Last update: Oct 2026

Cost of Living Comparison Between Cebu and Lovech

For one person, living is cheaper in Cebu: $918 a month against $974 in Lovech, rent and utilities included – about $670 less a year. The total is higher in Lovech despite lower rent and utilities.

45

Cost of Living Index in Cebu
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Cebu Living Index
47

Cost of Living Index in Lovech
Learn more

Lovech Living Index

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Cebu

🇵🇭 Philippines

$918

/mo nomad

Lovech

🇧🇬 Bulgaria

$974

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Lovech

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

Monthly costs for one person with rent: $918 in Cebu versus $974 in Lovech.

Cebu $918
Lovech $974

Estimated couple costs with rent: $1,409 in Cebu versus $1,507 in Lovech.

Cebu $1,409
Lovech $1,507

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,040 in Lovech.

Cebu $1,900
Lovech $2,040

Living in Cebu costs roughly 6% less than in Lovech, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Lovech 28% lower.

Meal at Budget Restaurant

$3.09 ₱194

$13.93 BGN 24.38

-77.82%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,520

$34.09 BGN 59.7

-28.95%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$8.81 BGN 15.42

-55.51%

Cappuccino

$2.51 ₱157

$0.83 BGN 1.45

202.41%

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

$1.59 ₱99.9

$0.71 BGN 1.24

123.94%

Water (0.33 liter bottle)

$0.53 ₱33.33

$0.48 BGN 0.83

10.42%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.01 BGN 1.76

76.24%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.03 BGN 3.55

6.90%

Milk (1 liter)

$1.92 ₱120

$1.71 BGN 2.99

12.28%

White Bread (500g)

$1.36 ₱85.2

$0.96 BGN 1.68

41.67%

Rice (white) (1kg)

$1.01 ₱63.3

$2.09 BGN 3.66

-51.67%

Eggs

$2.03 ₱127

$3.41 BGN 5.97

-40.47%

Local Cheese (1kg)

$9.86 ₱619

$9.95 BGN 17.41

-0.90%

Chicken Fillets (1kg)

$4.39 ₱276

$8.73 BGN 15.27

-49.71%

Beef Round Steak (1kg)

$7.60 ₱477

$11.43 BGN 20.00

-33.51%

Apples (1kg)

$3.30 ₱207

$2.24 BGN 3.92

47.32%

Banana (1kg)

$1.39 ₱87.5

$2.02 BGN 3.54

-31.19%

Oranges (1kg)

$2.33 ₱146

$2.12 BGN 3.71

9.91%

Tomato (1kg)

$1.50 ₱94.0

$2.55 BGN 4.47

-41.18%

Potato (1kg)

$2.36 ₱148

$1.66 BGN 2.90

42.17%

Onion (1kg)

$1.90 ₱119

$1.50 BGN 2.63

26.67%

Lettuce (1 head)

$1.19 ₱74.7

$0.97 BGN 1.70

22.68%

Water (1.5 liter bottle)

$0.63 ₱39.59

$0.85 BGN 1.48

-25.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$3.63 BGN 6.34

-17.36%

Wine (Bottle)

$6.03 ₱378

$6.87 BGN 12.01

-12.23%

Local Beer (0.5 liter bottle)

$1.23 ₱77.4

$1.03 BGN 1.81

19.42%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.83 BGN 3.20

-4.37%

One-way Ticket (Public Transport)

$0.25 ₱15.81

$0.75 BGN 1.31

-66.67%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱793

$24.69 BGN 43.20

-48.81%

Taxi Start (Normal Tariff)

$0.77 ₱48.47

$1.68 BGN 2.94

-54.17%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.49

$0.75 BGN 1.32

-69.33%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$12.08 BGN 21.15

-63.08%

Gasoline (1 liter)

$1.31 ₱82.5

$1.66 BGN 2.91

-21.08%

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

$21.2K ₱1.3M

$29.8K BGN 52.1K

-28.67%

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

$19.1K ₱1.2M

$22.0K BGN 38.6K

-13.09%

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

$120 ₱7,547

$101 BGN 177

18.96%

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

$14.00 ₱879

$14.45 BGN 25.29

-3.11%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,729

$11.92 BGN 20.85

131.04%

Gym Membership (Monthly)

$32.33 ₱2,029

$31.32 BGN 54.8

3.22%

Tennis Court (1 Hour on Weekend)

$6.65 ₱417

$16.24 BGN 28.42

-59.05%

Cinema Ticket

$5.65 ₱355

$8.66 BGN 15.16

-34.76%

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

$275 ₱17.3K

$227 BGN 397

21.27%

International Primary School, 1 Child (Yearly)

$7,918 ₱497.0K

$5,779 BGN 10.1K

37.03%

Jeans (Levis 501 Or Similar)

$49.33 ₱3,097

$57.7 BGN 101

-14.52%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,585

$28.99 BGN 50.7

-12.94%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,831

$70.9 BGN 124

8.58%

Men's Leather Business Shoes

$57.2 ₱3,590

$73.5 BGN 129

-22.20%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$328 BGN 575

52.13%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$254 BGN 444

21.71%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.7K

$539 BGN 943

100.05%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.6K

$397 BGN 695

55.01%

Buy Apartment in City Center (m2)

$2,886 ₱181.2K

$1,320 BGN 2,311

118.58%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.3K

$1,062 BGN 1,858

80.53%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

$626 BGN 1,096

-44.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.25

121.54%

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

Last update for Cebu: October 12, 2026

Last update for Lovech: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Lovech

$254 26.1% 17.8% $55

Groceries & Markets

Cebu

$206 22.4%

Lovech

$246 25.2% 19.3% $40

Monthly Utilities & Internet

Cebu

$162 17.6%

Lovech

$127 13.1% 21.2% $34

Clothing & Footwear

Cebu

$94 10.2%

Lovech

$104 10.7% 10.7% $10

Eating Out

Cebu

$88 9.6%

Lovech

$162 16.6% 83.1% $73

Sport & Entertainment

Cebu

$44 4.8%

Lovech

$49 5% 11.5% $5

Getting Around

Cebu

$16 1.7%

Lovech

$33 3.4% 113% $18

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $328 in Lovech. Housing cost is often the main lever when comparing two cities.

Lovech pays 81% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $24.00 in Cebu vs $34.00 in Lovech for a mid-range dinner for two. Groceries echo the gap at $206 vs $246 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇧🇬 Lovech

🕒 Local time

05:41 5:41 AM

00:41 12:41 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

37,297

💱 Currency

Philippine Peso PHP ₱

Bulgarian Lev BGN лв.

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

1 BGN = 0.571 USD

1 BGN = 0.51 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 14, 2026: 1 USD = 62.77 PHP (100 PHP = 1.59 USD). 1 EUR = 70.28 PHP (100 PHP = 1.42 EUR).

Bulgarian Lev exchange rates as of October 14, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.96 BGN (1 BGN = 0.51 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cebu Lovech 9,960 km ≈ 13 h nonstop flight

From you

Cebu
Lovech

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 Lovech: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 6% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 81% lower in Lovech. 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 $328 in Lovech. 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 $974 in Lovech – a 6% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Cebu runs roughly 95% less than in Lovech. Both cities have functional networks, but the price difference matters if you're watching your budget.

Either city works on $1,000 a month, though Cebu gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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

Safety-wise, Cebu and Lovech 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 6% less than in Lovech. Beyond cost, consider language, visa policies, and how big the international community is in each city.