Last update: Oct 2026

Cost of Living Comparison Between Lovech and Ubud, Bali

For one person, living is cheaper in Lovech: $968 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

47

Cost of Living Index in Lovech
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Lovech Living Index
66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Lovech

🇧🇬 Bulgaria

$968

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

How much you'll spend in Lovech and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Lovech and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $968 in Lovech versus $1,353 in Ubud, Bali.

Lovech $968
Ubud, Bali $1,353

Estimated couple costs with rent: $1,505 in Lovech versus $2,297 in Ubud, Bali.

Lovech $1,505
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,041 in Lovech versus $3,241 in Ubud, Bali.

Lovech $2,041
Ubud, Bali $3,241

Living in Lovech costs roughly 28% less than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Lovech is 29% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$13.78 BGN 23.97

$3.23 Rp 58.1K

326.63%

Three-Course Dinner for Two, Mid-Range

$34.37 BGN 59.8

$34.88 Rp 627.8K

-1.46%

Fast Food Meal (McDonalds, etc)

$8.75 BGN 15.23

$5.70 Rp 102.5K

53.51%

Cappuccino

$0.83 BGN 1.44

$2.62 Rp 47.1K

-68.32%

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

$0.69 BGN 1.20

$1.72 Rp 31.0K

-59.88%

Water (0.33 liter bottle)

$0.48 BGN 0.83

$0.81 Rp 14.6K

-40.74%

Local Beer (0.5 liter draught)

$1.01 BGN 1.76

$2.65 Rp 47.7K

-61.89%

Imported Beer (0.33 liter bottle)

$1.98 BGN 3.44

$4.37 Rp 78.6K

-54.69%

Milk (1 liter)

$1.69 BGN 2.95

$1.57 Rp 28.3K

7.64%

White Bread (500g)

$0.94 BGN 1.63

$2.19 Rp 39.5K

-57.08%

Rice (white) (1kg)

$2.07 BGN 3.61

$1.18 Rp 21.2K

75.42%

Eggs

$3.35 BGN 5.83

$2.16 Rp 38.8K

55.09%

Local Cheese (1kg)

$10.24 BGN 17.82

$17.65 Rp 317.7K

-41.98%

Chicken Fillets (1kg)

$9.00 BGN 15.66

$3.78 Rp 68.0K

138.10%

Beef Round Steak (1kg)

$11.35 BGN 19.74

$11.95 Rp 215.1K

-5.02%

Apples (1kg)

$2.29 BGN 3.99

$3.60 Rp 64.8K

-36.39%

Banana (1kg)

$2.06 BGN 3.58

$1.59 Rp 28.6K

29.56%

Oranges (1kg)

$2.13 BGN 3.71

$2.31 Rp 41.6K

-7.79%

Tomato (1kg)

$2.58 BGN 4.49

$1.91 Rp 34.3K

35.08%

Potato (1kg)

$1.66 BGN 2.88

$1.78 Rp 32.1K

-6.74%

Onion (1kg)

$1.49 BGN 2.59

$2.33 Rp 41.9K

-36.05%

Lettuce (1 head)

$0.99 BGN 1.73

$1.00 Rp 18.0K

-1.00%

Water (1.5 liter bottle)

$0.92 BGN 1.61

$0.53 Rp 9,509

73.58%

Cigarettes 20 Pack (Marlboro, Camel)

$3.48 BGN 6.05

$2.29 Rp 41.1K

51.97%

Wine (Bottle)

$6.93 BGN 12.06

$22.07 Rp 397.3K

-68.60%

Local Beer (0.5 liter bottle)

$1.03 BGN 1.79

$2.35 Rp 42.2K

-56.17%

Imported Beer (0.33 liter bottle)

$1.82 BGN 3.16

$2.98 Rp 53.6K

-38.93%

One-way Ticket (Public Transport)

$0.82 BGN 1.43

$0.23 Rp 4,112

256.52%

Public Transport Monthly Pass (Regular Price)

$24.56 BGN 42.73

$8.90 Rp 160.2K

175.96%

Taxi Start (Normal Tariff)

$1.68 BGN 2.93

$0.47 Rp 8,466

257.45%

Taxi (Normal Tariff) (1km)

$0.72 BGN 1.26

$0.43 Rp 7,737

67.44%

Taxi 1hour Waiting (Normal Tariff)

$11.84 BGN 20.60

$5.47 Rp 98.4K

116.45%

Gasoline (1 liter)

$1.67 BGN 2.90

$0.83 Rp 14.9K

101.20%

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

$30.5K BGN 53.1K

$23.9K Rp 429.8M

27.77%

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

$22.7K BGN 39.5K

$32.8K Rp 590.1M

-30.76%

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

$101 BGN 176

$80.0 Rp 1.4M

26.18%

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

$13.94 BGN 24.25

$6.56 Rp 118.1K

112.50%

Internet (50+ Mbps, Unlimited Data)

$12.02 BGN 20.92

$18.60 Rp 334.8K

-35.38%

Gym Membership (Monthly)

$29.79 BGN 51.8

$54.1 Rp 974.1K

-44.96%

Tennis Court (1 Hour on Weekend)

$17.28 BGN 30.06

$18.28 Rp 329.0K

-5.47%

Cinema Ticket

$8.70 BGN 15.14

$4.25 Rp 76.5K

104.71%

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

$227 BGN 394

$493 Rp 8.9M

-54.02%

International Primary School, 1 Child (Yearly)

$5,829 BGN 10.1K

$5,597 Rp 100.7M

4.15%

Jeans (Levis 501 Or Similar)

$57.0 BGN 99.2

$45.58 Rp 820.4K

25.10%

Summer Dress (H&M, Zara, etc)

$29.41 BGN 51.2

$34.96 Rp 629.4K

-15.88%

Sport Shoes (Adidas, Nike)

$70.2 BGN 122

$77.7 Rp 1.4M

-9.73%

Men's Leather Business Shoes

$72.9 BGN 127

$78.5 Rp 1.4M

-7.20%

1-bedroom Apartment, City Center (Monthly)

$326 BGN 568

$1,131 Rp 20.4M

-71.15%

1-bedroom Apartment, Outside City Center (Monthly)

$249 BGN 433

$673 Rp 12.1M

-63.04%

3-bedroom Apartment, City Center (Monthly)

$545 BGN 948

$3,613 Rp 65.0M

-84.92%

3-bedroom Apartment, Outside City Center (Monthly)

$398 BGN 693

$1,702 Rp 30.6M

-76.60%

Buy Apartment in City Center (m2)

$1,307 BGN 2,275

$2,717 Rp 48.9M

-51.89%

Buy Apartment Outside City Center (m2)

$1,060 BGN 1,845

$2,241 Rp 40.3M

-52.69%

Average Monthly Net Salary (After Tax)

$618 BGN 1,075

$166 Rp 3.0M

271.25%

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: October 17, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Lovech

$249 25.7%

Ubud, Bali

$287 21.2% 15.5% $39

Accommodation & Living

Lovech

$249 25.7%

Ubud, Bali

$673 49.7% 171% $424

Eating Out

Lovech

$160 16.5%

Ubud, Bali

$106 7.9% 33.5% $54

Monthly Utilities & Internet

Lovech

$127 13.1%

Ubud, Bali

$105 7.8% 17.1% $22

Clothing & Footwear

Lovech

$103 10.7%

Ubud, Bali

$107 7.9% 3.2% $3.3

Sport & Entertainment

Lovech

$47 4.9%

Ubud, Bali

$63 4.6% 32.7% $15

Getting Around

Lovech

$33 3.4%

Ubud, Bali

$12 0.9% 62.5% $21

Cost Breakdown

A one-bedroom apartment in the center runs $326 in Lovech and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lovech pays 271% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $34.00 in Lovech vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $249 vs $287 per month, with Lovech cheaper across the board.

Good to know

🇧🇬 Lovech

🇮🇩 Ubud, Bali

🕒 Local time

13:51 1:51 PM

18:51 6:51 PM

5 h ahead of Lovech

🌤 Weather

👥 Population

37,297

74,800

💱 Currency

Bulgarian Lev BGN лв.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to BGN – Bulgarian Lev Converter

🇺🇸 United States Dollar ($)

🇧🇬 Bulgarian Lev (лв.)

Bulgarian Lev exchange rates as of October 20, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to BGN in detail →

On the map

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Highest

Between locations

Lovech Ubud, Bali 10,700 km ≈ 14 h nonstop flight

From you

Lovech
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

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 40% in total monthly costs ($968 vs $1,353 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 271% 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: $326 in Lovech versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $968 per month in Lovech versus $1,353 in Ubud, Bali – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 176% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $968 in Lovech versus $1,353 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 40% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.