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 $943 per month in Shumen vs $1,368 in Ubud, Bali, rent included.

A couple spends around $1,474 per month in Shumen vs $2,348 in Ubud, Bali, rent included.

A family of three spends $2,005 per month in Shumen vs $3,327 in Ubud, Bali, rent included.

Shumen is about 31% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Shumen sits 31% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$9.72 BGN 16.18

$3.44 Rp 60.9K

182.56%

Three-Course Dinner for Two, Mid-Range

$35.07 BGN 58.3

$36.31 Rp 643.0K

-3.42%

Fast Food Meal (McDonalds, etc)

$9.12 BGN 15.17

$5.71 Rp 101.0K

59.72%

Cappuccino

$1.81 BGN 3.00

$2.67 Rp 47.3K

-32.21%

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

$1.47 BGN 2.44

$1.75 Rp 31.0K

-16.00%

Water (0.33 liter bottle)

$1.05 BGN 1.74

$0.87 Rp 15.4K

20.69%

Local Beer (0.5 liter draught)

$2.91 BGN 4.83

$2.95 Rp 52.3K

-1.36%

Imported Beer (0.33 liter bottle)

$2.90 BGN 4.82

$4.52 Rp 80.0K

-35.84%

Milk (1 liter)

$1.91 BGN 3.17

$1.62 Rp 28.7K

17.90%

White Bread (500g)

$1.12 BGN 1.86

$2.33 Rp 41.3K

-51.93%

Rice (white) (1kg)

$2.60 BGN 4.33

$1.11 Rp 19.6K

134.23%

Eggs

$2.98 BGN 4.96

$2.20 Rp 39.0K

35.45%

Local Cheese (1kg)

$9.57 BGN 15.91

$17.69 Rp 313.3K

-45.90%

Chicken Fillets (1kg)

$5.06 BGN 8.42

$4.10 Rp 72.5K

23.41%

Beef Round Steak (1kg)

$9.18 BGN 15.27

$12.18 Rp 215.6K

-24.63%

Apples (1kg)

$1.56 BGN 2.60

$3.71 Rp 65.6K

-57.95%

Banana (1kg)

$2.12 BGN 3.53

$1.59 Rp 28.1K

33.33%

Oranges (1kg)

$2.19 BGN 3.64

$2.28 Rp 40.4K

-3.95%

Tomato (1kg)

$2.27 BGN 3.78

$1.95 Rp 34.6K

16.41%

Potato (1kg)

$2.09 BGN 3.47

$1.91 Rp 33.7K

9.42%

Onion (1kg)

$1.32 BGN 2.20

$2.33 Rp 41.3K

-43.35%

Lettuce (1 head)

$0.83 BGN 1.38

$1.01 Rp 17.8K

-17.82%

Water (1.5 liter bottle)

$0.78 BGN 1.31

$0.55 Rp 9,773

41.82%

Cigarettes 20 Pack (Marlboro, Camel)

$3.74 BGN 6.22

$2.23 Rp 39.5K

67.71%

Wine (Bottle)

$7.18 BGN 11.95

$23.07 Rp 408.6K

-68.88%

Local Beer (0.5 liter bottle)

$0.99 BGN 1.65

$2.42 Rp 42.8K

-59.09%

Imported Beer (0.33 liter bottle)

$1.46 BGN 2.44

$3.00 Rp 53.1K

-51.33%

One-way Ticket (Public Transport)

$0.92 BGN 1.53

$0.27 Rp 4,814

240.74%

Public Transport Monthly Pass (Regular Price)

$26.37 BGN 43.86

$8.98 Rp 159.1K

193.65%

Taxi Start (Normal Tariff)

$1.79 BGN 2.98

$0.48 Rp 8,566

272.92%

Taxi (Normal Tariff) (1km)

$0.52 BGN 0.86

$0.43 Rp 7,679

20.93%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

Gasoline (1 liter)

$1.58 BGN 2.62

$0.80 Rp 14.2K

97.50%

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

$31.9K BGN 53.0K

$24.9K Rp 441.7M

27.70%

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

$23.1K BGN 38.5K

$31.7K Rp 561.5M

-27.07%

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

$136 BGN 226

$81.5 Rp 1.4M

66.74%

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

$18.06 BGN 30.05

$6.49 Rp 115.0K

178.27%

Internet (50+ Mbps, Unlimited Data)

$17.42 BGN 28.98

$18.77 Rp 332.4K

-7.19%

Gym Membership (Monthly)

$40.40 BGN 67.2

$56.9 Rp 1.0M

-28.96%

Tennis Court (1 Hour on Weekend)

$11.74 BGN 19.53

$18.73 Rp 331.7K

-37.32%

Cinema Ticket

$6.99 BGN 11.62

$4.54 Rp 80.4K

53.96%

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

$588 BGN 979

$481 Rp 8.5M

22.38%

International Primary School, 1 Child (Yearly)

$10.6K BGN 17.6K

$5,711 Rp 101.1M

84.74%

Jeans (Levis 501 Or Similar)

$49.68 BGN 82.6

$45.52 Rp 806.0K

9.14%

Summer Dress (H&M, Zara, etc)

$51.8 BGN 86.2

$35.88 Rp 635.4K

44.45%

Sport Shoes (Adidas, Nike)

$94.2 BGN 157

$80.4 Rp 1.4M

17.19%

Men's Leather Business Shoes

$63.7 BGN 106

$78.7 Rp 1.4M

-19.09%

1-bedroom Apartment, City Center (Monthly)

$276 BGN 459

$1,115 Rp 19.7M

-75.22%

1-bedroom Apartment, Outside City Center (Monthly)

$186 BGN 310

$698 Rp 12.4M

-73.33%

3-bedroom Apartment, City Center (Monthly)

$439 BGN 730

$3,637 Rp 64.4M

-87.93%

3-bedroom Apartment, Outside City Center (Monthly)

$341 BGN 567

$1,737 Rp 30.8M

-80.39%

Buy Apartment in City Center (m2)

$1,261 BGN 2,098

$2,784 Rp 49.3M

-54.71%

Buy Apartment Outside City Center (m2)

$1,030 BGN 1,714

$2,290 Rp 40.5M

-55.00%

Average Monthly Net Salary (After Tax)

$1,035 BGN 1,722

$168 Rp 3.0M

515.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

13.78

-76.42%

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

Last update for Shumen: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A central one-bedroom costs $276 in Shumen versus $1,115 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 516% 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 $35.00 in Shumen versus $36.00 in Ubud, Bali. Monthly groceries follow the same trend: $219 vs $295 – 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: $943 in Shumen, $1,368 in Ubud, Bali – roughly 45% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $1,414 per month in Shumen and $2,052 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 $943 in Shumen and $1,368 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 194% 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 $943, than in Ubud, Bali at $1,368. 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 $943 in Shumen to $1,368 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.