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: $1,408 in Ubud, Bali versus $890 in Pernik.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,303 in Pernik.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $1,716 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 5% above, Pernik is 33% below.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$9.08 BGN 15.10

-62.00%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$25.16 BGN 41.86

28.54%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$9.36 BGN 15.57

-48.29%

Cappuccino

$2.75 Rp 49.4K

$1.62 BGN 2.70

69.75%

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

$1.38 Rp 24.9K

$0.97 BGN 1.62

42.27%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.56 BGN 0.94

33.93%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$1.15 BGN 1.91

160.00%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.02 BGN 3.36

90.59%

Milk (1 liter)

$1.74 Rp 31.2K

$1.47 BGN 2.44

18.37%

White Bread (500g)

$2.46 Rp 44.2K

$0.70 BGN 1.17

251.43%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.48 BGN 2.46

-20.95%

Eggs

$2.43 Rp 43.7K

$2.19 BGN 3.65

10.96%

Local Cheese (1kg)

$14.50 Rp 260.6K

$8.58 BGN 14.28

69.00%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$6.97 BGN 11.60

-37.59%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$8.81 BGN 14.66

35.98%

Apples (1kg)

$3.72 Rp 66.8K

$1.19 BGN 1.98

212.61%

Banana (1kg)

$1.63 Rp 29.2K

$1.73 BGN 2.87

-5.78%

Oranges (1kg)

$2.74 Rp 49.3K

$1.45 BGN 2.41

88.97%

Tomato (1kg)

$2.24 Rp 40.3K

$2.24 BGN 3.72

Potato (1kg)

$1.92 Rp 34.5K

$0.91 BGN 1.51

110.99%

Onion (1kg)

$2.28 Rp 40.9K

$0.75 BGN 1.24

204.00%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.56 BGN 0.93

89.29%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.70 BGN 1.17

2.86%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$3.44 BGN 5.72

-4.36%

Wine (Bottle)

$23.19 Rp 416.8K

$5.14 BGN 8.55

351.17%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$0.80 BGN 1.32

247.50%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$2.06 BGN 3.43

32.52%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.87 BGN 1.44

-68.97%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$11.58 BGN 19.26

-29.97%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$1.37 BGN 2.28

-64.96%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.66 BGN 1.09

-36.36%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$11.88 BGN 19.77

-47.64%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.48 BGN 2.46

-45.27%

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

$26.6K Rp 478.2M

$24.8K BGN 41.3K

7.13%

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

$32.2K Rp 578.5M

$17.8K BGN 29.6K

80.64%

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

$78.4 Rp 1.4M

$102 BGN 170

-23.22%

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

$4.07 Rp 73.1K

$14.79 BGN 24.61

-72.48%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$11.37 BGN 18.91

113.98%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$35.15 BGN 58.5

180.54%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$14.98 BGN 24.91

-57.68%

Cinema Ticket

$3.99 Rp 71.6K

$5.74 BGN 9.56

-30.49%

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

$305 Rp 5.5M

$240 BGN 399

27.24%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$2,345 BGN 3,902

183.21%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$38.20 BGN 63.6

41.73%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$19.23 BGN 31.99

96.62%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$78.1 BGN 130

11.19%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$75.6 BGN 126

1.02%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$292 BGN 486

239.82%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$269 BGN 447

150.20%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$475 BGN 790

610.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$358 BGN 596

472.53%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$1,175 BGN 1,955

138.61%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$1,064 BGN 1,770

109.35%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$1,630 BGN 2,712

-89.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.4

290.59%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Pernik: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $292 in Pernik. Housing cost is often the main lever when comparing two cities.

Pernik pays 876% 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 $25.00 in Pernik for a mid-range dinner for two. Groceries echo the gap at $297 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 876% 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: $992 in Ubud, Bali versus $292 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 43% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $305 in Ubud, Bali versus $240 in Pernik. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $890 in Pernik versus $1,408 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 $890 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.