Last update: Oct 2026

Cost of Living Comparison Between Kyustendil and Cebu

For one person, living is cheaper in Kyustendil: $796 a month against $918 in Cebu, rent and utilities included – about $1,500 less a year. Rent and utilities account for most of the difference.

39

Cost of Living Index in Kyustendil
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Kyustendil Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Kyustendil

🇧🇬 Bulgaria

$796

/mo nomad

Cebu

🇵🇭 Philippines

$918

/mo nomad

Monthly Cost of Living

How much you'll spend in Kyustendil 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 Kyustendil and in Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $796 in Kyustendil versus $918 in Cebu.

Kyustendil $796
Cebu $918

Estimated couple costs with rent: $1,225 in Kyustendil versus $1,409 in Cebu.

Kyustendil $1,225
Cebu $1,409

Monthly costs for a family of three with rent: $1,653 in Kyustendil versus $1,900 in Cebu.

Kyustendil $1,653
Cebu $1,900

Living in Kyustendil costs roughly 13% less than in Cebu, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Kyustendil 41% lower, Cebu 32% lower.

Meal at Budget Restaurant

$10.21 BGN 17.76

$3.09 ₱194

230.42%

Three-Course Dinner for Two, Mid-Range

$33.94 BGN 59.1

$24.22 ₱1,525

40.13%

Fast Food Meal (McDonalds, etc)

$5.18 BGN 9.01

$3.92 ₱247

32.14%

Cappuccino

$1.42 BGN 2.47

$2.51 ₱158

-43.43%

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

$1.11 BGN 1.93

$1.59 ₱100

-30.19%

Water (0.33 liter bottle)

$0.66 BGN 1.14

$0.53 ₱33.43

24.53%

Local Beer (0.5 liter draught)

$1.15 BGN 2.00

$1.78 ₱112

-35.39%

Imported Beer (0.33 liter bottle)

$1.44 BGN 2.51

$2.17 ₱137

-33.64%

Milk (1 liter)

$1.61 BGN 2.80

$1.92 ₱121

-16.15%

White Bread (500g)

$0.71 BGN 1.23

$1.36 ₱85.4

-47.79%

Rice (white) (1kg)

$1.50 BGN 2.60

$1.01 ₱63.5

48.51%

Eggs

$2.31 BGN 4.02

$2.03 ₱128

13.79%

Local Cheese (1kg)

$6.85 BGN 11.92

$9.86 ₱621

-30.53%

Chicken Fillets (1kg)

$3.93 BGN 6.83

$4.39 ₱277

-10.48%

Beef Round Steak (1kg)

$7.44 BGN 12.95

$7.60 ₱479

-2.11%

Apples (1kg)

$0.72 BGN 1.25

$3.30 ₱208

-78.18%

Banana (1kg)

$1.68 BGN 2.92

$1.39 ₱87.8

20.86%

Oranges (1kg)

$1.11 BGN 1.93

$2.33 ₱147

-52.36%

Tomato (1kg)

$1.58 BGN 2.75

$1.50 ₱94.3

5.33%

Potato (1kg)

$0.61 BGN 1.06

$2.36 ₱149

-74.15%

Onion (1kg)

$0.55 BGN 0.96

$1.90 ₱119

-71.05%

Lettuce (1 head)

$0.56 BGN 0.97

$1.19 ₱74.9

-52.94%

Water (1.5 liter bottle)

$0.62 BGN 1.08

$0.63 ₱39.71

-1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.47 BGN 6.03

$3.00 ₱189

15.67%

Wine (Bottle)

$4.07 BGN 7.08

$6.03 ₱379

-32.50%

Local Beer (0.5 liter bottle)

$0.82 BGN 1.42

$1.23 ₱77.7

-33.33%

Imported Beer (0.33 liter bottle)

$0.65 BGN 1.14

$1.75 ₱110

-62.86%

One-way Ticket (Public Transport)

$0.90 BGN 1.57

$0.25 ₱15.86

260.00%

Public Transport Monthly Pass (Regular Price)

$24.57 BGN 42.76

$12.64 ₱796

94.38%

Taxi Start (Normal Tariff)

$1.28 BGN 2.23

$0.77 ₱48.62

66.23%

Taxi (Normal Tariff) (1km)

$0.66 BGN 1.14

$0.23 ₱14.53

186.96%

Taxi 1hour Waiting (Normal Tariff)

$11.21 BGN 19.50

$4.46 ₱281

151.35%

Gasoline (1 liter)

$1.61 BGN 2.80

$1.31 ₱82.8

22.90%

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

$14.2K BGN 24.7K

$21.2K ₱1.3M

-33.05%

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

$13.3K BGN 23.1K

$19.1K ₱1.2M

-30.53%

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

$92.8 BGN 162

$120 ₱7,569

-22.78%

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

$14.89 BGN 25.91

$14.00 ₱882

6.36%

Internet (50+ Mbps, Unlimited Data)

$12.09 BGN 21.03

$27.54 ₱1,734

-56.10%

Gym Membership (Monthly)

$30.34 BGN 52.8

$32.33 ₱2,035

-6.16%

Tennis Court (1 Hour on Weekend)

$17.35 BGN 30.19

$6.65 ₱419

160.90%

Cinema Ticket

$3.98 BGN 6.92

$5.65 ₱356

-29.56%

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

$114 BGN 198

$275 ₱17.3K

-58.73%

International Primary School, 1 Child (Yearly)

$2,325 BGN 4,045

$7,918 ₱498.5K

-70.64%

Jeans (Levis 501 Or Similar)

$30.00 BGN 52.2

$49.33 ₱3,106

-39.19%

Summer Dress (H&M, Zara, etc)

$19.59 BGN 34.08

$25.24 ₱1,589

-22.39%

Sport Shoes (Adidas, Nike)

$60.9 BGN 106

$77.0 ₱4,846

-20.88%

Men's Leather Business Shoes

$45.29 BGN 78.8

$57.2 ₱3,601

-20.82%

1-bedroom Apartment, City Center (Monthly)

$336 BGN 585

$500 ₱31.5K

-32.73%

1-bedroom Apartment, Outside City Center (Monthly)

$252 BGN 439

$309 ₱19.4K

-18.32%

3-bedroom Apartment, City Center (Monthly)

$554 BGN 963

$1,078 ₱67.9K

-48.63%

3-bedroom Apartment, Outside City Center (Monthly)

$402 BGN 700

$615 ₱38.7K

-34.64%

Buy Apartment in City Center (m2)

$1,315 BGN 2,287

$2,886 ₱181.7K

-54.45%

Buy Apartment Outside City Center (m2)

$1,054 BGN 1,833

$1,917 ₱120.7K

-45.02%

Average Monthly Net Salary (After Tax)

$646 BGN 1,125

$346 ₱21.8K

86.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.99

7.2

-58.47%

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

Last update for Kyustendil: October 12, 2026

Last update for Cebu: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Kyustendil

$252 31.7%

Cebu

$309 33.6% 22.4% $57

Groceries & Markets

Kyustendil

$153 19.2%

Cebu

$206 22.4% 34.4% $53

Eating Out

Kyustendil

$130 16.3%

Cebu

$88 9.6% 32.1% $42

Monthly Utilities & Internet

Kyustendil

$120 15.1%

Cebu

$162 17.6% 35% $42

Clothing & Footwear

Kyustendil

$70 8.8%

Cebu

$94 10.2% 34% $24

Sport & Entertainment

Kyustendil

$38 4.8%

Cebu

$44 4.8% 13.9% $5.3

Getting Around

Kyustendil

$33 4.1%

Cebu

$16 1.7% 52.4% $17

Cost Breakdown

A one-bedroom apartment in the center runs $336 in Kyustendil and $500 in Cebu. Housing cost is often the main lever when comparing two cities.

Kyustendil pays 87% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $34.00 in Kyustendil vs $24.00 in Cebu. Groceries flip the comparison at $153 vs $206, with Kyustendil cheaper for home cooking.

Good to know

🇧🇬 Kyustendil

🇵🇭 Cebu

🕒 Local time

07:40 7:40 AM

12:40 12:40 PM

5 h ahead of Kyustendil

🌤 Weather

👥 Population

47,640

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 19, 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 19, 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

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Highest

Between locations

Kyustendil Cebu 10,140 km ≈ 13 h nonstop flight

From you

Kyustendil
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

Kyustendil vs Cebu: Cost of Living - Frequently Asked Questions

Kyustendil is cheaper overall, especially in groceries, clothing, and leisure. The 15% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 87% higher in Kyustendil, 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: $336 in Kyustendil versus $500 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $796 per month in Kyustendil versus $918 in Cebu – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kyustendil runs roughly 94% 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 Kyustendil gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Kyustendil 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, Kyustendil 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 Kyustendil gentler on the wallet – expenses run 15% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.