Last update: Oct 2026

Cost of Living Comparison Between Razgrad and Cebu

For one person, living is cheaper in Razgrad: $826 a month against $915 in Cebu, rent and utilities included – about $1,100 less a year. Higher rent and utilities in Cebu outweigh lower spending on other living expenses.

40

Cost of Living Index in Razgrad
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Razgrad Living Index
44

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Razgrad

🇧🇬 Bulgaria

$826

/mo nomad

Cebu

🇵🇭 Philippines

$915

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $826 in Razgrad versus $915 in Cebu.

Razgrad $826
Cebu $915

Estimated couple costs with rent: $1,269 in Razgrad versus $1,418 in Cebu.

Razgrad $1,269
Cebu $1,418

Monthly costs for a family of three with rent: $1,713 in Razgrad versus $1,921 in Cebu.

Razgrad $1,713
Cebu $1,921

Living in Razgrad costs roughly 10% less than in Cebu, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$8.44 BGN 14.68

$3.05 ₱192

176.72%

Three-Course Dinner for Two, Mid-Range

$22.52 BGN 39.18

$24.00 ₱1,511

-6.17%

Fast Food Meal (McDonalds, etc)

$8.71 BGN 15.16

$3.99 ₱251

118.30%

Cappuccino

$1.90 BGN 3.30

$2.50 ₱157

-24.00%

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

$1.58 BGN 2.74

$1.54 ₱97.1

2.60%

Water (0.33 liter bottle)

$1.15 BGN 2.01

$0.50 ₱31.37

130.00%

Local Beer (0.5 liter draught)

$1.81 BGN 3.15

$1.78 ₱112

1.69%

Imported Beer (0.33 liter bottle)

$2.33 BGN 4.06

$2.17 ₱136

7.37%

Milk (1 liter)

$1.65 BGN 2.87

$2.00 ₱126

-17.50%

White Bread (500g)

$0.82 BGN 1.43

$1.37 ₱86.2

-40.15%

Rice (white) (1kg)

$2.18 BGN 3.79

$1.03 ₱64.9

111.65%

Eggs

$3.31 BGN 5.75

$2.03 ₱128

63.05%

Local Cheese (1kg)

$6.92 BGN 12.05

$10.20 ₱642

-32.16%

Chicken Fillets (1kg)

$7.87 BGN 13.69

$4.45 ₱280

76.85%

Beef Round Steak (1kg)

$13.98 BGN 24.33

$7.67 ₱483

82.27%

Apples (1kg)

$1.25 BGN 2.18

$3.31 ₱208

-62.24%

Banana (1kg)

$1.79 BGN 3.11

$1.46 ₱91.8

22.60%

Oranges (1kg)

$1.48 BGN 2.57

$2.32 ₱146

-36.21%

Tomato (1kg)

$1.86 BGN 3.23

$1.49 ₱94.0

24.83%

Potato (1kg)

$0.82 BGN 1.42

$2.34 ₱147

-64.96%

Onion (1kg)

$0.99 BGN 1.72

$1.94 ₱122

-48.97%

Lettuce (1 head)

$1.00 BGN 1.74

$1.16 ₱73.0

-13.79%

Water (1.5 liter bottle)

$0.60 BGN 1.04

$0.68 ₱42.89

-11.76%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 BGN 5.78

$2.99 ₱188

11.04%

Wine (Bottle)

$4.22 BGN 7.34

$6.24 ₱393

-32.37%

Local Beer (0.5 liter bottle)

$0.99 BGN 1.72

$1.23 ₱77.3

-19.51%

Imported Beer (0.33 liter bottle)

$1.27 BGN 2.21

$1.73 ₱109

-26.59%

One-way Ticket (Public Transport)

$0.88 BGN 1.54

$0.23 ₱14.36

282.61%

Public Transport Monthly Pass (Regular Price)

$17.16 BGN 29.86

$12.34 ₱777

39.06%

Taxi Start (Normal Tariff)

$1.27 BGN 2.21

$0.79 ₱49.96

60.76%

Taxi (Normal Tariff) (1km)

$0.61 BGN 1.06

$0.22 ₱13.86

177.27%

Taxi 1hour Waiting (Normal Tariff)

$10.09 BGN 17.56

$4.54 ₱286

122.25%

Gasoline (1 liter)

$1.49 BGN 2.60

$1.32 ₱82.9

12.88%

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

$22.7K BGN 39.6K

$21.0K ₱1.3M

8.30%

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

$25.0K BGN 43.4K

$19.4K ₱1.2M

28.67%

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

$76.8 BGN 134

$119 ₱7,464

-35.19%

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

$14.68 BGN 25.55

$14.22 ₱896

3.23%

Internet (50+ Mbps, Unlimited Data)

$11.66 BGN 20.29

$27.47 ₱1,730

-57.55%

Gym Membership (Monthly)

$26.36 BGN 45.88

$32.31 ₱2,034

-18.42%

Tennis Court (1 Hour on Weekend)

$17.24 BGN 30.00

$6.50 ₱409

165.23%

Cinema Ticket

$6.70 BGN 11.66

$5.40 ₱340

24.07%

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

$509 BGN 886

$276 ₱17.4K

84.50%

International Primary School, 1 Child (Yearly)

$5,354 BGN 9,316

$7,866 ₱495.3K

-31.94%

Jeans (Levis 501 Or Similar)

$33.63 BGN 58.5

$49.37 ₱3,108

-31.88%

Summer Dress (H&M, Zara, etc)

$16.80 BGN 29.24

$24.58 ₱1,548

-31.65%

Sport Shoes (Adidas, Nike)

$91.9 BGN 160

$76.6 ₱4,825

19.87%

Men's Leather Business Shoes

$102 BGN 178

$58.9 ₱3,706

74.11%

1-bedroom Apartment, City Center (Monthly)

$278 BGN 483

$503 ₱31.7K

-44.88%

1-bedroom Apartment, Outside City Center (Monthly)

$194 BGN 338

$305 ₱19.2K

-36.21%

3-bedroom Apartment, City Center (Monthly)

$366 BGN 636

$1,075 ₱67.7K

-65.99%

3-bedroom Apartment, Outside City Center (Monthly)

$301 BGN 523

$632 ₱39.8K

-52.44%

Buy Apartment in City Center (m2)

$1,096 BGN 1,907

$2,870 ₱180.7K

-61.81%

Buy Apartment Outside City Center (m2)

$727 BGN 1,265

$1,877 ₱118.2K

-61.26%

Average Monthly Net Salary (After Tax)

$1,209 BGN 2,104

$336 ₱21.1K

259.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.1

7.2

-56.94%

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

Last update for Razgrad: October 19, 2026

Last update for Cebu: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Razgrad

$212 25.7%

Cebu

$210 22.9% 1.3% $2.8

Accommodation & Living

Razgrad

$194 23.5%

Cebu

$305 33.3% 56.8% $110

Eating Out

Razgrad

$141 17.1%

Cebu

$88 9.6% 37.8% $53

Clothing & Footwear

Razgrad

$110 13.3%

Cebu

$94 10.3% 14.4% $16

Monthly Utilities & Internet

Razgrad

$103 12.5%

Cebu

$160 17.5% 55.3% $57

Sport & Entertainment

Razgrad

$40 4.8%

Cebu

$43 4.7% 8.4% $3.3

Getting Around

Razgrad

$25 3%

Cebu

$15 1.7% 39.4% $9.8

Cost Breakdown

A one-bedroom apartment in the center runs $278 in Razgrad and $503 in Cebu. Housing cost is often the main lever when comparing two cities.

Razgrad pays 260% 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 Razgrad vs $24.00 in Cebu. Groceries flip the comparison at $212 vs $210, with Cebu cheaper for home cooking.

Good to know

🇧🇬 Razgrad

🇵🇭 Cebu

🕒 Local time

19:50 7:50 PM

00:50 12:50 AM

5 h ahead of Razgrad

🌤 Weather

👥 Population

35,049

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 20, 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 20, 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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Between locations

Razgrad Cebu 9,810 km ≈ 13 h nonstop flight

From you

Razgrad
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

Razgrad vs Cebu: Cost of Living - Frequently Asked Questions

Razgrad is cheaper overall, especially in leisure and utilities. The 11% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 260% higher in Razgrad, 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: $278 in Razgrad versus $503 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $826 per month in Razgrad versus $915 in Cebu – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Razgrad runs roughly 39% 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 Razgrad gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Razgrad 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, Razgrad 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 Razgrad gentler on the wallet – expenses run 11% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.