Last update: Oct 2026

Cost of Living Comparison Between Kardzhali and Cebu

For one person, living is cheaper in Kardzhali: $653 a month against $918 in Cebu, rent and utilities included – about $3,200 less a year. Rent and utilities account for most of the difference.

32

Cost of Living Index in Kardzhali
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Kardzhali Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Kardzhali

🇧🇬 Bulgaria

$653

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

How much you'll spend in Kardzhali and in Cebu

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Kardzhali and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $653 in Kardzhali versus $918 in Cebu.

Kardzhali $653
Cebu $918

Estimated couple costs with rent: $1,071 in Kardzhali versus $1,409 in Cebu.

Kardzhali $1,071
Cebu $1,409

Monthly costs for a family of three with rent: $1,489 in Kardzhali versus $1,900 in Cebu.

Kardzhali $1,489
Cebu $1,900

Living in Kardzhali costs roughly 29% less than in Cebu, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Kardzhali 52% lower, Cebu 32% lower.

Meal at Budget Restaurant

$11.22 BGN 19.52

$3.09 ₱194

263.11%

Three-Course Dinner for Two, Mid-Range

$22.74 BGN 39.57

$24.22 ₱1,525

-6.11%

Fast Food Meal (McDonalds, etc)

$9.05 BGN 15.75

$3.92 ₱247

130.87%

Cappuccino

$1.11 BGN 1.92

$2.51 ₱158

-55.78%

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

$1.04 BGN 1.80

$1.59 ₱100

-34.59%

Water (0.33 liter bottle)

$0.70 BGN 1.21

$0.53 ₱33.43

32.08%

Local Beer (0.5 liter draught)

$1.62 BGN 2.82

$1.78 ₱112

-8.99%

Imported Beer (0.33 liter bottle)

$1.33 BGN 2.31

$2.17 ₱137

-38.71%

Milk (1 liter)

$1.64 BGN 2.85

$1.92 ₱121

-14.58%

White Bread (500g)

$0.74 BGN 1.29

$1.36 ₱85.4

-45.59%

Rice (white) (1kg)

$1.43 BGN 2.49

$1.01 ₱63.5

41.58%

Eggs

$2.81 BGN 4.89

$2.03 ₱128

38.42%

Local Cheese (1kg)

$10.16 BGN 17.68

$9.86 ₱621

3.04%

Chicken Fillets (1kg)

$5.60 BGN 9.75

$4.39 ₱277

27.56%

Beef Round Steak (1kg)

$6.74 BGN 11.73

$7.60 ₱479

-11.32%

Apples (1kg)

$0.90 BGN 1.56

$3.30 ₱208

-72.73%

Banana (1kg)

$2.04 BGN 3.55

$1.39 ₱87.8

46.76%

Oranges (1kg)

$1.93 BGN 3.35

$2.33 ₱147

-17.17%

Tomato (1kg)

$2.13 BGN 3.71

$1.50 ₱94.3

42.00%

Potato (1kg)

$0.65 BGN 1.13

$2.36 ₱149

-72.46%

Onion (1kg)

$1.27 BGN 2.22

$1.90 ₱119

-33.16%

Lettuce (1 head)

$0.72 BGN 1.26

$1.19 ₱74.9

-39.50%

Water (1.5 liter bottle)

$0.80 BGN 1.39

$0.63 ₱39.71

26.98%

Cigarettes 20 Pack (Marlboro, Camel)

$3.59 BGN 6.25

$3.00 ₱189

19.67%

Wine (Bottle)

$4.56 BGN 7.94

$6.03 ₱379

-24.38%

Local Beer (0.5 liter bottle)

$1.05 BGN 1.83

$1.23 ₱77.7

-14.63%

Imported Beer (0.33 liter bottle)

$1.42 BGN 2.46

$1.75 ₱110

-18.86%

One-way Ticket (Public Transport)

$0.54 BGN 0.95

$0.25 ₱15.86

116.00%

Public Transport Monthly Pass (Regular Price)

$11.13 BGN 19.36

$12.64 ₱796

-11.95%

Taxi Start (Normal Tariff)

$1.69 BGN 2.94

$0.77 ₱48.62

119.48%

Taxi (Normal Tariff) (1km)

$0.70 BGN 1.23

$0.23 ₱14.53

204.35%

Taxi 1hour Waiting (Normal Tariff)

$5.65 BGN 9.83

$4.46 ₱281

26.68%

Gasoline (1 liter)

$1.70 BGN 2.97

$1.31 ₱82.8

29.77%

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

$29.7K BGN 51.7K

$21.2K ₱1.3M

39.89%

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

$22.4K BGN 39.0K

$19.1K ₱1.2M

17.01%

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

$60.9 BGN 106

$120 ₱7,569

-49.31%

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

$5.73 BGN 9.97

$14.00 ₱882

-59.07%

Internet (50+ Mbps, Unlimited Data)

$7.65 BGN 13.30

$27.54 ₱1,734

-72.22%

Gym Membership (Monthly)

$23.14 BGN 40.26

$32.33 ₱2,035

-28.43%

Tennis Court (1 Hour on Weekend)

$6.65 ₱419

Cinema Ticket

$8.43 BGN 14.67

$5.65 ₱356

49.20%

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

$230 BGN 401

$275 ₱17.3K

-16.35%

International Primary School, 1 Child (Yearly)

$14.5K BGN 25.2K

$7,918 ₱498.5K

83.21%

Jeans (Levis 501 Or Similar)

$22.87 BGN 39.79

$49.33 ₱3,106

-53.64%

Summer Dress (H&M, Zara, etc)

$12.49 BGN 21.73

$25.24 ₱1,589

-50.52%

Sport Shoes (Adidas, Nike)

$45.07 BGN 78.4

$77.0 ₱4,846

-41.44%

Men's Leather Business Shoes

$75.0 BGN 130

$57.2 ₱3,601

31.05%

1-bedroom Apartment, City Center (Monthly)

$114 BGN 198

$500 ₱31.5K

-77.23%

1-bedroom Apartment, Outside City Center (Monthly)

$114 BGN 198

$309 ₱19.4K

-63.07%

3-bedroom Apartment, City Center (Monthly)

$228 BGN 396

$1,078 ₱67.9K

-78.86%

3-bedroom Apartment, Outside City Center (Monthly)

$275 BGN 479

$615 ₱38.7K

-55.27%

Buy Apartment in City Center (m2)

$1,145 BGN 1,993

$2,886 ₱181.7K

-60.32%

Buy Apartment Outside City Center (m2)

$858 BGN 1,493

$1,917 ₱120.7K

-55.22%

Average Monthly Net Salary (After Tax)

$1,281 BGN 2,229

$346 ₱21.8K

270.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

7.2

-54.86%

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

Last update for Kardzhali: October 11, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Kardzhali

$189 28.9%

Cebu

$206 22.4% 9% $17

Eating Out

Kardzhali

$148 22.6%

Cebu

$88 9.6% 40.3% $60

Accommodation & Living

Kardzhali

$114 17.5%

Cebu

$309 33.6% 171% $195

Monthly Utilities & Internet

Kardzhali

$74 11.4%

Cebu

$162 17.6% 118% $87

Clothing & Footwear

Kardzhali

$70 10.7%

Cebu

$94 10.2% 34.3% $24

Sport & Entertainment

Kardzhali

$40 6.1%

Cebu

$44 4.8% 9.1% $3.6

Getting Around

Kardzhali

$19 2.8%

Cebu

$16 1.7% 15.9% $2.9

Cost Breakdown

A one-bedroom apartment in the center runs $114 in Kardzhali and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kardzhali pays 270% 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 Kardzhali vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $189 vs $206 per month, with Kardzhali cheaper across the board.

Good to know

🇧🇬 Kardzhali

🇵🇭 Cebu

🕒 Local time

15:35 3:35 PM

20:35 8:35 PM

5 h ahead of Kardzhali

🌤 Weather

👥 Population

49,421

964,169

💱 Currency

Bulgarian Lev BGN лв.

Philippine Peso PHP ₱

📈 Exchange rate

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to BGN – Bulgarian Lev Converter

🇺🇸 United States Dollar ($)

🇧🇬 Bulgarian Lev (лв.)

Bulgarian Lev exchange rates as of October 18, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to BGN in detail →

On the map

Lowest

Highest

Between locations

Kardzhali Cebu 9,950 km ≈ 13 h nonstop flight

From you

Kardzhali
Cebu

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

Kardzhali vs Cebu: Cost of Living - Frequently Asked Questions

Kardzhali is cheaper overall, especially in groceries, clothing, and leisure. The 40% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 270% higher in Kardzhali, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $114 in Kardzhali versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $653 per month in Kardzhali versus $918 in Cebu – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kardzhali runs roughly 14% 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 Kardzhali gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kardzhali 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, Kardzhali and Cebu 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 Kardzhali gentler on the wallet – expenses run 40% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.