Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Shumen

For one person, living is cheaper in Shumen: $906 a month against $1,368 in Ubud, Bali, rent and utilities included – about $5,500 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
44

Cost of Living Index in Shumen
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Shumen Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Shumen

🇧🇬 Bulgaria

$906

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,368 per month in Ubud, Bali vs $906 in Shumen, rent included.

Ubud, Bali $1,368
Shumen $906

A couple spends around $2,314 per month in Ubud, Bali vs $1,409 in Shumen, rent included.

Ubud, Bali $2,314
Shumen $1,409

A family of three spends $3,260 per month in Ubud, Bali vs $1,912 in Shumen, rent included.

Ubud, Bali $3,260
Shumen $1,912

Ubud, Bali costs about 51% more than Shumen, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 1% above the global median, while Shumen is 33% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$9.24 BGN 16.07

-63.96%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$33.55 BGN 58.4

4.86%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$8.87 BGN 15.44

-34.61%

Cappuccino

$2.73 Rp 49.1K

$1.73 BGN 3.01

57.80%

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

$1.64 Rp 29.5K

$1.48 BGN 2.58

10.81%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$1.00 BGN 1.75

-17.00%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$2.92 BGN 5.08

-7.53%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$2.83 BGN 4.93

51.94%

Milk (1 liter)

$1.50 Rp 27.1K

$1.81 BGN 3.15

-17.13%

White Bread (500g)

$2.30 Rp 41.4K

$1.03 BGN 1.79

123.30%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.43 BGN 4.22

-51.44%

Eggs

$2.14 Rp 38.6K

$2.88 BGN 5.02

-25.69%

Local Cheese (1kg)

$17.48 Rp 314.6K

$8.90 BGN 15.49

96.40%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$5.08 BGN 8.85

-20.67%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$8.75 BGN 15.23

39.77%

Apples (1kg)

$3.55 Rp 63.9K

$1.50 BGN 2.62

136.67%

Banana (1kg)

$1.57 Rp 28.3K

$2.06 BGN 3.58

-23.79%

Oranges (1kg)

$2.24 Rp 40.2K

$2.18 BGN 3.80

2.75%

Tomato (1kg)

$1.93 Rp 34.7K

$2.27 BGN 3.95

-14.98%

Potato (1kg)

$1.88 Rp 33.9K

$2.04 BGN 3.54

-7.84%

Onion (1kg)

$2.29 Rp 41.3K

$1.31 BGN 2.28

74.81%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.83 BGN 1.44

19.28%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.75 BGN 1.30

-29.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$3.68 BGN 6.41

-38.04%

Wine (Bottle)

$23.01 Rp 414.2K

$7.18 BGN 12.50

220.47%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$0.95 BGN 1.66

146.32%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$1.40 BGN 2.44

107.86%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.94 BGN 1.64

-74.47%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$25.92 BGN 45.10

-65.97%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.75 BGN 3.04

-72.57%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.48 BGN 0.84

-4.17%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.52 BGN 2.64

-42.11%

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

$24.6K Rp 442.2M

$30.3K BGN 52.8K

-18.99%

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

$31.2K Rp 561.4M

$22.2K BGN 38.6K

40.71%

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

$83.0 Rp 1.5M

$133 BGN 231

-37.45%

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

$6.45 Rp 116.0K

$17.28 BGN 30.07

-62.67%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$17.28 BGN 30.06

7.47%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$38.57 BGN 67.1

44.72%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$11.34 BGN 19.72

59.70%

Cinema Ticket

$4.38 Rp 78.9K

$6.79 BGN 11.82

-35.49%

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

$493 Rp 8.9M

$570 BGN 991

-13.47%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$10.2K BGN 17.8K

-43.78%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$48.34 BGN 84.1

-4.45%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$51.3 BGN 89.2

-31.06%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$94.1 BGN 164

-15.98%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$60.2 BGN 105

30.24%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$262 BGN 455

336.58%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$176 BGN 306

284.20%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$430 BGN 748

714.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$326 BGN 567

421.27%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$1,263 BGN 2,197

120.47%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$986 BGN 1,716

127.16%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,004 BGN 1,747

-83.61%

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 Shumen: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Shumen

$176 19.4% 74% $500

Groceries & Markets

Ubud, Bali

$290 21.2%

Shumen

$211 23.3% 27.4% $80

Eating Out

Ubud, Bali

$109 8%

Shumen

$151 16.7% 39.3% $43

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Shumen

$167 18.5% 54.8% $59

Clothing & Footwear

Ubud, Bali

$108 7.9%

Shumen

$114 12.6% 6.2% $6.7

Sport & Entertainment

Ubud, Bali

$65 4.7%

Shumen

$52 5.8% 19.2% $12

Getting Around

Ubud, Bali

$13 0.9%

Shumen

$34 3.7% 170% $21

Cost Breakdown

A central one-bedroom costs $1,142 in Ubud, Bali versus $262 in Shumen. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 510% higher in Shumen, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $34.00 in Shumen. Monthly groceries follow the same trend: $290 vs $211 – making Shumen the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Shumen

🕒 Local time

04:56 4:56 AM

23:56 11:56 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

85,504

💱 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 17, 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 17, 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 Shumen 10,520 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Shumen

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 Shumen: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,368 in Ubud, Bali, $906 in Shumen – roughly 51% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,051 per month in Ubud, Bali and $1,359 in Shumen. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Shumen, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,368 in Ubud, Bali and $906 in Shumen. That's a gap of about 51%.

Public transport costs about 194% less in Shumen. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Shumen, where all-in costs run around $906, than in Ubud, Bali at $1,368. In Shumen it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $906 in Shumen to $1,368 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Shumen. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.