Last update: Oct 2026

Cost of Living Comparison Between Bjelovar and Cebu

For one person, living is cheaper in Cebu: $918 a month against $1,568 in Bjelovar, rent and utilities included – about $7,800 less a year. Other living expenses account for most of the difference.

76

Cost of Living Index in Bjelovar
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Bjelovar Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Bjelovar

🇭🇷 Croatia

$1,568

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,568 in Bjelovar versus $918 in Cebu.

Bjelovar $1,568
Cebu $918

Estimated couple costs with rent: $2,407 in Bjelovar versus $1,409 in Cebu.

Bjelovar $2,407
Cebu $1,409

Monthly costs for a family of three with rent: $3,246 in Bjelovar versus $1,900 in Cebu.

Bjelovar $3,246
Cebu $1,900

Living in Bjelovar is roughly 71% more expensive than in Cebu, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Bjelovar is 16% above, Cebu is 32% below.

Meal at Budget Restaurant

$13.19 €11.73

$3.09 ₱195

326.86%

Three-Course Dinner for Two, Mid-Range

$73.6 €65.5

$24.22 ₱1,525

203.88%

Fast Food Meal (McDonalds, etc)

$10.05 €8.94

$3.92 ₱247

156.38%

Cappuccino

$2.30 €2.04

$2.51 ₱158

-8.37%

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

$2.98 €2.65

$1.59 ₱100

87.42%

Water (0.33 liter bottle)

$1.92 €1.70

$0.53 ₱33.45

262.26%

Local Beer (0.5 liter draught)

$3.96 €3.52

$1.78 ₱112

122.47%

Imported Beer (0.33 liter bottle)

$4.43 €3.94

$2.17 ₱137

104.15%

Milk (1 liter)

$1.20 €1.07

$1.92 ₱121

-37.50%

White Bread (500g)

$1.59 €1.42

$1.36 ₱85.5

16.91%

Rice (white) (1kg)

$3.46 €3.08

$1.01 ₱63.6

242.57%

Eggs

$3.64 €3.24

$2.03 ₱128

79.31%

Local Cheese (1kg)

$15.81 €14.06

$9.86 ₱621

60.34%

Chicken Fillets (1kg)

$9.99 €8.88

$4.39 ₱277

127.56%

Beef Round Steak (1kg)

$14.49 €12.89

$7.60 ₱479

90.66%

Apples (1kg)

$1.64 €1.46

$3.30 ₱208

-50.30%

Banana (1kg)

$1.67 €1.48

$1.39 ₱87.8

20.14%

Oranges (1kg)

$1.90 €1.69

$2.33 ₱147

-18.45%

Tomato (1kg)

$2.59 €2.31

$1.50 ₱94.3

72.67%

Potato (1kg)

$1.37 €1.22

$2.36 ₱149

-41.95%

Onion (1kg)

$1.32 €1.17

$1.90 ₱119

-30.53%

Lettuce (1 head)

$1.35 €1.20

$1.19 ₱74.9

13.45%

Water (1.5 liter bottle)

$1.31 €1.17

$0.63 ₱39.73

107.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.78 €5.14

$3.00 ₱189

92.67%

Wine (Bottle)

$7.88 €7.00

$6.03 ₱380

30.68%

Local Beer (0.5 liter bottle)

$1.61 €1.43

$1.23 ₱77.7

30.89%

Imported Beer (0.33 liter bottle)

$2.11 €1.88

$1.75 ₱110

20.57%

One-way Ticket (Public Transport)

$1.56 €1.39

$0.25 ₱15.87

524.00%

Public Transport Monthly Pass (Regular Price)

$40.23 €35.78

$12.64 ₱796

218.28%

Taxi Start (Normal Tariff)

$3.28 €2.92

$0.77 ₱48.64

325.97%

Taxi (Normal Tariff) (1km)

$1.47 €1.31

$0.23 ₱14.54

539.13%

Taxi 1hour Waiting (Normal Tariff)

$13.39 €11.91

$4.46 ₱281

200.22%

Gasoline (1 liter)

$1.71 €1.52

$1.31 ₱82.8

30.53%

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

$26.3K €23.4K

$21.2K ₱1.3M

23.73%

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

$24.5K €21.8K

$19.1K ₱1.2M

28.14%

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

$190 €169

$120 ₱7,573

58.23%

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

$24.31 €21.62

$14.00 ₱882

73.64%

Internet (50+ Mbps, Unlimited Data)

$38.95 €34.65

$27.54 ₱1,735

41.43%

Gym Membership (Monthly)

$50.8 €45.17

$32.33 ₱2,036

57.10%

Tennis Court (1 Hour on Weekend)

$16.18 €14.39

$6.65 ₱419

143.31%

Cinema Ticket

$6.60 €5.87

$5.65 ₱356

16.81%

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

$537 €478

$275 ₱17.3K

95.05%

International Primary School, 1 Child (Yearly)

$13.0K €11.6K

$7,918 ₱498.8K

64.45%

Jeans (Levis 501 Or Similar)

$99.2 €88.3

$49.33 ₱3,107

101.18%

Summer Dress (H&M, Zara, etc)

$41.10 €36.55

$25.24 ₱1,590

62.84%

Sport Shoes (Adidas, Nike)

$103 €92.0

$77.0 ₱4,848

34.39%

Men's Leather Business Shoes

$111 €98.6

$57.2 ₱3,603

93.86%

1-bedroom Apartment, City Center (Monthly)

$691 €614

$500 ₱31.5K

38.28%

1-bedroom Apartment, Outside City Center (Monthly)

$531 €472

$309 ₱19.5K

71.80%

3-bedroom Apartment, City Center (Monthly)

$1,171 €1,041

$1,078 ₱67.9K

8.62%

3-bedroom Apartment, Outside City Center (Monthly)

$886 €788

$615 ₱38.8K

43.97%

Buy Apartment in City Center (m2)

$3,947 €3,511

$2,886 ₱181.8K

36.76%

Buy Apartment Outside City Center (m2)

$3,064 €2,726

$1,917 ₱120.7K

59.89%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

7.2

-48.19%

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

Last update for Bjelovar: 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

Bjelovar

$531 33.8%

Cebu

$309 33.6% 41.8% $222

Groceries & Markets

Bjelovar

$292 18.6%

Cebu

$206 22.4% 29.5% $86

Monthly Utilities & Internet

Bjelovar

$254 16.2%

Cebu

$162 17.6% 36.2% $92

Eating Out

Bjelovar

$212 13.5%

Cebu

$88 9.6% 58.3% $123

Clothing & Footwear

Bjelovar

$160 10.2%

Cebu

$94 10.2% 41.1% $66

Sport & Entertainment

Bjelovar

$64 4.1%

Cebu

$44 4.8% 31.8% $20

Getting Around

Bjelovar

$57 3.6%

Cebu

$16 1.7% 72.8% $42

Cost Breakdown

A one-bedroom apartment in the center runs $691 in Bjelovar and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $74.0 in Bjelovar vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $292 vs $206 per month, with Cebu cheaper across the board.

Good to know

🇭🇷 Bjelovar

🇵🇭 Cebu

🕒 Local time

18:32 6:32 PM

00:32 12:32 AM

6 h ahead of Bjelovar

🌤 Weather

👥 Population

36,316

964,169

💱 Currency

Euro EUR €

Philippine Peso PHP ₱

📈 Exchange rate

1 EUR = 1.12 USD

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Bjelovar Cebu 10,470 km ≈ 14 h nonstop flight

From you

Bjelovar
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

Bjelovar vs Cebu: Cost of Living - Frequently Asked Questions

Bjelovar and Cebu differ by about 71% in total monthly costs ($1,568 vs $918 including rent). Cebu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,352 in Bjelovar and $1,377 in Cebu to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $691 in Bjelovar versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Cebu – a meal for two runs $24.00 versus $74.0 in Bjelovar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,568 per month in Bjelovar versus $918 in Cebu – a 71% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,568 in Bjelovar, a $1,500 budget is realistic in Cebu but tight or insufficient in Bjelovar. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

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, Bjelovar 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 71% less than in Bjelovar. Beyond cost, consider language, visa policies, and how big the international community is in each city.