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

Monthly Cost of Living

A single person spends $789 per month in Karlovo vs $1,374 in Ubud, Bali, rent included.

A couple spends around $1,273 per month in Karlovo vs $2,313 in Ubud, Bali, rent included.

A family of three spends $1,757 per month in Karlovo vs $3,252 in Ubud, Bali, rent included.

Karlovo is about 43% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Karlovo sits 42% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.11 BGN 12.22

$3.32 Rp 59.7K

114.16%

Three-Course Dinner for Two, Mid-Range

$34.22 BGN 58.9

$35.33 Rp 634.5K

-3.14%

Fast Food Meal (McDonalds, etc)

$8.56 BGN 14.73

$5.33 Rp 95.8K

60.60%

Cappuccino

$1.48 BGN 2.55

$2.75 Rp 49.5K

-46.18%

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

$1.05 BGN 1.80

$1.73 Rp 31.0K

-39.31%

Water (0.33 liter bottle)

$0.75 BGN 1.29

$0.80 Rp 14.3K

-6.25%

Local Beer (0.5 liter draught)

$2.07 BGN 3.56

$2.95 Rp 52.9K

-29.83%

Imported Beer (0.33 liter bottle)

$1.72 BGN 2.96

$4.44 Rp 79.7K

-61.26%

Milk (1 liter)

$1.13 BGN 1.94

$1.50 Rp 26.9K

-24.67%

White Bread (500g)

$0.84 BGN 1.44

$2.30 Rp 41.3K

-63.48%

Rice (white) (1kg)

$1.80 BGN 3.10

$1.10 Rp 19.7K

63.64%

Eggs

$3.28 BGN 5.65

$2.16 Rp 38.8K

51.85%

Local Cheese (1kg)

$9.24 BGN 15.89

$17.09 Rp 306.9K

-45.93%

Chicken Fillets (1kg)

$7.98 BGN 13.72

$3.88 Rp 69.6K

105.67%

Beef Round Steak (1kg)

$5.91 BGN 10.17

$11.92 Rp 214.0K

-50.42%

Apples (1kg)

$1.31 BGN 2.25

$3.57 Rp 64.0K

-63.31%

Banana (1kg)

$2.03 BGN 3.49

$1.58 Rp 28.4K

28.48%

Oranges (1kg)

$2.02 BGN 3.48

$2.36 Rp 42.4K

-14.41%

Tomato (1kg)

$2.24 BGN 3.85

$1.97 Rp 35.3K

13.71%

Potato (1kg)

$0.45 BGN 0.77

$1.81 Rp 32.5K

-75.14%

Onion (1kg)

$0.91 BGN 1.56

$2.39 Rp 42.9K

-61.92%

Lettuce (1 head)

$0.99 BGN 1.71

$1.02 Rp 18.3K

-2.94%

Water (1.5 liter bottle)

$0.79 BGN 1.36

$0.49 Rp 8,825

61.22%

Cigarettes 20 Pack (Marlboro, Camel)

$3.33 BGN 5.72

$2.25 Rp 40.3K

48.00%

Wine (Bottle)

$7.16 BGN 12.31

$22.30 Rp 400.5K

-67.89%

Local Beer (0.5 liter bottle)

$1.03 BGN 1.77

$2.37 Rp 42.5K

-56.54%

Imported Beer (0.33 liter bottle)

$1.88 BGN 3.23

$2.90 Rp 52.0K

-35.17%

One-way Ticket (Public Transport)

$1.13 BGN 1.94

$0.25 Rp 4,474

352.00%

Public Transport Monthly Pass (Regular Price)

$24.13 BGN 41.50

$8.55 Rp 153.6K

182.22%

Taxi Start (Normal Tariff)

$1.19 BGN 2.04

$0.44 Rp 7,936

170.45%

Taxi (Normal Tariff) (1km)

$0.77 BGN 1.33

$0.42 Rp 7,584

83.33%

Taxi 1hour Waiting (Normal Tariff)

$12.24 BGN 21.05

$5.66 Rp 101.7K

116.25%

Gasoline (1 liter)

$1.49 BGN 2.56

$0.81 Rp 14.6K

83.95%

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

$30.8K BGN 53.0K

$23.7K Rp 426.3M

29.86%

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

$22.5K BGN 38.7K

$31.0K Rp 556.3M

-27.43%

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

$109 BGN 188

$82.3 Rp 1.5M

32.85%

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

$14.51 BGN 24.96

$6.30 Rp 113.1K

130.32%

Internet (50+ Mbps, Unlimited Data)

$11.92 BGN 20.50

$18.63 Rp 334.7K

-36.02%

Gym Membership (Monthly)

$30.64 BGN 52.7

$54.7 Rp 982.9K

-44.02%

Tennis Court (1 Hour on Weekend)

$16.09 BGN 27.68

$18.45 Rp 331.3K

-12.79%

Cinema Ticket

$5.97 BGN 10.27

$4.24 Rp 76.1K

40.80%

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

$235 BGN 404

$484 Rp 8.7M

-51.48%

International Primary School, 1 Child (Yearly)

$6,008 BGN 10.3K

$5,590 Rp 100.4M

7.47%

Jeans (Levis 501 Or Similar)

$28.77 BGN 49.48

$45.77 Rp 822.0K

-37.14%

Summer Dress (H&M, Zara, etc)

$11.60 BGN 19.95

$35.69 Rp 641.0K

-67.50%

Sport Shoes (Adidas, Nike)

$57.6 BGN 99.0

$78.3 Rp 1.4M

-26.47%

Men's Leather Business Shoes

$46.39 BGN 79.8

$80.1 Rp 1.4M

-42.11%

1-bedroom Apartment, City Center (Monthly)

$344 BGN 592

$1,147 Rp 20.6M

-69.99%

1-bedroom Apartment, Outside City Center (Monthly)

$190 BGN 327

$678 Rp 12.2M

-71.98%

3-bedroom Apartment, City Center (Monthly)

$563 BGN 968

$3,504 Rp 62.9M

-83.94%

3-bedroom Apartment, Outside City Center (Monthly)

$415 BGN 714

$1,688 Rp 30.3M

-75.42%

Buy Apartment in City Center (m2)

$1,364 BGN 2,346

$2,788 Rp 50.1M

-51.09%

Buy Apartment Outside City Center (m2)

$1,192 BGN 2,050

$2,257 Rp 40.5M

-47.18%

Average Monthly Net Salary (After Tax)

$467 BGN 803

$165 Rp 3.0M

182.79%

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 Karlovo: September 27, 2026

Last update for Ubud, Bali: September 28, 2026

Cost Breakdown

A central one-bedroom costs $344 in Karlovo versus $1,147 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 183% higher in Karlovo, 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 $34.00 in Karlovo versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $203 vs $286 – making Karlovo 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

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

Yes – Ubud, Bali is pricier by about 74%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,184 per month in Karlovo and $2,062 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 182% less in Karlovo. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $235 per month in Karlovo and $484 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Karlovo, where all-in costs run around $789, than in Ubud, Bali at $1,374. In Karlovo it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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

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 Karlovo. 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.