Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Kyustendil

For one person, living is cheaper in Kyustendil: $803 a month against $1,331 in Ubud, Bali, rent and utilities included – about $6,300 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
39

Cost of Living Index in Kyustendil
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Kyustendil Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Kyustendil

🇧🇬 Bulgaria

$803

/mo nomad

Monthly Cost of Living

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

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 Kyustendil actually costs, broken down by who's living it.

A single person spends $1,331 per month in Ubud, Bali vs $803 in Kyustendil, rent included.

Ubud, Bali $1,331
Kyustendil $803

A couple spends around $2,255 per month in Ubud, Bali vs $1,233 in Kyustendil, rent included.

Ubud, Bali $2,255
Kyustendil $1,233

A family of three spends $3,180 per month in Ubud, Bali vs $1,662 in Kyustendil, rent included.

Ubud, Bali $3,180
Kyustendil $1,662

Ubud, Bali costs about 66% more than Kyustendil, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Kyustendil are more affordable than the global median – Ubud, Bali 2% lower, Kyustendil 41% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$10.33 BGN 18.08

-67.28%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.8K

$34.35 BGN 60.1

0.87%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$5.03 BGN 8.81

10.74%

Cappuccino

$2.62 Rp 47.5K

$1.46 BGN 2.55

79.45%

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

$1.54 Rp 27.9K

$1.07 BGN 1.88

43.93%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.66 BGN 1.15

-3.03%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.12 BGN 1.96

138.39%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$1.46 BGN 2.55

191.78%

Milk (1 liter)

$1.46 Rp 26.5K

$1.63 BGN 2.85

-10.43%

White Bread (500g)

$2.29 Rp 41.6K

$0.66 BGN 1.16

246.97%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.50 BGN 2.63

-26.00%

Eggs

$2.10 Rp 38.1K

$2.35 BGN 4.12

-10.64%

Local Cheese (1kg)

$15.94 Rp 289.3K

$6.84 BGN 11.97

133.04%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$4.09 BGN 7.15

-5.13%

Beef Round Steak (1kg)

$11.40 Rp 206.9K

$7.22 BGN 12.63

57.89%

Apples (1kg)

$3.55 Rp 64.5K

$0.76 BGN 1.33

367.11%

Banana (1kg)

$1.54 Rp 27.9K

$1.63 BGN 2.85

-5.52%

Oranges (1kg)

$2.23 Rp 40.5K

$1.17 BGN 2.05

90.60%

Tomato (1kg)

$1.97 Rp 35.8K

$1.62 BGN 2.84

21.60%

Potato (1kg)

$1.86 Rp 33.7K

$0.60 BGN 1.05

210.00%

Onion (1kg)

$2.42 Rp 43.9K

$0.55 BGN 0.96

340.00%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.54 BGN 0.95

88.89%

Water (1.5 liter bottle)

$0.52 Rp 9,479

$0.58 BGN 1.01

-10.34%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$3.49 BGN 6.11

-36.96%

Wine (Bottle)

$21.79 Rp 395.4K

$4.02 BGN 7.03

442.04%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$0.87 BGN 1.52

167.82%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$0.70 BGN 1.23

324.29%

One-way Ticket (Public Transport)

$0.25 Rp 4,544

$0.83 BGN 1.45

-69.88%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$25.19 BGN 44.08

-67.57%

Taxi Start (Normal Tariff)

$0.44 Rp 7,944

$1.29 BGN 2.25

-65.89%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,493

$0.61 BGN 1.07

-22.95%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$11.57 BGN 20.24

-51.60%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.61 BGN 2.82

-48.45%

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

$24.4K Rp 443.7M

$14.6K BGN 25.5K

68.00%

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

$31.7K Rp 575.2M

$13.4K BGN 23.4K

137.02%

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

$77.5 Rp 1.4M

$94.3 BGN 165

-17.85%

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

$6.14 Rp 111.5K

$14.81 BGN 25.93

-58.54%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.3K

$12.40 BGN 21.70

52.58%

Gym Membership (Monthly)

$51.0 Rp 925.4K

$32.38 BGN 56.7

57.47%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.2K

$16.83 BGN 29.45

8.44%

Cinema Ticket

$4.38 Rp 79.5K

$4.09 BGN 7.16

7.09%

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

$492 Rp 8.9M

$115 BGN 201

328.41%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.8M

$2,260 BGN 3,955

440.73%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.6K

$30.87 BGN 54.0

46.29%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.2K

$18.93 BGN 33.13

84.31%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$58.8 BGN 103

33.11%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$44.98 BGN 78.7

73.12%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$326 BGN 571

230.52%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$255 BGN 446

160.60%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$546 BGN 955

542.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$404 BGN 706

314.07%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$1,323 BGN 2,316

76.85%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,112 BGN 1,946

101.06%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$655 BGN 1,145

-74.59%

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: November 1, 2026

Last update for Kyustendil: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Kyustendil

$255 31.8% 61.6% $410

Groceries & Markets

Ubud, Bali

$279 21%

Kyustendil

$153 19.1% 45.2% $126

Clothing & Footwear

Ubud, Bali

$106 8%

Kyustendil

$69 8.6% 35% $37

Eating Out

Ubud, Bali

$106 8%

Kyustendil

$131 16.3% 23.6% $25

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Kyustendil

$122 15.1% 18.5% $19

Sport & Entertainment

Ubud, Bali

$60 4.5%

Kyustendil

$41 5.1% 32.1% $19

Getting Around

Ubud, Bali

$12 0.9%

Kyustendil

$33 4.1% 175% $21

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $326 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 in Kyustendil are about 3.9 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 $35 in Ubud, Bali versus $34 in Kyustendil. Monthly groceries follow the same trend: $279 vs $153 – making Kyustendil the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Kyustendil

🕒 Local time

21:49 9:49 PM

15:49 3:49 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

47,640

💱 Currency

Indonesian Rupiah IDR Rp

Bulgarian Lev BGN лв.

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

1 BGN = 0.571 USD

1 BGN = 0.51 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 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,345 IDR (100,000 IDR = 4.92 EUR).

Bulgarian Lev exchange rates as of November 4, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.96 BGN (1 BGN = 0.51 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kyustendil 10,850 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kyustendil

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 Kyustendil: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 66% more than Kyustendil, 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 $1,996 per month in Ubud, Bali and $1,205 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: a one-bedroom in the center costs $326 there versus $1,078 in Ubud, Bali.

Groceries cost about 82% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $35 in Ubud, Bali and $34 in Kyustendil. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$800 is a stretch for both – monthly costs hit $1,331 in Ubud, Bali and $803 in Kyustendil. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Kyustendil – 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.