Last update: Oct 2026

Cost of Living Comparison Between Shumen and Ubud, Bali

For one person, living is cheaper in Shumen: $913 a month against $1,349 in Ubud, Bali, rent and utilities included – about $5,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

44

Cost of Living Index in Shumen
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Shumen Living Index
65

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

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Shumen

🇧🇬 Bulgaria

$913

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $913 per month in Shumen vs $1,349 in Ubud, Bali, rent included.

Shumen $913
Ubud, Bali $1,349

A couple spends around $1,422 per month in Shumen vs $2,305 in Ubud, Bali, rent included.

Shumen $1,422
Ubud, Bali $2,305

A family of three spends $1,931 per month in Shumen vs $3,261 in Ubud, Bali, rent included.

Shumen $1,931
Ubud, Bali $3,261

Shumen is about 32% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$9.14 BGN 15.99

$3.32 Rp 60.2K

175.30%

Three-Course Dinner for Two, Mid-Range

$34.66 BGN 60.7

$35.64 Rp 645.8K

-2.75%

Fast Food Meal (McDonalds, etc)

$9.14 BGN 15.99

$5.53 Rp 100.3K

65.28%

Cappuccino

$1.69 BGN 2.96

$2.72 Rp 49.3K

-37.87%

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

$1.43 BGN 2.50

$1.70 Rp 30.8K

-15.88%

Water (0.33 liter bottle)

$1.07 BGN 1.87

$0.76 Rp 13.8K

40.79%

Local Beer (0.5 liter draught)

$2.95 BGN 5.15

$2.65 Rp 48.1K

11.32%

Imported Beer (0.33 liter bottle)

$2.89 BGN 5.06

$4.38 Rp 79.4K

-34.02%

Milk (1 liter)

$1.84 BGN 3.23

$1.49 Rp 27.0K

23.49%

White Bread (500g)

$1.08 BGN 1.89

$2.28 Rp 41.2K

-52.63%

Rice (white) (1kg)

$2.57 BGN 4.49

$1.19 Rp 21.6K

115.97%

Eggs

$2.85 BGN 4.98

$2.04 Rp 36.9K

39.71%

Local Cheese (1kg)

$9.11 BGN 15.94

$17.70 Rp 320.8K

-48.53%

Chicken Fillets (1kg)

$5.11 BGN 8.95

$3.96 Rp 71.8K

29.04%

Beef Round Steak (1kg)

$8.86 BGN 15.51

$12.19 Rp 220.9K

-27.32%

Apples (1kg)

$1.52 BGN 2.66

$3.66 Rp 66.2K

-58.47%

Banana (1kg)

$2.04 BGN 3.57

$1.52 Rp 27.5K

34.21%

Oranges (1kg)

$2.17 BGN 3.80

$2.23 Rp 40.4K

-2.69%

Tomato (1kg)

$2.30 BGN 4.02

$1.97 Rp 35.7K

16.75%

Potato (1kg)

$2.05 BGN 3.59

$1.85 Rp 33.5K

10.81%

Onion (1kg)

$1.25 BGN 2.20

$2.42 Rp 43.9K

-48.35%

Lettuce (1 head)

$0.88 BGN 1.53

$0.99 Rp 17.9K

-11.11%

Water (1.5 liter bottle)

$0.77 BGN 1.34

$0.51 Rp 9,303

50.98%

Cigarettes 20 Pack (Marlboro, Camel)

$3.67 BGN 6.41

$2.22 Rp 40.3K

65.32%

Wine (Bottle)

$7.00 BGN 12.25

$22.24 Rp 403.0K

-68.53%

Local Beer (0.5 liter bottle)

$0.97 BGN 1.69

$2.26 Rp 41.0K

-57.08%

Imported Beer (0.33 liter bottle)

$1.47 BGN 2.57

$2.97 Rp 53.8K

-50.51%

One-way Ticket (Public Transport)

$0.88 BGN 1.54

$0.25 Rp 4,548

252.00%

Public Transport Monthly Pass (Regular Price)

$26.12 BGN 45.72

$7.82 Rp 141.8K

234.02%

Taxi Start (Normal Tariff)

$1.76 BGN 3.07

$0.44 Rp 7,964

300.00%

Taxi (Normal Tariff) (1km)

$0.53 BGN 0.93

$0.43 Rp 7,793

23.26%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

Gasoline (1 liter)

$1.59 BGN 2.78

$0.82 Rp 14.9K

93.90%

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

$30.9K BGN 54.1K

$23.8K Rp 432.0M

29.67%

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

$22.3K BGN 39.1K

$31.7K Rp 575.3M

-29.65%

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

$133 BGN 232

$79.1 Rp 1.4M

67.82%

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

$17.68 BGN 30.94

$6.45 Rp 116.8K

174.11%

Internet (50+ Mbps, Unlimited Data)

$16.94 BGN 29.64

$18.58 Rp 336.7K

-8.83%

Gym Membership (Monthly)

$38.15 BGN 66.8

$49.48 Rp 896.7K

-22.90%

Tennis Court (1 Hour on Weekend)

$11.41 BGN 19.97

$17.65 Rp 319.8K

-35.35%

Cinema Ticket

$7.04 BGN 12.32

$4.27 Rp 77.4K

64.87%

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

$561 BGN 982

$491 Rp 8.9M

14.44%

International Primary School, 1 Child (Yearly)

$10.5K BGN 18.4K

$5,674 Rp 102.8M

84.85%

Jeans (Levis 501 Or Similar)

$47.91 BGN 83.8

$44.64 Rp 808.9K

7.33%

Summer Dress (H&M, Zara, etc)

$51.6 BGN 90.4

$34.95 Rp 633.4K

47.75%

Sport Shoes (Adidas, Nike)

$94.2 BGN 165

$79.9 Rp 1.4M

17.86%

Men's Leather Business Shoes

$60.6 BGN 106

$79.4 Rp 1.4M

-23.72%

1-bedroom Apartment, City Center (Monthly)

$263 BGN 460

$1,125 Rp 20.4M

-76.62%

1-bedroom Apartment, Outside City Center (Monthly)

$180 BGN 315

$671 Rp 12.2M

-73.23%

3-bedroom Apartment, City Center (Monthly)

$427 BGN 748

$3,565 Rp 64.6M

-88.02%

3-bedroom Apartment, Outside City Center (Monthly)

$334 BGN 584

$1,723 Rp 31.2M

-80.64%

Buy Apartment in City Center (m2)

$1,231 BGN 2,154

$2,732 Rp 49.5M

-54.95%

Buy Apartment Outside City Center (m2)

$997 BGN 1,744

$2,284 Rp 41.4M

-56.36%

Average Monthly Net Salary (After Tax)

$1,024 BGN 1,792

$164 Rp 3.0M

525.06%

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: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Shumen

$214 23.4%

Ubud, Bali

$288 21.4% 35.1% $75

Accommodation & Living

Shumen

$180 19.7%

Ubud, Bali

$672 49.8% 274% $492

Monthly Utilities & Internet

Shumen

$167 18.3%

Ubud, Bali

$104 7.7% 37.8% $63

Eating Out

Shumen

$151 16.6%

Ubud, Bali

$108 8% 28.8% $44

Clothing & Footwear

Shumen

$114 12.5%

Ubud, Bali

$108 8% 6.1% $6.9

Sport & Entertainment

Shumen

$52 5.7%

Ubud, Bali

$58 4.3% 11.1% $5.8

Getting Around

Shumen

$34 3.7%

Ubud, Bali

$11 0.9% 66.5% $23

Cost Breakdown

A central one-bedroom costs $263 in Shumen versus $1,125 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 in Shumen are about 6.3 times higher, 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 in Shumen versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $214 vs $288 – making Shumen the more affordable choice for daily food spending.

Good to know

🇧🇬 Shumen

🇮🇩 Ubud, Bali

🕒 Local time

22:20 10:20 PM

04:20 4:20 AM

6 h ahead of Shumen

🌤 Weather

👥 Population

85,504

74,800

💱 Currency

Bulgarian Lev BGN лв.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BGN = 0.571 USD

1 BGN = 0.512 EUR

100,000 IDR = 5.52 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 November 1, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.95 BGN (1 BGN = 0.512 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to BGN in detail →

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Between locations

Shumen Ubud, Bali 10,520 km ≈ 14 h nonstop flight

From you

Shumen
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

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

Monthly costs with rent: $913 in Shumen, $1,349 in Ubud, Bali – Shumen comes out roughly 32% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,369 per month in Shumen and $2,023 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: a one-bedroom in the center costs $263 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $913 in Shumen and $1,349 in Ubud, Bali. That makes Shumen about 32% cheaper.

Public transport costs about 70% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,200 monthly budget goes further in Shumen, where all-in costs run around $913, than in Ubud, Bali at $1,349. 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 $913 in Shumen to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.