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: $1,073 in Lovech versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $1,632 in Lovech versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,191 in Lovech versus $3,763 in Ubud, Bali.

Living in Lovech costs roughly 24% less than in Ubud, Bali, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Lovech is 20% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$11.93 BGN 19.85

$3.45 Rp 62.1K

245.80%

Three-Course Dinner for Two, Mid-Range

$35.95 BGN 59.8

$32.34 Rp 581.1K

11.16%

Fast Food Meal (McDonalds, etc)

$8.59 BGN 14.28

$4.84 Rp 87.1K

77.48%

Cappuccino

$0.90 BGN 1.49

$2.75 Rp 49.4K

-67.27%

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

$0.69 BGN 1.15

$1.38 Rp 24.9K

-50.00%

Water (0.33 liter bottle)

$0.48 BGN 0.80

$0.75 Rp 13.5K

-36.00%

Local Beer (0.5 liter draught)

$1.07 BGN 1.78

$2.99 Rp 53.8K

-64.21%

Imported Beer (0.33 liter bottle)

$2.08 BGN 3.46

$3.85 Rp 69.2K

-45.97%

Milk (1 liter)

$1.94 BGN 3.22

$1.74 Rp 31.2K

11.49%

White Bread (500g)

$1.20 BGN 2.00

$2.46 Rp 44.2K

-51.22%

Rice (white) (1kg)

$1.99 BGN 3.31

$1.17 Rp 21.0K

70.09%

Eggs

$3.87 BGN 6.45

$2.43 Rp 43.7K

59.26%

Local Cheese (1kg)

$12.67 BGN 21.07

$14.50 Rp 260.6K

-12.62%

Chicken Fillets (1kg)

$8.77 BGN 14.59

$4.35 Rp 78.2K

101.61%

Beef Round Steak (1kg)

$13.20 BGN 21.97

$11.98 Rp 215.3K

10.18%

Apples (1kg)

$1.82 BGN 3.04

$3.72 Rp 66.8K

-51.08%

Banana (1kg)

$1.91 BGN 3.18

$1.63 Rp 29.2K

17.18%

Oranges (1kg)

$1.93 BGN 3.21

$2.74 Rp 49.3K

-29.56%

Tomato (1kg)

$2.86 BGN 4.76

$2.24 Rp 40.3K

27.68%

Potato (1kg)

$1.10 BGN 1.84

$1.92 Rp 34.5K

-42.71%

Onion (1kg)

$1.06 BGN 1.76

$2.28 Rp 40.9K

-53.51%

Lettuce (1 head)

$1.18 BGN 1.96

$1.06 Rp 19.1K

11.32%

Water (1.5 liter bottle)

$0.72 BGN 1.19

$0.72 Rp 12.9K

Cigarettes 20 Pack (Marlboro, Camel)

$3.79 BGN 6.30

$3.29 Rp 59.0K

15.20%

Wine (Bottle)

$6.84 BGN 11.38

$23.19 Rp 416.8K

-70.50%

Local Beer (0.5 liter bottle)

$1.04 BGN 1.73

$2.78 Rp 49.9K

-62.59%

Imported Beer (0.33 liter bottle)

$1.83 BGN 3.04

$2.73 Rp 49.1K

-32.97%

One-way Ticket (Public Transport)

$0.86 BGN 1.42

$0.27 Rp 4,786

218.52%

Public Transport Monthly Pass (Regular Price)

$26.96 BGN 44.86

$8.11 Rp 145.7K

232.43%

Taxi Start (Normal Tariff)

$1.45 BGN 2.41

$0.48 Rp 8,675

202.08%

Taxi (Normal Tariff) (1km)

$0.70 BGN 1.17

$0.42 Rp 7,545

66.67%

Taxi 1hour Waiting (Normal Tariff)

$14.24 BGN 23.70

$6.22 Rp 111.8K

128.94%

Gasoline (1 liter)

$1.57 BGN 2.62

$0.81 Rp 14.6K

93.83%

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

$31.9K BGN 53.1K

$26.6K Rp 478.2M

20.02%

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

$29.4K BGN 48.9K

$32.2K Rp 578.5M

-8.70%

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

$152 BGN 254

$78.4 Rp 1.4M

94.59%

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

$18.19 BGN 30.27

$4.07 Rp 73.1K

346.93%

Internet (50+ Mbps, Unlimited Data)

$15.22 BGN 25.32

$24.33 Rp 437.1K

-37.44%

Gym Membership (Monthly)

$29.94 BGN 49.81

$98.6 Rp 1.8M

-69.64%

Tennis Court (1 Hour on Weekend)

$14.90 BGN 24.78

$6.34 Rp 113.9K

135.02%

Cinema Ticket

$9.31 BGN 15.48

$3.99 Rp 71.6K

133.33%

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

$636 BGN 1,058

$305 Rp 5.5M

108.45%

International Primary School, 1 Child (Yearly)

$5,384 BGN 8,958

$6,642 Rp 119.4M

-18.93%

Jeans (Levis 501 Or Similar)

$72.3 BGN 120

$54.1 Rp 972.9K

33.49%

Summer Dress (H&M, Zara, etc)

$36.77 BGN 61.2

$37.81 Rp 679.4K

-2.75%

Sport Shoes (Adidas, Nike)

$106 BGN 177

$86.8 Rp 1.6M

22.28%

Men's Leather Business Shoes

$116 BGN 193

$76.4 Rp 1.4M

52.09%

1-bedroom Apartment, City Center (Monthly)

$287 BGN 478

$992 Rp 17.8M

-71.05%

1-bedroom Apartment, Outside City Center (Monthly)

$232 BGN 385

$673 Rp 12.1M

-65.56%

3-bedroom Apartment, City Center (Monthly)

$470 BGN 782

$3,375 Rp 60.7M

-86.06%

3-bedroom Apartment, Outside City Center (Monthly)

$349 BGN 581

$2,050 Rp 36.8M

-82.96%

Buy Apartment in City Center (m2)

$1,364 BGN 2,269

$2,805 Rp 50.4M

-51.38%

Buy Apartment Outside City Center (m2)

$1,081 BGN 1,799

$2,227 Rp 40.0M

-51.44%

Average Monthly Net Salary (After Tax)

$631 BGN 1,049

$167 Rp 3.0M

277.78%

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: July 13, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $287 in Lovech and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lovech pays 278% 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 $32.00 in Ubud, Bali. Groceries flip the comparison at $260 vs $297, 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 31% in total monthly costs ($1,073 vs $1,408 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 278% 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: $287 in Lovech versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,073 per month in Lovech versus $1,408 in Ubud, Bali – a 31% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 232% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,073 in Lovech versus $1,408 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 31% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.