Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Pernik

For one person, living is cheaper in Pernik: $844 a month against $1,353 in Ubud, Bali, rent and utilities included – about $6,100 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
41

Cost of Living Index in Pernik
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Pernik Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Pernik

🇧🇬 Bulgaria

$844

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $844 in Pernik.

Ubud, Bali $1,353
Pernik $844

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,065 in Pernik.

Ubud, Bali $2,297
Pernik $1,065

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $1,286 in Pernik.

Ubud, Bali $3,241
Pernik $1,286

Living in Ubud, Bali is roughly 60% more expensive than in Pernik, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Pernik is 38% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$10.15 BGN 17.65

-68.18%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$25.59 BGN 44.53

36.30%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.74 BGN 15.20

-34.78%

Cappuccino

$2.62 Rp 47.1K

$1.55 BGN 2.69

69.03%

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

$1.72 Rp 31.0K

$0.99 BGN 1.72

73.74%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.52 BGN 0.91

55.77%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$2.20 BGN 3.82

20.45%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$1.95 BGN 3.40

124.10%

Milk (1 liter)

$1.57 Rp 28.3K

$1.43 BGN 2.48

9.79%

White Bread (500g)

$2.19 Rp 39.5K

$0.65 BGN 1.13

236.92%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.44 BGN 2.50

-18.06%

Eggs

$2.16 Rp 38.8K

$2.37 BGN 4.12

-8.86%

Local Cheese (1kg)

$17.65 Rp 317.7K

$8.40 BGN 14.61

110.12%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$6.64 BGN 11.55

-43.07%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$8.29 BGN 14.43

44.15%

Apples (1kg)

$3.60 Rp 64.8K

$1.15 BGN 2.00

213.04%

Banana (1kg)

$1.59 Rp 28.6K

$1.64 BGN 2.85

-3.05%

Oranges (1kg)

$2.31 Rp 41.6K

$1.44 BGN 2.51

60.42%

Tomato (1kg)

$1.91 Rp 34.3K

$1.98 BGN 3.44

-3.54%

Potato (1kg)

$1.78 Rp 32.1K

$0.83 BGN 1.44

114.46%

Onion (1kg)

$2.33 Rp 41.9K

$0.72 BGN 1.25

223.61%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.58 BGN 1.01

72.41%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.63 BGN 1.10

-15.87%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$3.37 BGN 5.86

-32.05%

Wine (Bottle)

$22.07 Rp 397.3K

$5.21 BGN 9.06

323.61%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$0.74 BGN 1.28

217.57%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.69 BGN 2.95

76.33%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.83 BGN 1.44

-72.29%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$11.50 BGN 20.00

-22.61%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.34 BGN 2.34

-64.93%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.61 BGN 1.07

-29.51%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$11.27 BGN 19.61

-51.46%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.57 BGN 2.73

-47.13%

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

$23.9K Rp 429.8M

$30.7K BGN 53.3K

-22.10%

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

$32.8K Rp 590.1M

$23.7K BGN 41.3K

38.27%

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

$80.0 Rp 1.4M

$92.4 BGN 161

-13.43%

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

$6.56 Rp 118.1K

$14.91 BGN 25.95

-56.00%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$12.35 BGN 21.48

50.61%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$34.02 BGN 59.2

59.08%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$5.62 BGN 9.78

-24.38%

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

$493 Rp 8.9M

$232 BGN 404

112.15%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$2,315 BGN 4,027

141.81%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$30.71 BGN 53.4

48.42%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$19.41 BGN 33.78

80.11%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$64.9 BGN 113

19.74%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$51.4 BGN 89.4

52.91%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$293 BGN 509

286.75%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$256 BGN 445

162.85%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$1,152 BGN 2,004

135.97%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,049 BGN 1,825

113.64%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,564 BGN 2,721

-89.36%

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: October 19, 2026

Last update for Pernik: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Pernik

$256 30.3% 62% $417

Groceries & Markets

Ubud, Bali

$287 21.2%

Pernik

$182 21.6% 36.7% $105

Clothing & Footwear

Ubud, Bali

$107 7.9%

Pernik

$75 8.9% 29.7% $32

Eating Out

Ubud, Bali

$106 7.9%

Pernik

$147 17.4% 38% $40

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Pernik

$120 14.2% 13.8% $15

Sport & Entertainment

Ubud, Bali

$63 4.6%

Pernik

$45 5.4% 27.7% $17

Getting Around

Ubud, Bali

$12 0.9%

Pernik

$19 2.3% 54.6% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $293 in Pernik. Housing cost is often the main lever when comparing two cities.

Pernik pays 840% 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 $26.00 in Pernik for a mid-range dinner for two. Groceries echo the gap at $287 vs $182 per month, with Pernik cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Pernik

🕒 Local time

16:10 4:10 PM

10:10 10:10 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

78,342

💱 Currency

Indonesian Rupiah IDR Rp

Bulgarian Lev BGN лв.

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 BGN = 0.575 USD

1 BGN = 0.511 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 25, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Bulgarian Lev exchange rates as of October 25, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Pernik 10,830 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Pernik

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 Pernik: Cost of Living - Frequently Asked Questions

Pernik wins on cost – living expenses run 60% 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 840% 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: $1,131 in Ubud, Bali versus $293 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 29% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $493 in Ubud, Bali versus $232 in Pernik. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $844 in Pernik versus $1,353 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 $844 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 60% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.