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

Monthly Cost of Living

Monthly costs for one person with rent: $1,055 in Lovech versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $1,602 in Lovech versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,148 in Lovech versus $3,660 in Ubud, Bali.

Living in Lovech costs roughly 26% less than in Ubud, Bali, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Lovech is 21% below, Ubud, Bali is 6% above.

Meal at Budget Restaurant

$11.82 BGN 19.66

$3.56 Rp 64.3K

232.02%

Three-Course Dinner for Two, Mid-Range

$34.92 BGN 58.1

$32.73 Rp 590.3K

6.69%

Fast Food Meal (McDonalds, etc)

$8.95 BGN 14.90

$4.95 Rp 89.2K

80.81%

Cappuccino

$0.91 BGN 1.52

$2.71 Rp 48.9K

-66.42%

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

$0.74 BGN 1.23

$1.34 Rp 24.2K

-44.78%

Water (0.33 liter bottle)

$0.49 BGN 0.81

$0.70 Rp 12.6K

-30.00%

Local Beer (0.5 liter draught)

$1.04 BGN 1.72

$2.92 Rp 52.7K

-64.38%

Imported Beer (0.33 liter bottle)

$2.05 BGN 3.40

$3.96 Rp 71.4K

-48.23%

Milk (1 liter)

$1.92 BGN 3.20

$1.81 Rp 32.6K

6.08%

White Bread (500g)

$1.21 BGN 2.01

$2.52 Rp 45.4K

-51.98%

Rice (white) (1kg)

$2.00 BGN 3.33

$1.16 Rp 20.9K

72.41%

Eggs

$4.01 BGN 6.68

$2.46 Rp 44.4K

63.01%

Local Cheese (1kg)

$12.48 BGN 20.76

$14.71 Rp 265.3K

-15.16%

Chicken Fillets (1kg)

$8.35 BGN 13.89

$4.32 Rp 77.9K

93.29%

Beef Round Steak (1kg)

$13.03 BGN 21.67

$12.14 Rp 218.9K

7.33%

Apples (1kg)

$1.82 BGN 3.03

$3.84 Rp 69.3K

-52.60%

Banana (1kg)

$1.99 BGN 3.31

$1.56 Rp 28.1K

27.56%

Oranges (1kg)

$1.95 BGN 3.24

$2.83 Rp 51.1K

-31.10%

Tomato (1kg)

$2.81 BGN 4.68

$2.33 Rp 41.9K

20.60%

Potato (1kg)

$1.12 BGN 1.86

$1.91 Rp 34.5K

-41.36%

Onion (1kg)

$1.06 BGN 1.76

$2.20 Rp 39.7K

-51.82%

Lettuce (1 head)

$1.22 BGN 2.04

$1.01 Rp 18.3K

20.79%

Water (1.5 liter bottle)

$0.66 BGN 1.10

$0.78 Rp 14.0K

-15.38%

Cigarettes 20 Pack (Marlboro, Camel)

$3.72 BGN 6.18

$3.32 Rp 59.8K

12.05%

Wine (Bottle)

$6.67 BGN 11.10

$23.74 Rp 428.0K

-71.90%

Local Beer (0.5 liter bottle)

$1.04 BGN 1.74

$2.79 Rp 50.3K

-62.72%

Imported Beer (0.33 liter bottle)

$1.76 BGN 2.93

$2.86 Rp 51.6K

-38.46%

One-way Ticket (Public Transport)

$0.85 BGN 1.41

$0.27 Rp 4,848

214.81%

Public Transport Monthly Pass (Regular Price)

$26.45 BGN 44.01

$8.03 Rp 144.8K

229.39%

Taxi Start (Normal Tariff)

$1.49 BGN 2.48

$0.46 Rp 8,230

223.91%

Taxi (Normal Tariff) (1km)

$0.67 BGN 1.12

$0.45 Rp 8,116

48.89%

Taxi 1hour Waiting (Normal Tariff)

$14.01 BGN 23.30

$6.10 Rp 109.9K

129.67%

Gasoline (1 liter)

$1.50 BGN 2.49

$0.79 Rp 14.3K

89.87%

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

$32.3K BGN 53.7K

$26.1K Rp 471.6M

23.38%

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

$29.4K BGN 48.9K

$32.1K Rp 579.2M

-8.50%

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

$149 BGN 249

$79.9 Rp 1.4M

86.90%

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

$17.87 BGN 29.73

$4.06 Rp 73.3K

340.15%

Internet (50+ Mbps, Unlimited Data)

$15.35 BGN 25.54

$23.52 Rp 424.1K

-34.74%

Gym Membership (Monthly)

$29.87 BGN 49.69

$98.7 Rp 1.8M

-69.74%

Tennis Court (1 Hour on Weekend)

$14.92 BGN 24.82

$6.63 Rp 119.6K

125.04%

Cinema Ticket

$9.53 BGN 15.85

$4.15 Rp 74.8K

129.64%

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

$633 BGN 1,054

$304 Rp 5.5M

108.39%

International Primary School, 1 Child (Yearly)

$5,474 BGN 9,106

$6,613 Rp 119.3M

-17.23%

Jeans (Levis 501 Or Similar)

$69.9 BGN 116

$55.5 Rp 1.0M

25.78%

Summer Dress (H&M, Zara, etc)

$36.71 BGN 61.1

$38.31 Rp 690.9K

-4.18%

Sport Shoes (Adidas, Nike)

$107 BGN 178

$88.6 Rp 1.6M

20.78%

Men's Leather Business Shoes

$118 BGN 196

$77.9 Rp 1.4M

51.19%

1-bedroom Apartment, City Center (Monthly)

$287 BGN 478

$1,006 Rp 18.1M

-71.46%

1-bedroom Apartment, Outside City Center (Monthly)

$233 BGN 388

$675 Rp 12.2M

-65.48%

3-bedroom Apartment, City Center (Monthly)

$465 BGN 773

$3,442 Rp 62.1M

-86.49%

3-bedroom Apartment, Outside City Center (Monthly)

$347 BGN 578

$2,039 Rp 36.8M

-82.98%

Buy Apartment in City Center (m2)

$1,344 BGN 2,236

$2,841 Rp 51.2M

-52.68%

Buy Apartment Outside City Center (m2)

$1,096 BGN 1,823

$2,264 Rp 40.8M

-51.61%

Average Monthly Net Salary (After Tax)

$658 BGN 1,094

$165 Rp 3.0M

297.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.09

13.28

-76.73%

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

Last update for Lovech: June 1, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $287 in Lovech and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lovech pays 298% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Lovech vs $33.00 in Ubud, Bali. Groceries flip the comparison at $257 vs $302, with Lovech cheaper for home cooking.

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

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

Lovech and Ubud, Bali differ by about 35% in total monthly costs ($1,055 vs $1,419 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Lovech pays 298% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $287 in Lovech versus $1,006 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,055 per month in Lovech versus $1,419 in Ubud, Bali – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 229% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,055 in Lovech versus $1,419 in Ubud, Bali, a $2,000 budget is realistic in Lovech but tight or insufficient in Ubud, Bali. The gap between the two cities makes Lovech the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Lovech and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Lovech gentler on the wallet – expenses run 35% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.