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 $718 per month in Kardzhali vs $1,404 in Ubud, Bali, rent included.

A couple spends around $1,153 per month in Kardzhali vs $2,549 in Ubud, Bali, rent included.

A family of three spends $1,588 per month in Kardzhali vs $3,694 in Ubud, Bali, rent included.

Kardzhali is about 49% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Kardzhali sits 47% below the global median, while Ubud, Bali is 4% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.61 BGN 14.32

$3.57 Rp 64.0K

141.18%

Three-Course Dinner for Two, Mid-Range

$26.23 BGN 43.63

$32.50 Rp 582.3K

-19.29%

Fast Food Meal (McDonalds, etc)

$8.98 BGN 14.95

$4.86 Rp 87.1K

84.77%

Cappuccino

$1.20 BGN 1.99

$2.75 Rp 49.2K

-56.36%

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

$0.85 BGN 1.42

$1.32 Rp 23.7K

-35.61%

Water (0.33 liter bottle)

$1.39 BGN 2.32

$0.70 Rp 12.6K

98.57%

Local Beer (0.5 liter draught)

$1.62 BGN 2.69

$2.91 Rp 52.2K

-44.33%

Imported Beer (0.33 liter bottle)

$1.32 BGN 2.20

$3.79 Rp 68.0K

-65.17%

Milk (1 liter)

$1.80 BGN 2.99

$1.71 Rp 30.6K

5.26%

White Bread (500g)

$0.84 BGN 1.39

$2.47 Rp 44.3K

-65.99%

Rice (white) (1kg)

$1.80 BGN 2.99

$1.20 Rp 21.5K

50.00%

Eggs

$3.19 BGN 5.30

$2.44 Rp 43.8K

30.74%

Local Cheese (1kg)

$12.44 BGN 20.70

$14.38 Rp 257.7K

-13.49%

Chicken Fillets (1kg)

$8.51 BGN 14.15

$4.31 Rp 77.1K

97.45%

Beef Round Steak (1kg)

$12.92 BGN 21.50

$12.21 Rp 218.7K

5.81%

Apples (1kg)

$1.85 BGN 3.07

$3.68 Rp 66.0K

-49.73%

Banana (1kg)

$1.88 BGN 3.13

$1.55 Rp 27.8K

21.29%

Oranges (1kg)

$2.03 BGN 3.37

$2.79 Rp 49.9K

-27.24%

Tomato (1kg)

$2.20 BGN 3.66

$2.33 Rp 41.8K

-5.58%

Potato (1kg)

$0.90 BGN 1.50

$1.97 Rp 35.3K

-54.31%

Onion (1kg)

$1.04 BGN 1.73

$2.31 Rp 41.4K

-54.98%

Lettuce (1 head)

$0.87 BGN 1.45

$1.06 Rp 19.1K

-17.92%

Water (1.5 liter bottle)

$0.72 BGN 1.19

$0.73 Rp 13.1K

-1.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.90 BGN 6.49

$3.28 Rp 58.8K

18.90%

Wine (Bottle)

$4.62 BGN 7.69

$22.79 Rp 408.4K

-79.73%

Local Beer (0.5 liter bottle)

$1.06 BGN 1.76

$2.81 Rp 50.3K

-62.28%

Imported Beer (0.33 liter bottle)

$1.74 BGN 2.89

$2.78 Rp 49.9K

-37.41%

One-way Ticket (Public Transport)

$0.28 BGN 0.46

$0.29 Rp 5,217

-3.45%

Public Transport Monthly Pass (Regular Price)

$8.71 BGN 14.50

$8.06 Rp 144.4K

8.06%

Taxi Start (Normal Tariff)

$1.09 BGN 1.81

$0.45 Rp 8,047

142.22%

Taxi (Normal Tariff) (1km)

$0.68 BGN 1.13

$0.45 Rp 8,094

51.11%

Taxi 1hour Waiting (Normal Tariff)

$14.09 BGN 23.45

$6.24 Rp 111.7K

125.80%

Gasoline (1 liter)

$1.55 BGN 2.57

$0.85 Rp 15.2K

82.35%

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

$32.7K BGN 54.3K

$26.0K Rp 465.4M

25.75%

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

$28.8K BGN 47.9K

$31.7K Rp 567.2M

-9.13%

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

$61.2 BGN 102

$80.8 Rp 1.4M

-24.16%

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

$17.92 BGN 29.81

$4.06 Rp 72.7K

341.38%

Internet (50+ Mbps, Unlimited Data)

$5.95 BGN 9.89

$24.42 Rp 437.6K

-75.63%

Gym Membership (Monthly)

$29.55 BGN 49.17

$97.7 Rp 1.7M

-69.75%

Tennis Court (1 Hour on Weekend)

$14.90 BGN 24.79

$6.45 Rp 115.5K

131.01%

Cinema Ticket

$9.58 BGN 15.95

$4.04 Rp 72.4K

137.13%

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

$619 BGN 1,031

$304 Rp 5.4M

103.75%

International Primary School, 1 Child (Yearly)

$9,147 BGN 15.2K

$6,621 Rp 118.6M

38.14%

Jeans (Levis 501 Or Similar)

$29.54 BGN 49.14

$54.2 Rp 971.7K

-45.53%

Summer Dress (H&M, Zara, etc)

$17.90 BGN 29.77

$38.78 Rp 694.7K

-53.84%

Sport Shoes (Adidas, Nike)

$47.04 BGN 78.3

$86.1 Rp 1.5M

-45.39%

Men's Leather Business Shoes

$89.3 BGN 149

$76.7 Rp 1.4M

16.43%

1-bedroom Apartment, City Center (Monthly)

$117 BGN 195

$986 Rp 17.7M

-88.12%

1-bedroom Apartment, Outside City Center (Monthly)

$117 BGN 194

$658 Rp 11.8M

-82.29%

3-bedroom Apartment, City Center (Monthly)

$234 BGN 390

$3,369 Rp 60.4M

-93.05%

3-bedroom Apartment, Outside City Center (Monthly)

$210 BGN 350

$2,066 Rp 37.0M

-89.82%

Buy Apartment in City Center (m2)

$1,181 BGN 1,964

$2,741 Rp 49.1M

-56.94%

Buy Apartment Outside City Center (m2)

$887 BGN 1,475

$2,228 Rp 39.9M

-60.19%

Average Monthly Net Salary (After Tax)

$1,326 BGN 2,207

$163 Rp 2.9M

711.67%

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: June 7, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A central one-bedroom costs $117 in Kardzhali versus $986 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 712% 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 $26.00 in Kardzhali versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $239 vs $297 – 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 Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,078 per month in Kardzhali and $2,106 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 $718 in Kardzhali and $1,404 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 8% 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 $718, than in Ubud, Bali at $1,404. 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 $718 versus $1,404 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.