Last update: Oct 2026

Cost of Living Comparison Between Bila Tserkva and Cebu

For one person, living is cheaper in Bila Tserkva: $678 a month against $918 in Cebu, rent and utilities included – about $2,900 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Bila Tserkva
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Bila Tserkva Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Bila Tserkva

🇺🇦 Ukraine

$678

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $678 in Bila Tserkva versus $918 in Cebu.

Bila Tserkva $678
Cebu $918

Estimated couple costs with rent: $1,059 in Bila Tserkva versus $1,409 in Cebu.

Bila Tserkva $1,059
Cebu $1,409

Monthly costs for a family of three with rent: $1,439 in Bila Tserkva versus $1,900 in Cebu.

Bila Tserkva $1,439
Cebu $1,900

Living in Bila Tserkva costs roughly 26% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Bila Tserkva 50% lower, Cebu 32% lower.

Meal at Budget Restaurant

$8.72 ₴391

$3.09 ₱195

182.20%

Three-Course Dinner for Two, Mid-Range

$25.99 ₴1,166

$24.22 ₱1,525

7.31%

Fast Food Meal (McDonalds, etc)

$5.47 ₴245

$3.92 ₱247

39.54%

Cappuccino

$1.43 ₴64.0

$2.51 ₱158

-43.03%

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

$0.58 ₴26.09

$1.59 ₱100

-63.52%

Water (0.33 liter bottle)

$0.34 ₴15.32

$0.53 ₱33.45

-35.85%

Local Beer (0.5 liter draught)

$0.92 ₴41.21

$1.78 ₱112

-48.31%

Imported Beer (0.33 liter bottle)

$1.56 ₴70.2

$2.17 ₱137

-28.11%

Milk (1 liter)

$1.19 ₴53.3

$1.92 ₱121

-38.02%

White Bread (500g)

$0.84 ₴37.66

$1.36 ₱85.5

-38.24%

Rice (white) (1kg)

$1.36 ₴61.2

$1.01 ₱63.6

34.65%

Eggs

$1.71 ₴76.8

$2.03 ₱128

-15.76%

Local Cheese (1kg)

$11.63 ₴522

$9.86 ₱621

17.95%

Chicken Fillets (1kg)

$4.02 ₴180

$4.39 ₱277

-8.43%

Beef Round Steak (1kg)

$6.24 ₴280

$7.60 ₱479

-17.89%

Apples (1kg)

$1.13 ₴50.9

$3.30 ₱208

-65.76%

Banana (1kg)

$1.40 ₴63.0

$1.39 ₱87.8

0.72%

Oranges (1kg)

$1.19 ₴53.6

$2.33 ₱147

-48.93%

Tomato (1kg)

$2.47 ₴111

$1.50 ₱94.3

64.67%

Potato (1kg)

$0.95 ₴42.75

$2.36 ₱149

-59.75%

Onion (1kg)

$0.46 ₴20.47

$1.90 ₱119

-75.79%

Lettuce (1 head)

$1.71 ₴76.6

$1.19 ₱74.9

43.70%

Water (1.5 liter bottle)

$0.48 ₴21.53

$0.63 ₱39.73

-23.81%

Cigarettes 20 Pack (Marlboro, Camel)

$3.51 ₴157

$3.00 ₱189

17.00%

Wine (Bottle)

$3.37 ₴151

$6.03 ₱380

-44.11%

Local Beer (0.5 liter bottle)

$0.64 ₴28.87

$1.23 ₱77.7

-47.97%

Imported Beer (0.33 liter bottle)

$1.43 ₴64.1

$1.75 ₱110

-18.29%

One-way Ticket (Public Transport)

$0.32 ₴14.24

$0.25 ₱15.87

28.00%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$1.82 ₴81.8

$0.77 ₱48.64

136.36%

Taxi (Normal Tariff) (1km)

$0.56 ₴25.27

$0.23 ₱14.54

143.48%

Taxi 1hour Waiting (Normal Tariff)

$5.27 ₴236

$4.46 ₱281

18.16%

Gasoline (1 liter)

$1.66 ₴74.7

$1.31 ₱82.8

26.72%

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

$29.2K ₴1.3M

$21.2K ₱1.3M

37.55%

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

$23.0K ₴1.0M

$19.1K ₱1.2M

20.33%

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

$84.9 ₴3,812

$120 ₱7,573

-29.37%

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

$6.04 ₴271

$14.00 ₱882

-56.86%

Internet (50+ Mbps, Unlimited Data)

$4.46 ₴200

$27.54 ₱1,735

-83.81%

Gym Membership (Monthly)

$33.56 ₴1,506

$32.33 ₱2,036

3.80%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$4.61 ₴207

$5.65 ₱356

-18.41%

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

$225 ₴10.1K

$275 ₱17.3K

-18.44%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.8K

Jeans (Levis 501 Or Similar)

$40.79 ₴1,831

$49.33 ₱3,107

-17.31%

Summer Dress (H&M, Zara, etc)

$27.57 ₴1,237

$25.24 ₱1,590

9.23%

Sport Shoes (Adidas, Nike)

$70.4 ₴3,158

$77.0 ₱4,848

-8.59%

Men's Leather Business Shoes

$77.3 ₴3,468

$57.2 ₱3,603

35.07%

1-bedroom Apartment, City Center (Monthly)

$200 ₴8,958

$500 ₱31.5K

-60.05%

1-bedroom Apartment, Outside City Center (Monthly)

$156 ₴6,981

$309 ₱19.5K

-49.64%

3-bedroom Apartment, City Center (Monthly)

$339 ₴15.2K

$1,078 ₱67.9K

-68.53%

3-bedroom Apartment, Outside City Center (Monthly)

$268 ₴12.0K

$615 ₱38.8K

-56.46%

Buy Apartment in City Center (m2)

$2,886 ₱181.8K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$474 ₴21.3K

$346 ₱21.8K

37.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

15.25

7.2

111.81%

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

Last update for Bila Tserkva: October 10, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Bila Tserkva

$167 24.6%

Cebu

$206 22.4% 23.6% $39

Accommodation & Living

Bila Tserkva

$156 22.9%

Cebu

$309 33.6% 98.6% $153

Eating Out

Bila Tserkva

$115 16.9%

Cebu

$88 9.6% 23% $26

Clothing & Footwear

Bila Tserkva

$97 14.3%

Cebu

$94 10.2% 3.3% $3.3

Monthly Utilities & Internet

Bila Tserkva

$95 14.1%

Cebu

$162 17.6% 69.5% $66

Sport & Entertainment

Bila Tserkva

$43 6.3%

Cebu

$44 4.8% 1.9% $0.8

Getting Around

Bila Tserkva

$5.9 * 0.9%

Cebu

$16 1.7% 164% $9.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $200 in Bila Tserkva and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Bila Tserkva pays 37% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $26.00 in Bila Tserkva vs $24.00 in Cebu. Groceries flip the comparison at $167 vs $206, with Bila Tserkva cheaper for home cooking.

Good to know

🇺🇦 Bila Tserkva

🇵🇭 Cebu

🕒 Local time

18:39 6:39 PM

23:39 11:39 PM

5 h ahead of Bila Tserkva

🌤 Weather

👥 Population

209,815

964,169

💱 Currency

Ukrainian Hryvnia UAH ₴

Philippine Peso PHP ₱

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to UAH – Ukrainian Hryvnia Converter

🇺🇸 United States Dollar ($)

🇺🇦 Ukrainian Hryvnia (₴)

Ukrainian Hryvnia exchange rates as of October 17, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.47 UAH (100 UAH = 1.98 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 UAH in detail →

On the map

Lowest

Highest

Between locations

Bila Tserkva Cebu 9,400 km ≈ 12 h nonstop flight

From you

Bila Tserkva
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

Bila Tserkva vs Cebu: Cost of Living - Frequently Asked Questions

Bila Tserkva and Cebu differ by about 35% in total monthly costs ($678 vs $918 including rent). Bila Tserkva is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 37% higher in Bila Tserkva, 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: $200 in Bila Tserkva versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 24% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $678 per month in Bila Tserkva versus $918 in Cebu – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,200 a month, though Bila Tserkva gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Bila Tserkva 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 Bila Tserkva gentler on the wallet – expenses run 35% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.