City to match your Kraków lifestyle
Based on the 33% cost of living decrease between the two cities.
| Your salary in Kraków | Equivalent in Cebu City |
|---|---|
| $40K | $26,909 |
| $50K | $33,636 |
| $60K | $40,364 |
| $75K | $50,455 |
| $80K | $53,818 |
| $100K | $67,273 |
| $120K | $80,727 |
| $150K | $100,909 |
💵 Household income (before tax)
Monthly budget at $75K — Kraków vs Cebu City
| Expense | Kraków | Cebu City |
|---|---|---|
| Monthly take-home | $3,991 | $4,741 |
| 1BR rent | $750 | $400 |
| Groceries | $380 | $380 |
| Transport | $150 | $150 |
| Utilities | $90 | $55 |
| Internet | $25 | $25 |
| Left after essentials | $2,596 | $3,731 |
30-Year Wealth Builder
If you invest your monthly savings of $385 in a low-cost index fund (7% avg return), you'd accumulate an extra:
over 30 years compared to staying in Kraków — that's the real price of a city.
Frequently asked questions
Is Cebu City cheaper than Kraków?
Yes. Cebu City has a cost of living index of 37 vs 55 for Kraków (100 = US average). That's about 33% cheaper.
How much will I save moving from Kraków to Cebu City?
On a $75K salary, moving from Kraków to Cebu City saves roughly $1,100/month on core expenses. That's ~$13,200/year.
What salary do I need in Cebu City to match my Kraków lifestyle?
To maintain the same purchasing power as $75,000 in Kraków, you'd need roughly $50,455/year in Cebu City. This is based on the overall COL index difference.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates. Zillow · BLS · Numbeo · For general guidance only