Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kardzhali

For one person, living is cheaper in Kardzhali: $651 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,400 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
32

Cost of Living Index in Kardzhali
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Kardzhali Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Kardzhali

🇧🇬 Bulgaria

$651

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Kardzhali

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

A single person spends $1,349 per month in Ubud, Bali vs $651 in Kardzhali, rent included.

Ubud, Bali $1,349
Kardzhali $651

A couple spends around $2,305 per month in Ubud, Bali vs $1,068 in Kardzhali, rent included.

Ubud, Bali $2,305
Kardzhali $1,068

A family of three spends $3,261 per month in Ubud, Bali vs $1,484 in Kardzhali, rent included.

Ubud, Bali $3,261
Kardzhali $1,484

Ubud, Bali costs about 107% more than Kardzhali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$11.02 BGN 19.28

-69.87%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$23.11 BGN 40.45

54.22%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$8.87 BGN 15.52

-37.66%

Cappuccino

$2.72 Rp 49.3K

$1.12 BGN 1.96

142.86%

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

$1.70 Rp 30.8K

$1.06 BGN 1.85

60.38%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.74 BGN 1.29

2.70%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.59 BGN 2.78

66.67%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$1.33 BGN 2.33

229.32%

Milk (1 liter)

$1.49 Rp 27.0K

$1.69 BGN 2.96

-11.83%

White Bread (500g)

$2.28 Rp 41.2K

$0.72 BGN 1.25

216.67%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.51 BGN 2.64

-21.19%

Eggs

$2.04 Rp 36.9K

$2.83 BGN 4.95

-27.92%

Local Cheese (1kg)

$17.70 Rp 320.8K

$10.21 BGN 17.87

73.36%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$5.53 BGN 9.68

-28.39%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$6.58 BGN 11.52

85.26%

Apples (1kg)

$3.66 Rp 66.2K

$0.84 BGN 1.47

335.71%

Banana (1kg)

$1.52 Rp 27.5K

$1.97 BGN 3.44

-22.84%

Oranges (1kg)

$2.23 Rp 40.4K

$1.87 BGN 3.28

19.25%

Tomato (1kg)

$1.97 Rp 35.7K

$2.20 BGN 3.85

-10.45%

Potato (1kg)

$1.85 Rp 33.5K

$0.69 BGN 1.21

168.12%

Onion (1kg)

$2.42 Rp 43.9K

$1.31 BGN 2.29

84.73%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.67 BGN 1.18

47.76%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.75 BGN 1.31

-32.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$3.56 BGN 6.23

-37.64%

Wine (Bottle)

$22.24 Rp 403.0K

$4.38 BGN 7.66

407.76%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.00 BGN 1.75

126.00%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.41 BGN 2.47

110.64%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$0.55 BGN 0.96

-54.55%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$11.11 BGN 19.44

-29.61%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$1.71 BGN 2.99

-74.27%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$0.71 BGN 1.23

-39.44%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$5.44 BGN 9.52

-0.55%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.62 BGN 2.84

-49.38%

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

$23.8K Rp 432.0M

$30.2K BGN 52.9K

-21.18%

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

$31.7K Rp 575.3M

$24.0K BGN 42.1K

32.02%

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

$79.1 Rp 1.4M

$61.4 BGN 107

28.76%

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

$6.45 Rp 116.8K

$5.56 BGN 9.73

16.01%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$7.88 BGN 13.80

135.79%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$22.90 BGN 40.08

116.07%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$8.76 BGN 15.33

-51.26%

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

$491 Rp 8.9M

$230 BGN 402

113.69%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$14.6K BGN 25.6K

-61.26%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$22.89 BGN 40.05

95.02%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$12.69 BGN 22.21

175.41%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$46.21 BGN 80.9

72.91%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$74.9 BGN 131

6.02%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$115 BGN 201

878.56%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$114 BGN 199

490.89%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$232 BGN 406

1436.57%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$274 BGN 479

530.02%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$1,141 BGN 1,997

139.33%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$855 BGN 1,497

167.09%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,287 BGN 2,251

-87.27%

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: October 25, 2026

Last update for Kardzhali: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Kardzhali

$114 17.5% 83.1% $558

Groceries & Markets

Ubud, Bali

$288 21.4%

Kardzhali

$187 28.7% 35.2% $102

Eating Out

Ubud, Bali

$108 8%

Kardzhali

$146 22.4% 35.6% $38

Clothing & Footwear

Ubud, Bali

$108 8%

Kardzhali

$71 10.8% 34.4% $37

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Kardzhali

$75 11.5% 28.1% $29

Sport & Entertainment

Ubud, Bali

$58 4.3%

Kardzhali

$40 6.2% 30.3% $18

Getting Around

Ubud, Bali

$11 0.9%

Kardzhali

$19 2.9% 62.3% $7.1

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $115 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 in Kardzhali are about 7.9 times higher, 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 in Ubud, Bali versus $23 in Kardzhali. Monthly groceries follow the same trend: $288 vs $187 – making Kardzhali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Kardzhali

🕒 Local time

16:13 4:13 PM

10:13 10:13 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

49,421

💱 Currency

Indonesian Rupiah IDR Rp

Bulgarian Lev BGN лв.

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.95 EUR

1 BGN = 0.571 USD

1 BGN = 0.512 EUR

Exchange rates and currency converter

BGN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,221 IDR (100,000 IDR = 4.95 EUR).

Bulgarian Lev exchange rates as of November 2, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.95 BGN (1 BGN = 0.512 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kardzhali 10,630 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kardzhali

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

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

Ubud, Bali costs about 107% more than Kardzhali, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $976 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: a one-bedroom in the center costs $115 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $651 in Kardzhali. That makes Kardzhali about 52% cheaper.

Public transport costs about 30% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $800 monthly budget goes further in Kardzhali, where all-in costs run around $651, than in Ubud, Bali at $1,349. In Kardzhali it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Kardzhali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.