Cost of Living Comparison Between Ubud, Bali and Veliko Tarnovo Cost of Living Comparison Between Ubud, Bali and Veliko Tarnovo

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $971 in Veliko Tarnovo.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,528 in Veliko Tarnovo.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,085 in Veliko Tarnovo.

Living in Ubud, Bali is roughly 45% more expensive than in Veliko Tarnovo, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Veliko Tarnovo is 27% below.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$10.37 BGN 17.25

-66.73%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$40.59 BGN 67.5

-20.33%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$9.09 BGN 15.11

-46.75%

Cappuccino

$2.75 Rp 49.4K

$1.87 BGN 3.10

47.06%

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

$1.38 Rp 24.9K

$1.38 BGN 2.29

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.66 BGN 1.10

13.64%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$1.93 BGN 3.22

54.92%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.99 BGN 4.97

28.76%

Milk (1 liter)

$1.74 Rp 31.2K

$1.68 BGN 2.80

3.57%

White Bread (500g)

$2.46 Rp 44.2K

$0.91 BGN 1.51

170.33%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.97 BGN 3.28

-40.61%

Eggs

$2.43 Rp 43.7K

$3.28 BGN 5.46

-25.91%

Local Cheese (1kg)

$14.50 Rp 260.6K

$9.50 BGN 15.80

52.63%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$7.88 BGN 13.10

-44.80%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$11.50 BGN 19.14

4.17%

Apples (1kg)

$3.72 Rp 66.8K

$1.65 BGN 2.75

125.45%

Banana (1kg)

$1.63 Rp 29.2K

$2.06 BGN 3.42

-20.87%

Oranges (1kg)

$2.74 Rp 49.3K

$2.01 BGN 3.35

36.32%

Tomato (1kg)

$2.24 Rp 40.3K

$2.49 BGN 4.14

-10.04%

Potato (1kg)

$1.92 Rp 34.5K

$1.20 BGN 2.00

60.00%

Onion (1kg)

$2.28 Rp 40.9K

$1.35 BGN 2.25

68.89%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.01 BGN 1.67

4.95%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.80 BGN 1.32

-10.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$3.58 BGN 5.95

-8.10%

Wine (Bottle)

$23.19 Rp 416.8K

$6.64 BGN 11.04

249.25%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$0.95 BGN 1.58

192.63%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$1.61 BGN 2.68

69.57%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.86 BGN 1.43

-68.60%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$34.46 BGN 57.3

-76.47%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$1.21 BGN 2.01

-60.33%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.62 BGN 1.02

-32.26%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$11.97 BGN 19.91

-48.04%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.56 BGN 2.60

-48.08%

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

$26.6K Rp 478.2M

$32.0K BGN 53.3K

-16.89%

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

$32.2K Rp 578.5M

$26.1K BGN 43.4K

23.39%

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

$78.4 Rp 1.4M

$93.9 BGN 156

-16.57%

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

$4.07 Rp 73.1K

$16.63 BGN 27.67

-75.53%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$13.38 BGN 22.26

81.84%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$35.95 BGN 59.8

174.30%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$21.78 BGN 36.24

-70.89%

Cinema Ticket

$3.99 Rp 71.6K

$7.00 BGN 11.65

-43.00%

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

$305 Rp 5.5M

$233 BGN 388

30.95%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$4,168 BGN 6,934

59.36%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$43.83 BGN 72.9

23.52%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$29.93 BGN 49.78

26.33%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$82.4 BGN 137

5.35%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$71.5 BGN 119

6.77%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$364 BGN 606

172.36%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$254 BGN 422

165.23%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$577 BGN 960

484.90%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$435 BGN 724

370.98%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$2,514 BGN 4,182

11.58%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$1,388 BGN 2,309

60.47%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$923 BGN 1,536

-81.92%

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 11, 2026

Last update for Veliko Tarnovo: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $364 in Veliko Tarnovo. Housing cost is often the main lever when comparing two cities.

Veliko Tarnovo pays 453% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $41.00 in Veliko Tarnovo. Groceries flip the comparison at $297 vs $232, with Veliko Tarnovo cheaper for home cooking.

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 Veliko Tarnovo: Cost of Living - Frequently Asked Questions

Veliko Tarnovo wins on cost – living expenses run 45% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Veliko Tarnovo the obvious pick if budget is a priority.

On paper, salaries run 453% lower in Veliko Tarnovo. 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: $992 in Ubud, Bali versus $364 in Veliko Tarnovo. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $233 in Veliko Tarnovo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $971 in Veliko Tarnovo versus $1,408 in Ubud, Bali, a $1,500 budget is realistic in Veliko Tarnovo but tight or insufficient in Ubud, Bali. The gap between the two cities makes Veliko Tarnovo the clear choice for anyone on this budget.

Both work as nomad bases, but Veliko Tarnovo delivers better value – similar infrastructure at $971 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Veliko Tarnovo hard to pass up.

Safety-wise, Ubud, Bali and Veliko Tarnovo are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Veliko Tarnovo gentler on the wallet – expenses run 45% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.