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

Monthly Cost of Living

Monthly costs for one person with rent: $871 in Pernik versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $1,092 in Pernik versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,313 in Pernik versus $3,275 in Ubud, Bali.

Living in Pernik costs roughly 37% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Pernik is 37% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$10.71 BGN 17.82

$3.33 Rp 58.8K

221.62%

Three-Course Dinner for Two, Mid-Range

$26.13 BGN 43.47

$35.82 Rp 631.6K

-27.05%

Fast Food Meal (McDonalds, etc)

$9.24 BGN 15.37

$5.63 Rp 99.3K

64.12%

Cappuccino

$1.62 BGN 2.69

$2.82 Rp 49.7K

-42.55%

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

$1.03 BGN 1.72

$1.75 Rp 30.8K

-41.14%

Water (0.33 liter bottle)

$0.58 BGN 0.96

$0.80 Rp 14.1K

-27.50%

Local Beer (0.5 liter draught)

$2.29 BGN 3.81

$3.04 Rp 53.7K

-24.67%

Imported Beer (0.33 liter bottle)

$2.10 BGN 3.49

$4.30 Rp 75.8K

-51.16%

Milk (1 liter)

$1.49 BGN 2.48

$1.61 Rp 28.4K

-7.45%

White Bread (500g)

$0.68 BGN 1.13

$2.27 Rp 40.0K

-70.04%

Rice (white) (1kg)

$1.57 BGN 2.61

$1.17 Rp 20.6K

34.19%

Eggs

$2.44 BGN 4.05

$2.17 Rp 38.2K

12.44%

Local Cheese (1kg)

$8.85 BGN 14.73

$17.63 Rp 310.9K

-49.80%

Chicken Fillets (1kg)

$6.89 BGN 11.47

$4.05 Rp 71.5K

70.12%

Beef Round Steak (1kg)

$9.00 BGN 14.98

$12.18 Rp 214.8K

-26.11%

Apples (1kg)

$1.20 BGN 2.00

$3.62 Rp 63.8K

-66.85%

Banana (1kg)

$1.71 BGN 2.85

$1.64 Rp 28.8K

4.27%

Oranges (1kg)

$1.53 BGN 2.55

$2.31 Rp 40.6K

-33.77%

Tomato (1kg)

$1.97 BGN 3.28

$1.96 Rp 34.5K

0.51%

Potato (1kg)

$0.90 BGN 1.50

$1.84 Rp 32.5K

-51.09%

Onion (1kg)

$0.76 BGN 1.26

$2.37 Rp 41.8K

-67.93%

Lettuce (1 head)

$0.61 BGN 1.01

$1.05 Rp 18.5K

-41.90%

Water (1.5 liter bottle)

$0.65 BGN 1.08

$0.54 Rp 9,573

20.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.51 BGN 5.83

$2.30 Rp 40.6K

52.61%

Wine (Bottle)

$5.28 BGN 8.79

$23.08 Rp 406.9K

-77.12%

Local Beer (0.5 liter bottle)

$0.76 BGN 1.26

$2.34 Rp 41.2K

-67.52%

Imported Beer (0.33 liter bottle)

$1.83 BGN 3.04

$3.07 Rp 54.1K

-40.39%

One-way Ticket (Public Transport)

$0.91 BGN 1.51

$0.25 Rp 4,371

264.00%

Public Transport Monthly Pass (Regular Price)

$11.72 BGN 19.51

$9.42 Rp 166.1K

24.42%

Taxi Start (Normal Tariff)

$1.34 BGN 2.23

$0.49 Rp 8,643

173.47%

Taxi (Normal Tariff) (1km)

$0.63 BGN 1.05

$0.47 Rp 8,361

34.04%

Taxi 1hour Waiting (Normal Tariff)

$11.66 BGN 19.40

$5.60 Rp 98.8K

108.21%

Gasoline (1 liter)

$1.60 BGN 2.66

$0.81 Rp 14.2K

97.53%

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

$31.8K BGN 52.8K

$25.0K Rp 441.0M

26.96%

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

$21.0K BGN 35.0K

$31.1K Rp 547.7M

-32.31%

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

$98.4 BGN 164

$82.7 Rp 1.5M

18.91%

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

$15.24 BGN 25.35

$6.49 Rp 114.4K

134.82%

Internet (50+ Mbps, Unlimited Data)

$12.78 BGN 21.25

$18.79 Rp 331.3K

-31.99%

Gym Membership (Monthly)

$35.67 BGN 59.3

$55.2 Rp 974.0K

-35.43%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 321.1K

Cinema Ticket

$5.86 BGN 9.76

$4.30 Rp 75.8K

36.28%

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

$239 BGN 397

$494 Rp 8.7M

-51.65%

International Primary School, 1 Child (Yearly)

$2,419 BGN 4,024

$5,917 Rp 104.3M

-59.12%

Jeans (Levis 501 Or Similar)

$31.22 BGN 51.9

$46.28 Rp 816.0K

-32.54%

Summer Dress (H&M, Zara, etc)

$19.79 BGN 32.92

$36.44 Rp 642.5K

-45.69%

Sport Shoes (Adidas, Nike)

$66.1 BGN 110

$80.7 Rp 1.4M

-18.07%

Men's Leather Business Shoes

$53.7 BGN 89.3

$78.8 Rp 1.4M

-31.87%

1-bedroom Apartment, City Center (Monthly)

$299 BGN 497

$1,114 Rp 19.6M

-73.17%

1-bedroom Apartment, Outside City Center (Monthly)

$263 BGN 438

$693 Rp 12.2M

-62.02%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.2M

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.2M

Buy Apartment in City Center (m2)

$1,240 BGN 2,063

$2,761 Rp 48.7M

-55.08%

Buy Apartment Outside City Center (m2)

$1,112 BGN 1,850

$2,293 Rp 40.4M

-51.48%

Average Monthly Net Salary (After Tax)

$1,629 BGN 2,710

$167 Rp 2.9M

875.10%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.99

13.78

-78.30%

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

Last update for Pernik: September 7, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $299 in Pernik and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Pernik pays 875% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $26.00 in Pernik vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $190 vs $294 per month, with Pernik 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

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

Pernik wins on cost – living expenses run 58% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Pernik the obvious pick if budget is a priority.

Average pay runs 875% higher in Pernik, 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: $299 in Pernik versus $1,114 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Pernik runs roughly 24% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $239 in Pernik versus $494 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $871 in Pernik versus $1,378 in Ubud, Bali, a $1,000 budget is realistic in Pernik but tight or insufficient in Ubud, Bali. The gap between the two cities makes Pernik the clear choice for anyone on this budget.

Both work as nomad bases, but Pernik delivers better value – similar infrastructure at $871 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pernik hard to pass up.

Safety-wise, Pernik 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 Pernik gentler on the wallet – expenses run 58% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.