Last update: Oct 2026

Cost of Living Comparison Between Cebu and Bjelovar

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.

45

Cost of Living Index in Cebu
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Cebu Living Index
76

Cost of Living Index in Bjelovar
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Bjelovar Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Bjelovar

🇭🇷 Croatia

$1,568

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Bjelovar

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 Bjelovar actually costs, broken down by who's living it.

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

Cebu $918
Bjelovar $1,568

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

Cebu $1,409
Bjelovar $2,407

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

Cebu $1,900
Bjelovar $3,246

Living in Cebu costs roughly 41% less than in Bjelovar, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$3.09 ₱194

$13.19 €11.73

-76.57%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$73.6 €65.5

-67.09%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$10.05 €8.94

-61.00%

Cappuccino

$2.51 ₱158

$2.30 €2.04

9.13%

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

$1.59 ₱100

$2.98 €2.65

-46.64%

Water (0.33 liter bottle)

$0.53 ₱33.43

$1.92 €1.70

-72.40%

Local Beer (0.5 liter draught)

$1.78 ₱112

$3.96 €3.52

-55.05%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$4.43 €3.94

-51.02%

Milk (1 liter)

$1.92 ₱121

$1.20 €1.07

60.00%

White Bread (500g)

$1.36 ₱85.4

$1.59 €1.42

-14.47%

Rice (white) (1kg)

$1.01 ₱63.5

$3.46 €3.08

-70.81%

Eggs

$2.03 ₱128

$3.64 €3.24

-44.23%

Local Cheese (1kg)

$9.86 ₱621

$15.81 €14.07

-37.63%

Chicken Fillets (1kg)

$4.39 ₱277

$9.99 €8.88

-56.06%

Beef Round Steak (1kg)

$7.60 ₱479

$14.49 €12.89

-47.55%

Apples (1kg)

$3.30 ₱208

$1.64 €1.46

101.22%

Banana (1kg)

$1.39 ₱87.8

$1.67 €1.48

-16.77%

Oranges (1kg)

$2.33 ₱147

$1.90 €1.69

22.63%

Tomato (1kg)

$1.50 ₱94.3

$2.59 €2.31

-42.08%

Potato (1kg)

$2.36 ₱149

$1.37 €1.22

72.26%

Onion (1kg)

$1.90 ₱119

$1.32 €1.17

43.94%

Lettuce (1 head)

$1.19 ₱74.9

$1.35 €1.20

-11.85%

Water (1.5 liter bottle)

$0.63 ₱39.71

$1.31 €1.17

-51.91%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$5.78 €5.14

-48.10%

Wine (Bottle)

$6.03 ₱379

$7.88 €7.01

-23.48%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$1.61 €1.43

-23.60%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$2.11 €1.88

-17.06%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$1.56 €1.39

-83.97%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$40.23 €35.79

-68.58%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$3.28 €2.92

-76.52%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$1.47 €1.31

-84.35%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$13.39 €11.91

-66.69%

Gasoline (1 liter)

$1.31 ₱82.8

$1.71 €1.52

-23.39%

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

$21.2K ₱1.3M

$26.3K €23.4K

-19.18%

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

$19.1K ₱1.2M

$24.5K €21.8K

-21.96%

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

$120 ₱7,569

$190 €169

-36.80%

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

$14.00 ₱882

$24.31 €21.62

-42.41%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$38.95 €34.65

-29.29%

Gym Membership (Monthly)

$32.33 ₱2,035

$50.8 €45.18

-36.35%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$16.18 €14.39

-58.90%

Cinema Ticket

$5.65 ₱356

$6.60 €5.87

-14.39%

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

$275 ₱17.3K

$537 €478

-48.73%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$13.0K €11.6K

-39.19%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$99.2 €88.3

-50.29%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$41.10 €36.55

-38.59%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$103 €92.0

-25.59%

Men's Leather Business Shoes

$57.2 ₱3,601

$111 €98.6

-48.42%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$691 €614

-27.68%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$531 €472

-41.79%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$1,171 €1,041

-7.93%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$886 €788

-30.54%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$3,947 €3,511

-26.88%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$3,064 €2,726

-37.46%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.73

93.03%

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

Last update for Cebu: October 12, 2026

Last update for Bjelovar: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Bjelovar

$531 33.8% 71.8% $222

Groceries & Markets

Cebu

$206 22.4%

Bjelovar

$292 18.6% 41.8% $86

Monthly Utilities & Internet

Cebu

$162 17.6%

Bjelovar

$254 16.2% 56.7% $92

Clothing & Footwear

Cebu

$94 10.2%

Bjelovar

$160 10.2% 69.9% $66

Eating Out

Cebu

$88 9.6%

Bjelovar

$212 13.5% 140% $123

Sport & Entertainment

Cebu

$44 4.8%

Bjelovar

$64 4.1% 46.7% $20

Getting Around

Cebu

$16 1.7%

Bjelovar

$57 3.6% 267% $42

Cost Breakdown

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

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

Good to know

🇵🇭 Cebu

🇭🇷 Bjelovar

🕒 Local time

01:20 1:20 AM

19:20 7:20 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

36,316

💱 Currency

Philippine Peso PHP ₱

Euro EUR €

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD 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).

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

USD to PHP in detail →

On the map

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Between locations

Cebu Bjelovar 10,470 km ≈ 14 h nonstop flight

From you

Cebu
Bjelovar

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 Bjelovar: Cost of Living - Frequently Asked Questions

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

You'd need roughly $1,377 in Cebu and $2,352 in Bjelovar 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: $500 in Cebu versus $691 in Bjelovar. 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 $918 per month in Cebu versus $1,568 in Bjelovar – 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, Cebu and Bjelovar 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.