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 $1,368 per month in Ubud, Bali vs $677 in Kardzhali, rent included.

A couple spends around $2,348 per month in Ubud, Bali vs $1,099 in Kardzhali, rent included.

A family of three spends $3,327 per month in Ubud, Bali vs $1,520 in Kardzhali, rent included.

Ubud, Bali costs about 102% more than Kardzhali, driven mainly by Groceries & Markets.

Ubud, Bali sits 0% above the global median, while Kardzhali is 50% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$11.65 BGN 19.38

-70.47%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$23.94 BGN 39.82

51.67%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$9.21 BGN 15.33

-38.00%

Cappuccino

$2.67 Rp 47.3K

$1.15 BGN 1.91

132.17%

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

$1.75 Rp 31.0K

$1.11 BGN 1.85

57.66%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.76 BGN 1.26

14.47%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$1.68 BGN 2.80

75.60%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$1.37 BGN 2.28

229.93%

Milk (1 liter)

$1.62 Rp 28.7K

$1.69 BGN 2.81

-4.14%

White Bread (500g)

$2.33 Rp 41.3K

$0.74 BGN 1.22

214.86%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.54 BGN 2.56

-27.92%

Eggs

$2.20 Rp 39.0K

$3.08 BGN 5.13

-28.57%

Local Cheese (1kg)

$17.69 Rp 313.3K

$9.14 BGN 15.20

93.54%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$5.80 BGN 9.65

-29.31%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$7.05 BGN 11.72

72.77%

Apples (1kg)

$3.71 Rp 65.6K

$0.87 BGN 1.44

326.44%

Banana (1kg)

$1.59 Rp 28.1K

$2.03 BGN 3.37

-21.67%

Oranges (1kg)

$2.28 Rp 40.4K

$1.93 BGN 3.21

18.13%

Tomato (1kg)

$1.95 Rp 34.6K

$2.30 BGN 3.82

-15.22%

Potato (1kg)

$1.91 Rp 33.7K

$0.70 BGN 1.17

172.86%

Onion (1kg)

$2.33 Rp 41.3K

$1.29 BGN 2.14

80.62%

Lettuce (1 head)

$1.01 Rp 17.8K

$0.70 BGN 1.17

44.29%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.83 BGN 1.39

-33.73%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.75 BGN 6.24

-40.53%

Wine (Bottle)

$23.07 Rp 408.6K

$4.63 BGN 7.71

398.27%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.04 BGN 1.74

132.69%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$1.48 BGN 2.47

102.70%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.56 BGN 0.93

-51.79%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$11.46 BGN 19.07

-21.64%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$1.81 BGN 3.01

-73.48%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.80 BGN 1.34

-46.25%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$5.80 BGN 9.65

-2.76%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.59 BGN 2.65

-49.69%

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

$24.9K Rp 441.7M

$30.6K BGN 51.0K

-18.56%

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

$31.7K Rp 561.5M

$23.3K BGN 38.8K

35.86%

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

$81.5 Rp 1.4M

$62.8 BGN 105

29.67%

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

$6.49 Rp 115.0K

$5.91 BGN 9.83

9.81%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$8.18 BGN 13.62

129.46%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$23.88 BGN 39.73

138.15%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

Cinema Ticket

$4.54 Rp 80.4K

$8.90 BGN 14.81

-48.99%

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

$481 Rp 8.5M

$233 BGN 387

106.38%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$15.0K BGN 25.0K

-61.94%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$23.50 BGN 39.09

93.70%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$12.94 BGN 21.53

177.28%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$47.12 BGN 78.4

70.61%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$75.4 BGN 125

4.34%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$119 BGN 197

839.34%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$119 BGN 197

488.63%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$236 BGN 392

1442.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$282 BGN 468

517.00%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$1,192 BGN 1,983

133.58%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$872 BGN 1,450

162.67%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$1,349 BGN 2,244

-87.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.25

324.00%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Kardzhali: September 14, 2026

Cost Breakdown

A central one-bedroom costs $1,115 in Ubud, Bali versus $119 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 703% 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 $36.00 in Ubud, Bali versus $24.00 in Kardzhali. Monthly groceries follow the same trend: $295 vs $191 – 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 102% 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 $2,052 per month in Ubud, Bali and $1,016 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 $1,368 in Ubud, Bali and $677 in Kardzhali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 28% 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 $677, than in Ubud, Bali at $1,368. 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 $677 versus $1,368 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.