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

Monthly Cost of Living

A single person spends $1,404 per month in Ubud, Bali vs $791 in Karlovo, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $1,254 in Karlovo, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $1,716 in Karlovo, rent included.

Ubud, Bali costs about 77% more than Karlovo, driven mainly by Groceries & Markets.

Ubud, Bali sits 4% above the global median, while Karlovo is 41% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$7.28 BGN 12.12

-50.96%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$34.97 BGN 58.2

-7.06%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.69 BGN 14.46

-44.07%

Cappuccino

$2.75 Rp 49.2K

$1.44 BGN 2.39

90.97%

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

$1.32 Rp 23.7K

$1.08 BGN 1.79

22.22%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.66 BGN 1.10

6.06%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$2.08 BGN 3.47

39.90%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$1.75 BGN 2.90

116.57%

Milk (1 liter)

$1.71 Rp 30.6K

$1.15 BGN 1.91

48.70%

White Bread (500g)

$2.47 Rp 44.3K

$0.90 BGN 1.50

174.44%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.86 BGN 3.09

-35.48%

Eggs

$2.44 Rp 43.8K

$3.29 BGN 5.48

-25.84%

Local Cheese (1kg)

$14.38 Rp 257.7K

$9.20 BGN 15.31

56.30%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$7.89 BGN 13.12

-45.37%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$6.06 BGN 10.09

101.49%

Apples (1kg)

$3.68 Rp 66.0K

$1.33 BGN 2.22

176.69%

Banana (1kg)

$1.55 Rp 27.8K

$2.07 BGN 3.44

-25.12%

Oranges (1kg)

$2.79 Rp 49.9K

$2.05 BGN 3.41

36.10%

Tomato (1kg)

$2.33 Rp 41.8K

$2.18 BGN 3.63

6.88%

Potato (1kg)

$1.97 Rp 35.3K

$0.46 BGN 0.76

328.26%

Onion (1kg)

$2.31 Rp 41.4K

$0.85 BGN 1.42

171.76%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.01 BGN 1.69

4.95%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.75 BGN 1.24

-2.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$3.48 BGN 5.78

-5.75%

Wine (Bottle)

$22.79 Rp 408.4K

$6.40 BGN 10.65

256.09%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.02 BGN 1.69

175.49%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.76 BGN 2.92

57.95%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$1.17 BGN 1.94

-75.21%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$26.65 BGN 44.34

-69.76%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.20 BGN 2.00

-62.50%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.68 BGN 1.12

-33.82%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$13.03 BGN 21.67

-52.11%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.49 BGN 2.47

-42.95%

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

$26.0K Rp 465.4M

$32.5K BGN 54.1K

-20.13%

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

$31.7K Rp 567.2M

$25.7K BGN 42.7K

23.34%

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

$80.8 Rp 1.4M

$94.8 BGN 158

-14.82%

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

$4.06 Rp 72.7K

$16.31 BGN 27.13

-75.11%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$12.80 BGN 21.30

90.78%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$29.67 BGN 49.36

229.19%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$14.63 BGN 24.34

-55.91%

Cinema Ticket

$4.04 Rp 72.4K

$5.94 BGN 9.87

-31.99%

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

$304 Rp 5.4M

$232 BGN 385

31.29%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$4,128 BGN 6,867

60.41%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$30.03 BGN 49.95

80.59%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$11.63 BGN 19.35

233.45%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$59.6 BGN 99.1

44.55%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$48.09 BGN 80.0

59.43%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$292 BGN 486

237.36%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$192 BGN 319

243.06%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$466 BGN 776

622.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$356 BGN 592

480.78%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$1,544 BGN 2,569

77.54%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$1,276 BGN 2,122

74.62%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$467 BGN 777

-65.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

4.57

190.59%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Karlovo: June 7, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $292 in Karlovo. 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 186% higher in Karlovo, 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 $35.00 in Karlovo. Groceries tell a different story – $297 in Ubud, Bali vs $202 in Karlovo – so Karlovo wins on supermarket bills even if dining out costs more.

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 Karlovo: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 77%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,106 per month in Ubud, Bali and $1,187 in Karlovo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Karlovo, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 231% less in Karlovo. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $304 per month in Ubud, Bali and $232 in Karlovo. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Karlovo, where all-in costs run around $791, than in Ubud, Bali at $1,404. In Karlovo it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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

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 Karlovo. 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.