Last update: Oct 2026

Cost of Living Comparison Between Cebu and Bila Tserkva

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.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
33

Cost of Living Index in Bila Tserkva
Learn more

Bila Tserkva Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Bila Tserkva

🇺🇦 Ukraine

$678

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Bila Tserkva

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cebu and in Bila Tserkva actually costs, broken down by who's living it.

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

Cebu $918
Bila Tserkva $678

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

Cebu $1,409
Bila Tserkva $1,059

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

Cebu $1,900
Bila Tserkva $1,439

Living in Cebu is roughly 35% more expensive than in Bila Tserkva, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$3.09 ₱194

$8.72 ₴391

-64.56%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$25.99 ₴1,166

-6.81%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$5.47 ₴245

-28.34%

Cappuccino

$2.51 ₱158

$1.43 ₴64.0

75.52%

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

$1.59 ₱100

$0.58 ₴26.09

174.14%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.34 ₴15.32

55.88%

Local Beer (0.5 liter draught)

$1.78 ₱112

$0.92 ₴41.21

93.48%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.56 ₴70.2

39.10%

Milk (1 liter)

$1.92 ₱121

$1.19 ₴53.3

61.34%

White Bread (500g)

$1.36 ₱85.4

$0.84 ₴37.66

61.90%

Rice (white) (1kg)

$1.01 ₱63.5

$1.36 ₴61.2

-25.74%

Eggs

$2.03 ₱128

$1.71 ₴76.8

18.71%

Local Cheese (1kg)

$9.86 ₱621

$11.63 ₴522

-15.22%

Chicken Fillets (1kg)

$4.39 ₱277

$4.02 ₴180

9.20%

Beef Round Steak (1kg)

$7.60 ₱479

$6.24 ₴280

21.79%

Apples (1kg)

$3.30 ₱208

$1.13 ₴50.9

192.04%

Banana (1kg)

$1.39 ₱87.8

$1.40 ₴63.0

-0.71%

Oranges (1kg)

$2.33 ₱147

$1.19 ₴53.6

95.80%

Tomato (1kg)

$1.50 ₱94.3

$2.47 ₴111

-39.27%

Potato (1kg)

$2.36 ₱149

$0.95 ₴42.75

148.42%

Onion (1kg)

$1.90 ₱119

$0.46 ₴20.47

313.04%

Lettuce (1 head)

$1.19 ₱74.9

$1.71 ₴76.6

-30.41%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.48 ₴21.53

31.25%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.51 ₴157

-14.53%

Wine (Bottle)

$6.03 ₱379

$3.37 ₴151

78.93%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.64 ₴28.87

92.19%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.43 ₴64.1

22.38%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.32 ₴14.24

-21.88%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.82 ₴81.8

-57.69%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.56 ₴25.27

-58.93%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$5.27 ₴236

-15.37%

Gasoline (1 liter)

$1.31 ₱82.8

$1.66 ₴74.7

-21.08%

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

$21.2K ₱1.3M

$29.2K ₴1.3M

-27.30%

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

$19.1K ₱1.2M

$23.0K ₴1.0M

-16.90%

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

$120 ₱7,569

$84.9 ₴3,812

41.58%

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

$14.00 ₱882

$6.04 ₴271

131.79%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$4.46 ₴200

517.49%

Gym Membership (Monthly)

$32.33 ₱2,035

$33.56 ₴1,506

-3.67%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$5.65 ₱356

$4.61 ₴207

22.56%

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

$275 ₱17.3K

$225 ₴10.1K

22.61%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$40.79 ₴1,831

20.94%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$27.57 ₴1,237

-8.45%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$70.4 ₴3,158

9.40%

Men's Leather Business Shoes

$57.2 ₱3,601

$77.3 ₴3,468

-25.96%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$200 ₴8,958

150.29%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$156 ₴6,981

98.57%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$339 ₴15.2K

217.74%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$268 ₴12.0K

129.69%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$474 ₴21.3K

-27.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

15.25

-52.79%

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

Last update for Cebu: October 12, 2026

Last update for Bila Tserkva: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Bila Tserkva

$156 22.9% 49.6% $153

Groceries & Markets

Cebu

$206 22.4%

Bila Tserkva

$167 24.6% 19.1% $39

Monthly Utilities & Internet

Cebu

$162 17.6%

Bila Tserkva

$95 14.1% 41% $66

Clothing & Footwear

Cebu

$94 10.2%

Bila Tserkva

$97 14.3% 3.5% $3.3

Eating Out

Cebu

$88 9.6%

Bila Tserkva

$115 16.9% 29.9% $26

Sport & Entertainment

Cebu

$44 4.8%

Bila Tserkva

$43 6.3% 1.9% $0.8

Getting Around

Cebu

$16 1.7%

Bila Tserkva

$5.9 * 0.9% 62% $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 $500 in Cebu and $200 in Bila Tserkva. 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: $24.00 in Cebu vs $26.00 in Bila Tserkva. Groceries flip the comparison at $206 vs $167, with Bila Tserkva cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇺🇦 Bila Tserkva

🕒 Local time

00:36 12:36 AM

19:36 7:36 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

209,815

💱 Currency

Philippine Peso PHP ₱

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

Exchange rates and currency converter

UAH, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

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).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

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

From you

Cebu
Bila Tserkva

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

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

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

On paper, salaries run 37% lower in Bila Tserkva. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $500 in Cebu versus $200 in Bila Tserkva. 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 $918 per month in Cebu versus $678 in Bila Tserkva – 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, Cebu and Bila Tserkva 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.