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: $983 in Lovech versus $1,396 in Ubud, Bali.

Estimated couple costs with rent: $1,523 in Lovech versus $2,334 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,063 in Lovech versus $3,273 in Ubud, Bali.

Living in Lovech costs roughly 30% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: Lovech is 28% below, Ubud, Bali is 2% above.

Meal at Budget Restaurant

$14.55 BGN 24.21

$3.37 Rp 59.5K

331.75%

Three-Course Dinner for Two, Mid-Range

$35.54 BGN 59.1

$38.59 Rp 680.3K

-7.90%

Fast Food Meal (McDonalds, etc)

$8.69 BGN 14.46

$5.52 Rp 97.3K

57.43%

Cappuccino

$0.90 BGN 1.50

$2.64 Rp 46.6K

-65.91%

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

$0.72 BGN 1.21

$1.67 Rp 29.5K

-56.89%

Water (0.33 liter bottle)

$0.46 BGN 0.76

$0.77 Rp 13.6K

-40.26%

Local Beer (0.5 liter draught)

$1.08 BGN 1.80

$2.63 Rp 46.4K

-58.94%

Imported Beer (0.33 liter bottle)

$2.06 BGN 3.42

$4.28 Rp 75.5K

-51.87%

Milk (1 liter)

$1.75 BGN 2.91

$1.55 Rp 27.3K

12.90%

White Bread (500g)

$1.01 BGN 1.68

$2.22 Rp 39.2K

-54.50%

Rice (white) (1kg)

$2.11 BGN 3.51

$1.13 Rp 19.8K

86.73%

Eggs

$3.56 BGN 5.92

$2.09 Rp 36.8K

70.33%

Local Cheese (1kg)

$9.19 BGN 15.28

$17.39 Rp 306.6K

-47.15%

Chicken Fillets (1kg)

$8.16 BGN 13.57

$3.87 Rp 68.2K

110.85%

Beef Round Steak (1kg)

$11.31 BGN 18.82

$12.55 Rp 221.2K

-9.88%

Apples (1kg)

$2.25 BGN 3.74

$3.62 Rp 63.8K

-37.85%

Banana (1kg)

$2.01 BGN 3.35

$1.56 Rp 27.5K

28.85%

Oranges (1kg)

$2.04 BGN 3.39

$2.35 Rp 41.5K

-13.19%

Tomato (1kg)

$2.69 BGN 4.47

$2.06 Rp 36.2K

30.58%

Potato (1kg)

$1.35 BGN 2.25

$1.90 Rp 33.5K

-28.95%

Onion (1kg)

$1.45 BGN 2.41

$2.34 Rp 41.2K

-38.03%

Lettuce (1 head)

$1.02 BGN 1.70

$1.03 Rp 18.2K

-0.97%

Water (1.5 liter bottle)

$0.78 BGN 1.30

$0.55 Rp 9,779

41.82%

Cigarettes 20 Pack (Marlboro, Camel)

$3.74 BGN 6.22

$2.25 Rp 39.7K

66.22%

Wine (Bottle)

$6.98 BGN 11.61

$23.81 Rp 419.7K

-70.68%

Local Beer (0.5 liter bottle)

$1.00 BGN 1.67

$2.31 Rp 40.8K

-56.71%

Imported Beer (0.33 liter bottle)

$1.86 BGN 3.09

$2.80 Rp 49.4K

-33.57%

One-way Ticket (Public Transport)

$0.98 BGN 1.62

$0.27 Rp 4,802

262.96%

Public Transport Monthly Pass (Regular Price)

$23.28 BGN 38.72

$8.66 Rp 152.7K

168.82%

Taxi Start (Normal Tariff)

$1.82 BGN 3.02

$0.48 Rp 8,489

279.17%

Taxi (Normal Tariff) (1km)

$0.80 BGN 1.32

$0.45 Rp 7,863

77.78%

Taxi 1hour Waiting (Normal Tariff)

$12.41 BGN 20.64

$5.72 Rp 100.8K

116.96%

Gasoline (1 liter)

$1.65 BGN 2.75

$0.76 Rp 13.4K

117.11%

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

$31.6K BGN 52.6K

$24.5K Rp 431.6M

29.17%

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

$23.3K BGN 38.7K

$32.1K Rp 566.3M

-27.50%

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

$108 BGN 180

$83.6 Rp 1.5M

29.46%

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

$15.20 BGN 25.29

$6.46 Rp 113.8K

135.29%

Internet (50+ Mbps, Unlimited Data)

$12.32 BGN 20.49

$18.99 Rp 334.8K

-35.12%

Gym Membership (Monthly)

$30.72 BGN 51.1

$56.0 Rp 986.8K

-45.11%

Tennis Court (1 Hour on Weekend)

$15.81 BGN 26.30

$18.62 Rp 328.2K

-15.09%

Cinema Ticket

$8.78 BGN 14.61

$4.28 Rp 75.5K

105.14%

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

$234 BGN 390

$487 Rp 8.6M

-51.83%

International Primary School, 1 Child (Yearly)

$6,060 BGN 10.1K

$5,856 Rp 103.2M

3.50%

Jeans (Levis 501 Or Similar)

$59.1 BGN 98.4

$45.56 Rp 803.2K

29.78%

Summer Dress (H&M, Zara, etc)

$30.36 BGN 50.5

$36.38 Rp 641.4K

-16.55%

Sport Shoes (Adidas, Nike)

$74.7 BGN 124

$82.0 Rp 1.4M

-8.81%

Men's Leather Business Shoes

$77.3 BGN 129

$80.4 Rp 1.4M

-3.84%

1-bedroom Apartment, City Center (Monthly)

$340 BGN 565

$1,117 Rp 19.7M

-69.59%

1-bedroom Apartment, Outside City Center (Monthly)

$262 BGN 436

$701 Rp 12.4M

-62.61%

3-bedroom Apartment, City Center (Monthly)

$570 BGN 949

$3,537 Rp 62.4M

-83.88%

3-bedroom Apartment, Outside City Center (Monthly)

$415 BGN 691

$1,762 Rp 31.1M

-76.43%

Buy Apartment in City Center (m2)

$1,359 BGN 2,261

$2,826 Rp 49.8M

-51.92%

Buy Apartment Outside City Center (m2)

$1,119 BGN 1,862

$2,292 Rp 40.4M

-51.15%

Average Monthly Net Salary (After Tax)

$664 BGN 1,105

$170 Rp 3.0M

291.38%

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 Lovech: August 29, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $340 in Lovech and $1,117 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lovech pays 291% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Lovech vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $241 vs $293 per month, with Lovech cheaper across the board.

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 42% in total monthly costs ($983 vs $1,396 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 291% higher in Lovech, 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: $340 in Lovech versus $1,117 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $983 per month in Lovech versus $1,396 in Ubud, Bali – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 169% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $983 in Lovech versus $1,396 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 42% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.