Last update: Oct 2026

Cost of Living Comparison Between Sofia and Loznica

For one person, living is cheaper in Loznica: $765 a month against $1,594 in Sofia, rent and utilities included – about $9,900 less a year. Rent and utilities account for about half of the difference.

78

Cost of Living Index in Sofia
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Sofia Living Index
37

Cost of Living Index in Loznica
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Loznica Living Index

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Sofia

🇧🇬 Bulgaria

$1,594

/mo nomad

Loznica

🇷🇸 Serbia

$765

/mo nomad

Monthly Cost of Living

How much you'll spend in Sofia and in Loznica

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Sofia and in Loznica actually costs, broken down by who's living it.

A single person spends $1,594 per month in Sofia vs $765 in Loznica, rent included.

Sofia $1,594
Loznica $765

A couple spends around $2,478 per month in Sofia vs $1,168 in Loznica, rent included.

Sofia $2,478
Loznica $1,168

A family of three spends $3,361 per month in Sofia vs $1,572 in Loznica, rent included.

Sofia $3,361
Loznica $1,572

Sofia costs about 108% more than Loznica, and outside of rent the biggest gap is in eating out.

Sofia sits 18% above the global median, while Loznica is 43% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$16.87 BGN 29.35

$3.57 RSD 372

372.55%

Three-Course Dinner for Two, Mid-Range

$65.8 BGN 115

$32.79 RSD 3,418

100.70%

Fast Food Meal (McDonalds, etc)

$11.32 BGN 19.69

$11.11 RSD 1,158

1.89%

Cappuccino

$3.43 BGN 5.98

$1.55 RSD 162

121.29%

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

$2.41 BGN 4.19

$1.84 RSD 192

30.98%

Water (0.33 liter bottle)

$1.85 BGN 3.22

$1.68 RSD 175

10.12%

Local Beer (0.5 liter draught)

$3.70 BGN 6.44

$2.36 RSD 246

56.78%

Imported Beer (0.33 liter bottle)

$4.58 BGN 7.97

$2.83 RSD 295

61.84%

Milk (1 liter)

$2.02 BGN 3.51

$1.04 RSD 108

94.23%

White Bread (500g)

$1.56 BGN 2.72

$0.54 RSD 56.5

188.89%

Rice (white) (1kg)

$2.33 BGN 4.05

$1.36 RSD 141

71.32%

Eggs

$4.36 BGN 7.59

$1.89 RSD 197

130.69%

Local Cheese (1kg)

$11.76 BGN 20.47

$7.95 RSD 829

47.92%

Chicken Fillets (1kg)

$8.83 BGN 15.37

$5.83 RSD 608

51.46%

Beef Round Steak (1kg)

$17.46 BGN 30.38

$9.34 RSD 973

86.94%

Apples (1kg)

$2.15 BGN 3.74

$0.88 RSD 91.3

144.32%

Banana (1kg)

$1.98 BGN 3.44

$1.62 RSD 169

22.22%

Oranges (1kg)

$1.93 BGN 3.37

$1.17 RSD 122

64.96%

Tomato (1kg)

$4.24 BGN 7.37

$1.20 RSD 125

253.33%

Potato (1kg)

$1.04 BGN 1.80

$1.03 RSD 108

0.97%

Onion (1kg)

$0.85 BGN 1.48

$0.61 RSD 63.4

39.34%

Lettuce (1 head)

$1.15 BGN 2.00

$0.58 RSD 60.0

98.28%

Water (1.5 liter bottle)

$0.89 BGN 1.56

$0.46 RSD 47.87

93.48%

Cigarettes 20 Pack (Marlboro, Camel)

$4.21 BGN 7.33

$4.03 RSD 420

4.47%

Wine (Bottle)

$7.46 BGN 12.98

$4.57 RSD 477

63.24%

Local Beer (0.5 liter bottle)

$1.15 BGN 2.01

$0.81 RSD 84.4

41.98%

Imported Beer (0.33 liter bottle)

$1.85 BGN 3.23

$2.33 RSD 243

-20.60%

One-way Ticket (Public Transport)

$0.87 BGN 1.51

$0.99 RSD 103

-12.12%

Public Transport Monthly Pass (Regular Price)

$28.53 BGN 49.65

Taxi Start (Normal Tariff)

$1.68 BGN 2.93

$1.95 RSD 203

-13.85%

Taxi (Normal Tariff) (1km)

$0.94 BGN 1.63

$1.06 RSD 111

-11.32%

Taxi 1hour Waiting (Normal Tariff)

$15.35 BGN 26.70

$6.55 RSD 682

134.35%

Gasoline (1 liter)

$1.69 BGN 2.94

$1.86 RSD 194

-9.14%

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

$29.8K BGN 51.9K

$30.6K RSD 3.2M

-2.71%

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

$26.1K BGN 45.5K

$25.5K RSD 2.7M

2.51%

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

$156 BGN 272

$109 RSD 11.3K

43.63%

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

$21.56 BGN 37.52

$15.76 RSD 1,643

36.80%

Internet (50+ Mbps, Unlimited Data)

$15.24 BGN 26.51

$16.35 RSD 1,705

-6.79%

Gym Membership (Monthly)

$46.08 BGN 80.2

$17.61 RSD 1,836

161.67%

Tennis Court (1 Hour on Weekend)

$27.92 BGN 48.58

Cinema Ticket

$10.18 BGN 17.72

$4.80 RSD 500

112.08%

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

$774 BGN 1,347

$170 RSD 17.7K

356.25%

International Primary School, 1 Child (Yearly)

$12.8K BGN 22.3K

$7,534 RSD 785.4K

69.95%

Jeans (Levis 501 Or Similar)

$89.9 BGN 157

$43.43 RSD 4,528

107.09%

Summer Dress (H&M, Zara, etc)

$41.29 BGN 71.8

$22.37 RSD 2,332

84.58%

Sport Shoes (Adidas, Nike)

$105 BGN 183

$92.0 RSD 9,594

14.23%

Men's Leather Business Shoes

$107 BGN 186

$52.4 RSD 5,461

103.68%

1-bedroom Apartment, City Center (Monthly)

$783 BGN 1,362

$290 RSD 30.2K

169.81%

1-bedroom Apartment, Outside City Center (Monthly)

$597 BGN 1,038

$214 RSD 22.3K

178.46%

3-bedroom Apartment, City Center (Monthly)

$1,516 BGN 2,638

$462 RSD 48.2K

228.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,030 BGN 1,792

$367 RSD 38.3K

180.64%

Buy Apartment in City Center (m2)

$4,350 BGN 7,568

$1,463 RSD 152.6K

197.20%

Buy Apartment Outside City Center (m2)

$3,177 BGN 5,528

$1,571 RSD 163.8K

102.22%

Average Monthly Net Salary (After Tax)

$1,735 BGN 3,019

$527 RSD 54.9K

229.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.89

4.79

-39.67%

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

Last update for Sofia: October 13, 2026

Last update for Loznica: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Sofia

$597 37.4%

Loznica

$214 28% 64.1% $382

Groceries & Markets

Sofia

$290 18.2%

Loznica

$165 21.5% 43.4% $126

Eating Out

Sofia

$255 16%

Loznica

$112 14.7% 56% $143

Monthly Utilities & Internet

Sofia

$193 12.1%

Loznica

$141 18.4% 27% $52

Clothing & Footwear

Sofia

$154 9.7%

Loznica

$95 12.4% 38.7% $60

Sport & Entertainment

Sofia

$66 4.2%

Loznica

$27 3.6% 59.1% $39

Getting Around

Sofia

$38 2.4%

Loznica

$11 * 1.5% 70.8% $27

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $783 in Sofia versus $290 in Loznica. 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 229% higher in Sofia, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $66.0 in Sofia versus $33.00 in Loznica. Monthly groceries follow the same trend: $290 vs $165 – making Loznica the more affordable choice for daily food spending.

Good to know

🇧🇬 Sofia

🇷🇸 Loznica

🕒 Local time

00:25 12:25 AM

23:25 11:25 PM

1 h behind Sofia

🌤 Weather

👥 Population

1,286,383 Capital

19,515

💱 Currency

Bulgarian Lev BGN лв.

Serbian Dinar RSD din

📈 Exchange rate

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

1,000 RSD = 9.59 USD

1,000 RSD = 8.53 EUR

Exchange rates and currency converter

RSD, USD, EUR to BGN – Bulgarian Lev Converter

🇺🇸 United States Dollar ($)

🇧🇬 Bulgarian Lev (лв.)

Bulgarian Lev exchange rates as of October 17, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

Serbian Dinar exchange rates as of October 17, 2026: 1 USD = 104 RSD (1,000 RSD = 9.59 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

USD to BGN in detail →

On the map

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Sofia Loznica 390 km

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Sofia
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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

Sofia vs Loznica: Cost of Living - Frequently Asked Questions

Sofia costs about 108% more than Loznica, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,391 per month in Sofia and $1,147 in Loznica. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Loznica, 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 $1,594 in Sofia and $765 in Loznica. That's a gap of about 108%.

Kindergarten costs $774 per month in Sofia and $170 in Loznica. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Loznica, where all-in costs run around $765, than in Sofia at $1,594. In Loznica it covers expenses comfortably, while in Sofia it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Loznica costs $765 versus $1,594 in Sofia. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Loznica. If higher salaries, better infrastructure, or specific career opportunities are the priority, Sofia makes more sense. Both are solid long-term options with distinct trade-offs.