Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Varna

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,408 in Varna, rent and utilities included – about $710 less a year. The total is higher in Varna despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
67

Cost of Living Index in Varna
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Varna Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Varna

🇧🇬 Bulgaria

$1,408

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,408 in Varna.

Ubud, Bali $1,349
Varna $1,408

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,217 in Varna.

Ubud, Bali $2,305
Varna $2,217

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,026 in Varna.

Ubud, Bali $3,261
Varna $3,026

Living in Ubud, Bali costs roughly 4% less than in Varna, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$12.46 BGN 21.94

-73.35%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$59.9 BGN 106

-40.54%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$10.16 BGN 17.87

-45.57%

Cappuccino

$2.72 Rp 49.4K

$2.87 BGN 5.05

-5.23%

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

$1.70 Rp 30.9K

$1.89 BGN 3.32

-10.05%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.62 BGN 2.85

-53.09%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$2.81 BGN 4.94

-5.69%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$3.50 BGN 6.15

25.14%

Milk (1 liter)

$1.49 Rp 27.1K

$1.92 BGN 3.38

-22.40%

White Bread (500g)

$2.28 Rp 41.4K

$1.24 BGN 2.18

83.87%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.58 BGN 4.55

-53.88%

Eggs

$2.04 Rp 37.0K

$3.53 BGN 6.21

-42.21%

Local Cheese (1kg)

$17.70 Rp 321.7K

$11.53 BGN 20.30

53.51%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$9.28 BGN 16.34

-57.33%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$13.97 BGN 24.60

-12.74%

Apples (1kg)

$3.66 Rp 66.4K

$1.90 BGN 3.34

92.63%

Banana (1kg)

$1.52 Rp 27.6K

$2.16 BGN 3.81

-29.63%

Oranges (1kg)

$2.23 Rp 40.5K

$2.12 BGN 3.74

5.19%

Tomato (1kg)

$1.97 Rp 35.9K

$3.00 BGN 5.28

-34.33%

Potato (1kg)

$1.85 Rp 33.6K

$1.30 BGN 2.29

42.31%

Onion (1kg)

$2.42 Rp 44.1K

$1.04 BGN 1.83

132.69%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.05 BGN 1.85

-5.71%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.78 BGN 1.37

-34.62%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$4.03 BGN 7.08

-44.91%

Wine (Bottle)

$22.24 Rp 404.2K

$8.90 BGN 15.66

149.89%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.17 BGN 2.06

93.16%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.80 BGN 3.17

65.00%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.13 BGN 1.99

-77.88%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$28.11 BGN 49.47

-72.18%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.56 BGN 2.75

-71.79%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.88 BGN 1.55

-51.14%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$12.19 BGN 21.46

-55.62%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.74 BGN 3.07

-52.87%

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

$23.8K Rp 433.3M

$29.6K BGN 52.0K

-19.33%

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

$31.7K Rp 577.0M

$24.7K BGN 43.5K

28.31%

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

$79.1 Rp 1.4M

$176 BGN 310

-55.09%

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

$6.45 Rp 117.2K

$20.41 BGN 35.91

-68.40%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$15.68 BGN 27.59

18.49%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$51.4 BGN 90.5

-3.77%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$19.47 BGN 34.26

-9.35%

Cinema Ticket

$4.27 Rp 77.7K

$9.06 BGN 15.95

-52.87%

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

$491 Rp 8.9M

$498 BGN 877

-1.56%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$6,292 BGN 11.1K

-9.83%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$65.3 BGN 115

-31.68%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$33.01 BGN 58.1

5.88%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$102 BGN 180

-21.90%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$99.7 BGN 175

-20.31%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$640 BGN 1,126

75.80%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$482 BGN 848

39.42%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,362 BGN 2,397

161.76%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$916 BGN 1,612

88.21%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,998 BGN 5,276

-8.88%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$2,090 BGN 3,678

9.30%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,286 BGN 2,263

-87.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.82

388.65%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Varna: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Varna

$482 34.2% 28.3% $190

Groceries & Markets

Ubud, Bali

$288 21.4%

Varna

$272 19.3% 5.8% $17

Eating Out

Ubud, Bali

$108 8%

Varna

$200 14.2% 85.4% $92

Clothing & Footwear

Ubud, Bali

$108 8%

Varna

$135 9.6% 25.7% $28

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Varna

$212 15.1% 104% $108

Sport & Entertainment

Ubud, Bali

$58 4.3%

Varna

$70 4.9% 19.8% $12

Getting Around

Ubud, Bali

$11 0.9%

Varna

$39 2.7% 238% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $640 in Varna. Housing cost is often the main lever when comparing two cities.

Varna pays about 7.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $60 in Varna. Groceries flip the comparison at $288 vs $272, with Varna cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Varna

🕒 Local time

03:59 3:59 AM

21:59 9:59 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

348,058

💱 Currency

Indonesian Rupiah IDR Rp

Bulgarian Lev BGN лв.

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 BGN = 0.568 USD

1 BGN = 0.51 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 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Bulgarian Lev exchange rates as of October 28, 2026: 1 USD = 1.76 BGN (1 BGN = 0.568 USD). 1 EUR = 1.96 BGN (1 BGN = 0.51 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Varna 10,440 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Varna

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 Varna: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 4% lower than in Varna. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 87% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $640 in Varna. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $498 in Varna. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Varna pay roughly 6% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Varna are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Varna on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.