Last update: Oct 2026

Cost of Living Comparison Between Cebu and Razgrad

For one person, living is cheaper in Razgrad: $826 a month against $915 in Cebu, rent and utilities included – about $1,100 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

44

Cost of Living Index in Cebu
Learn more

Cebu Living Index
40

Cost of Living Index in Razgrad
Learn more

Razgrad Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$915

/mo nomad

Razgrad

🇧🇬 Bulgaria

$826

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Razgrad

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

Monthly costs for one person with rent: $915 in Cebu versus $826 in Razgrad.

Cebu $915
Razgrad $826

Estimated couple costs with rent: $1,418 in Cebu versus $1,269 in Razgrad.

Cebu $1,418
Razgrad $1,269

Monthly costs for a family of three with rent: $1,921 in Cebu versus $1,713 in Razgrad.

Cebu $1,921
Razgrad $1,713

Living in Cebu is roughly 11% more expensive than in Razgrad, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 33% lower, Razgrad 39% lower.

Meal at Budget Restaurant

$3.05 ₱192

$8.44 BGN 14.68

-63.86%

Three-Course Dinner for Two, Mid-Range

$24.00 ₱1,511

$22.52 BGN 39.18

6.57%

Fast Food Meal (McDonalds, etc)

$3.99 ₱251

$8.71 BGN 15.16

-54.19%

Cappuccino

$2.50 ₱157

$1.90 BGN 3.30

31.58%

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

$1.54 ₱97.1

$1.58 BGN 2.74

-2.53%

Water (0.33 liter bottle)

$0.50 ₱31.37

$1.15 BGN 2.01

-56.52%

Local Beer (0.5 liter draught)

$1.78 ₱112

$1.81 BGN 3.15

-1.66%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.33 BGN 4.06

-6.87%

Milk (1 liter)

$2.00 ₱126

$1.65 BGN 2.87

21.21%

White Bread (500g)

$1.37 ₱86.2

$0.82 BGN 1.43

67.07%

Rice (white) (1kg)

$1.03 ₱64.9

$2.18 BGN 3.79

-52.75%

Eggs

$2.03 ₱128

$3.31 BGN 5.75

-38.67%

Local Cheese (1kg)

$10.20 ₱642

$6.92 BGN 12.05

47.40%

Chicken Fillets (1kg)

$4.45 ₱280

$7.87 BGN 13.69

-43.46%

Beef Round Steak (1kg)

$7.67 ₱483

$13.98 BGN 24.33

-45.14%

Apples (1kg)

$3.31 ₱208

$1.25 BGN 2.18

164.80%

Banana (1kg)

$1.46 ₱91.8

$1.79 BGN 3.11

-18.44%

Oranges (1kg)

$2.32 ₱146

$1.48 BGN 2.57

56.76%

Tomato (1kg)

$1.49 ₱94.0

$1.86 BGN 3.23

-19.89%

Potato (1kg)

$2.34 ₱147

$0.82 BGN 1.42

185.37%

Onion (1kg)

$1.94 ₱122

$0.99 BGN 1.72

95.96%

Lettuce (1 head)

$1.16 ₱73.0

$1.00 BGN 1.74

16.00%

Water (1.5 liter bottle)

$0.68 ₱42.89

$0.60 BGN 1.04

13.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$3.32 BGN 5.78

-9.94%

Wine (Bottle)

$6.24 ₱393

$4.22 BGN 7.34

47.87%

Local Beer (0.5 liter bottle)

$1.23 ₱77.3

$0.99 BGN 1.72

24.24%

Imported Beer (0.33 liter bottle)

$1.73 ₱109

$1.27 BGN 2.21

36.22%

One-way Ticket (Public Transport)

$0.23 ₱14.36

$0.88 BGN 1.54

-73.86%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱777

$17.16 BGN 29.86

-28.09%

Taxi Start (Normal Tariff)

$0.79 ₱49.96

$1.27 BGN 2.21

-37.80%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.86

$0.61 BGN 1.06

-63.93%

Taxi 1hour Waiting (Normal Tariff)

$4.54 ₱286

$10.09 BGN 17.56

-55.00%

Gasoline (1 liter)

$1.32 ₱82.9

$1.49 BGN 2.60

-11.41%

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

$21.0K ₱1.3M

$22.7K BGN 39.6K

-7.67%

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

$19.4K ₱1.2M

$25.0K BGN 43.4K

-22.28%

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

$119 ₱7,464

$76.8 BGN 134

54.30%

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

$14.22 ₱896

$14.68 BGN 25.55

-3.13%

Internet (50+ Mbps, Unlimited Data)

$27.47 ₱1,730

$11.66 BGN 20.29

135.59%

Gym Membership (Monthly)

$32.31 ₱2,034

$26.36 BGN 45.88

22.57%

Tennis Court (1 Hour on Weekend)

$6.50 ₱409

$17.24 BGN 30.00

-62.30%

Cinema Ticket

$5.40 ₱340

$6.70 BGN 11.66

-19.40%

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

$276 ₱17.4K

$509 BGN 886

-45.80%

International Primary School, 1 Child (Yearly)

$7,866 ₱495.3K

$5,354 BGN 9,316

46.93%

Jeans (Levis 501 Or Similar)

$49.37 ₱3,108

$33.63 BGN 58.5

46.80%

Summer Dress (H&M, Zara, etc)

$24.58 ₱1,548

$16.80 BGN 29.24

46.31%

Sport Shoes (Adidas, Nike)

$76.6 ₱4,825

$91.9 BGN 160

-16.58%

Men's Leather Business Shoes

$58.9 ₱3,706

$102 BGN 178

-42.56%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.7K

$278 BGN 483

81.41%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ₱19.2K

$194 BGN 338

56.76%

3-bedroom Apartment, City Center (Monthly)

$1,075 ₱67.7K

$366 BGN 636

193.99%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.8K

$301 BGN 523

110.26%

Buy Apartment in City Center (m2)

$2,870 ₱180.7K

$1,096 BGN 1,907

161.88%

Buy Apartment Outside City Center (m2)

$1,877 ₱118.2K

$727 BGN 1,265

158.14%

Average Monthly Net Salary (After Tax)

$336 ₱21.1K

$1,209 BGN 2,104

-72.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

3.1

132.26%

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

Last update for Cebu: October 19, 2026

Last update for Razgrad: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$305 33.3%

Razgrad

$194 23.5% 36.2% $110

Groceries & Markets

Cebu

$210 22.9%

Razgrad

$212 25.7% 1.3% $2.8

Monthly Utilities & Internet

Cebu

$160 17.5%

Razgrad

$103 12.5% 35.6% $57

Clothing & Footwear

Cebu

$94 10.3%

Razgrad

$110 13.3% 16.9% $16

Eating Out

Cebu

$88 9.6%

Razgrad

$141 17.1% 60.7% $53

Sport & Entertainment

Cebu

$43 4.7%

Razgrad

$40 4.8% 7.7% $3.3

Getting Around

Cebu

$15 1.7%

Razgrad

$25 3% 65% $9.8

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $278 in Razgrad. Housing cost is often the main lever when comparing two cities.

Razgrad pays 260% 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 $23.00 in Razgrad. Groceries flip the comparison at $210 vs $212, with Cebu cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇧🇬 Razgrad

🕒 Local time

03:08 3:08 AM

22:08 10:08 PM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

35,049

💱 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 20, 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 20, 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

Lowest

Highest

Between locations

Cebu Razgrad 9,810 km ≈ 13 h nonstop flight

From you

Cebu
Razgrad

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 Razgrad: Cost of Living - Frequently Asked Questions

Razgrad is cheaper overall, especially in leisure and utilities. The 11% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 260% lower in Razgrad. 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: $503 in Cebu versus $278 in Razgrad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $915 per month in Cebu versus $826 in Razgrad – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Razgrad runs roughly 39% 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 Razgrad gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Razgrad 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 Razgrad 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 Razgrad gentler on the wallet – expenses run 11% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.