Last update: Oct 2026

Cost of Living Comparison Between Pernik and Ubud, Bali

For one person, living is cheaper in Pernik: $844 a month against $1,353 in Ubud, Bali, rent and utilities included – about $6,100 less a year. Rent and utilities account for most of the difference.

41

Cost of Living Index in Pernik
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Pernik Living Index
66

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

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Pernik

🇧🇬 Bulgaria

$844

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

How much you'll spend in Pernik 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 Pernik and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $844 in Pernik versus $1,353 in Ubud, Bali.

Pernik $844
Ubud, Bali $1,353

Estimated couple costs with rent: $1,065 in Pernik versus $2,297 in Ubud, Bali.

Pernik $1,065
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $1,286 in Pernik versus $3,241 in Ubud, Bali.

Pernik $1,286
Ubud, Bali $3,241

Living in Pernik costs roughly 38% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Pernik is 38% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$10.15 BGN 17.65

$3.23 Rp 58.1K

214.24%

Three-Course Dinner for Two, Mid-Range

$25.59 BGN 44.53

$34.88 Rp 627.8K

-26.63%

Fast Food Meal (McDonalds, etc)

$8.74 BGN 15.20

$5.70 Rp 102.5K

53.33%

Cappuccino

$1.55 BGN 2.69

$2.62 Rp 47.1K

-40.84%

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

$0.99 BGN 1.72

$1.72 Rp 31.0K

-42.44%

Water (0.33 liter bottle)

$0.52 BGN 0.91

$0.81 Rp 14.6K

-35.80%

Local Beer (0.5 liter draught)

$2.20 BGN 3.82

$2.65 Rp 47.7K

-16.98%

Imported Beer (0.33 liter bottle)

$1.95 BGN 3.40

$4.37 Rp 78.6K

-55.38%

Milk (1 liter)

$1.43 BGN 2.48

$1.57 Rp 28.3K

-8.92%

White Bread (500g)

$0.65 BGN 1.13

$2.19 Rp 39.5K

-70.32%

Rice (white) (1kg)

$1.44 BGN 2.50

$1.18 Rp 21.2K

22.03%

Eggs

$2.37 BGN 4.12

$2.16 Rp 38.8K

9.72%

Local Cheese (1kg)

$8.40 BGN 14.61

$17.65 Rp 317.7K

-52.41%

Chicken Fillets (1kg)

$6.64 BGN 11.55

$3.78 Rp 68.0K

75.66%

Beef Round Steak (1kg)

$8.29 BGN 14.43

$11.95 Rp 215.1K

-30.63%

Apples (1kg)

$1.15 BGN 2.00

$3.60 Rp 64.8K

-68.06%

Banana (1kg)

$1.64 BGN 2.85

$1.59 Rp 28.6K

3.14%

Oranges (1kg)

$1.44 BGN 2.51

$2.31 Rp 41.6K

-37.66%

Tomato (1kg)

$1.98 BGN 3.44

$1.91 Rp 34.3K

3.66%

Potato (1kg)

$0.83 BGN 1.44

$1.78 Rp 32.1K

-53.37%

Onion (1kg)

$0.72 BGN 1.25

$2.33 Rp 41.9K

-69.10%

Lettuce (1 head)

$0.58 BGN 1.01

$1.00 Rp 18.0K

-42.00%

Water (1.5 liter bottle)

$0.63 BGN 1.10

$0.53 Rp 9,509

18.87%

Cigarettes 20 Pack (Marlboro, Camel)

$3.37 BGN 5.86

$2.29 Rp 41.1K

47.16%

Wine (Bottle)

$5.21 BGN 9.06

$22.07 Rp 397.3K

-76.39%

Local Beer (0.5 liter bottle)

$0.74 BGN 1.28

$2.35 Rp 42.2K

-68.51%

Imported Beer (0.33 liter bottle)

$1.69 BGN 2.95

$2.98 Rp 53.6K

-43.29%

One-way Ticket (Public Transport)

$0.83 BGN 1.44

$0.23 Rp 4,112

260.87%

Public Transport Monthly Pass (Regular Price)

$11.50 BGN 20.00

$8.90 Rp 160.2K

29.21%

Taxi Start (Normal Tariff)

$1.34 BGN 2.34

$0.47 Rp 8,466

185.11%

Taxi (Normal Tariff) (1km)

$0.61 BGN 1.07

$0.43 Rp 7,737

41.86%

Taxi 1hour Waiting (Normal Tariff)

$11.27 BGN 19.61

$5.47 Rp 98.4K

106.03%

Gasoline (1 liter)

$1.57 BGN 2.73

$0.83 Rp 14.9K

89.16%

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

$30.7K BGN 53.3K

$23.9K Rp 429.8M

28.38%

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

$23.7K BGN 41.3K

$32.8K Rp 590.1M

-27.68%

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

$92.4 BGN 161

$80.0 Rp 1.4M

15.51%

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

$14.91 BGN 25.95

$6.56 Rp 118.1K

127.29%

Internet (50+ Mbps, Unlimited Data)

$12.35 BGN 21.48

$18.60 Rp 334.8K

-33.60%

Gym Membership (Monthly)

$34.02 BGN 59.2

$54.1 Rp 974.1K

-37.14%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$5.62 BGN 9.78

$4.25 Rp 76.5K

32.24%

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

$232 BGN 404

$493 Rp 8.9M

-52.86%

International Primary School, 1 Child (Yearly)

$2,315 BGN 4,027

$5,597 Rp 100.7M

-58.65%

Jeans (Levis 501 Or Similar)

$30.71 BGN 53.4

$45.58 Rp 820.4K

-32.62%

Summer Dress (H&M, Zara, etc)

$19.41 BGN 33.78

$34.96 Rp 629.4K

-44.48%

Sport Shoes (Adidas, Nike)

$64.9 BGN 113

$77.7 Rp 1.4M

-16.48%

Men's Leather Business Shoes

$51.4 BGN 89.4

$78.5 Rp 1.4M

-34.60%

1-bedroom Apartment, City Center (Monthly)

$293 BGN 509

$1,131 Rp 20.4M

-74.14%

1-bedroom Apartment, Outside City Center (Monthly)

$256 BGN 445

$673 Rp 12.1M

-61.96%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$1,152 BGN 2,004

$2,717 Rp 48.9M

-57.62%

Buy Apartment Outside City Center (m2)

$1,049 BGN 1,825

$2,241 Rp 40.3M

-53.19%

Average Monthly Net Salary (After Tax)

$1,564 BGN 2,721

$166 Rp 3.0M

840.10%

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: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Pernik

$256 30.3%

Ubud, Bali

$673 49.7% 163% $417

Groceries & Markets

Pernik

$182 21.6%

Ubud, Bali

$287 21.2% 57.9% $105

Eating Out

Pernik

$147 17.4%

Ubud, Bali

$106 7.9% 27.5% $40

Monthly Utilities & Internet

Pernik

$120 14.2%

Ubud, Bali

$105 7.8% 12.1% $15

Clothing & Footwear

Pernik

$75 8.9%

Ubud, Bali

$107 7.9% 42.3% $32

Sport & Entertainment

Pernik

$45 5.4%

Ubud, Bali

$63 4.6% 38.3% $17

Getting Around

Pernik

$19 2.3%

Ubud, Bali

$12 0.9% 35.3% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $293 in Pernik and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Pernik pays 840% 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 $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $182 vs $287 per month, with Pernik cheaper across the board.

Good to know

🇧🇬 Pernik

🇮🇩 Ubud, Bali

🕒 Local time

09:26 9:26 AM

15:26 3:26 PM

6 h ahead of Pernik

🌤 Weather

👥 Population

78,342

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 25, 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 25, 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

Pernik Ubud, Bali 10,830 km ≈ 14 h nonstop flight

From you

Pernik
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

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

Pernik wins on cost – living expenses run 60% 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 840% 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: $293 in Pernik versus $1,131 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 29% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $232 in Pernik versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $844 in Pernik versus $1,353 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 $844 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 60% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.