Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Lovech

For one person, living is cheaper in Lovech: $974 a month against $1,368 in Ubud, Bali, rent and utilities included – about $4,700 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
47

Cost of Living Index in Lovech
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Lovech Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Lovech

🇧🇬 Bulgaria

$974

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $974 in Lovech.

Ubud, Bali $1,368
Lovech $974

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $1,507 in Lovech.

Ubud, Bali $2,314
Lovech $1,507

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $2,040 in Lovech.

Ubud, Bali $3,260
Lovech $2,040

Living in Ubud, Bali is roughly 40% more expensive than in Lovech, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 1% above, Lovech is 28% below.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$13.93 BGN 24.38

-76.09%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 629.5K

$34.09 BGN 59.7

3.20%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 103.9K

$8.81 BGN 15.42

-34.17%

Cappuccino

$2.73 Rp 48.8K

$0.83 BGN 1.45

228.92%

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

$1.64 Rp 29.4K

$0.71 BGN 1.24

130.99%

Water (0.33 liter bottle)

$0.83 Rp 14.9K

$0.48 BGN 0.83

72.92%

Local Beer (0.5 liter draught)

$2.70 Rp 48.3K

$1.01 BGN 1.76

167.33%

Imported Beer (0.33 liter bottle)

$4.30 Rp 76.9K

$2.03 BGN 3.55

111.82%

Milk (1 liter)

$1.50 Rp 26.9K

$1.71 BGN 2.99

-12.28%

White Bread (500g)

$2.30 Rp 41.1K

$0.96 BGN 1.68

139.58%

Rice (white) (1kg)

$1.18 Rp 21.1K

$2.09 BGN 3.66

-43.54%

Eggs

$2.14 Rp 38.4K

$3.41 BGN 5.97

-37.24%

Local Cheese (1kg)

$17.48 Rp 312.7K

$9.95 BGN 17.41

75.68%

Chicken Fillets (1kg)

$4.03 Rp 72.1K

$8.73 BGN 15.27

-53.84%

Beef Round Steak (1kg)

$12.23 Rp 218.8K

$11.43 BGN 20.00

7.00%

Apples (1kg)

$3.55 Rp 63.5K

$2.24 BGN 3.92

58.48%

Banana (1kg)

$1.57 Rp 28.1K

$2.02 BGN 3.54

-22.28%

Oranges (1kg)

$2.24 Rp 40.0K

$2.12 BGN 3.71

5.66%

Tomato (1kg)

$1.93 Rp 34.5K

$2.55 BGN 4.47

-24.31%

Potato (1kg)

$1.88 Rp 33.7K

$1.66 BGN 2.90

13.25%

Onion (1kg)

$2.29 Rp 41.0K

$1.50 BGN 2.63

52.67%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.97 BGN 1.70

2.06%

Water (1.5 liter bottle)

$0.53 Rp 9,420

$0.85 BGN 1.48

-37.65%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 40.9K

$3.63 BGN 6.34

-37.19%

Wine (Bottle)

$23.01 Rp 411.8K

$6.87 BGN 12.01

234.93%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.9K

$1.03 BGN 1.81

127.18%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.1K

$1.83 BGN 3.20

59.02%

One-way Ticket (Public Transport)

$0.24 Rp 4,290

$0.75 BGN 1.31

-68.00%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 157.8K

$24.69 BGN 43.20

-64.28%

Taxi Start (Normal Tariff)

$0.48 Rp 8,633

$1.68 BGN 2.94

-71.43%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,185

$0.75 BGN 1.32

-38.67%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.6K

$12.08 BGN 21.15

-54.88%

Gasoline (1 liter)

$0.88 Rp 15.8K

$1.66 BGN 2.91

-46.99%

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

$24.6K Rp 439.6M

$29.8K BGN 52.1K

-17.51%

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

$31.2K Rp 558.1M

$22.0K BGN 38.6K

41.57%

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

$83.0 Rp 1.5M

$101 BGN 177

-17.87%

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

$6.45 Rp 115.4K

$14.45 BGN 25.29

-55.36%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 332.2K

$11.92 BGN 20.85

55.79%

Gym Membership (Monthly)

$55.8 Rp 998.8K

$31.32 BGN 54.8

78.22%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.1K

$16.24 BGN 28.42

11.51%

Cinema Ticket

$4.38 Rp 78.4K

$8.66 BGN 15.16

-49.42%

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

$493 Rp 8.8M

$227 BGN 397

117.16%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.0M

$5,779 BGN 10.1K

-0.43%

Jeans (Levis 501 Or Similar)

$46.19 Rp 826.6K

$57.7 BGN 101

-19.96%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 632.3K

$28.99 BGN 50.7

21.87%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$70.9 BGN 124

11.58%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$73.5 BGN 129

6.62%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.4M

$328 BGN 575

247.92%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.1M

$254 BGN 444

166.28%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 62.7M

$539 BGN 943

550.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.4M

$397 BGN 695

328.28%

Buy Apartment in City Center (m2)

$2,784 Rp 49.8M

$1,320 BGN 2,311

110.85%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.1M

$1,062 BGN 1,858

111.04%

Average Monthly Net Salary (After Tax)

$165 Rp 2.9M

$626 BGN 1,096

-73.72%

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: October 11, 2026

Last update for Lovech: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Lovech

$254 26.1% 62.4% $422

Groceries & Markets

Ubud, Bali

$290 21.2%

Lovech

$246 25.2% 15.4% $45

Eating Out

Ubud, Bali

$109 8%

Lovech

$162 16.6% 48.6% $53

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Lovech

$127 13.1% 18% $19

Clothing & Footwear

Ubud, Bali

$108 7.9%

Lovech

$104 10.7% 3.3% $3.6

Sport & Entertainment

Ubud, Bali

$65 4.7%

Lovech

$49 5% 24.7% $16

Getting Around

Ubud, Bali

$13 0.9%

Lovech

$33 3.4% 164% $21

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $328 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: $35.00 in Ubud, Bali vs $34.00 in Lovech for a mid-range dinner for two. Groceries echo the gap at $290 vs $246 per month, with Lovech cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Lovech

🕒 Local time

05:11 5:11 AM

00:11 12:11 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

37,297

💱 Currency

Indonesian Rupiah IDR Rp

Bulgarian Lev BGN лв.

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 October 14, 2026: 1 USD = 17,895 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,035 IDR (100,000 IDR = 4.99 EUR).

Bulgarian Lev exchange rates as of October 14, 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

Lowest

Highest

Between locations

Ubud, Bali Lovech 10,700 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Lovech

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 Lovech: Cost of Living - Frequently Asked Questions

Ubud, Bali and Lovech differ by about 40% in total monthly costs ($1,368 vs $974 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 281% 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: $1,142 in Ubud, Bali versus $328 in Lovech. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,368 per month in Ubud, Bali versus $974 in Lovech – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 180% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $974 in Lovech versus $1,368 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 40% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.