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

Monthly Cost of Living

A single person spends $1,404 per month in Ubud, Bali vs $900 in Shumen, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $1,382 in Shumen, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $1,865 in Shumen, rent included.

Ubud, Bali costs about 56% more than Shumen, driven mainly by Groceries & Markets.

Ubud, Bali sits 4% above the global median, while Shumen is 33% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$9.51 BGN 15.82

-62.46%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$29.11 BGN 48.42

11.65%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.73 BGN 14.53

-44.33%

Cappuccino

$2.75 Rp 49.2K

$1.63 BGN 2.71

68.71%

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

$1.32 Rp 23.7K

$1.33 BGN 2.21

-0.75%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.65 BGN 1.08

7.69%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$2.00 BGN 3.33

45.50%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.32 BGN 3.86

63.36%

Milk (1 liter)

$1.71 Rp 30.6K

$1.70 BGN 2.82

0.59%

White Bread (500g)

$2.47 Rp 44.3K

$0.96 BGN 1.60

157.29%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.94 BGN 3.23

-38.14%

Eggs

$2.44 Rp 43.8K

$3.02 BGN 5.02

-19.21%

Local Cheese (1kg)

$14.38 Rp 257.7K

$9.18 BGN 15.27

56.64%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$5.80 BGN 9.64

-25.69%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$11.75 BGN 19.55

3.91%

Apples (1kg)

$3.68 Rp 66.0K

$1.77 BGN 2.94

107.91%

Banana (1kg)

$1.55 Rp 27.8K

$2.06 BGN 3.43

-24.76%

Oranges (1kg)

$2.79 Rp 49.9K

$2.02 BGN 3.36

38.12%

Tomato (1kg)

$2.33 Rp 41.8K

$2.27 BGN 3.77

2.64%

Potato (1kg)

$1.97 Rp 35.3K

$1.44 BGN 2.39

36.81%

Onion (1kg)

$2.31 Rp 41.4K

$1.37 BGN 2.29

68.61%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.92 BGN 1.52

15.22%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.74 BGN 1.23

-1.35%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$3.69 BGN 6.15

-11.11%

Wine (Bottle)

$22.79 Rp 408.4K

$7.18 BGN 11.95

217.41%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.00 BGN 1.67

181.00%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.60 BGN 2.67

73.75%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.95 BGN 1.59

-69.47%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$26.38 BGN 43.88

-69.45%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.26 BGN 2.09

-64.29%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.33 BGN 0.55

36.36%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$13.25 BGN 22.04

-52.91%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.50 BGN 2.49

-43.33%

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

$26.0K Rp 465.4M

$32.5K BGN 54.1K

-20.07%

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

$31.7K Rp 567.2M

$26.0K BGN 43.3K

21.64%

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

$80.8 Rp 1.4M

$96.0 BGN 160

-15.87%

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

$4.06 Rp 72.7K

$16.63 BGN 27.66

-75.59%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$14.04 BGN 23.35

73.93%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$40.48 BGN 67.3

141.28%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$12.02 BGN 20.00

-46.34%

Cinema Ticket

$4.04 Rp 72.4K

$7.27 BGN 12.10

-44.43%

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

$304 Rp 5.4M

$238 BGN 397

27.51%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$10.5K BGN 17.5K

-37.01%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$54.2 BGN 90.2

0.02%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$41.69 BGN 69.4

-6.98%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$81.9 BGN 136

5.23%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$71.7 BGN 119

6.96%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$280 BGN 465

252.43%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$194 BGN 322

239.78%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$509 BGN 846

562.44%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$328 BGN 546

529.81%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$1,266 BGN 2,106

116.59%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$1,051 BGN 1,748

112.02%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$1,044 BGN 1,737

-84.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

4.57

190.59%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Shumen: June 9, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $280 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 539% 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 $33.00 in Ubud, Bali versus $29.00 in Shumen. Monthly groceries follow the same trend: $297 vs $221 – making Shumen the more affordable choice for daily food spending.

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: $1,404 in Ubud, Bali, $900 in Shumen – roughly 56% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,106 per month in Ubud, Bali and $1,350 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 $1,404 in Ubud, Bali and $900 in Shumen. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 227% 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 $900, than in Ubud, Bali at $1,404. 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 $900 in Shumen to $1,404 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.