Last update: Oct 2026

Cost of Living Comparison Between Ruse and Ubud, Bali

For one person, living is cheaper in Ruse: $990 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,400 less a year. Rent and utilities account for most of the difference.

48

Cost of Living Index in Ruse
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Ruse Living Index
66

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

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Ruse

🇧🇬 Bulgaria

$990

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $990 in Ruse versus $1,353 in Ubud, Bali.

Ruse $990
Ubud, Bali $1,353

Estimated couple costs with rent: $1,470 in Ruse versus $2,297 in Ubud, Bali.

Ruse $1,470
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $1,949 in Ruse versus $3,241 in Ubud, Bali.

Ruse $1,949
Ubud, Bali $3,241

Living in Ruse costs roughly 27% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ruse is 27% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$9.07 BGN 15.77

$3.23 Rp 58.1K

180.80%

Three-Course Dinner for Two, Mid-Range

$34.26 BGN 59.6

$34.88 Rp 627.8K

-1.78%

Fast Food Meal (McDonalds, etc)

$9.55 BGN 16.62

$5.70 Rp 102.5K

67.54%

Cappuccino

$1.68 BGN 2.93

$2.62 Rp 47.1K

-35.88%

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

$1.48 BGN 2.58

$1.72 Rp 31.0K

-13.95%

Water (0.33 liter bottle)

$0.83 BGN 1.45

$0.81 Rp 14.6K

2.47%

Local Beer (0.5 liter draught)

$1.76 BGN 3.07

$2.65 Rp 47.7K

-33.58%

Imported Beer (0.33 liter bottle)

$2.80 BGN 4.88

$4.37 Rp 78.6K

-35.93%

Milk (1 liter)

$1.75 BGN 3.04

$1.57 Rp 28.3K

11.46%

White Bread (500g)

$1.01 BGN 1.76

$2.19 Rp 39.5K

-53.88%

Rice (white) (1kg)

$2.28 BGN 3.96

$1.18 Rp 21.2K

93.22%

Eggs

$2.55 BGN 4.43

$2.16 Rp 38.8K

18.06%

Local Cheese (1kg)

$8.93 BGN 15.54

$17.65 Rp 317.7K

-49.41%

Chicken Fillets (1kg)

$7.77 BGN 13.52

$3.78 Rp 68.0K

105.56%

Beef Round Steak (1kg)

$14.42 BGN 25.10

$11.95 Rp 215.1K

20.67%

Apples (1kg)

$1.40 BGN 2.44

$3.60 Rp 64.8K

-61.11%

Banana (1kg)

$1.85 BGN 3.21

$1.59 Rp 28.6K

16.35%

Oranges (1kg)

$2.01 BGN 3.50

$2.31 Rp 41.6K

-12.99%

Tomato (1kg)

$2.02 BGN 3.52

$1.91 Rp 34.3K

5.76%

Potato (1kg)

$1.08 BGN 1.87

$1.78 Rp 32.1K

-39.33%

Onion (1kg)

$1.06 BGN 1.84

$2.33 Rp 41.9K

-54.51%

Lettuce (1 head)

$1.21 BGN 2.11

$1.00 Rp 18.0K

21.00%

Water (1.5 liter bottle)

$0.66 BGN 1.15

$0.53 Rp 9,509

24.53%

Cigarettes 20 Pack (Marlboro, Camel)

$3.40 BGN 5.91

$2.29 Rp 41.1K

48.47%

Wine (Bottle)

$6.12 BGN 10.66

$22.07 Rp 397.3K

-72.27%

Local Beer (0.5 liter bottle)

$1.13 BGN 1.97

$2.35 Rp 42.2K

-51.91%

Imported Beer (0.33 liter bottle)

$1.17 BGN 2.04

$2.98 Rp 53.6K

-60.74%

One-way Ticket (Public Transport)

$0.84 BGN 1.46

$0.23 Rp 4,112

265.22%

Public Transport Monthly Pass (Regular Price)

$15.93 BGN 27.71

$8.90 Rp 160.2K

78.99%

Taxi Start (Normal Tariff)

$1.25 BGN 2.17

$0.47 Rp 8,466

165.96%

Taxi (Normal Tariff) (1km)

$0.61 BGN 1.06

$0.43 Rp 7,737

41.86%

Taxi 1hour Waiting (Normal Tariff)

$10.22 BGN 17.79

$5.47 Rp 98.4K

86.84%

Gasoline (1 liter)

$1.51 BGN 2.63

$0.83 Rp 14.9K

81.93%

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

$30.2K BGN 52.5K

$23.9K Rp 429.8M

26.30%

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

$22.6K BGN 39.3K

$32.8K Rp 590.1M

-31.15%

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

$104 BGN 182

$80.0 Rp 1.4M

30.43%

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

$17.91 BGN 31.17

$6.56 Rp 118.1K

173.02%

Internet (50+ Mbps, Unlimited Data)

$12.89 BGN 22.44

$18.60 Rp 334.8K

-30.70%

Gym Membership (Monthly)

$31.68 BGN 55.1

$54.1 Rp 974.1K

-41.46%

Tennis Court (1 Hour on Weekend)

$8.80 BGN 15.32

$18.28 Rp 329.0K

-51.86%

Cinema Ticket

$5.60 BGN 9.74

$4.25 Rp 76.5K

31.76%

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

$518 BGN 902

$493 Rp 8.9M

5.17%

International Primary School, 1 Child (Yearly)

$5,381 BGN 9,363

$5,597 Rp 100.7M

-3.86%

Jeans (Levis 501 Or Similar)

$50.9 BGN 88.6

$45.58 Rp 820.4K

11.67%

Summer Dress (H&M, Zara, etc)

$28.15 BGN 48.99

$34.96 Rp 629.4K

-19.48%

Sport Shoes (Adidas, Nike)

$72.0 BGN 125

$77.7 Rp 1.4M

-7.39%

Men's Leather Business Shoes

$87.2 BGN 152

$78.5 Rp 1.4M

11.08%

1-bedroom Apartment, City Center (Monthly)

$348 BGN 606

$1,131 Rp 20.4M

-69.24%

1-bedroom Apartment, Outside City Center (Monthly)

$305 BGN 531

$673 Rp 12.1M

-54.61%

3-bedroom Apartment, City Center (Monthly)

$526 BGN 914

$3,613 Rp 65.0M

-85.45%

3-bedroom Apartment, Outside City Center (Monthly)

$409 BGN 712

$1,702 Rp 30.6M

-75.95%

Buy Apartment in City Center (m2)

$1,660 BGN 2,889

$2,717 Rp 48.9M

-38.90%

Buy Apartment Outside City Center (m2)

$1,210 BGN 2,105

$2,241 Rp 40.3M

-46.02%

Average Monthly Net Salary (After Tax)

$966 BGN 1,681

$166 Rp 3.0M

480.74%

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 Ruse: 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

Ruse

$305 30.9%

Ubud, Bali

$673 49.7% 120% $367

Groceries & Markets

Ruse

$230 23.3%

Ubud, Bali

$287 21.2% 24.6% $57

Eating Out

Ruse

$145 14.7%

Ubud, Bali

$106 7.9% 26.6% $39

Monthly Utilities & Internet

Ruse

$135 13.7%

Ubud, Bali

$105 7.8% 22.2% $30

Clothing & Footwear

Ruse

$107 10.8%

Ubud, Bali

$107 7.9% 0.6% $0.7

Sport & Entertainment

Ruse

$43 4.3%

Ubud, Bali

$63 4.6% 46.1% $20

Getting Around

Ruse

$24 2.4%

Ubud, Bali

$12 0.9% 47.3% $11

Cost Breakdown

A one-bedroom apartment in the center runs $348 in Ruse and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ruse pays 481% 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 Ruse vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $230 vs $287 per month, with Ruse cheaper across the board.

Good to know

🇧🇬 Ruse

🇮🇩 Ubud, Bali

🕒 Local time

17:24 5:24 PM

22:24 10:24 PM

5 h ahead of Ruse

🌤 Weather

👥 Population

159,798

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

Ruse Ubud, Bali 10,610 km ≈ 14 h nonstop flight

From you

Ruse
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

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

Ruse wins on cost – living expenses run 37% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Ruse the obvious pick if budget is a priority.

Average pay runs 481% higher in Ruse, 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: $348 in Ruse 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 Ruse runs roughly 79% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $518 in Ruse versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $990 in Ruse versus $1,353 in Ubud, Bali, a $1,000 budget is realistic in Ruse but tight or insufficient in Ubud, Bali. The gap between the two cities makes Ruse the clear choice for anyone on this budget.

Both work as nomad bases, but Ruse delivers better value – similar infrastructure at $990 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ruse hard to pass up.

Safety-wise, Ruse 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 Ruse gentler on the wallet – expenses run 37% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.