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 $1,438 per month in Ubud, Bali vs $878 in Shumen, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $1,375 in Shumen, rent included.

A family of three spends $3,732 per month in Ubud, Bali vs $1,872 in Shumen, rent included.

Ubud, Bali costs about 64% more than Shumen, driven mainly by Groceries & Markets.

Ubud, Bali sits 7% above the global median, while Shumen is 34% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$9.76 BGN 16.30

-63.42%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$30.01 BGN 50.1

8.56%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$8.66 BGN 14.47

-41.45%

Cappuccino

$2.83 Rp 49.0K

$1.66 BGN 2.77

70.48%

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

$1.34 Rp 23.2K

$1.38 BGN 2.30

-2.90%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.70 BGN 1.16

-1.43%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.98 BGN 3.31

51.01%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$2.37 BGN 3.95

62.45%

Milk (1 liter)

$1.74 Rp 30.2K

$1.68 BGN 2.81

3.57%

White Bread (500g)

$2.54 Rp 44.0K

$0.96 BGN 1.60

164.58%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.87 BGN 3.13

-36.36%

Eggs

$2.43 Rp 42.0K

$3.02 BGN 5.04

-19.54%

Local Cheese (1kg)

$14.66 Rp 254.1K

$9.69 BGN 16.19

51.29%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$5.90 BGN 9.85

-29.15%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$11.53 BGN 19.26

3.56%

Apples (1kg)

$3.69 Rp 63.9K

$1.75 BGN 2.93

110.86%

Banana (1kg)

$1.61 Rp 27.8K

$2.07 BGN 3.46

-22.22%

Oranges (1kg)

$2.69 Rp 46.5K

$2.05 BGN 3.42

31.22%

Tomato (1kg)

$2.33 Rp 40.4K

$2.28 BGN 3.81

2.19%

Potato (1kg)

$1.91 Rp 33.0K

$1.50 BGN 2.50

27.33%

Onion (1kg)

$2.19 Rp 37.9K

$1.38 BGN 2.30

58.70%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.97 BGN 1.62

9.28%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.79 BGN 1.31

-8.86%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.63 BGN 6.07

-13.77%

Wine (Bottle)

$23.49 Rp 407.1K

$7.27 BGN 12.15

223.11%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.00 BGN 1.67

174.00%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.62 BGN 2.70

77.78%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.89 BGN 1.48

-67.42%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$26.38 BGN 44.06

-69.03%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$1.26 BGN 2.10

-64.29%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.31 BGN 0.51

35.48%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$13.29 BGN 22.20

-53.65%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.49 BGN 2.49

-43.62%

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

$26.2K Rp 454.9M

$32.6K BGN 54.5K

-19.52%

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

$32.5K Rp 562.9M

$25.6K BGN 42.8K

26.65%

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

$78.4 Rp 1.4M

$95.1 BGN 159

-17.57%

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

$3.95 Rp 68.5K

$16.85 BGN 28.14

-76.56%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$14.05 BGN 23.46

73.67%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$39.44 BGN 65.9

144.78%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$11.87 BGN 19.82

-46.50%

Cinema Ticket

$4.04 Rp 70.0K

$7.17 BGN 11.98

-43.65%

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

$303 Rp 5.2M

$235 BGN 392

29.01%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$10.6K BGN 17.7K

-38.33%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$54.6 BGN 91.2

-1.43%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$41.70 BGN 69.6

-8.92%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$83.4 BGN 139

4.07%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$72.4 BGN 121

8.89%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$278 BGN 464

264.51%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$189 BGN 315

257.55%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$494 BGN 826

585.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$324 BGN 541

548.08%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$1,299 BGN 2,169

129.77%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$1,039 BGN 1,735

125.11%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,053 BGN 1,759

-83.56%

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: April 28, 2026

Last update for Shumen: April 25, 2026

Cost Breakdown

A central one-bedroom costs $1,012 in Ubud, Bali versus $278 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 508% 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 $30.00 in Shumen. Monthly groceries follow the same trend: $298 vs $223 – 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: $1,438 in Ubud, Bali, $878 in Shumen – roughly 64% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,158 per month in Ubud, Bali and $1,317 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 $1,438 in Ubud, Bali and $878 in Shumen. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 223% 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 $878, than in Ubud, Bali at $1,438. 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 $878 in Shumen to $1,438 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.