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: $1,379 in Ubud, Bali versus $1,001 in Lovech.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $1,532 in Lovech.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $2,063 in Lovech.

Living in Ubud, Bali is roughly 38% more expensive than in Lovech, driven mainly by Eating Out.

The two cities straddle the global median: Ubud, Bali is 1% above, Lovech is 27% below.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$14.54 BGN 24.19

-77.24%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$35.69 BGN 59.4

9.50%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$9.05 BGN 15.05

-37.90%

Cappuccino

$2.64 Rp 46.9K

$0.92 BGN 1.53

186.96%

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

$1.58 Rp 28.2K

$0.73 BGN 1.21

116.44%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.48 BGN 0.80

47.92%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$1.09 BGN 1.82

150.46%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$2.04 BGN 3.40

111.76%

Milk (1 liter)

$1.54 Rp 27.4K

$1.68 BGN 2.80

-8.33%

White Bread (500g)

$2.30 Rp 40.8K

$1.00 BGN 1.66

130.00%

Rice (white) (1kg)

$1.03 Rp 18.3K

$2.10 BGN 3.49

-50.95%

Eggs

$2.12 Rp 37.7K

$3.46 BGN 5.76

-38.73%

Local Cheese (1kg)

$17.30 Rp 307.5K

$9.44 BGN 15.71

83.26%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$8.17 BGN 13.59

-50.67%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$11.52 BGN 19.17

7.81%

Apples (1kg)

$3.70 Rp 65.7K

$2.22 BGN 3.70

66.67%

Banana (1kg)

$1.62 Rp 28.7K

$2.03 BGN 3.37

-20.20%

Oranges (1kg)

$2.27 Rp 40.3K

$2.05 BGN 3.41

10.73%

Tomato (1kg)

$1.99 Rp 35.4K

$2.68 BGN 4.46

-25.75%

Potato (1kg)

$1.83 Rp 32.5K

$1.42 BGN 2.36

28.87%

Onion (1kg)

$2.25 Rp 40.1K

$1.38 BGN 2.29

63.04%

Lettuce (1 head)

$1.04 Rp 18.6K

$1.02 BGN 1.70

1.96%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.84 BGN 1.39

-33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$3.69 BGN 6.14

-39.84%

Wine (Bottle)

$23.22 Rp 412.7K

$7.24 BGN 12.05

220.72%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$1.04 BGN 1.73

129.81%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$1.91 BGN 3.17

50.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$0.94 BGN 1.56

-73.40%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

$26.71 BGN 44.44

-73.16%

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$1.80 BGN 3.00

-74.44%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$0.76 BGN 1.26

-39.47%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$12.50 BGN 20.80

-54.40%

Gasoline (1 liter)

$0.76 Rp 13.6K

$1.70 BGN 2.83

-55.29%

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

$24.6K Rp 436.7M

$31.5K BGN 52.4K

-21.92%

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

$31.0K Rp 551.5M

$23.3K BGN 38.7K

33.34%

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

$82.2 Rp 1.5M

$108 BGN 180

-24.14%

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

$6.33 Rp 112.5K

$14.87 BGN 24.73

-57.43%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$12.53 BGN 20.85

47.96%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$27.03 BGN 44.97

107.36%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

$15.68 BGN 26.08

17.41%

Cinema Ticket

$4.26 Rp 75.8K

$9.07 BGN 15.09

-53.03%

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

$489 Rp 8.7M

$233 BGN 388

109.89%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$6,014 BGN 10.0K

-3.68%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$59.8 BGN 99.5

-23.11%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$30.72 BGN 51.1

16.73%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$73.5 BGN 122

8.25%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$76.6 BGN 127

5.61%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$338 BGN 563

238.15%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$258 BGN 429

168.45%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$563 BGN 937

527.08%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$412 BGN 686

314.56%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$1,382 BGN 2,300

101.41%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$1,117 BGN 1,858

102.48%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$641 BGN 1,066

-73.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.25

324.00%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Lovech: August 17, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $338 in Lovech. Housing cost is often the main lever when comparing two cities.

Lovech pays 279% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $39.00 in Ubud, Bali vs $36.00 in Lovech for a mid-range dinner for two. Groceries echo the gap at $293 vs $242 per month, with Lovech cheaper across the board.

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 38% in total monthly costs ($1,379 vs $1,001 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 279% lower in Lovech. 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: $1,144 in Ubud, Bali versus $338 in Lovech. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,379 per month in Ubud, Bali versus $1,001 in Lovech – a 38% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 273% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,001 in Lovech versus $1,379 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 38% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.