Last update: Oct 2026

Cost of Living Comparison Between Razgrad and Ubud, Bali

For one person, living is cheaper in Razgrad: $826 a month against $1,353 in Ubud, Bali, rent and utilities included – about $6,300 less a year. Rent and utilities account for most of the difference.

40

Cost of Living Index in Razgrad
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Razgrad Living Index
66

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

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Razgrad

🇧🇬 Bulgaria

$826

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $826 in Razgrad versus $1,353 in Ubud, Bali.

Razgrad $826
Ubud, Bali $1,353

Estimated couple costs with rent: $1,269 in Razgrad versus $2,297 in Ubud, Bali.

Razgrad $1,269
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $1,713 in Razgrad versus $3,241 in Ubud, Bali.

Razgrad $1,713
Ubud, Bali $3,241

Living in Razgrad costs roughly 39% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Razgrad is 39% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$8.44 BGN 14.68

$3.23 Rp 58.1K

161.30%

Three-Course Dinner for Two, Mid-Range

$22.52 BGN 39.18

$34.88 Rp 627.8K

-35.44%

Fast Food Meal (McDonalds, etc)

$8.71 BGN 15.16

$5.70 Rp 102.5K

52.81%

Cappuccino

$1.90 BGN 3.30

$2.62 Rp 47.1K

-27.48%

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

$1.58 BGN 2.74

$1.72 Rp 31.0K

-8.14%

Water (0.33 liter bottle)

$1.15 BGN 2.01

$0.81 Rp 14.6K

41.98%

Local Beer (0.5 liter draught)

$1.81 BGN 3.15

$2.65 Rp 47.7K

-31.70%

Imported Beer (0.33 liter bottle)

$2.33 BGN 4.06

$4.37 Rp 78.6K

-46.68%

Milk (1 liter)

$1.65 BGN 2.87

$1.57 Rp 28.3K

5.10%

White Bread (500g)

$0.82 BGN 1.43

$2.19 Rp 39.5K

-62.56%

Rice (white) (1kg)

$2.18 BGN 3.79

$1.18 Rp 21.2K

84.75%

Eggs

$3.31 BGN 5.75

$2.16 Rp 38.8K

53.24%

Local Cheese (1kg)

$6.92 BGN 12.05

$17.65 Rp 317.7K

-60.79%

Chicken Fillets (1kg)

$7.87 BGN 13.69

$3.78 Rp 68.0K

108.20%

Beef Round Steak (1kg)

$13.98 BGN 24.33

$11.95 Rp 215.1K

16.99%

Apples (1kg)

$1.25 BGN 2.18

$3.60 Rp 64.8K

-65.28%

Banana (1kg)

$1.79 BGN 3.11

$1.59 Rp 28.6K

12.58%

Oranges (1kg)

$1.48 BGN 2.57

$2.31 Rp 41.6K

-35.93%

Tomato (1kg)

$1.86 BGN 3.23

$1.91 Rp 34.3K

-2.62%

Potato (1kg)

$0.82 BGN 1.42

$1.78 Rp 32.1K

-53.93%

Onion (1kg)

$0.99 BGN 1.72

$2.33 Rp 41.9K

-57.51%

Lettuce (1 head)

$1.00 BGN 1.74

$1.00 Rp 18.0K

Water (1.5 liter bottle)

$0.60 BGN 1.04

$0.53 Rp 9,509

13.21%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 BGN 5.78

$2.29 Rp 41.1K

44.98%

Wine (Bottle)

$4.22 BGN 7.34

$22.07 Rp 397.3K

-80.88%

Local Beer (0.5 liter bottle)

$0.99 BGN 1.72

$2.35 Rp 42.2K

-57.87%

Imported Beer (0.33 liter bottle)

$1.27 BGN 2.21

$2.98 Rp 53.6K

-57.38%

One-way Ticket (Public Transport)

$0.88 BGN 1.54

$0.23 Rp 4,112

282.61%

Public Transport Monthly Pass (Regular Price)

$17.16 BGN 29.86

$8.90 Rp 160.2K

92.81%

Taxi Start (Normal Tariff)

$1.27 BGN 2.21

$0.47 Rp 8,466

170.21%

Taxi (Normal Tariff) (1km)

$0.61 BGN 1.06

$0.43 Rp 7,737

41.86%

Taxi 1hour Waiting (Normal Tariff)

$10.09 BGN 17.56

$5.47 Rp 98.4K

84.46%

Gasoline (1 liter)

$1.49 BGN 2.60

$0.83 Rp 14.9K

79.52%

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

$22.7K BGN 39.6K

$23.9K Rp 429.8M

-4.72%

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

$25.0K BGN 43.4K

$32.8K Rp 590.1M

-23.85%

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

$76.8 BGN 134

$80.0 Rp 1.4M

-3.95%

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

$14.68 BGN 25.55

$6.56 Rp 118.1K

123.78%

Internet (50+ Mbps, Unlimited Data)

$11.66 BGN 20.29

$18.60 Rp 334.8K

-37.31%

Gym Membership (Monthly)

$26.36 BGN 45.88

$54.1 Rp 974.1K

-51.29%

Tennis Court (1 Hour on Weekend)

$17.24 BGN 30.00

$18.28 Rp 329.0K

-5.69%

Cinema Ticket

$6.70 BGN 11.66

$4.25 Rp 76.5K

57.65%

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

$509 BGN 886

$493 Rp 8.9M

3.36%

International Primary School, 1 Child (Yearly)

$5,354 BGN 9,316

$5,597 Rp 100.7M

-4.35%

Jeans (Levis 501 Or Similar)

$33.63 BGN 58.5

$45.58 Rp 820.4K

-26.22%

Summer Dress (H&M, Zara, etc)

$16.80 BGN 29.24

$34.96 Rp 629.4K

-51.95%

Sport Shoes (Adidas, Nike)

$91.9 BGN 160

$77.7 Rp 1.4M

18.21%

Men's Leather Business Shoes

$102 BGN 178

$78.5 Rp 1.4M

30.51%

1-bedroom Apartment, City Center (Monthly)

$278 BGN 483

$1,131 Rp 20.4M

-75.47%

1-bedroom Apartment, Outside City Center (Monthly)

$194 BGN 338

$673 Rp 12.1M

-71.13%

3-bedroom Apartment, City Center (Monthly)

$366 BGN 636

$3,613 Rp 65.0M

-89.88%

3-bedroom Apartment, Outside City Center (Monthly)

$301 BGN 523

$1,702 Rp 30.6M

-82.33%

Buy Apartment in City Center (m2)

$1,096 BGN 1,907

$2,717 Rp 48.9M

-59.67%

Buy Apartment Outside City Center (m2)

$727 BGN 1,265

$2,241 Rp 40.3M

-67.55%

Average Monthly Net Salary (After Tax)

$1,209 BGN 2,104

$166 Rp 3.0M

626.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.1

13.78

-77.50%

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

Last update for Razgrad: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Razgrad

$212 25.7%

Ubud, Bali

$287 21.2% 35.2% $75

Accommodation & Living

Razgrad

$194 23.5%

Ubud, Bali

$673 49.7% 246% $479

Eating Out

Razgrad

$141 17.1%

Ubud, Bali

$106 7.9% 24.5% $35

Clothing & Footwear

Razgrad

$110 13.3%

Ubud, Bali

$107 7.9% 3.3% $3.6

Monthly Utilities & Internet

Razgrad

$103 12.5%

Ubud, Bali

$105 7.8% 1.9% $2

Sport & Entertainment

Razgrad

$40 4.8%

Ubud, Bali

$63 4.6% 57.5% $23

Getting Around

Razgrad

$25 3%

Ubud, Bali

$12 0.9% 50.3% $13

Cost Breakdown

A one-bedroom apartment in the center runs $278 in Razgrad and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Razgrad pays 627% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Razgrad vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $212 vs $287 per month, with Razgrad cheaper across the board.

Good to know

🇧🇬 Razgrad

🇮🇩 Ubud, Bali

🕒 Local time

13:50 1:50 PM

18:50 6:50 PM

5 h ahead of Razgrad

🌤 Weather

👥 Population

35,049

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

Razgrad Ubud, Bali 10,560 km ≈ 14 h nonstop flight

From you

Razgrad
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

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

Razgrad wins on cost – living expenses run 64% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Razgrad the obvious pick if budget is a priority.

Average pay runs 627% higher in Razgrad, 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: $278 in Razgrad versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Razgrad – a meal for two runs $23.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $826 per month in Razgrad versus $1,353 in Ubud, Bali – a 64% gap that adds up to real savings over time for anyone picking the cheaper option.

At $826 in Razgrad versus $1,353 in Ubud, Bali, a $1,000 budget is realistic in Razgrad but tight or insufficient in Ubud, Bali. The gap between the two cities makes Razgrad the clear choice for anyone on this budget.

Both work as nomad bases, but Razgrad delivers better value – similar infrastructure at $826 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Razgrad hard to pass up.

Safety-wise, Razgrad 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 Razgrad gentler on the wallet – expenses run 64% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.