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

Monthly Cost of Living

A single person spends $1,438 per month in Ubud, Bali vs $717 in Kardzhali, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $1,175 in Kardzhali, rent included.

A family of three spends $3,732 per month in Ubud, Bali vs $1,633 in Kardzhali, rent included.

Ubud, Bali costs about 101% more than Kardzhali, driven mainly by Groceries & Markets.

Ubud, Bali sits 7% above the global median, while Kardzhali is 46% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$9.09 BGN 15.19

-60.73%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$26.92 BGN 44.96

21.03%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$9.02 BGN 15.06

-43.79%

Cappuccino

$2.83 Rp 49.0K

$1.16 BGN 1.93

143.97%

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

$1.34 Rp 23.2K

$0.86 BGN 1.44

55.81%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$1.47 BGN 2.45

-53.06%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.66 BGN 2.78

80.12%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$1.32 BGN 2.21

191.67%

Milk (1 liter)

$1.74 Rp 30.2K

$1.81 BGN 3.02

-3.87%

White Bread (500g)

$2.54 Rp 44.0K

$0.83 BGN 1.39

206.02%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.81 BGN 3.02

-34.25%

Eggs

$2.43 Rp 42.0K

$3.15 BGN 5.25

-22.86%

Local Cheese (1kg)

$14.66 Rp 254.1K

$12.44 BGN 20.78

17.85%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$8.74 BGN 14.60

-52.17%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$13.27 BGN 22.16

-10.02%

Apples (1kg)

$3.69 Rp 63.9K

$1.83 BGN 3.05

101.64%

Banana (1kg)

$1.61 Rp 27.8K

$1.89 BGN 3.15

-14.81%

Oranges (1kg)

$2.69 Rp 46.5K

$1.94 BGN 3.23

38.66%

Tomato (1kg)

$2.33 Rp 40.4K

$2.15 BGN 3.60

8.37%

Potato (1kg)

$1.91 Rp 33.0K

$0.88 BGN 1.47

117.05%

Onion (1kg)

$2.19 Rp 37.9K

$1.06 BGN 1.76

106.60%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.85 BGN 1.41

24.71%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.71 BGN 1.19

1.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.73 BGN 6.23

-16.09%

Wine (Bottle)

$23.49 Rp 407.1K

$4.63 BGN 7.73

407.34%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.10 BGN 1.84

149.09%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.77 BGN 2.95

62.71%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.30 BGN 0.51

-3.33%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$9.02 BGN 15.07

-9.42%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$1.05 BGN 1.75

-57.14%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.72 BGN 1.20

-41.67%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$13.96 BGN 23.32

-55.87%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.49 BGN 2.48

-43.62%

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

$26.2K Rp 454.9M

$32.3K BGN 54.0K

-18.80%

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

$32.5K Rp 562.9M

$29.3K BGN 49.0K

10.77%

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

$78.4 Rp 1.4M

$62.0 BGN 104

26.44%

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

$3.95 Rp 68.5K

$18.05 BGN 30.15

-78.12%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$5.99 BGN 10.01

307.35%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$29.68 BGN 49.56

225.27%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$15.01 BGN 25.06

-57.69%

Cinema Ticket

$4.04 Rp 70.0K

$9.24 BGN 15.43

-56.28%

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

$303 Rp 5.2M

$635 BGN 1,060

-52.31%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$9,240 BGN 15.4K

-29.41%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$29.92 BGN 49.96

79.95%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$17.56 BGN 29.33

116.29%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$46.39 BGN 77.5

87.02%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$90.0 BGN 150

-12.41%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$118 BGN 197

756.51%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$116 BGN 194

481.87%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$237 BGN 396

1330.05%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$205 BGN 343

922.67%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$1,207 BGN 2,015

147.35%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$875 BGN 1,461

167.36%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,341 BGN 2,240

-87.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.1

328.39%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Kardzhali: April 28, 2026

Cost Breakdown

A central one-bedroom costs $1,012 in Ubud, Bali versus $118 in Kardzhali. 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 675% higher in Kardzhali, 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 $33.00 in Ubud, Bali versus $27.00 in Kardzhali. Monthly groceries follow the same trend: $298 vs $241 – making Kardzhali 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

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

Ubud, Bali costs about 101% more than Kardzhali, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,158 per month in Ubud, Bali and $1,075 in Kardzhali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kardzhali, 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 $1,438 in Ubud, Bali and $717 in Kardzhali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 10% less in Kardzhali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Kardzhali, where all-in costs run around $717, than in Ubud, Bali at $1,438. In Kardzhali it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Kardzhali costs $717 versus $1,438 in Ubud, Bali. 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 Kardzhali. 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.