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

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $871 in Pernik.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $1,092 in Pernik.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $1,313 in Pernik.

Living in Ubud, Bali is roughly 58% more expensive than in Pernik, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Pernik is 37% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$10.71 BGN 17.82

-68.91%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 631.0K

$26.13 BGN 43.47

37.08%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.2K

$9.24 BGN 15.37

-39.07%

Cappuccino

$2.82 Rp 49.7K

$1.62 BGN 2.69

74.07%

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

$1.75 Rp 30.8K

$1.03 BGN 1.72

69.90%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.58 BGN 0.96

37.93%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$2.29 BGN 3.81

32.75%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$2.10 BGN 3.49

104.76%

Milk (1 liter)

$1.61 Rp 28.3K

$1.49 BGN 2.48

8.05%

White Bread (500g)

$2.27 Rp 40.0K

$0.68 BGN 1.13

233.82%

Rice (white) (1kg)

$1.17 Rp 20.6K

$1.57 BGN 2.61

-25.48%

Eggs

$2.17 Rp 38.2K

$2.44 BGN 4.05

-11.07%

Local Cheese (1kg)

$17.63 Rp 310.6K

$8.85 BGN 14.73

99.21%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$6.89 BGN 11.47

-41.22%

Beef Round Steak (1kg)

$12.18 Rp 214.6K

$9.00 BGN 14.98

35.33%

Apples (1kg)

$3.62 Rp 63.7K

$1.20 BGN 2.00

201.67%

Banana (1kg)

$1.64 Rp 28.8K

$1.71 BGN 2.85

-4.09%

Oranges (1kg)

$2.31 Rp 40.6K

$1.53 BGN 2.55

50.98%

Tomato (1kg)

$1.96 Rp 34.5K

$1.97 BGN 3.28

-0.51%

Potato (1kg)

$1.84 Rp 32.5K

$0.90 BGN 1.50

104.44%

Onion (1kg)

$2.37 Rp 41.8K

$0.76 BGN 1.26

211.84%

Lettuce (1 head)

$1.05 Rp 18.5K

$0.61 BGN 1.01

72.13%

Water (1.5 liter bottle)

$0.54 Rp 9,564

$0.65 BGN 1.08

-16.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$3.51 BGN 5.83

-34.47%

Wine (Bottle)

$23.08 Rp 406.5K

$5.28 BGN 8.79

337.12%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$0.76 BGN 1.26

207.89%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$1.83 BGN 3.04

67.76%

One-way Ticket (Public Transport)

$0.25 Rp 4,366

$0.91 BGN 1.51

-72.53%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$11.72 BGN 19.51

-19.62%

Taxi Start (Normal Tariff)

$0.49 Rp 8,635

$1.34 BGN 2.23

-63.43%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,352

$0.63 BGN 1.05

-25.40%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.7K

$11.66 BGN 19.40

-51.97%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.60 BGN 2.66

-49.38%

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

$25.0K Rp 440.5M

$31.8K BGN 52.8K

-21.23%

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

$31.1K Rp 547.2M

$21.0K BGN 35.0K

47.73%

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

$82.7 Rp 1.5M

$98.4 BGN 164

-15.90%

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

$6.49 Rp 114.3K

$15.24 BGN 25.35

-57.41%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 331.0K

$12.78 BGN 21.25

47.03%

Gym Membership (Monthly)

$55.2 Rp 973.0K

$35.67 BGN 59.3

54.86%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.8K

Cinema Ticket

$4.30 Rp 75.7K

$5.86 BGN 9.76

-26.62%

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

$494 Rp 8.7M

$239 BGN 397

106.83%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$2,419 BGN 4,024

144.64%

Jeans (Levis 501 Or Similar)

$46.28 Rp 815.2K

$31.22 BGN 51.9

48.24%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.9K

$19.79 BGN 32.92

84.13%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$66.1 BGN 110

22.05%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$53.7 BGN 89.3

46.77%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$299 BGN 497

272.66%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$263 BGN 438

163.33%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.2M

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$1,240 BGN 2,063

122.61%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,112 BGN 1,850

106.12%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$1,629 BGN 2,710

-89.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.99

360.87%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Pernik: September 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $299 in Pernik. Housing cost is often the main lever when comparing two cities.

Pernik pays 875% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $26.00 in Pernik for a mid-range dinner for two. Groceries echo the gap at $294 vs $190 per month, with Pernik 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 Pernik: Cost of Living - Frequently Asked Questions

Pernik wins on cost – living expenses run 58% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Pernik the obvious pick if budget is a priority.

On paper, salaries run 875% lower in Pernik. 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: $1,114 in Ubud, Bali versus $299 in Pernik. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Pernik runs roughly 24% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $494 in Ubud, Bali versus $239 in Pernik. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $871 in Pernik versus $1,378 in Ubud, Bali, a $1,000 budget is realistic in Pernik but tight or insufficient in Ubud, Bali. The gap between the two cities makes Pernik the clear choice for anyone on this budget.

Both work as nomad bases, but Pernik delivers better value – similar infrastructure at $871 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pernik hard to pass up.

Safety-wise, Ubud, Bali and Pernik 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 Pernik gentler on the wallet – expenses run 58% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.