Last update: Oct 2026

Cost of Living Comparison Between Cebu and Vratsa

For one person, living is cheaper in Vratsa: $826 a month against $934 in Cebu, rent and utilities included – about $1,300 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Cebu
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Cebu Living Index
40

Cost of Living Index in Vratsa
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Vratsa Living Index

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Cebu

🇵🇭 Philippines

$934

/mo nomad

Vratsa

🇧🇬 Bulgaria

$826

/mo nomad

Monthly Cost of Living

How much you'll spend in Cebu and in Vratsa

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

Monthly costs for one person with rent: $934 in Cebu versus $826 in Vratsa.

Cebu $934
Vratsa $826

Estimated couple costs with rent: $1,423 in Cebu versus $1,255 in Vratsa.

Cebu $1,423
Vratsa $1,255

Monthly costs for a family of three with rent: $1,913 in Cebu versus $1,684 in Vratsa.

Cebu $1,913
Vratsa $1,684

Living in Cebu is roughly 13% more expensive than in Vratsa, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cebu 31% lower, Vratsa 39% lower.

Meal at Budget Restaurant

$3.79 ₱241

$8.49 BGN 14.85

-55.36%

Three-Course Dinner for Two, Mid-Range

$23.33 ₱1,482

$28.23 BGN 49.41

-17.36%

Fast Food Meal (McDonalds, etc)

$3.94 ₱250

$5.65 BGN 9.88

-30.27%

Cappuccino

$2.54 ₱162

$2.22 BGN 3.88

14.41%

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

$1.57 ₱99.6

$1.56 BGN 2.73

0.64%

Water (0.33 liter bottle)

$0.47 ₱29.64

$0.82 BGN 1.44

-42.68%

Local Beer (0.5 liter draught)

$1.77 ₱112

$1.68 BGN 2.94

5.36%

Imported Beer (0.33 liter bottle)

$2.22 ₱141

$2.03 BGN 3.55

9.36%

Milk (1 liter)

$1.90 ₱121

$1.33 BGN 2.32

42.86%

White Bread (500g)

$1.36 ₱86.6

$0.84 BGN 1.47

61.90%

Rice (white) (1kg)

$0.94 ₱59.5

$1.35 BGN 2.36

-30.37%

Eggs

$1.99 ₱126

$2.28 BGN 3.99

-12.72%

Local Cheese (1kg)

$9.70 ₱616

$9.35 BGN 16.36

3.74%

Chicken Fillets (1kg)

$4.32 ₱274

$5.62 BGN 9.83

-23.13%

Beef Round Steak (1kg)

$7.51 ₱477

$8.41 BGN 14.71

-10.70%

Apples (1kg)

$3.31 ₱210

$1.25 BGN 2.19

164.80%

Banana (1kg)

$1.37 ₱87.0

$1.64 BGN 2.87

-16.46%

Oranges (1kg)

$2.34 ₱149

$1.11 BGN 1.94

110.81%

Tomato (1kg)

$1.49 ₱94.8

$1.73 BGN 3.02

-13.87%

Potato (1kg)

$2.30 ₱146

$0.98 BGN 1.72

134.69%

Onion (1kg)

$1.87 ₱119

$0.71 BGN 1.25

163.38%

Lettuce (1 head)

$1.10 ₱69.9

$0.56 BGN 0.98

96.43%

Water (1.5 liter bottle)

$0.63 ₱40.11

$0.54 BGN 0.95

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱181

$3.49 BGN 6.10

-18.05%

Wine (Bottle)

$6.08 ₱386

$5.22 BGN 9.13

16.48%

Local Beer (0.5 liter bottle)

$1.27 ₱81.0

$1.08 BGN 1.90

17.59%

Imported Beer (0.33 liter bottle)

$1.72 ₱109

$1.74 BGN 3.04

-1.15%

One-way Ticket (Public Transport)

$0.22 ₱13.90

$0.82 BGN 1.44

-73.17%

Public Transport Monthly Pass (Regular Price)

$12.34 ₱784

$25.24 BGN 44.17

-51.11%

Taxi Start (Normal Tariff)

$0.74 ₱47.24

$0.88 BGN 1.54

-15.91%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.00

$0.62 BGN 1.08

-64.52%

Taxi 1hour Waiting (Normal Tariff)

$4.28 ₱272

$6.45 BGN 11.28

-33.64%

Gasoline (1 liter)

$1.31 ₱83.2

$1.56 BGN 2.73

-16.03%

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

$20.8K ₱1.3M

$30.4K BGN 53.3K

-31.77%

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

$19.0K ₱1.2M

$23.4K BGN 41.0K

-18.64%

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

$118 ₱7,520

$94.3 BGN 165

25.53%

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

$15.76 ₱1,001

$12.63 BGN 22.09

24.78%

Internet (50+ Mbps, Unlimited Data)

$28.33 ₱1,799

$12.23 BGN 21.40

131.64%

Gym Membership (Monthly)

$32.94 ₱2,092

$22.92 BGN 40.11

43.72%

Tennis Court (1 Hour on Weekend)

$6.49 ₱412

$19.29 BGN 33.77

-66.36%

Cinema Ticket

$5.45 ₱346

$5.80 BGN 10.15

-6.03%

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

$276 ₱17.5K

$223 BGN 390

23.88%

International Primary School, 1 Child (Yearly)

$7,789 ₱494.7K

$2,257 BGN 3,949

245.16%

Jeans (Levis 501 Or Similar)

$48.18 ₱3,060

$30.65 BGN 53.6

57.19%

Summer Dress (H&M, Zara, etc)

$24.47 ₱1,554

$19.41 BGN 33.97

26.07%

Sport Shoes (Adidas, Nike)

$75.3 ₱4,781

$64.4 BGN 113

16.86%

Men's Leather Business Shoes

$58.0 ₱3,685

$50.4 BGN 88.2

15.07%

1-bedroom Apartment, City Center (Monthly)

$477 ₱30.3K

$337 BGN 590

41.46%

1-bedroom Apartment, Outside City Center (Monthly)

$322 ₱20.4K

$253 BGN 444

26.96%

3-bedroom Apartment, City Center (Monthly)

$963 ₱61.2K

$550 BGN 962

75.16%

3-bedroom Apartment, Outside City Center (Monthly)

$626 ₱39.7K

$401 BGN 703

55.86%

Buy Apartment in City Center (m2)

$4,551 ₱289.0K

$1,309 BGN 2,291

247.68%

Buy Apartment Outside City Center (m2)

$3,028 ₱192.3K

$1,114 BGN 1,950

171.77%

Average Monthly Net Salary (After Tax)

$333 ₱21.2K

$1,080 BGN 1,890

-69.13%

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 26, 2026

Last update for Vratsa: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Cebu

$322 34.5%

Vratsa

$253 30.7% 21.2% $68

Groceries & Markets

Cebu

$204 21.8%

Vratsa

$179 21.7% 12.1% $25

Monthly Utilities & Internet

Cebu

$163 17.4%

Vratsa

$119 14.4% 26.7% $43

Eating Out

Cebu

$94 10.1%

Vratsa

$133 16.2% 41.8% $39

Clothing & Footwear

Cebu

$93 9.9%

Vratsa

$74 9% 19.9% $18

Sport & Entertainment

Cebu

$44 4.7%

Vratsa

$35 4.2% 21.3% $9.3

Getting Around

Cebu

$15 1.6%

Vratsa

$33 3.9% 116% $17

Cost Breakdown

A one-bedroom apartment in the center runs $477 in Cebu and $337 in Vratsa. Housing cost is often the main lever when comparing two cities.

Vratsa pays about 3.2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23 in Cebu vs $28 in Vratsa. Groceries flip the comparison at $204 vs $179, with Vratsa cheaper for home cooking.

Good to know

🇵🇭 Cebu

🇧🇬 Vratsa

🕒 Local time

21:10 9:10 PM

15:10 3:10 PM

6 h behind Cebu

🌤 Weather

👥 Population

964,169

60,877

💱 Currency

Philippine Peso PHP ₱

Bulgarian Lev BGN лв.

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

1 BGN = 0.571 USD

1 BGN = 0.512 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 November 2, 2026: 1 USD = 63.51 PHP (100 PHP = 1.57 USD). 1 EUR = 70.87 PHP (100 PHP = 1.41 EUR).

Bulgarian Lev exchange rates as of November 2, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.95 BGN (1 BGN = 0.512 EUR).

USD to PHP in detail →

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Between locations

Cebu Vratsa 10,050 km ≈ 13 h nonstop flight

From you

Cebu
Vratsa

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 Vratsa: Cost of Living - Frequently Asked Questions

Vratsa is about 11% cheaper overall, especially in groceries, utilities, and clothing. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 69% lower in Cebu. 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: $477 in Cebu versus $337 in Vratsa. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $934 per month in Cebu versus $826 in Vratsa – Vratsa is about 11% cheaper, which adds up to real savings over time.

A monthly transit pass in Cebu runs roughly 51% less than in Vratsa. The price difference matters if you commute daily and watch your 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 Vratsa are both considered safe, so it’s unlikely to be the deciding factor between them.