Last update: Oct 2026

Cost of Living Comparison Between Cebu and Veliko Tarnovo

For one person, living is cheaper in Cebu: $918 a month against $1,006 in Veliko Tarnovo, rent and utilities included – about $1,100 less a year. The total is higher in Veliko Tarnovo despite lower rent and utilities.

45

Cost of Living Index in Cebu
Learn more

Cebu Living Index
49

Cost of Living Index in Veliko Tarnovo
Learn more

Veliko Tarnovo Living Index

Jump to prices

Cebu

🇵🇭 Philippines

$918

/mo nomad

Veliko Tarnovo

🇧🇬 Bulgaria

$1,006

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Veliko Tarnovo

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

Monthly costs for one person with rent: $918 in Cebu versus $1,006 in Veliko Tarnovo.

Cebu $918
Veliko Tarnovo $1,006

Estimated couple costs with rent: $1,409 in Cebu versus $1,574 in Veliko Tarnovo.

Cebu $1,409
Veliko Tarnovo $1,574

Monthly costs for a family of three with rent: $1,900 in Cebu versus $2,141 in Veliko Tarnovo.

Cebu $1,900
Veliko Tarnovo $2,141

Living in Cebu costs roughly 9% less than in Veliko Tarnovo, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Cebu 32% lower, Veliko Tarnovo 25% lower.

Meal at Budget Restaurant

$3.09 ₱194

$11.12 BGN 19.46

-72.21%

Three-Course Dinner for Two, Mid-Range

$24.22 ₱1,521

$39.76 BGN 69.6

-39.08%

Fast Food Meal (McDonalds, etc)

$3.92 ₱246

$9.61 BGN 16.83

-59.21%

Cappuccino

$2.51 ₱157

$1.85 BGN 3.23

35.68%

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

$1.59 ₱100

$1.31 BGN 2.30

21.37%

Water (0.33 liter bottle)

$0.53 ₱33.36

$0.88 BGN 1.54

-39.77%

Local Beer (0.5 liter draught)

$1.78 ₱112

$2.03 BGN 3.55

-12.32%

Imported Beer (0.33 liter bottle)

$2.17 ₱136

$2.79 BGN 4.88

-22.22%

Milk (1 liter)

$1.92 ₱121

$1.86 BGN 3.25

3.23%

White Bread (500g)

$1.36 ₱85.2

$1.05 BGN 1.85

29.52%

Rice (white) (1kg)

$1.01 ₱63.4

$2.48 BGN 4.34

-59.27%

Eggs

$2.03 ₱127

$3.67 BGN 6.43

-44.69%

Local Cheese (1kg)

$9.86 ₱620

$10.17 BGN 17.81

-3.05%

Chicken Fillets (1kg)

$4.39 ₱276

$8.00 BGN 14.00

-45.13%

Beef Round Steak (1kg)

$7.60 ₱478

$12.43 BGN 21.76

-38.86%

Apples (1kg)

$3.30 ₱207

$1.60 BGN 2.80

106.25%

Banana (1kg)

$1.39 ₱87.6

$2.05 BGN 3.59

-32.20%

Oranges (1kg)

$2.33 ₱147

$1.96 BGN 3.43

18.88%

Tomato (1kg)

$1.50 ₱94.1

$2.58 BGN 4.51

-41.86%

Potato (1kg)

$2.36 ₱148

$1.09 BGN 1.91

116.51%

Onion (1kg)

$1.90 ₱119

$1.17 BGN 2.05

62.39%

Lettuce (1 head)

$1.19 ₱74.7

$0.98 BGN 1.71

21.43%

Water (1.5 liter bottle)

$0.63 ₱39.62

$0.73 BGN 1.27

-13.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.00 ₱189

$4.10 BGN 7.17

-26.83%

Wine (Bottle)

$6.03 ₱379

$6.72 BGN 11.75

-10.27%

Local Beer (0.5 liter bottle)

$1.23 ₱77.5

$1.21 BGN 2.11

1.65%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.61 BGN 2.81

8.70%

One-way Ticket (Public Transport)

$0.25 ₱15.82

$0.90 BGN 1.57

-72.22%

Public Transport Monthly Pass (Regular Price)

$12.64 ₱794

$23.23 BGN 40.65

-45.59%

Taxi Start (Normal Tariff)

$0.77 ₱48.51

$1.16 BGN 2.03

-33.62%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.50

$0.67 BGN 1.18

-65.67%

Taxi 1hour Waiting (Normal Tariff)

$4.46 ₱280

$11.18 BGN 19.57

-60.11%

Gasoline (1 liter)

$1.31 ₱82.6

$1.56 BGN 2.72

-16.03%

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

$21.2K ₱1.3M

$30.5K BGN 53.4K

-30.38%

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

$19.1K ₱1.2M

$30.6K BGN 53.6K

-37.46%

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

$120 ₱7,553

$95.9 BGN 168

25.44%

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

$14.00 ₱880

$18.81 BGN 32.92

-25.57%

Internet (50+ Mbps, Unlimited Data)

$27.54 ₱1,730

$15.86 BGN 27.75

73.64%

Gym Membership (Monthly)

$32.33 ₱2,031

$30.50 BGN 53.4

6.00%

Tennis Court (1 Hour on Weekend)

$6.65 ₱418

$19.69 BGN 34.46

-66.23%

Cinema Ticket

$5.65 ₱355

$6.91 BGN 12.08

-18.23%

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

$275 ₱17.3K

International Primary School, 1 Child (Yearly)

$7,918 ₱497.4K

Jeans (Levis 501 Or Similar)

$49.33 ₱3,099

$46.95 BGN 82.2

5.07%

Summer Dress (H&M, Zara, etc)

$25.24 ₱1,586

$30.58 BGN 53.5

-17.46%

Sport Shoes (Adidas, Nike)

$77.0 ₱4,835

$122 BGN 214

-36.99%

Men's Leather Business Shoes

$57.2 ₱3,593

$93.1 BGN 163

-38.58%

1-bedroom Apartment, City Center (Monthly)

$500 ₱31.4K

$351 BGN 614

42.33%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ₱19.4K

$260 BGN 456

18.64%

3-bedroom Apartment, City Center (Monthly)

$1,078 ₱67.7K

$572 BGN 1,000

88.55%

3-bedroom Apartment, Outside City Center (Monthly)

$615 ₱38.7K

$420 BGN 735

46.49%

Buy Apartment in City Center (m2)

$2,886 ₱181.3K

$2,407 BGN 4,211

19.92%

Buy Apartment Outside City Center (m2)

$1,917 ₱120.4K

$1,364 BGN 2,387

40.54%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

$952 BGN 1,666

-63.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.2

2.74

162.77%

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

Last update for Cebu: October 12, 2026

Last update for Veliko Tarnovo: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$309 33.6%

Veliko Tarnovo

$260 25.9% 15.7% $49

Groceries & Markets

Cebu

$206 22.4%

Veliko Tarnovo

$244 24.2% 18.3% $38

Monthly Utilities & Internet

Cebu

$162 17.6%

Veliko Tarnovo

$131 13% 19.3% $31

Clothing & Footwear

Cebu

$94 10.2%

Veliko Tarnovo

$132 13.1% 40.3% $38

Eating Out

Cebu

$88 9.6%

Veliko Tarnovo

$164 16.3% 86.3% $76

Sport & Entertainment

Cebu

$44 4.8%

Veliko Tarnovo

$44 4.4% 1.6% $0.7

Getting Around

Cebu

$16 1.7%

Veliko Tarnovo

$31 3.1% 101% $16

Cost Breakdown

A one-bedroom apartment in the center runs $500 in Cebu and $351 in Veliko Tarnovo. Housing cost is often the main lever when comparing two cities.

Veliko Tarnovo pays 175% 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 $40.00 in Veliko Tarnovo for a mid-range dinner for two. Groceries echo the gap at $206 vs $244 per month, with Cebu cheaper across the board.

Good to know

🇵🇭 Cebu

🇧🇬 Veliko Tarnovo

🕒 Local time

06:25 6:25 AM

01:25 1:25 AM

5 h behind Cebu

🌤 Weather

👥 Population

964,169

71,150

💱 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 = 62.82 PHP (100 PHP = 1.59 USD). 1 EUR = 70.33 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 Veliko Tarnovo 9,890 km ≈ 13 h nonstop flight

From you

Cebu
Veliko Tarnovo

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 Veliko Tarnovo: Cost of Living - Frequently Asked Questions

Cebu is cheaper overall, especially in groceries, clothing, and eating out. The 10% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 175% lower in Veliko Tarnovo. 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 $351 in Veliko Tarnovo. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 18% higher in Veliko Tarnovo. 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 $1,006 in Veliko Tarnovo – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $918 in Cebu versus $1,006 in Veliko Tarnovo, a $1,500 budget is realistic in Cebu but tight or insufficient in Veliko Tarnovo. The gap between the two cities makes Cebu the clear choice for anyone on this budget.

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

Safety-wise, Cebu and Veliko Tarnovo 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 10% less than in Veliko Tarnovo. Beyond cost, consider language, visa policies, and how big the international community is in each city.