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

Monthly Cost of Living

A single person spends $1,368 per month in Ubud, Bali vs $827 in Kyustendil, rent included.

A couple spends around $2,348 per month in Ubud, Bali vs $1,254 in Kyustendil, rent included.

A family of three spends $3,327 per month in Ubud, Bali vs $1,681 in Kyustendil, rent included.

Ubud, Bali costs about 65% more than Kyustendil, driven mainly by Groceries & Markets.

Ubud, Bali sits 0% above the global median, while Kyustendil is 40% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$10.45 BGN 17.38

-67.08%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.0K

$35.84 BGN 59.6

1.31%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$5.29 BGN 8.80

7.94%

Cappuccino

$2.67 Rp 47.4K

$1.55 BGN 2.59

72.26%

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

$1.75 Rp 31.0K

$1.17 BGN 1.95

49.57%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$0.63 BGN 1.05

38.10%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$1.16 BGN 1.92

154.31%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.1K

$1.45 BGN 2.41

211.72%

Milk (1 liter)

$1.62 Rp 28.7K

$1.73 BGN 2.88

-6.36%

White Bread (500g)

$2.33 Rp 41.3K

$0.70 BGN 1.16

232.86%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.56 BGN 2.60

-28.85%

Eggs

$2.20 Rp 39.0K

$2.33 BGN 3.87

-5.58%

Local Cheese (1kg)

$17.69 Rp 313.8K

$7.25 BGN 12.06

144.00%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$4.07 BGN 6.77

0.74%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$7.53 BGN 12.53

61.75%

Apples (1kg)

$3.71 Rp 65.7K

$0.81 BGN 1.34

358.02%

Banana (1kg)

$1.59 Rp 28.2K

$1.73 BGN 2.88

-8.09%

Oranges (1kg)

$2.28 Rp 40.5K

$1.15 BGN 1.91

98.26%

Tomato (1kg)

$1.95 Rp 34.6K

$1.68 BGN 2.80

16.07%

Potato (1kg)

$1.91 Rp 33.8K

$0.63 BGN 1.05

203.17%

Onion (1kg)

$2.33 Rp 41.3K

$0.60 BGN 1.00

288.33%

Lettuce (1 head)

$1.01 Rp 17.9K

$0.60 BGN 1.01

68.33%

Water (1.5 liter bottle)

$0.55 Rp 9,788

$0.60 BGN 1.01

-8.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$3.48 BGN 5.79

-35.92%

Wine (Bottle)

$23.07 Rp 409.2K

$4.12 BGN 6.85

459.95%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$0.90 BGN 1.50

168.89%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$0.69 BGN 1.15

334.78%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

$0.85 BGN 1.42

-68.24%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.3K

$24.82 BGN 41.29

-63.82%

Taxi Start (Normal Tariff)

$0.48 Rp 8,580

$1.33 BGN 2.22

-63.91%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,691

$0.63 BGN 1.05

-31.75%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$11.62 BGN 19.33

-51.46%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.63 BGN 2.71

-50.92%

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

$24.9K Rp 442.4M

$14.7K BGN 24.5K

69.41%

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

$31.7K Rp 562.4M

$13.5K BGN 22.5K

134.44%

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

$81.5 Rp 1.4M

$95.9 BGN 159

-15.01%

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

$6.49 Rp 115.2K

$15.16 BGN 25.23

-57.19%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.9K

$12.34 BGN 20.53

52.11%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$31.44 BGN 52.3

80.88%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.2K

$17.34 BGN 28.85

8.02%

Cinema Ticket

$4.54 Rp 80.5K

$4.17 BGN 6.94

8.87%

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

$481 Rp 8.5M

$120 BGN 199

300.83%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$2,375 BGN 3,950

140.52%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.3K

$31.94 BGN 53.1

42.52%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.4K

$20.13 BGN 33.49

78.24%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$61.1 BGN 102

31.55%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$47.34 BGN 78.8

66.18%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$349 BGN 581

219.11%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$261 BGN 434

167.50%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$553 BGN 920

557.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$407 BGN 677

326.79%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$1,371 BGN 2,281

103.06%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$1,119 BGN 1,861

104.71%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$655 BGN 1,090

-74.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.99

360.87%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Kyustendil: September 13, 2026

Cost Breakdown

A central one-bedroom costs $1,115 in Ubud, Bali versus $349 in Kyustendil. 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 290% higher in Kyustendil, 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 $36.00 in Kyustendil. Groceries tell a different story – $295 in Ubud, Bali vs $159 in Kyustendil – so Kyustendil 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 Kyustendil: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 65% more than Kyustendil, 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 $1,240 in Kyustendil. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 86% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $36.00 in Ubud, Bali and $36.00 in Kyustendil. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Kyustendil, where all-in costs run around $827, than in Ubud, Bali at $1,368. In Kyustendil 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. Kyustendil costs $827 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 Kyustendil. 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.