Cost of Living Comparison Between Kardzhali and Ubud, Bali Cost of Living Comparison Between Kardzhali and Ubud, Bali

Monthly Cost of Living

A single person spends $716 per month in Kardzhali vs $1,392 in Ubud, Bali, rent included.

A couple spends around $1,167 per month in Kardzhali vs $2,557 in Ubud, Bali, rent included.

A family of three spends $1,619 per month in Kardzhali vs $3,723 in Ubud, Bali, rent included.

Kardzhali is about 49% cheaper than Ubud, Bali, driven mainly by Sport & Entertainment.

Kardzhali sits 46% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.62 BGN 14.34

$3.57 Rp 64.5K

141.46%

Three-Course Dinner for Two, Mid-Range

$26.60 BGN 44.25

$32.32 Rp 583.4K

-17.70%

Fast Food Meal (McDonalds, etc)

$8.63 BGN 14.35

$5.01 Rp 90.4K

72.26%

Cappuccino

$1.20 BGN 1.99

$2.82 Rp 51.0K

-57.45%

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

$0.85 BGN 1.41

$1.35 Rp 24.4K

-37.04%

Water (0.33 liter bottle)

$1.45 BGN 2.41

$0.73 Rp 13.2K

98.63%

Local Beer (0.5 liter draught)

$1.69 BGN 2.81

$2.93 Rp 53.0K

-42.32%

Imported Beer (0.33 liter bottle)

$1.28 BGN 2.12

$3.94 Rp 71.1K

-67.51%

Milk (1 liter)

$1.81 BGN 3.00

$1.78 Rp 32.1K

1.69%

White Bread (500g)

$0.76 BGN 1.27

$2.45 Rp 44.2K

-68.98%

Rice (white) (1kg)

$1.79 BGN 2.97

$1.15 Rp 20.7K

55.65%

Eggs

$3.13 BGN 5.22

$2.41 Rp 43.6K

29.88%

Local Cheese (1kg)

$12.46 BGN 20.73

$14.33 Rp 258.7K

-13.05%

Chicken Fillets (1kg)

$8.66 BGN 14.41

$4.19 Rp 75.6K

106.68%

Beef Round Steak (1kg)

$13.24 BGN 22.02

$12.06 Rp 217.7K

9.78%

Apples (1kg)

$1.83 BGN 3.05

$3.64 Rp 65.7K

-49.73%

Banana (1kg)

$1.90 BGN 3.15

$1.57 Rp 28.3K

21.02%

Oranges (1kg)

$2.00 BGN 3.33

$2.79 Rp 50.3K

-28.32%

Tomato (1kg)

$2.16 BGN 3.59

$2.24 Rp 40.5K

-3.57%

Potato (1kg)

$0.89 BGN 1.48

$1.98 Rp 35.7K

-55.05%

Onion (1kg)

$1.02 BGN 1.69

$2.28 Rp 41.1K

-55.26%

Lettuce (1 head)

$0.90 BGN 1.49

$1.05 Rp 19.0K

-14.29%

Water (1.5 liter bottle)

$0.72 BGN 1.20

$0.79 Rp 14.2K

-8.86%

Cigarettes 20 Pack (Marlboro, Camel)

$3.86 BGN 6.43

$3.19 Rp 57.6K

21.00%

Wine (Bottle)

$4.67 BGN 7.77

$23.49 Rp 424.1K

-80.12%

Local Beer (0.5 liter bottle)

$1.04 BGN 1.74

$2.90 Rp 52.3K

-64.14%

Imported Beer (0.33 liter bottle)

$1.80 BGN 2.99

$2.76 Rp 49.7K

-34.78%

One-way Ticket (Public Transport)

$0.28 BGN 0.46

$0.27 Rp 4,813

3.70%

Public Transport Monthly Pass (Regular Price)

$8.63 BGN 14.35

$8.37 Rp 151.1K

3.11%

Taxi Start (Normal Tariff)

$1.04 BGN 1.72

$0.45 Rp 8,167

131.11%

Taxi (Normal Tariff) (1km)

$0.68 BGN 1.13

$0.46 Rp 8,298

47.83%

Taxi 1hour Waiting (Normal Tariff)

$14.29 BGN 23.77

$6.07 Rp 109.6K

135.42%

Gasoline (1 liter)

$1.53 BGN 2.55

$0.86 Rp 15.6K

77.91%

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

$32.3K BGN 53.8K

$26.6K Rp 480.0M

21.62%

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

$29.1K BGN 48.4K

$32.5K Rp 587.6M

-10.69%

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

$62.3 BGN 104

$79.0 Rp 1.4M

-21.22%

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

$17.87 BGN 29.73

$4.09 Rp 73.9K

336.92%

Internet (50+ Mbps, Unlimited Data)

$5.91 BGN 9.83

$23.85 Rp 430.5K

-75.22%

Gym Membership (Monthly)

$29.08 BGN 48.38

$98.8 Rp 1.8M

-70.56%

Tennis Court (1 Hour on Weekend)

$14.74 BGN 24.52

$6.35 Rp 114.7K

132.13%

Cinema Ticket

$9.66 BGN 16.06

$4.01 Rp 72.3K

140.90%

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

$639 BGN 1,063

$297 Rp 5.4M

114.89%

International Primary School, 1 Child (Yearly)

$9,291 BGN 15.5K

$6,602 Rp 119.2M

40.73%

Jeans (Levis 501 Or Similar)

$29.63 BGN 49.29

$53.4 Rp 964.5K

-44.54%

Summer Dress (H&M, Zara, etc)

$17.61 BGN 29.29

$38.11 Rp 688.1K

-53.79%

Sport Shoes (Adidas, Nike)

$47.63 BGN 79.2

$88.7 Rp 1.6M

-46.27%

Men's Leather Business Shoes

$88.8 BGN 148

$76.6 Rp 1.4M

15.95%

1-bedroom Apartment, City Center (Monthly)

$116 BGN 192

$1,020 Rp 18.4M

-88.65%

1-bedroom Apartment, Outside City Center (Monthly)

$119 BGN 199

$680 Rp 12.3M

-82.44%

3-bedroom Apartment, City Center (Monthly)

$239 BGN 397

$3,469 Rp 62.6M

-93.12%

3-bedroom Apartment, Outside City Center (Monthly)

$208 BGN 347

$2,090 Rp 37.7M

-90.03%

Buy Apartment in City Center (m2)

$1,144 BGN 1,903

$2,729 Rp 49.3M

-58.08%

Buy Apartment Outside City Center (m2)

$855 BGN 1,423

$2,295 Rp 41.4M

-62.75%

Average Monthly Net Salary (After Tax)

$1,289 BGN 2,145

$164 Rp 3.0M

687.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.1

13.28

-76.66%

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

Last update for Kardzhali: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A central one-bedroom costs $116 in Kardzhali versus $1,020 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 688% higher in Kardzhali, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $27.00 in Kardzhali versus $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $240 vs $298 – making Kardzhali the more affordable choice for daily food spending.

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 Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 95% more than Kardzhali, with the gap driven mainly by Sport & Entertainment. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,073 per month in Kardzhali and $2,088 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kardzhali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $716 in Kardzhali and $1,392 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 3% less in Kardzhali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Kardzhali, where all-in costs run around $716, than in Ubud, Bali at $1,392. In Kardzhali it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Kardzhali costs $716 versus $1,392 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Kardzhali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.