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: $890 in Pernik versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $1,303 in Pernik versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,716 in Pernik versus $3,763 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 33% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$9.08 BGN 15.10

$3.45 Rp 62.1K

163.19%

Three-Course Dinner for Two, Mid-Range

$25.16 BGN 41.86

$32.34 Rp 581.1K

-22.20%

Fast Food Meal (McDonalds, etc)

$9.36 BGN 15.57

$4.84 Rp 87.1K

93.39%

Cappuccino

$1.62 BGN 2.70

$2.75 Rp 49.4K

-41.09%

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

$0.97 BGN 1.62

$1.38 Rp 24.9K

-29.71%

Water (0.33 liter bottle)

$0.56 BGN 0.94

$0.75 Rp 13.5K

-25.33%

Local Beer (0.5 liter draught)

$1.15 BGN 1.91

$2.99 Rp 53.8K

-61.54%

Imported Beer (0.33 liter bottle)

$2.02 BGN 3.36

$3.85 Rp 69.2K

-47.53%

Milk (1 liter)

$1.47 BGN 2.44

$1.74 Rp 31.2K

-15.52%

White Bread (500g)

$0.70 BGN 1.17

$2.46 Rp 44.2K

-71.54%

Rice (white) (1kg)

$1.48 BGN 2.46

$1.17 Rp 21.0K

26.50%

Eggs

$2.19 BGN 3.65

$2.43 Rp 43.7K

-9.88%

Local Cheese (1kg)

$8.58 BGN 14.28

$14.50 Rp 260.6K

-40.83%

Chicken Fillets (1kg)

$6.97 BGN 11.60

$4.35 Rp 78.2K

60.23%

Beef Round Steak (1kg)

$8.81 BGN 14.66

$11.98 Rp 215.3K

-26.46%

Apples (1kg)

$1.19 BGN 1.98

$3.72 Rp 66.8K

-68.01%

Banana (1kg)

$1.73 BGN 2.87

$1.63 Rp 29.2K

6.13%

Oranges (1kg)

$1.45 BGN 2.41

$2.74 Rp 49.3K

-47.08%

Tomato (1kg)

$2.24 BGN 3.72

$2.24 Rp 40.3K

Potato (1kg)

$0.91 BGN 1.51

$1.92 Rp 34.5K

-52.60%

Onion (1kg)

$0.75 BGN 1.24

$2.28 Rp 40.9K

-67.11%

Lettuce (1 head)

$0.56 BGN 0.93

$1.06 Rp 19.1K

-47.17%

Water (1.5 liter bottle)

$0.70 BGN 1.17

$0.72 Rp 12.9K

-2.78%

Cigarettes 20 Pack (Marlboro, Camel)

$3.44 BGN 5.72

$3.29 Rp 59.0K

4.56%

Wine (Bottle)

$5.14 BGN 8.55

$23.19 Rp 416.8K

-77.84%

Local Beer (0.5 liter bottle)

$0.80 BGN 1.32

$2.78 Rp 49.9K

-71.22%

Imported Beer (0.33 liter bottle)

$2.06 BGN 3.43

$2.73 Rp 49.1K

-24.54%

One-way Ticket (Public Transport)

$0.87 BGN 1.44

$0.27 Rp 4,786

222.22%

Public Transport Monthly Pass (Regular Price)

$11.58 BGN 19.26

$8.11 Rp 145.7K

42.79%

Taxi Start (Normal Tariff)

$1.37 BGN 2.28

$0.48 Rp 8,675

185.42%

Taxi (Normal Tariff) (1km)

$0.66 BGN 1.09

$0.42 Rp 7,545

57.14%

Taxi 1hour Waiting (Normal Tariff)

$11.88 BGN 19.77

$6.22 Rp 111.8K

91.00%

Gasoline (1 liter)

$1.48 BGN 2.46

$0.81 Rp 14.6K

82.72%

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

$24.8K BGN 41.3K

$26.6K Rp 478.2M

-6.65%

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

$17.8K BGN 29.6K

$32.2K Rp 578.5M

-44.64%

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

$102 BGN 170

$78.4 Rp 1.4M

30.24%

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

$14.79 BGN 24.61

$4.07 Rp 73.1K

263.39%

Internet (50+ Mbps, Unlimited Data)

$11.37 BGN 18.91

$24.33 Rp 437.1K

-53.27%

Gym Membership (Monthly)

$35.15 BGN 58.5

$98.6 Rp 1.8M

-64.35%

Tennis Court (1 Hour on Weekend)

$14.98 BGN 24.91

$6.34 Rp 113.9K

136.28%

Cinema Ticket

$5.74 BGN 9.56

$3.99 Rp 71.6K

43.86%

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

$240 BGN 399

$305 Rp 5.5M

-21.41%

International Primary School, 1 Child (Yearly)

$2,345 BGN 3,902

$6,642 Rp 119.4M

-64.69%

Jeans (Levis 501 Or Similar)

$38.20 BGN 63.6

$54.1 Rp 972.9K

-29.44%

Summer Dress (H&M, Zara, etc)

$19.23 BGN 31.99

$37.81 Rp 679.4K

-49.14%

Sport Shoes (Adidas, Nike)

$78.1 BGN 130

$86.8 Rp 1.6M

-10.06%

Men's Leather Business Shoes

$75.6 BGN 126

$76.4 Rp 1.4M

-1.01%

1-bedroom Apartment, City Center (Monthly)

$292 BGN 486

$992 Rp 17.8M

-70.57%

1-bedroom Apartment, Outside City Center (Monthly)

$269 BGN 447

$673 Rp 12.1M

-60.03%

3-bedroom Apartment, City Center (Monthly)

$475 BGN 790

$3,375 Rp 60.7M

-85.93%

3-bedroom Apartment, Outside City Center (Monthly)

$358 BGN 596

$2,050 Rp 36.8M

-82.53%

Buy Apartment in City Center (m2)

$1,175 BGN 1,955

$2,805 Rp 50.4M

-58.09%

Buy Apartment Outside City Center (m2)

$1,064 BGN 1,770

$2,227 Rp 40.0M

-52.23%

Average Monthly Net Salary (After Tax)

$1,630 BGN 2,712

$167 Rp 3.0M

876.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.4

13.28

-74.40%

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

Last update for Pernik: July 11, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $292 in Pernik and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Pernik pays 876% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $25.00 in Pernik vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $190 vs $297 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 876% 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: $292 in Pernik versus $992 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 43% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $240 in Pernik versus $305 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $890 in Pernik versus $1,408 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 $890 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.