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 $783 per month in Karlovo vs $1,397 in Ubud, Bali, rent included.

A couple spends around $1,241 per month in Karlovo vs $2,588 in Ubud, Bali, rent included.

A family of three spends $1,700 per month in Karlovo vs $3,778 in Ubud, Bali, rent included.

Karlovo is about 44% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Karlovo sits 41% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.18 BGN 11.95

$3.43 Rp 61.4K

109.33%

Three-Course Dinner for Two, Mid-Range

$34.93 BGN 58.1

$31.97 Rp 572.3K

9.26%

Fast Food Meal (McDonalds, etc)

$9.03 BGN 15.02

$5.05 Rp 90.4K

78.81%

Cappuccino

$1.50 BGN 2.50

$2.71 Rp 48.6K

-44.65%

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

$1.11 BGN 1.84

$1.39 Rp 24.9K

-20.14%

Water (0.33 liter bottle)

$0.66 BGN 1.10

$0.74 Rp 13.3K

-10.81%

Local Beer (0.5 liter draught)

$2.04 BGN 3.39

$2.89 Rp 51.8K

-29.41%

Imported Beer (0.33 liter bottle)

$1.74 BGN 2.90

$3.79 Rp 67.9K

-54.09%

Milk (1 liter)

$1.21 BGN 2.02

$1.79 Rp 32.1K

-32.40%

White Bread (500g)

$0.84 BGN 1.39

$2.51 Rp 44.9K

-66.53%

Rice (white) (1kg)

$1.93 BGN 3.21

$1.21 Rp 21.7K

59.50%

Eggs

$3.25 BGN 5.40

$2.37 Rp 42.4K

37.13%

Local Cheese (1kg)

$9.50 BGN 15.80

$14.43 Rp 258.4K

-34.16%

Chicken Fillets (1kg)

$8.16 BGN 13.58

$4.15 Rp 74.3K

96.63%

Beef Round Steak (1kg)

$5.93 BGN 9.87

$12.11 Rp 216.9K

-51.03%

Apples (1kg)

$1.33 BGN 2.21

$3.77 Rp 67.5K

-64.72%

Banana (1kg)

$2.11 BGN 3.51

$1.63 Rp 29.1K

29.45%

Oranges (1kg)

$2.07 BGN 3.45

$2.71 Rp 48.5K

-23.62%

Tomato (1kg)

$2.22 BGN 3.69

$2.26 Rp 40.4K

-1.77%

Potato (1kg)

$0.45 BGN 0.75

$1.93 Rp 34.5K

-76.68%

Onion (1kg)

$0.85 BGN 1.42

$2.19 Rp 39.3K

-61.19%

Lettuce (1 head)

$1.00 BGN 1.67

$1.02 Rp 18.2K

-1.96%

Water (1.5 liter bottle)

$0.75 BGN 1.25

$0.72 Rp 12.8K

4.17%

Cigarettes 20 Pack (Marlboro, Camel)

$3.38 BGN 5.63

$3.18 Rp 57.0K

6.29%

Wine (Bottle)

$7.12 BGN 11.84

$23.84 Rp 426.8K

-70.13%

Local Beer (0.5 liter bottle)

$0.96 BGN 1.60

$2.77 Rp 49.7K

-65.34%

Imported Beer (0.33 liter bottle)

$1.73 BGN 2.87

$2.75 Rp 49.3K

-37.09%

One-way Ticket (Public Transport)

$1.15 BGN 1.92

$0.27 Rp 4,785

325.93%

Public Transport Monthly Pass (Regular Price)

$26.51 BGN 44.10

$8.20 Rp 146.7K

223.29%

Taxi Start (Normal Tariff)

$1.21 BGN 2.01

$0.48 Rp 8,653

152.08%

Taxi (Normal Tariff) (1km)

$0.67 BGN 1.12

$0.42 Rp 7,544

59.52%

Taxi 1hour Waiting (Normal Tariff)

$13.34 BGN 22.19

$6.03 Rp 107.9K

121.23%

Gasoline (1 liter)

$1.43 BGN 2.38

$0.82 Rp 14.7K

74.39%

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

$32.2K BGN 53.6K

$26.6K Rp 475.6M

21.31%

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

$25.2K BGN 41.9K

$32.2K Rp 576.6M

-21.80%

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

$95.6 BGN 159

$78.3 Rp 1.4M

22.13%

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

$16.66 BGN 27.72

$3.91 Rp 70.0K

326.09%

Internet (50+ Mbps, Unlimited Data)

$12.94 BGN 21.52

$23.91 Rp 428.2K

-45.88%

Gym Membership (Monthly)

$29.35 BGN 48.82

$96.2 Rp 1.7M

-69.48%

Tennis Court (1 Hour on Weekend)

$14.58 BGN 24.26

$6.53 Rp 116.8K

123.28%

Cinema Ticket

$5.77 BGN 9.59

$4.01 Rp 71.8K

43.89%

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

$236 BGN 392

$303 Rp 5.4M

-22.17%

International Primary School, 1 Child (Yearly)

$4,132 BGN 6,873

$6,551 Rp 117.3M

-36.93%

Jeans (Levis 501 Or Similar)

$29.14 BGN 48.47

$55.3 Rp 990.3K

-47.32%

Summer Dress (H&M, Zara, etc)

$11.75 BGN 19.54

$38.32 Rp 686.1K

-69.34%

Sport Shoes (Adidas, Nike)

$59.7 BGN 99.3

$88.5 Rp 1.6M

-32.53%

Men's Leather Business Shoes

$47.33 BGN 78.7

$76.7 Rp 1.4M

-38.32%

1-bedroom Apartment, City Center (Monthly)

$284 BGN 473

$986 Rp 17.6M

-71.16%

1-bedroom Apartment, Outside City Center (Monthly)

$194 BGN 323

$682 Rp 12.2M

-71.53%

3-bedroom Apartment, City Center (Monthly)

$473 BGN 787

$3,420 Rp 61.2M

-86.16%

3-bedroom Apartment, Outside City Center (Monthly)

$352 BGN 585

$2,075 Rp 37.1M

-83.04%

Buy Apartment in City Center (m2)

$1,198 BGN 1,993

$2,762 Rp 49.5M

-56.63%

Buy Apartment Outside City Center (m2)

$975 BGN 1,622

$2,243 Rp 40.2M

-56.53%

Average Monthly Net Salary (After Tax)

$468 BGN 778

$169 Rp 3.0M

177.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.57

13.28

-65.59%

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

Last update for Karlovo: July 21, 2026

Last update for Ubud, Bali: July 22, 2026

Cost Breakdown

A central one-bedroom costs $284 in Karlovo 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 177% 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 $35.00 in Karlovo versus $32.00 in Ubud, Bali. Groceries tell a different story – $206 in Karlovo vs $298 in Ubud, Bali – so Karlovo wins on supermarket bills even if dining out costs more.

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 79%, 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 $1,174 per month in Karlovo and $2,096 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 223% less in Karlovo. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $236 per month in Karlovo and $303 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 $783, than in Ubud, Bali at $1,397. 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.