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 $1,392 per month in Ubud, Bali vs $825 in Kyustendil, rent included.

A couple spends around $2,557 per month in Ubud, Bali vs $1,267 in Kyustendil, rent included.

A family of three spends $3,723 per month in Ubud, Bali vs $1,708 in Kyustendil, rent included.

Ubud, Bali costs about 69% more than Kyustendil, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Kyustendil is 38% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$10.27 BGN 17.09

-65.24%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$36.07 BGN 60.0

-10.40%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$5.40 BGN 8.98

-7.22%

Cappuccino

$2.82 Rp 51.0K

$1.53 BGN 2.55

84.31%

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

$1.35 Rp 24.4K

$1.11 BGN 1.84

21.62%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.66 BGN 1.10

10.61%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.20 BGN 1.99

144.17%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$1.45 BGN 2.41

171.72%

Milk (1 liter)

$1.78 Rp 32.1K

$1.69 BGN 2.82

5.33%

White Bread (500g)

$2.45 Rp 44.2K

$0.74 BGN 1.23

231.08%

Rice (white) (1kg)

$1.15 Rp 20.7K

$2.34 BGN 3.89

-50.85%

Eggs

$2.41 Rp 43.6K

$3.45 BGN 5.75

-30.14%

Local Cheese (1kg)

$14.33 Rp 258.7K

$6.99 BGN 11.63

105.01%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$4.14 BGN 6.89

1.21%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$7.56 BGN 12.57

59.52%

Apples (1kg)

$3.64 Rp 65.7K

$0.75 BGN 1.25

385.33%

Banana (1kg)

$1.57 Rp 28.3K

$1.91 BGN 3.17

-17.80%

Oranges (1kg)

$2.79 Rp 50.3K

$1.15 BGN 1.92

142.61%

Tomato (1kg)

$2.24 Rp 40.5K

$1.63 BGN 2.71

37.42%

Potato (1kg)

$1.98 Rp 35.7K

$0.68 BGN 1.13

191.18%

Onion (1kg)

$2.28 Rp 41.1K

$0.56 BGN 0.93

307.14%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.60 BGN 1.00

75.00%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.65 BGN 1.07

21.54%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$3.52 BGN 5.86

-9.38%

Wine (Bottle)

$23.49 Rp 424.1K

$4.05 BGN 6.73

480.00%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$0.92 BGN 1.53

215.22%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$0.68 BGN 1.14

305.88%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.92 BGN 1.52

-70.65%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$26.52 BGN 44.13

-68.44%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$1.16 BGN 1.93

-61.21%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.65 BGN 1.09

-29.23%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$11.98 BGN 19.93

-49.33%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.57 BGN 2.62

-45.22%

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

$26.6K Rp 480.0M

$15.0K BGN 25.0K

76.92%

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

$32.5K Rp 587.6M

$13.7K BGN 22.8K

137.06%

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

$79.0 Rp 1.4M

$102 BGN 170

-22.86%

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

$4.09 Rp 73.9K

$17.47 BGN 29.06

-76.59%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$12.67 BGN 21.08

88.24%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$29.44 BGN 48.98

235.53%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$14.96 BGN 24.89

-57.55%

Cinema Ticket

$4.01 Rp 72.3K

$4.05 BGN 6.74

-0.99%

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

$297 Rp 5.4M

$120 BGN 199

148.38%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$5,386 BGN 8,960

22.58%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$35.51 BGN 59.1

50.46%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$29.70 BGN 49.41

28.32%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$61.5 BGN 102

44.26%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$47.18 BGN 78.5

62.40%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$291 BGN 484

250.32%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$231 BGN 384

194.54%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$473 BGN 786

634.12%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$350 BGN 583

496.62%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$1,352 BGN 2,250

101.80%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,102 BGN 1,834

108.23%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$647 BGN 1,077

-74.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.85

244.94%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Kyustendil: July 26, 2026

Cost Breakdown

A central one-bedroom costs $1,020 in Ubud, Bali versus $291 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 295% 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 $32.00 in Ubud, Bali versus $36.00 in Kyustendil. Groceries tell a different story – $298 in Ubud, Bali vs $167 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 69% 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 $2,088 per month in Ubud, Bali and $1,238 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 78% 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 $32.00 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 $825, than in Ubud, Bali at $1,392. 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 $825 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 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.