Last update: Oct 2026

Cost of Living Comparison Between Vratsa and Cebu

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.

40

Cost of Living Index in Vratsa
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Vratsa Living Index
45

Cost of Living Index in Cebu
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Cebu Living Index

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Vratsa

🇧🇬 Bulgaria

$826

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

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

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

Vratsa $826
Cebu $934

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

Vratsa $1,255
Cebu $1,423

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

Vratsa $1,684
Cebu $1,913

Living in Vratsa costs roughly 11% less than in Cebu, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$8.49 BGN 14.85

$3.79 ₱242

124.01%

Three-Course Dinner for Two, Mid-Range

$28.23 BGN 49.41

$23.33 ₱1,487

21.00%

Fast Food Meal (McDonalds, etc)

$5.65 BGN 9.88

$3.94 ₱251

43.40%

Cappuccino

$2.22 BGN 3.88

$2.54 ₱162

-12.60%

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

$1.56 BGN 2.73

$1.57 ₱99.9

-0.64%

Water (0.33 liter bottle)

$0.82 BGN 1.44

$0.47 ₱29.74

74.47%

Local Beer (0.5 liter draught)

$1.68 BGN 2.94

$1.77 ₱112

-5.08%

Imported Beer (0.33 liter bottle)

$2.03 BGN 3.55

$2.22 ₱141

-8.56%

Milk (1 liter)

$1.33 BGN 2.32

$1.90 ₱121

-30.00%

White Bread (500g)

$0.84 BGN 1.47

$1.36 ₱86.9

-38.24%

Rice (white) (1kg)

$1.35 BGN 2.36

$0.94 ₱59.7

43.62%

Eggs

$2.28 BGN 3.99

$1.99 ₱127

14.57%

Local Cheese (1kg)

$9.35 BGN 16.36

$9.70 ₱618

-3.61%

Chicken Fillets (1kg)

$5.62 BGN 9.83

$4.32 ₱275

30.09%

Beef Round Steak (1kg)

$8.41 BGN 14.71

$7.51 ₱479

11.98%

Apples (1kg)

$1.25 BGN 2.19

$3.31 ₱211

-62.24%

Banana (1kg)

$1.64 BGN 2.87

$1.37 ₱87.3

19.71%

Oranges (1kg)

$1.11 BGN 1.94

$2.34 ₱149

-52.56%

Tomato (1kg)

$1.73 BGN 3.02

$1.49 ₱95.1

16.11%

Potato (1kg)

$0.98 BGN 1.72

$2.30 ₱146

-57.39%

Onion (1kg)

$0.71 BGN 1.25

$1.87 ₱119

-62.03%

Lettuce (1 head)

$0.56 BGN 0.98

$1.10 ₱70.2

-49.09%

Water (1.5 liter bottle)

$0.54 BGN 0.95

$0.63 ₱40.25

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.49 BGN 6.10

$2.86 ₱182

22.03%

Wine (Bottle)

$5.22 BGN 9.13

$6.08 ₱388

-14.14%

Local Beer (0.5 liter bottle)

$1.08 BGN 1.90

$1.27 ₱81.2

-14.96%

Imported Beer (0.33 liter bottle)

$1.74 BGN 3.04

$1.72 ₱109

1.16%

One-way Ticket (Public Transport)

$0.82 BGN 1.44

$0.22 ₱13.95

272.73%

Public Transport Monthly Pass (Regular Price)

$25.24 BGN 44.17

$12.34 ₱786

104.54%

Taxi Start (Normal Tariff)

$0.88 BGN 1.54

$0.74 ₱47.40

18.92%

Taxi (Normal Tariff) (1km)

$0.62 BGN 1.08

$0.22 ₱14.05

181.82%

Taxi 1hour Waiting (Normal Tariff)

$6.45 BGN 11.28

$4.28 ₱272

50.70%

Gasoline (1 liter)

$1.56 BGN 2.73

$1.31 ₱83.5

19.08%

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

$30.4K BGN 53.3K

$20.8K ₱1.3M

46.57%

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

$23.4K BGN 41.0K

$19.0K ₱1.2M

22.91%

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

$94.3 BGN 165

$118 ₱7,545

-20.34%

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

$12.63 BGN 22.09

$15.76 ₱1,004

-19.86%

Internet (50+ Mbps, Unlimited Data)

$12.23 BGN 21.40

$28.33 ₱1,805

-56.83%

Gym Membership (Monthly)

$22.92 BGN 40.11

$32.94 ₱2,099

-30.42%

Tennis Court (1 Hour on Weekend)

$19.29 BGN 33.77

$6.49 ₱413

197.23%

Cinema Ticket

$5.80 BGN 10.15

$5.45 ₱347

6.42%

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

$223 BGN 390

$276 ₱17.6K

-19.28%

International Primary School, 1 Child (Yearly)

$2,257 BGN 3,949

$7,789 ₱496.3K

-71.03%

Jeans (Levis 501 Or Similar)

$30.65 BGN 53.6

$48.18 ₱3,070

-36.38%

Summer Dress (H&M, Zara, etc)

$19.41 BGN 33.97

$24.47 ₱1,559

-20.68%

Sport Shoes (Adidas, Nike)

$64.4 BGN 113

$75.3 ₱4,797

-14.43%

Men's Leather Business Shoes

$50.4 BGN 88.2

$58.0 ₱3,697

-13.10%

1-bedroom Apartment, City Center (Monthly)

$337 BGN 590

$477 ₱30.4K

-29.31%

1-bedroom Apartment, Outside City Center (Monthly)

$253 BGN 444

$322 ₱20.5K

-21.24%

3-bedroom Apartment, City Center (Monthly)

$550 BGN 962

$963 ₱61.4K

-42.91%

3-bedroom Apartment, Outside City Center (Monthly)

$401 BGN 703

$626 ₱39.9K

-35.84%

Buy Apartment in City Center (m2)

$1,309 BGN 2,291

$4,551 ₱290.0K

-71.24%

Buy Apartment Outside City Center (m2)

$1,114 BGN 1,950

$3,028 ₱193.0K

-63.20%

Average Monthly Net Salary (After Tax)

$1,080 BGN 1,890

$333 ₱21.2K

223.95%

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 Vratsa: October 25, 2026

Last update for Cebu: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Vratsa

$253 30.7%

Cebu

$322 34.5% 27% $68

Groceries & Markets

Vratsa

$179 21.7%

Cebu

$204 21.8% 13.7% $25

Eating Out

Vratsa

$133 16.2%

Cebu

$94 10.1% 29.5% $39

Monthly Utilities & Internet

Vratsa

$119 14.4%

Cebu

$163 17.4% 36.3% $43

Clothing & Footwear

Vratsa

$74 9%

Cebu

$93 9.9% 24.9% $18

Sport & Entertainment

Vratsa

$35 4.2%

Cebu

$44 4.7% 27% $9.3

Getting Around

Vratsa

$33 3.9%

Cebu

$15 1.6% 53.7% $17

Cost Breakdown

A one-bedroom apartment in the center runs $337 in Vratsa and $477 in Cebu. 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: $28 in Vratsa vs $23 in Cebu. Groceries flip the comparison at $179 vs $204, with Vratsa cheaper for home cooking.

Good to know

🇧🇬 Vratsa

🇵🇭 Cebu

🕒 Local time

22:42 10:42 PM

04:42 4:42 AM

6 h ahead of Vratsa

🌤 Weather

👥 Population

60,877

964,169

💱 Currency

Bulgarian Lev BGN лв.

Philippine Peso PHP ₱

📈 Exchange rate

1 BGN = 0.571 USD

1 BGN = 0.512 EUR

100 PHP = 1.57 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 November 1, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.95 BGN (1 BGN = 0.512 EUR).

Philippine Peso exchange rates as of November 1, 2026: 1 USD = 63.72 PHP (100 PHP = 1.57 USD). 1 EUR = 71.15 PHP (100 PHP = 1.41 EUR).

USD to BGN in detail →

On the map

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Between locations

Vratsa Cebu 10,050 km ≈ 13 h nonstop flight

From you

Vratsa
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

Vratsa vs Cebu: 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.

Average pay in Vratsa is about 3.2 times higher, 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: $337 in Vratsa versus $477 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 Vratsa versus $934 in Cebu – 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, Vratsa and Cebu are both considered safe, so it’s unlikely to be the deciding factor between them.