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

Monthly Cost of Living

A single person spends $889 per month in Shumen vs $1,392 in Ubud, Bali, rent included.

A couple spends around $1,376 per month in Shumen vs $2,557 in Ubud, Bali, rent included.

A family of three spends $1,862 per month in Shumen vs $3,723 in Ubud, Bali, rent included.

Shumen is about 36% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Shumen sits 33% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$9.49 BGN 15.80

$3.57 Rp 64.5K

165.83%

Three-Course Dinner for Two, Mid-Range

$29.38 BGN 48.87

$32.32 Rp 583.4K

-9.10%

Fast Food Meal (McDonalds, etc)

$8.66 BGN 14.41

$5.01 Rp 90.4K

72.85%

Cappuccino

$1.70 BGN 2.83

$2.82 Rp 51.0K

-39.72%

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

$1.37 BGN 2.28

$1.35 Rp 24.4K

1.48%

Water (0.33 liter bottle)

$0.71 BGN 1.19

$0.73 Rp 13.2K

-2.74%

Local Beer (0.5 liter draught)

$2.01 BGN 3.34

$2.93 Rp 53.0K

-31.40%

Imported Beer (0.33 liter bottle)

$2.33 BGN 3.87

$3.94 Rp 71.1K

-40.86%

Milk (1 liter)

$1.64 BGN 2.73

$1.78 Rp 32.1K

-7.87%

White Bread (500g)

$0.95 BGN 1.59

$2.45 Rp 44.2K

-61.22%

Rice (white) (1kg)

$1.91 BGN 3.18

$1.15 Rp 20.7K

66.09%

Eggs

$3.08 BGN 5.12

$2.41 Rp 43.6K

27.80%

Local Cheese (1kg)

$9.41 BGN 15.66

$14.33 Rp 258.7K

-34.33%

Chicken Fillets (1kg)

$5.63 BGN 9.37

$4.19 Rp 75.6K

34.37%

Beef Round Steak (1kg)

$11.73 BGN 19.51

$12.06 Rp 217.7K

-2.74%

Apples (1kg)

$1.76 BGN 2.93

$3.64 Rp 65.7K

-51.65%

Banana (1kg)

$2.05 BGN 3.41

$1.57 Rp 28.3K

30.57%

Oranges (1kg)

$2.06 BGN 3.42

$2.79 Rp 50.3K

-26.16%

Tomato (1kg)

$2.25 BGN 3.74

$2.24 Rp 40.5K

0.45%

Potato (1kg)

$1.45 BGN 2.42

$1.98 Rp 35.7K

-26.77%

Onion (1kg)

$1.33 BGN 2.21

$2.28 Rp 41.1K

-41.67%

Lettuce (1 head)

$0.93 BGN 1.54

$1.05 Rp 19.0K

-11.43%

Water (1.5 liter bottle)

$0.79 BGN 1.31

$0.79 Rp 14.2K

Cigarettes 20 Pack (Marlboro, Camel)

$3.57 BGN 5.94

$3.19 Rp 57.6K

11.91%

Wine (Bottle)

$7.22 BGN 12.00

$23.49 Rp 424.1K

-69.26%

Local Beer (0.5 liter bottle)

$0.93 BGN 1.55

$2.90 Rp 52.3K

-67.93%

Imported Beer (0.33 liter bottle)

$1.61 BGN 2.68

$2.76 Rp 49.7K

-41.67%

One-way Ticket (Public Transport)

$0.87 BGN 1.45

$0.27 Rp 4,813

222.22%

Public Transport Monthly Pass (Regular Price)

$26.71 BGN 44.44

$8.37 Rp 151.1K

219.12%

Taxi Start (Normal Tariff)

$1.25 BGN 2.08

$0.45 Rp 8,167

177.78%

Taxi (Normal Tariff) (1km)

$0.31 BGN 0.51

$0.46 Rp 8,298

-32.61%

Taxi 1hour Waiting (Normal Tariff)

$13.36 BGN 22.22

$6.07 Rp 109.6K

120.10%

Gasoline (1 liter)

$1.49 BGN 2.47

$0.86 Rp 15.6K

73.26%

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

$32.0K BGN 53.2K

$26.6K Rp 480.0M

20.20%

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

$25.2K BGN 41.9K

$32.5K Rp 587.6M

-22.63%

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

$96.4 BGN 160

$79.0 Rp 1.4M

21.93%

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

$16.33 BGN 27.16

$4.09 Rp 73.9K

299.27%

Internet (50+ Mbps, Unlimited Data)

$13.90 BGN 23.13

$23.85 Rp 430.5K

-41.72%

Gym Membership (Monthly)

$39.73 BGN 66.1

$98.8 Rp 1.8M

-59.78%

Tennis Court (1 Hour on Weekend)

$11.67 BGN 19.41

$6.35 Rp 114.7K

83.78%

Cinema Ticket

$6.94 BGN 11.54

$4.01 Rp 72.3K

73.07%

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

$237 BGN 394

$297 Rp 5.4M

-20.23%

International Primary School, 1 Child (Yearly)

$10.6K BGN 17.6K

$6,602 Rp 119.2M

60.01%

Jeans (Levis 501 Or Similar)

$54.5 BGN 90.6

$53.4 Rp 964.5K

1.91%

Summer Dress (H&M, Zara, etc)

$41.57 BGN 69.2

$38.11 Rp 688.1K

9.08%

Sport Shoes (Adidas, Nike)

$83.1 BGN 138

$88.7 Rp 1.6M

-6.29%

Men's Leather Business Shoes

$72.2 BGN 120

$76.6 Rp 1.4M

-5.73%

1-bedroom Apartment, City Center (Monthly)

$272 BGN 452

$1,020 Rp 18.4M

-73.33%

1-bedroom Apartment, Outside City Center (Monthly)

$189 BGN 314

$680 Rp 12.3M

-72.23%

3-bedroom Apartment, City Center (Monthly)

$508 BGN 844

$3,469 Rp 62.6M

-85.37%

3-bedroom Apartment, Outside City Center (Monthly)

$326 BGN 542

$2,090 Rp 37.7M

-84.40%

Buy Apartment in City Center (m2)

$1,289 BGN 2,144

$2,729 Rp 49.3M

-52.78%

Buy Apartment Outside City Center (m2)

$1,017 BGN 1,691

$2,295 Rp 41.4M

-55.71%

Average Monthly Net Salary (After Tax)

$1,034 BGN 1,719

$164 Rp 3.0M

531.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.57

13.28

-65.59%

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

Last update for Shumen: July 26, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A central one-bedroom costs $272 in Shumen versus $1,020 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 531% higher in Shumen, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $29.00 in Shumen versus $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $221 vs $298 – making Shumen the more affordable choice for daily food spending.

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

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

Monthly costs with rent: $889 in Shumen, $1,392 in Ubud, Bali – roughly 57% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $1,334 per month in Shumen and $2,088 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Shumen, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $889 in Shumen and $1,392 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 219% less in Shumen. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Shumen, where all-in costs run around $889, than in Ubud, Bali at $1,392. In Shumen it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $889 in Shumen to $1,392 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Shumen. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.