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 $1,392 per month in Ubud, Bali vs $889 in Shumen, rent included.

A couple spends around $2,557 per month in Ubud, Bali vs $1,376 in Shumen, rent included.

A family of three spends $3,723 per month in Ubud, Bali vs $1,862 in Shumen, rent included.

Ubud, Bali costs about 57% more than Shumen, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% 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 64.5K

$9.49 BGN 15.80

-62.38%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$29.38 BGN 48.87

10.01%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$8.66 BGN 14.41

-42.15%

Cappuccino

$2.82 Rp 51.0K

$1.70 BGN 2.83

65.88%

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

$1.35 Rp 24.4K

$1.37 BGN 2.28

-1.46%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.71 BGN 1.19

2.82%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$2.01 BGN 3.34

45.77%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$2.33 BGN 3.87

69.10%

Milk (1 liter)

$1.78 Rp 32.1K

$1.64 BGN 2.73

8.54%

White Bread (500g)

$2.45 Rp 44.2K

$0.95 BGN 1.59

157.89%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.91 BGN 3.18

-39.79%

Eggs

$2.41 Rp 43.6K

$3.08 BGN 5.12

-21.75%

Local Cheese (1kg)

$14.33 Rp 258.7K

$9.41 BGN 15.66

52.28%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$5.63 BGN 9.37

-25.58%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$11.73 BGN 19.51

2.81%

Apples (1kg)

$3.64 Rp 65.7K

$1.76 BGN 2.93

106.82%

Banana (1kg)

$1.57 Rp 28.3K

$2.05 BGN 3.41

-23.41%

Oranges (1kg)

$2.79 Rp 50.3K

$2.06 BGN 3.42

35.44%

Tomato (1kg)

$2.24 Rp 40.5K

$2.25 BGN 3.74

-0.44%

Potato (1kg)

$1.98 Rp 35.7K

$1.45 BGN 2.42

36.55%

Onion (1kg)

$2.28 Rp 41.1K

$1.33 BGN 2.21

71.43%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.93 BGN 1.54

12.90%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.79 BGN 1.31

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$3.57 BGN 5.94

-10.64%

Wine (Bottle)

$23.49 Rp 424.1K

$7.22 BGN 12.00

225.35%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$0.93 BGN 1.55

211.83%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.61 BGN 2.68

71.43%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.87 BGN 1.45

-68.97%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$26.71 BGN 44.44

-68.66%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$1.25 BGN 2.08

-64.00%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.31 BGN 0.51

48.39%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$13.36 BGN 22.22

-54.57%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.49 BGN 2.47

-42.28%

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

$26.6K Rp 480.0M

$32.0K BGN 53.2K

-16.81%

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

$32.5K Rp 587.6M

$25.2K BGN 41.9K

29.26%

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

$79.0 Rp 1.4M

$96.4 BGN 160

-17.99%

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

$4.09 Rp 73.9K

$16.33 BGN 27.16

-74.95%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$13.90 BGN 23.13

71.58%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$39.73 BGN 66.1

148.63%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$11.67 BGN 19.41

-45.59%

Cinema Ticket

$4.01 Rp 72.3K

$6.94 BGN 11.54

-42.22%

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

$297 Rp 5.4M

$237 BGN 394

25.36%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$10.6K BGN 17.6K

-37.51%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$54.5 BGN 90.6

-1.87%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$41.57 BGN 69.2

-8.32%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$83.1 BGN 138

6.72%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$72.2 BGN 120

6.08%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$272 BGN 452

274.91%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$189 BGN 314

260.15%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$508 BGN 844

583.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$326 BGN 542

541.04%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$1,289 BGN 2,144

111.77%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,017 BGN 1,691

125.76%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,034 BGN 1,719

-84.16%

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: July 28, 2026

Last update for Shumen: July 26, 2026

Cost Breakdown

A central one-bedroom costs $1,020 in Ubud, Bali versus $272 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 531% 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 $32.00 in Ubud, Bali versus $29.00 in Shumen. Monthly groceries follow the same trend: $298 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: $1,392 in Ubud, Bali, $889 in Shumen – roughly 57% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,088 per month in Ubud, Bali and $1,334 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 $1,392 in Ubud, Bali and $889 in Shumen. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 219% 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 $889, than in Ubud, Bali at $1,392. 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 $889 in Shumen to $1,392 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.