Last update: Oct 2026

Cost of Living Comparison Between Kardzhali and Ubud, Bali

For one person, living is cheaper in Kardzhali: $651 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,400 less a year. Rent and utilities account for most of the difference.

32

Cost of Living Index in Kardzhali
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Kardzhali Living Index
65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Kardzhali

🇧🇬 Bulgaria

$651

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Kardzhali and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Kardzhali and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $651 per month in Kardzhali vs $1,349 in Ubud, Bali, rent included.

Kardzhali $651
Ubud, Bali $1,349

A couple spends around $1,068 per month in Kardzhali vs $2,305 in Ubud, Bali, rent included.

Kardzhali $1,068
Ubud, Bali $2,305

A family of three spends $1,484 per month in Kardzhali vs $3,261 in Ubud, Bali, rent included.

Kardzhali $1,484
Ubud, Bali $3,261

Kardzhali is about 52% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$11.02 BGN 19.28

$3.32 Rp 60.2K

231.93%

Three-Course Dinner for Two, Mid-Range

$23.11 BGN 40.45

$35.64 Rp 645.8K

-35.16%

Fast Food Meal (McDonalds, etc)

$8.87 BGN 15.52

$5.53 Rp 100.3K

60.40%

Cappuccino

$1.12 BGN 1.96

$2.72 Rp 49.3K

-58.82%

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

$1.06 BGN 1.85

$1.70 Rp 30.8K

-37.65%

Water (0.33 liter bottle)

$0.74 BGN 1.29

$0.76 Rp 13.8K

-2.63%

Local Beer (0.5 liter draught)

$1.59 BGN 2.78

$2.65 Rp 48.1K

-40.00%

Imported Beer (0.33 liter bottle)

$1.33 BGN 2.33

$4.38 Rp 79.4K

-69.63%

Milk (1 liter)

$1.69 BGN 2.96

$1.49 Rp 27.0K

13.42%

White Bread (500g)

$0.72 BGN 1.25

$2.28 Rp 41.2K

-68.42%

Rice (white) (1kg)

$1.51 BGN 2.64

$1.19 Rp 21.6K

26.89%

Eggs

$2.83 BGN 4.95

$2.04 Rp 36.9K

38.73%

Local Cheese (1kg)

$10.21 BGN 17.87

$17.70 Rp 320.8K

-42.32%

Chicken Fillets (1kg)

$5.53 BGN 9.68

$3.96 Rp 71.8K

39.65%

Beef Round Steak (1kg)

$6.58 BGN 11.52

$12.19 Rp 220.9K

-46.02%

Apples (1kg)

$0.84 BGN 1.47

$3.66 Rp 66.2K

-77.05%

Banana (1kg)

$1.97 BGN 3.44

$1.52 Rp 27.5K

29.61%

Oranges (1kg)

$1.87 BGN 3.28

$2.23 Rp 40.4K

-16.14%

Tomato (1kg)

$2.20 BGN 3.85

$1.97 Rp 35.7K

11.68%

Potato (1kg)

$0.69 BGN 1.21

$1.85 Rp 33.5K

-62.70%

Onion (1kg)

$1.31 BGN 2.29

$2.42 Rp 43.9K

-45.87%

Lettuce (1 head)

$0.67 BGN 1.18

$0.99 Rp 17.9K

-32.32%

Water (1.5 liter bottle)

$0.75 BGN 1.31

$0.51 Rp 9,303

47.06%

Cigarettes 20 Pack (Marlboro, Camel)

$3.56 BGN 6.23

$2.22 Rp 40.3K

60.36%

Wine (Bottle)

$4.38 BGN 7.66

$22.24 Rp 403.0K

-80.31%

Local Beer (0.5 liter bottle)

$1.00 BGN 1.75

$2.26 Rp 41.0K

-55.75%

Imported Beer (0.33 liter bottle)

$1.41 BGN 2.47

$2.97 Rp 53.8K

-52.53%

One-way Ticket (Public Transport)

$0.55 BGN 0.96

$0.25 Rp 4,548

120.00%

Public Transport Monthly Pass (Regular Price)

$11.11 BGN 19.44

$7.82 Rp 141.8K

42.07%

Taxi Start (Normal Tariff)

$1.71 BGN 2.99

$0.44 Rp 7,964

288.64%

Taxi (Normal Tariff) (1km)

$0.71 BGN 1.23

$0.43 Rp 7,793

65.12%

Taxi 1hour Waiting (Normal Tariff)

$5.44 BGN 9.52

$5.41 Rp 98.0K

0.55%

Gasoline (1 liter)

$1.62 BGN 2.84

$0.82 Rp 14.9K

97.56%

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

$30.2K BGN 52.9K

$23.8K Rp 432.0M

26.87%

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

$24.0K BGN 42.1K

$31.7K Rp 575.3M

-24.26%

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

$61.4 BGN 107

$79.1 Rp 1.4M

-22.34%

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

$5.56 BGN 9.73

$6.45 Rp 116.8K

-13.80%

Internet (50+ Mbps, Unlimited Data)

$7.88 BGN 13.80

$18.58 Rp 336.7K

-57.59%

Gym Membership (Monthly)

$22.90 BGN 40.08

$49.48 Rp 896.7K

-53.72%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$8.76 BGN 15.33

$4.27 Rp 77.4K

105.15%

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

$230 BGN 402

$491 Rp 8.9M

-53.20%

International Primary School, 1 Child (Yearly)

$14.6K BGN 25.6K

$5,674 Rp 102.8M

158.10%

Jeans (Levis 501 Or Similar)

$22.89 BGN 40.05

$44.64 Rp 808.9K

-48.72%

Summer Dress (H&M, Zara, etc)

$12.69 BGN 22.21

$34.95 Rp 633.4K

-63.69%

Sport Shoes (Adidas, Nike)

$46.21 BGN 80.9

$79.9 Rp 1.4M

-42.17%

Men's Leather Business Shoes

$74.9 BGN 131

$79.4 Rp 1.4M

-5.68%

1-bedroom Apartment, City Center (Monthly)

$115 BGN 201

$1,125 Rp 20.4M

-89.78%

1-bedroom Apartment, Outside City Center (Monthly)

$114 BGN 199

$671 Rp 12.2M

-83.08%

3-bedroom Apartment, City Center (Monthly)

$232 BGN 406

$3,565 Rp 64.6M

-93.49%

3-bedroom Apartment, Outside City Center (Monthly)

$274 BGN 479

$1,723 Rp 31.2M

-84.13%

Buy Apartment in City Center (m2)

$1,141 BGN 1,997

$2,732 Rp 49.5M

-58.22%

Buy Apartment Outside City Center (m2)

$855 BGN 1,497

$2,284 Rp 41.4M

-62.56%

Average Monthly Net Salary (After Tax)

$1,287 BGN 2,251

$164 Rp 3.0M

685.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

13.78

-76.42%

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

Last update for Kardzhali: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Kardzhali

$187 28.7%

Ubud, Bali

$288 21.4% 54.3% $102

Eating Out

Kardzhali

$146 22.4%

Ubud, Bali

$108 8% 26.2% $38

Accommodation & Living

Kardzhali

$114 17.5%

Ubud, Bali

$672 49.8% 491% $558

Monthly Utilities & Internet

Kardzhali

$75 11.5%

Ubud, Bali

$104 7.7% 39.1% $29

Clothing & Footwear

Kardzhali

$71 10.8%

Ubud, Bali

$108 8% 52.5% $37

Sport & Entertainment

Kardzhali

$40 6.2%

Ubud, Bali

$58 4.3% 43.5% $18

Getting Around

Kardzhali

$19 2.9%

Ubud, Bali

$11 0.9% 38.4% $7.1

Cost Breakdown

A central one-bedroom costs $115 in Kardzhali versus $1,125 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 in Kardzhali are about 7.9 times higher, 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 $23 in Kardzhali versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $187 vs $288 – making Kardzhali the more affordable choice for daily food spending.

Good to know

🇧🇬 Kardzhali

🇮🇩 Ubud, Bali

🕒 Local time

21:15 9:15 PM

03:15 3:15 AM

6 h ahead of Kardzhali

🌤 Weather

👥 Population

49,421

74,800

💱 Currency

Bulgarian Lev BGN лв.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BGN = 0.571 USD

1 BGN = 0.512 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, 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).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to BGN in detail →

On the map

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Between locations

Kardzhali Ubud, Bali 10,630 km ≈ 14 h nonstop flight

From you

Kardzhali
Ubud, Bali

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

Kardzhali vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 107% more than Kardzhali, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $976 per month in Kardzhali and $2,023 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: a one-bedroom in the center costs $115 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $651 in Kardzhali and $1,349 in Ubud, Bali. That makes Kardzhali about 52% cheaper.

Public transport costs about 30% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $800 monthly budget goes further in Kardzhali, where all-in costs run around $651, than in Ubud, Bali at $1,349. In Kardzhali it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Kardzhali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.