Last update: Oct 2026

Cost of Living Comparison Between Cebu and Kyustendil

For one person, living is cheaper in Kyustendil: $796 a month against $918 in Cebu, rent and utilities included – about $1,500 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
39

Cost of Living Index in Kyustendil
Learn more

Kyustendil Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Kyustendil

🇧🇬 Bulgaria

$796

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Kyustendil

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

Monthly costs for one person with rent: $918 in Cebu versus $796 in Kyustendil.

Cebu $918
Kyustendil $796

Estimated couple costs with rent: $1,409 in Cebu versus $1,225 in Kyustendil.

Cebu $1,409
Kyustendil $1,225

Monthly costs for a family of three with rent: $1,900 in Cebu versus $1,653 in Kyustendil.

Cebu $1,900
Kyustendil $1,653

Living in Cebu is roughly 15% more expensive than in Kyustendil, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 32% lower, Kyustendil 41% lower.

Meal at Budget Restaurant

$3.09 ₱194

$10.21 BGN 17.76

-69.74%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,525

$33.94 BGN 59.1

-28.64%

Fast Food Meal (McDonalds, etc)

$3.92 ₱247

$5.18 BGN 9.01

-24.32%

Cappuccino

$2.51 ₱158

$1.42 BGN 2.47

76.76%

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

$1.59 ₱100

$1.11 BGN 1.93

43.24%

Water (0.33 liter bottle)

$0.53 ₱33.43

$0.66 BGN 1.14

-19.70%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.15 BGN 2.00

54.78%

Imported Beer (0.33 liter bottle)

$2.17 ₱137

$1.44 BGN 2.51

50.69%

Milk (1 liter)

$1.92 ₱121

$1.61 BGN 2.80

19.25%

White Bread (500g)

$1.36 ₱85.4

$0.71 BGN 1.23

91.55%

Rice (white) (1kg)

$1.01 ₱63.5

$1.50 BGN 2.60

-32.67%

Eggs

$2.03 ₱128

$2.31 BGN 4.02

-12.12%

Local Cheese (1kg)

$9.86 ₱621

$6.85 BGN 11.92

43.94%

Chicken Fillets (1kg)

$4.39 ₱277

$3.93 BGN 6.83

11.70%

Beef Round Steak (1kg)

$7.60 ₱479

$7.44 BGN 12.95

2.15%

Apples (1kg)

$3.30 ₱208

$0.72 BGN 1.25

358.33%

Banana (1kg)

$1.39 ₱87.8

$1.68 BGN 2.92

-17.26%

Oranges (1kg)

$2.33 ₱147

$1.11 BGN 1.93

109.91%

Tomato (1kg)

$1.50 ₱94.3

$1.58 BGN 2.75

-5.06%

Potato (1kg)

$2.36 ₱149

$0.61 BGN 1.06

286.89%

Onion (1kg)

$1.90 ₱119

$0.55 BGN 0.96

245.45%

Lettuce (1 head)

$1.19 ₱74.9

$0.56 BGN 0.97

112.50%

Water (1.5 liter bottle)

$0.63 ₱39.71

$0.62 BGN 1.08

1.61%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.47 BGN 6.03

-13.54%

Wine (Bottle)

$6.03 ₱379

$4.07 BGN 7.08

48.16%

Local Beer (0.5 liter bottle)

$1.23 ₱77.7

$0.82 BGN 1.42

50.00%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$0.65 BGN 1.14

169.23%

One-way Ticket (Public Transport)

$0.25 ₱15.86

$0.90 BGN 1.57

-72.22%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱796

$24.57 BGN 42.76

-48.56%

Taxi Start (Normal Tariff)

$0.77 ₱48.62

$1.28 BGN 2.23

-39.84%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.53

$0.66 BGN 1.14

-65.15%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱281

$11.21 BGN 19.50

-60.21%

Gasoline (1 liter)

$1.31 ₱82.8

$1.61 BGN 2.80

-18.63%

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

$21.2K ₱1.3M

$14.2K BGN 24.7K

49.36%

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

$19.1K ₱1.2M

$13.3K BGN 23.1K

43.94%

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

$120 ₱7,569

$92.8 BGN 162

29.50%

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

$14.00 ₱882

$14.89 BGN 25.91

-5.98%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,734

$12.09 BGN 21.03

127.79%

Gym Membership (Monthly)

$32.33 ₱2,035

$30.34 BGN 52.8

6.56%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

$17.35 BGN 30.19

-61.67%

Cinema Ticket

$5.65 ₱356

$3.98 BGN 6.92

41.96%

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

$275 ₱17.3K

$114 BGN 198

142.29%

International Primary School, 1 Child (Yearly)

$7,918 ₱498.5K

$2,325 BGN 4,045

240.59%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,106

$30.00 BGN 52.2

64.43%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,589

$19.59 BGN 34.08

28.84%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,846

$60.9 BGN 106

26.39%

Men's Leather Business Shoes

$57.2 ₱3,601

$45.29 BGN 78.8

26.30%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.5K

$336 BGN 585

48.64%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$252 BGN 439

22.43%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.9K

$554 BGN 963

94.68%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$402 BGN 700

52.99%

Buy Apartment in City Center (m2)

$2,886 ₱181.7K

$1,315 BGN 2,287

119.53%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.7K

$1,054 BGN 1,833

81.90%

Average Monthly Net Salary (After Tax)

$346 ₱21.8K

$646 BGN 1,125

-46.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.99

140.80%

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

Last update for Cebu: October 12, 2026

Last update for Kyustendil: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Kyustendil

$252 31.7% 18.3% $57

Groceries & Markets

Cebu

$206 22.4%

Kyustendil

$153 19.2% 25.6% $53

Monthly Utilities & Internet

Cebu

$162 17.6%

Kyustendil

$120 15.1% 25.9% $42

Clothing & Footwear

Cebu

$94 10.2%

Kyustendil

$70 8.8% 25.4% $24

Eating Out

Cebu

$88 9.6%

Kyustendil

$130 16.3% 47.2% $42

Sport & Entertainment

Cebu

$44 4.8%

Kyustendil

$38 4.8% 12.2% $5.3

Getting Around

Cebu

$16 1.7%

Kyustendil

$33 4.1% 110% $17

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $336 in Kyustendil. Housing cost is often the main lever when comparing two cities.

Kyustendil pays 87% 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 $34.00 in Kyustendil. Groceries flip the comparison at $206 vs $153, with Kyustendil cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇧🇬 Kyustendil

🕒 Local time

13:20 1:20 PM

08:20 8:20 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

47,640

💱 Currency

Philippine Peso PHP ₱

Bulgarian Lev BGN лв.

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

Exchange rates and currency converter

BGN, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 19, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Bulgarian Lev exchange rates as of October 19, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Cebu Kyustendil 10,140 km ≈ 13 h nonstop flight

From you

Cebu
Kyustendil

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 Kyustendil: Cost of Living - Frequently Asked Questions

Kyustendil is cheaper overall, especially in groceries, clothing, and leisure. The 15% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 87% lower in Kyustendil. 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 $336 in Kyustendil. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $918 per month in Cebu versus $796 in Kyustendil – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kyustendil runs roughly 94% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $800 a month, though Kyustendil gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kyustendil is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cebu and Kyustendil 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 Kyustendil gentler on the wallet – expenses run 15% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.