Cost of Living Comparison Between Cebu and Vratsa Cost of Living Comparison Between Cebu and Vratsa

Monthly Cost of Living

Monthly costs for one person with rent: $924 in Cebu versus $841 in Vratsa.

Estimated couple costs with rent: $1,414 in Cebu versus $1,297 in Vratsa.

Monthly costs for a family of three with rent: $1,905 in Cebu versus $1,753 in Vratsa.

Living in Cebu is roughly 10% more expensive than in Vratsa, driven mainly by Eating Out.

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

Meal at Budget Restaurant

$3.07 ₱192

$8.85 BGN 14.72

-65.31%

Three-Course Dinner for Two, Mid-Range

$23.18 ₱1,453

$29.76 BGN 49.51

-22.11%

Fast Food Meal (McDonalds, etc)

$4.04 ₱253

$5.83 BGN 9.70

-30.70%

Cappuccino

$2.49 ₱156

$2.29 BGN 3.81

8.73%

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

$1.52 ₱95.3

$1.64 BGN 2.73

-7.32%

Water (0.33 liter bottle)

$0.49 ₱30.70

$0.85 BGN 1.41

-42.35%

Local Beer (0.5 liter draught)

$1.80 ₱113

$1.76 BGN 2.92

2.27%

Imported Beer (0.33 liter bottle)

$2.29 ₱144

$2.11 BGN 3.50

8.53%

Milk (1 liter)

$1.92 ₱121

$1.39 BGN 2.31

38.13%

White Bread (500g)

$1.39 ₱87.3

$0.85 BGN 1.41

63.53%

Rice (white) (1kg)

$1.01 ₱63.6

$1.34 BGN 2.23

-24.63%

Eggs

$2.03 ₱127

$2.43 BGN 4.04

-16.46%

Local Cheese (1kg)

$9.87 ₱619

$9.56 BGN 15.90

3.24%

Chicken Fillets (1kg)

$4.52 ₱283

$5.97 BGN 9.92

-24.29%

Beef Round Steak (1kg)

$7.59 ₱476

$8.66 BGN 14.40

-12.36%

Apples (1kg)

$3.34 ₱209

$1.31 BGN 2.18

154.96%

Banana (1kg)

$1.40 ₱87.7

$1.72 BGN 2.85

-18.60%

Oranges (1kg)

$2.41 ₱151

$1.22 BGN 2.02

97.54%

Tomato (1kg)

$1.55 ₱97.1

$1.83 BGN 3.05

-15.30%

Potato (1kg)

$2.46 ₱154

$1.02 BGN 1.70

141.18%

Onion (1kg)

$1.91 ₱120

$0.74 BGN 1.23

158.11%

Lettuce (1 head)

$1.23 ₱76.9

$0.56 BGN 0.94

119.64%

Water (1.5 liter bottle)

$0.62 ₱38.80

$0.58 BGN 0.96

6.90%

Cigarettes 20 Pack (Marlboro, Camel)

$2.87 ₱180

$3.59 BGN 5.98

-20.06%

Wine (Bottle)

$6.30 ₱395

$5.39 BGN 8.97

16.88%

Local Beer (0.5 liter bottle)

$1.30 ₱81.2

$1.13 BGN 1.88

15.04%

Imported Beer (0.33 liter bottle)

$1.75 ₱110

$1.76 BGN 2.93

-0.57%

One-way Ticket (Public Transport)

$0.23 ₱14.30

$0.90 BGN 1.50

-74.44%

Public Transport Monthly Pass (Regular Price)

$12.66 ₱794

$25.54 BGN 42.48

-50.43%

Taxi Start (Normal Tariff)

$0.75 ₱46.79

$0.92 BGN 1.54

-18.48%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.42

$0.63 BGN 1.05

-63.49%

Taxi 1hour Waiting (Normal Tariff)

$4.33 ₱272

$6.55 BGN 10.89

-33.89%

Gasoline (1 liter)

$1.26 ₱79.3

$1.60 BGN 2.67

-21.25%

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

$21.1K ₱1.3M

$31.0K BGN 51.6K

-31.91%

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

$19.6K ₱1.2M

$21.2K BGN 35.2K

-7.41%

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

$121 ₱7,586

$97.6 BGN 162

24.00%

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

$15.07 ₱944

$13.18 BGN 21.92

14.34%

Internet (50+ Mbps, Unlimited Data)

$27.29 ₱1,711

$12.77 BGN 21.24

113.70%

Gym Membership (Monthly)

$32.26 ₱2,022

$24.22 BGN 40.30

33.20%

Tennis Court (1 Hour on Weekend)

$6.38 ₱400

$17.50 BGN 29.12

-63.54%

Cinema Ticket

$5.63 ₱353

$5.99 BGN 9.97

-6.01%

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

$281 ₱17.6K

$241 BGN 400

16.79%

International Primary School, 1 Child (Yearly)

$8,117 ₱508.9K

$2,393 BGN 3,982

239.14%

Jeans (Levis 501 Or Similar)

$49.04 ₱3,074

$31.19 BGN 51.9

57.23%

Summer Dress (H&M, Zara, etc)

$24.72 ₱1,550

$19.83 BGN 32.98

24.66%

Sport Shoes (Adidas, Nike)

$77.9 ₱4,886

$67.5 BGN 112

15.42%

Men's Leather Business Shoes

$58.3 ₱3,656

$52.5 BGN 87.4

11.06%

1-bedroom Apartment, City Center (Monthly)

$503 ₱31.5K

$347 BGN 577

45.12%

1-bedroom Apartment, Outside City Center (Monthly)

$307 ₱19.2K

$263 BGN 438

16.38%

3-bedroom Apartment, City Center (Monthly)

$1,086 ₱68.1K

$573 BGN 953

89.59%

3-bedroom Apartment, Outside City Center (Monthly)

$632 ₱39.6K

$417 BGN 693

51.79%

Buy Apartment in City Center (m2)

$2,868 ₱179.8K

$1,390 BGN 2,313

106.28%

Buy Apartment Outside City Center (m2)

$1,891 ₱118.5K

$1,123 BGN 1,869

68.32%

Average Monthly Net Salary (After Tax)

$346 ₱21.7K

$1,141 BGN 1,898

-69.65%

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: September 7, 2026

Last update for Vratsa: September 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $503 in Cebu and $347 in Vratsa. Housing cost is often the main lever when comparing two cities.

Vratsa pays 229% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Cebu vs $30.00 in Vratsa. Groceries flip the comparison at $209 vs $187, with Vratsa cheaper for home cooking.

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 cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 10% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 229% lower in Vratsa. 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 $347 in Vratsa. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $924 per month in Cebu versus $841 in Vratsa – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Vratsa runs roughly 102% less than in Cebu. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $841 in Vratsa versus $924 in Cebu, a $1,500 budget is realistic in Vratsa but tight or insufficient in Cebu. The gap between the two cities makes Vratsa the clear choice for anyone on this budget.

For families, Vratsa 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 Vratsa 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 Vratsa gentler on the wallet – expenses run 10% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.