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

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $1,035 in Lovech.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,593 in Lovech.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $2,151 in Lovech.

Living in Ubud, Bali is roughly 39% more expensive than Lovech, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Ubud, Bali is 7% above, Lovech is 23% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$11.82 BGN 19.74

-69.80%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$34.75 BGN 58.0

-6.24%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$8.72 BGN 14.56

-41.86%

Cappuccino

$2.83 Rp 49.0K

$0.85 BGN 1.41

232.94%

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

$1.34 Rp 23.2K

$0.69 BGN 1.14

94.20%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.48 BGN 0.81

43.75%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.07 BGN 1.79

179.44%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$2.02 BGN 3.38

90.59%

Milk (1 liter)

$1.74 Rp 30.2K

$1.94 BGN 3.25

-10.31%

White Bread (500g)

$2.54 Rp 44.0K

$1.22 BGN 2.04

108.20%

Rice (white) (1kg)

$1.19 Rp 20.6K

$2.05 BGN 3.42

-41.95%

Eggs

$2.43 Rp 42.0K

$3.97 BGN 6.63

-38.79%

Local Cheese (1kg)

$14.66 Rp 254.1K

$12.22 BGN 20.40

19.97%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$8.66 BGN 14.47

-51.73%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$13.00 BGN 21.71

-8.15%

Apples (1kg)

$3.69 Rp 63.9K

$1.83 BGN 3.05

101.64%

Banana (1kg)

$1.61 Rp 27.8K

$1.98 BGN 3.31

-18.69%

Oranges (1kg)

$2.69 Rp 46.5K

$2.02 BGN 3.37

33.17%

Tomato (1kg)

$2.33 Rp 40.4K

$2.84 BGN 4.74

-17.96%

Potato (1kg)

$1.91 Rp 33.0K

$1.15 BGN 1.92

66.09%

Onion (1kg)

$2.19 Rp 37.9K

$1.00 BGN 1.67

119.00%

Lettuce (1 head)

$1.06 Rp 18.3K

$1.21 BGN 2.02

-12.40%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.67 BGN 1.12

7.46%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.91 BGN 6.53

-19.95%

Wine (Bottle)

$23.49 Rp 407.1K

$6.04 BGN 10.09

288.91%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.05 BGN 1.76

160.95%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.73 BGN 2.89

66.47%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.85 BGN 1.42

-65.88%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$26.68 BGN 44.55

-69.38%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$1.48 BGN 2.48

-69.59%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.67 BGN 1.12

-37.31%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$14.17 BGN 23.67

-56.53%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.53 BGN 2.55

-45.10%

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

$26.2K Rp 454.9M

$32.0K BGN 53.5K

-18.06%

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

$32.5K Rp 562.9M

$28.4K BGN 47.5K

14.19%

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

$78.4 Rp 1.4M

$153 BGN 256

-48.75%

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

$3.95 Rp 68.5K

$18.36 BGN 30.67

-78.49%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$15.22 BGN 25.41

60.32%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$29.66 BGN 49.53

225.49%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$14.64 BGN 24.45

-56.63%

Cinema Ticket

$4.04 Rp 70.0K

$9.20 BGN 15.37

-56.09%

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

$303 Rp 5.2M

$623 BGN 1,041

-51.45%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$5,454 BGN 9,107

19.60%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$70.3 BGN 117

-23.38%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$36.72 BGN 61.3

3.43%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$107 BGN 179

-19.01%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$119 BGN 199

-33.78%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$292 BGN 488

246.72%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$230 BGN 385

192.65%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$467 BGN 780

625.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$354 BGN 591

492.84%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$1,400 BGN 2,338

113.22%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$1,112 BGN 1,857

110.42%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$659 BGN 1,100

-73.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.09

329.77%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Lovech: April 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $292 in Lovech. Housing cost is often the main lever when comparing two cities.

Lovech pays 281% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $35.00 in Lovech. Groceries flip the comparison at $298 vs $257, with Lovech cheaper for home cooking.

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 Lovech: Cost of Living - Frequently Asked Questions

Ubud, Bali and Lovech differ by about 39% in total monthly costs ($1,438 vs $1,035 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Lovech earns 281% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,012 in Ubud, Bali versus $292 in Lovech. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,438 per month in Ubud, Bali versus $1,035 in Lovech – a 39% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 227% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,035 in Lovech versus $1,438 in Ubud, Bali, a $2,000 budget is realistic in Lovech but tight or insufficient in Ubud, Bali. The gap between the two cities makes Lovech the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Lovech are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Lovech gentler on the wallet – expenses run 39% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.