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 $1,392 per month in Ubud, Bali vs $716 in Kardzhali, rent included.

A couple spends around $2,557 per month in Ubud, Bali vs $1,167 in Kardzhali, rent included.

A family of three spends $3,723 per month in Ubud, Bali vs $1,619 in Kardzhali, rent included.

Ubud, Bali costs about 95% more than Kardzhali, driven mainly by Sport & Entertainment.

Ubud, Bali sits 5% 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 64.5K

$8.62 BGN 14.34

-58.58%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$26.60 BGN 44.25

21.50%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$8.63 BGN 14.35

-41.95%

Cappuccino

$2.82 Rp 51.0K

$1.20 BGN 1.99

135.00%

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

$1.35 Rp 24.4K

$0.85 BGN 1.41

58.82%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$1.45 BGN 2.41

-49.66%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.69 BGN 2.81

73.37%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$1.28 BGN 2.12

207.81%

Milk (1 liter)

$1.78 Rp 32.1K

$1.81 BGN 3.00

-1.66%

White Bread (500g)

$2.45 Rp 44.2K

$0.76 BGN 1.27

222.37%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.79 BGN 2.97

-35.75%

Eggs

$2.41 Rp 43.6K

$3.13 BGN 5.22

-23.00%

Local Cheese (1kg)

$14.33 Rp 258.7K

$12.46 BGN 20.73

15.01%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$8.66 BGN 14.41

-51.62%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$13.24 BGN 22.02

-8.91%

Apples (1kg)

$3.64 Rp 65.7K

$1.83 BGN 3.05

98.91%

Banana (1kg)

$1.57 Rp 28.3K

$1.90 BGN 3.15

-17.37%

Oranges (1kg)

$2.79 Rp 50.3K

$2.00 BGN 3.33

39.50%

Tomato (1kg)

$2.24 Rp 40.5K

$2.16 BGN 3.59

3.70%

Potato (1kg)

$1.98 Rp 35.7K

$0.89 BGN 1.48

122.47%

Onion (1kg)

$2.28 Rp 41.1K

$1.02 BGN 1.69

123.53%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.90 BGN 1.49

16.67%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.72 BGN 1.20

9.72%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$3.86 BGN 6.43

-17.36%

Wine (Bottle)

$23.49 Rp 424.1K

$4.67 BGN 7.77

403.00%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$1.04 BGN 1.74

178.85%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.80 BGN 2.99

53.33%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.28 BGN 0.46

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$8.63 BGN 14.35

-3.01%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$1.04 BGN 1.72

-56.73%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.68 BGN 1.13

-32.35%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$14.29 BGN 23.77

-57.52%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.53 BGN 2.55

-43.79%

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

$26.6K Rp 480.0M

$32.3K BGN 53.8K

-17.78%

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

$32.5K Rp 587.6M

$29.1K BGN 48.4K

11.97%

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

$79.0 Rp 1.4M

$62.3 BGN 104

26.94%

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

$4.09 Rp 73.9K

$17.87 BGN 29.73

-77.11%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$5.91 BGN 9.83

303.55%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$29.08 BGN 48.38

239.68%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$14.74 BGN 24.52

-56.92%

Cinema Ticket

$4.01 Rp 72.3K

$9.66 BGN 16.06

-58.49%

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

$297 Rp 5.4M

$639 BGN 1,063

-53.46%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$9,291 BGN 15.5K

-28.94%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$29.63 BGN 49.29

80.32%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$17.61 BGN 29.29

116.41%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$47.63 BGN 79.2

86.12%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$88.8 BGN 148

-13.76%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$116 BGN 192

781.37%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$119 BGN 199

469.64%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$239 BGN 397

1353.03%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$208 BGN 347

903.25%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$1,144 BGN 1,903

138.53%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$855 BGN 1,423

168.43%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,289 BGN 2,145

-87.30%

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: July 28, 2026

Last update for Kardzhali: July 27, 2026

Cost Breakdown

A central one-bedroom costs $1,020 in Ubud, Bali versus $116 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 688% 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 $32.00 in Ubud, Bali versus $27.00 in Kardzhali. Monthly groceries follow the same trend: $298 vs $240 – 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 Sport & Entertainment. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,088 per month in Ubud, Bali and $1,073 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 $1,392 in Ubud, Bali and $716 in Kardzhali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 3% 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 $716, than in Ubud, Bali at $1,392. 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 $716 versus $1,392 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.