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: $1,394 in Ubud, Bali versus $1,037 in Lovech.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $1,587 in Lovech.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $2,136 in Lovech.

Living in Ubud, Bali is roughly 34% more expensive than in Lovech, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Ubud, Bali is 5% above, Lovech is 22% below.

Meal at Budget Restaurant

$3.40 Rp 60.6K

$11.83 BGN 19.69

-71.26%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 577.1K

$35.97 BGN 59.8

-9.98%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 89.1K

$8.93 BGN 14.85

-44.01%

Cappuccino

$2.82 Rp 50.3K

$0.85 BGN 1.42

231.76%

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

$1.38 Rp 24.5K

$0.68 BGN 1.13

102.94%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.49 BGN 0.81

48.98%

Local Beer (0.5 liter draught)

$2.98 Rp 53.2K

$1.07 BGN 1.78

178.50%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.8K

$2.01 BGN 3.34

97.51%

Milk (1 liter)

$1.79 Rp 32.0K

$1.93 BGN 3.21

-7.25%

White Bread (500g)

$2.46 Rp 43.9K

$1.21 BGN 2.02

103.31%

Rice (white) (1kg)

$1.20 Rp 21.4K

$2.02 BGN 3.36

-40.59%

Eggs

$2.39 Rp 42.6K

$3.96 BGN 6.58

-39.65%

Local Cheese (1kg)

$14.40 Rp 256.6K

$12.55 BGN 20.88

14.74%

Chicken Fillets (1kg)

$4.28 Rp 76.4K

$8.57 BGN 14.26

-50.06%

Beef Round Steak (1kg)

$11.82 Rp 210.6K

$12.86 BGN 21.39

-8.09%

Apples (1kg)

$3.78 Rp 67.4K

$1.88 BGN 3.13

101.06%

Banana (1kg)

$1.63 Rp 29.1K

$1.96 BGN 3.26

-16.84%

Oranges (1kg)

$2.80 Rp 49.9K

$1.95 BGN 3.24

43.59%

Tomato (1kg)

$2.26 Rp 40.3K

$2.77 BGN 4.60

-18.41%

Potato (1kg)

$2.00 Rp 35.6K

$1.16 BGN 1.94

72.41%

Onion (1kg)

$2.21 Rp 39.4K

$1.01 BGN 1.68

118.81%

Lettuce (1 head)

$1.07 Rp 19.1K

$1.24 BGN 2.06

-13.71%

Water (1.5 liter bottle)

$0.76 Rp 13.6K

$0.72 BGN 1.19

5.56%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.7K

$3.73 BGN 6.20

-16.09%

Wine (Bottle)

$23.81 Rp 424.4K

$6.60 BGN 10.97

260.76%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.6K

$1.09 BGN 1.81

160.55%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.5K

$1.81 BGN 3.02

53.59%

One-way Ticket (Public Transport)

$0.27 Rp 4,755

$0.84 BGN 1.40

-67.86%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 149.1K

$26.31 BGN 43.76

-68.19%

Taxi Start (Normal Tariff)

$0.45 Rp 8,082

$1.44 BGN 2.39

-68.75%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,624

$0.72 BGN 1.20

-40.28%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 106.5K

$14.18 BGN 23.59

-57.83%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.58 BGN 2.64

-49.37%

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

$25.8K Rp 459.9M

$31.9K BGN 53.0K

-19.02%

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

$31.8K Rp 566.8M

$28.5K BGN 47.4K

11.73%

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

$80.7 Rp 1.4M

$152 BGN 253

-46.86%

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

$4.14 Rp 73.7K

$17.95 BGN 29.87

-76.94%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 429.8K

$14.96 BGN 24.89

61.23%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$29.87 BGN 49.70

227.25%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 118.4K

$14.60 BGN 24.28

-54.52%

Cinema Ticket

$4.04 Rp 71.9K

$9.57 BGN 15.92

-57.78%

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

$297 Rp 5.3M

$626 BGN 1,041

-52.54%

International Primary School, 1 Child (Yearly)

$6,590 Rp 117.4M

$5,441 BGN 9,051

21.13%

Jeans (Levis 501 Or Similar)

$55.1 Rp 982.6K

$70.2 BGN 117

-21.40%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 686.2K

$36.41 BGN 60.6

5.77%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$107 BGN 179

-19.86%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$119 BGN 197

-34.27%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.6M

$285 BGN 474

246.11%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$233 BGN 387

185.84%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.4M

$467 BGN 777

637.76%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.4M

$354 BGN 589

476.81%

Buy Apartment in City Center (m2)

$2,829 Rp 50.4M

$1,351 BGN 2,248

109.32%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.7M

$1,127 BGN 1,875

102.48%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$640 BGN 1,065

-73.56%

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: June 14, 2026

Last update for Lovech: June 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $285 in Lovech. Housing cost is often the main lever when comparing two cities.

Lovech pays 278% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $36.00 in Lovech. Groceries flip the comparison at $299 vs $258, 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 34% in total monthly costs ($1,394 vs $1,037 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 278% 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: $985 in Ubud, Bali versus $285 in Lovech. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,394 per month in Ubud, Bali versus $1,037 in Lovech – a 34% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 214% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,037 in Lovech versus $1,394 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 34% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.