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 $1,404 per month in Ubud, Bali vs $718 in Kardzhali, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $1,153 in Kardzhali, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $1,588 in Kardzhali, rent included.

Ubud, Bali costs about 95% more than Kardzhali, driven mainly by Groceries & Markets.

Ubud, Bali sits 4% above the global median, while Kardzhali is 47% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$8.61 BGN 14.32

-58.54%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$26.23 BGN 43.63

23.90%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.98 BGN 14.95

-45.88%

Cappuccino

$2.75 Rp 49.2K

$1.20 BGN 1.99

129.17%

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

$1.32 Rp 23.7K

$0.85 BGN 1.42

55.29%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$1.39 BGN 2.32

-49.64%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$1.62 BGN 2.69

79.63%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$1.32 BGN 2.20

187.12%

Milk (1 liter)

$1.71 Rp 30.6K

$1.80 BGN 2.99

-5.00%

White Bread (500g)

$2.47 Rp 44.3K

$0.84 BGN 1.39

194.05%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.80 BGN 2.99

-33.33%

Eggs

$2.44 Rp 43.8K

$3.19 BGN 5.30

-23.51%

Local Cheese (1kg)

$14.38 Rp 257.7K

$12.44 BGN 20.70

15.59%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$8.51 BGN 14.15

-49.35%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$12.92 BGN 21.50

-5.50%

Apples (1kg)

$3.68 Rp 66.0K

$1.85 BGN 3.07

98.92%

Banana (1kg)

$1.55 Rp 27.8K

$1.88 BGN 3.13

-17.55%

Oranges (1kg)

$2.79 Rp 49.9K

$2.03 BGN 3.37

37.44%

Tomato (1kg)

$2.33 Rp 41.8K

$2.20 BGN 3.66

5.91%

Potato (1kg)

$1.97 Rp 35.3K

$0.90 BGN 1.50

118.89%

Onion (1kg)

$2.31 Rp 41.4K

$1.04 BGN 1.73

122.12%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.87 BGN 1.45

21.84%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.72 BGN 1.19

1.39%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$3.90 BGN 6.49

-15.90%

Wine (Bottle)

$22.79 Rp 408.4K

$4.62 BGN 7.69

393.29%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.06 BGN 1.76

165.09%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.74 BGN 2.89

59.77%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.28 BGN 0.46

3.57%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$8.71 BGN 14.50

-7.46%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.09 BGN 1.81

-58.72%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.68 BGN 1.13

-33.82%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$14.09 BGN 23.45

-55.71%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.55 BGN 2.57

-45.16%

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

$26.0K Rp 465.4M

$32.7K BGN 54.3K

-20.48%

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

$31.7K Rp 567.2M

$28.8K BGN 47.9K

10.04%

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

$80.8 Rp 1.4M

$61.2 BGN 102

31.86%

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

$4.06 Rp 72.7K

$17.92 BGN 29.81

-77.34%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$5.95 BGN 9.89

310.42%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$29.55 BGN 49.17

230.52%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$14.90 BGN 24.79

-56.71%

Cinema Ticket

$4.04 Rp 72.4K

$9.58 BGN 15.95

-57.83%

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

$304 Rp 5.4M

$619 BGN 1,031

-50.92%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$9,147 BGN 15.2K

-27.61%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$29.54 BGN 49.14

83.58%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$17.90 BGN 29.77

116.65%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$47.04 BGN 78.3

83.12%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$89.3 BGN 149

-14.11%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$117 BGN 195

741.46%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$117 BGN 194

464.67%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$234 BGN 390

1338.90%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$210 BGN 350

882.19%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$1,181 BGN 1,964

132.23%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$887 BGN 1,475

151.18%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$1,326 BGN 2,207

-87.68%

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: June 9, 2026

Last update for Kardzhali: June 7, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $117 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 712% 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 $26.00 in Kardzhali. Monthly groceries follow the same trend: $297 vs $239 – 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 95% 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 $2,106 per month in Ubud, Bali and $1,078 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 $1,404 in Ubud, Bali and $718 in Kardzhali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 8% 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 $718, than in Ubud, Bali at $1,404. 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 $718 versus $1,404 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.