Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Veliko Tarnovo

For one person, living is cheaper in Veliko Tarnovo: $1,006 a month against $1,368 in Ubud, Bali, rent and utilities included – about $4,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
49

Cost of Living Index in Veliko Tarnovo
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Veliko Tarnovo Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Veliko Tarnovo

🇧🇬 Bulgaria

$1,006

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Veliko Tarnovo

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,006 in Veliko Tarnovo.

Ubud, Bali $1,368
Veliko Tarnovo $1,006

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $1,574 in Veliko Tarnovo.

Ubud, Bali $2,314
Veliko Tarnovo $1,574

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $2,141 in Veliko Tarnovo.

Ubud, Bali $3,260
Veliko Tarnovo $2,141

Living in Ubud, Bali is roughly 36% more expensive than in Veliko Tarnovo, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 1% above, Veliko Tarnovo is 25% below.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$11.12 BGN 19.46

-70.05%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 629.5K

$39.76 BGN 69.6

-11.52%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 103.9K

$9.61 BGN 16.83

-39.65%

Cappuccino

$2.73 Rp 48.8K

$1.85 BGN 3.23

47.57%

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

$1.64 Rp 29.4K

$1.31 BGN 2.30

25.19%

Water (0.33 liter bottle)

$0.83 Rp 14.9K

$0.88 BGN 1.54

-5.68%

Local Beer (0.5 liter draught)

$2.70 Rp 48.3K

$2.03 BGN 3.55

33.00%

Imported Beer (0.33 liter bottle)

$4.30 Rp 76.9K

$2.79 BGN 4.88

54.12%

Milk (1 liter)

$1.50 Rp 26.9K

$1.86 BGN 3.25

-19.35%

White Bread (500g)

$2.30 Rp 41.1K

$1.05 BGN 1.85

119.05%

Rice (white) (1kg)

$1.18 Rp 21.1K

$2.48 BGN 4.34

-52.42%

Eggs

$2.14 Rp 38.4K

$3.67 BGN 6.43

-41.69%

Local Cheese (1kg)

$17.48 Rp 312.7K

$10.17 BGN 17.81

71.88%

Chicken Fillets (1kg)

$4.03 Rp 72.1K

$8.00 BGN 14.00

-49.63%

Beef Round Steak (1kg)

$12.23 Rp 218.8K

$12.43 BGN 21.76

-1.61%

Apples (1kg)

$3.55 Rp 63.5K

$1.60 BGN 2.80

121.87%

Banana (1kg)

$1.57 Rp 28.1K

$2.05 BGN 3.59

-23.41%

Oranges (1kg)

$2.24 Rp 40.0K

$1.96 BGN 3.43

14.29%

Tomato (1kg)

$1.93 Rp 34.5K

$2.58 BGN 4.51

-25.19%

Potato (1kg)

$1.88 Rp 33.7K

$1.09 BGN 1.91

72.48%

Onion (1kg)

$2.29 Rp 41.0K

$1.17 BGN 2.05

95.73%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.98 BGN 1.71

1.02%

Water (1.5 liter bottle)

$0.53 Rp 9,420

$0.73 BGN 1.27

-27.40%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 40.9K

$4.10 BGN 7.17

-44.39%

Wine (Bottle)

$23.01 Rp 411.8K

$6.72 BGN 11.75

242.41%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.9K

$1.21 BGN 2.11

93.39%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.1K

$1.61 BGN 2.81

80.75%

One-way Ticket (Public Transport)

$0.24 Rp 4,290

$0.90 BGN 1.57

-73.33%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 157.8K

$23.23 BGN 40.65

-62.03%

Taxi Start (Normal Tariff)

$0.48 Rp 8,633

$1.16 BGN 2.03

-58.62%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,185

$0.67 BGN 1.18

-31.34%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.6K

$11.18 BGN 19.57

-51.25%

Gasoline (1 liter)

$0.88 Rp 15.8K

$1.56 BGN 2.72

-43.59%

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

$24.6K Rp 439.6M

$30.5K BGN 53.4K

-19.49%

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

$31.2K Rp 558.1M

$30.6K BGN 53.6K

1.87%

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

$83.0 Rp 1.5M

$95.9 BGN 168

-13.40%

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

$6.45 Rp 115.4K

$18.81 BGN 32.92

-65.71%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 332.2K

$15.86 BGN 27.75

17.09%

Gym Membership (Monthly)

$55.8 Rp 998.8K

$30.50 BGN 53.4

83.02%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.1K

$19.69 BGN 34.46

-8.02%

Cinema Ticket

$4.38 Rp 78.4K

$6.91 BGN 12.08

-36.61%

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

$493 Rp 8.8M

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.0M

Jeans (Levis 501 Or Similar)

$46.19 Rp 826.6K

$46.95 BGN 82.2

-1.62%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 632.3K

$30.58 BGN 53.5

15.53%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$122 BGN 214

-35.24%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$93.1 BGN 163

-15.83%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.4M

$351 BGN 614

225.51%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.1M

$260 BGN 456

159.56%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 62.7M

$572 BGN 1,000

512.77%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.4M

$420 BGN 735

304.75%

Buy Apartment in City Center (m2)

$2,784 Rp 49.8M

$2,407 BGN 4,211

15.68%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.1M

$1,364 BGN 2,387

64.29%

Average Monthly Net Salary (After Tax)

$165 Rp 2.9M

$952 BGN 1,666

-82.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.74

402.92%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Veliko Tarnovo: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Veliko Tarnovo

$260 25.9% 61.5% $415

Groceries & Markets

Ubud, Bali

$290 21.2%

Veliko Tarnovo

$244 24.2% 16.1% $47

Eating Out

Ubud, Bali

$109 8%

Veliko Tarnovo

$164 16.3% 51.2% $56

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Veliko Tarnovo

$131 13% 20.8% $22

Clothing & Footwear

Ubud, Bali

$108 7.9%

Veliko Tarnovo

$132 13.1% 22.5% $24

Sport & Entertainment

Ubud, Bali

$65 4.7%

Veliko Tarnovo

$44 4.4% 31.4% $20

Getting Around

Ubud, Bali

$13 0.9%

Veliko Tarnovo

$31 3.1% 150% $19

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $351 in Veliko Tarnovo. Housing cost is often the main lever when comparing two cities.

Veliko Tarnovo pays 479% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $40.00 in Veliko Tarnovo. Groceries flip the comparison at $290 vs $244, with Veliko Tarnovo cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇧🇬 Veliko Tarnovo

🕒 Local time

05:46 5:46 AM

00:46 12:46 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

71,150

💱 Currency

Indonesian Rupiah IDR Rp

Bulgarian Lev BGN лв.

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 BGN = 0.571 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 14, 2026: 1 USD = 17,895 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,035 IDR (100,000 IDR = 4.99 EUR).

Bulgarian Lev exchange rates as of October 14, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.96 BGN (1 BGN = 0.51 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Veliko Tarnovo 10,620 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Veliko Tarnovo

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 Veliko Tarnovo: Cost of Living - Frequently Asked Questions

Veliko Tarnovo wins on cost – living expenses run 36% 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 479% 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: $1,142 in Ubud, Bali versus $351 in Veliko Tarnovo. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 19% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,368 per month in Ubud, Bali versus $1,006 in Veliko Tarnovo – a 36% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,006 in Veliko Tarnovo versus $1,368 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 $1,006 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 36% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.