Last update: Oct 2026

Cost of Living Comparison Between Varna and Lovech

For one person, living is cheaper in Lovech: $968 a month against $1,411 in Varna, rent and utilities included – about $5,300 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Varna
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Varna Living Index
47

Cost of Living Index in Lovech
Learn more

Lovech Living Index

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Varna

🇧🇬 Bulgaria

$1,411

/mo nomad

Lovech

🇧🇬 Bulgaria

$968

/mo nomad

Monthly Cost of Living

How much you'll spend in Varna and in Lovech

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Varna and in Lovech actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,411 in Varna versus $968 in Lovech.

Varna $1,411
Lovech $968

Estimated couple costs with rent: $2,223 in Varna versus $1,505 in Lovech.

Varna $2,223
Lovech $1,505

Monthly costs for a family of three with rent: $3,035 in Varna versus $2,041 in Lovech.

Varna $3,035
Lovech $2,041

Living in Varna is roughly 46% more expensive than in Lovech, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Varna is 4% above, Lovech is 29% below.

Meal at Budget Restaurant

$12.74 BGN 22.18

$13.78 BGN 23.97

-7.55%

Three-Course Dinner for Two, Mid-Range

$59.4 BGN 103

$34.37 BGN 59.8

72.68%

Fast Food Meal (McDonalds, etc)

$10.24 BGN 17.81

$8.75 BGN 15.23

17.03%

Cappuccino

$2.92 BGN 5.08

$0.83 BGN 1.44

251.81%

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

$1.97 BGN 3.42

$0.69 BGN 1.20

185.51%

Water (0.33 liter bottle)

$1.64 BGN 2.86

$0.48 BGN 0.83

241.67%

Local Beer (0.5 liter draught)

$2.82 BGN 4.90

$1.01 BGN 1.76

179.21%

Imported Beer (0.33 liter bottle)

$3.48 BGN 6.06

$1.98 BGN 3.44

75.76%

Milk (1 liter)

$1.95 BGN 3.39

$1.69 BGN 2.95

15.38%

White Bread (500g)

$1.24 BGN 2.16

$0.94 BGN 1.63

31.91%

Rice (white) (1kg)

$2.67 BGN 4.64

$2.07 BGN 3.61

28.99%

Eggs

$3.42 BGN 5.96

$3.35 BGN 5.83

2.09%

Local Cheese (1kg)

$11.35 BGN 19.74

$10.24 BGN 17.82

10.84%

Chicken Fillets (1kg)

$9.31 BGN 16.21

$9.00 BGN 15.66

3.44%

Beef Round Steak (1kg)

$14.35 BGN 24.98

$11.35 BGN 19.74

26.43%

Apples (1kg)

$2.01 BGN 3.50

$2.29 BGN 3.99

-12.23%

Banana (1kg)

$2.08 BGN 3.62

$2.06 BGN 3.58

0.97%

Oranges (1kg)

$2.11 BGN 3.67

$2.13 BGN 3.71

-0.94%

Tomato (1kg)

$2.92 BGN 5.08

$2.58 BGN 4.49

13.18%

Potato (1kg)

$1.28 BGN 2.23

$1.66 BGN 2.88

-22.89%

Onion (1kg)

$1.04 BGN 1.81

$1.49 BGN 2.59

-30.20%

Lettuce (1 head)

$1.02 BGN 1.78

$0.99 BGN 1.73

3.03%

Water (1.5 liter bottle)

$0.77 BGN 1.34

$0.92 BGN 1.61

-16.30%

Cigarettes 20 Pack (Marlboro, Camel)

$4.03 BGN 7.01

$3.48 BGN 6.05

15.80%

Wine (Bottle)

$8.97 BGN 15.61

$6.93 BGN 12.06

29.44%

Local Beer (0.5 liter bottle)

$1.18 BGN 2.05

$1.03 BGN 1.79

14.56%

Imported Beer (0.33 liter bottle)

$1.79 BGN 3.12

$1.82 BGN 3.16

-1.65%

One-way Ticket (Public Transport)

$0.88 BGN 1.52

$0.82 BGN 1.43

7.32%

Public Transport Monthly Pass (Regular Price)

$28.86 BGN 50.2

$24.56 BGN 42.73

17.51%

Taxi Start (Normal Tariff)

$1.57 BGN 2.74

$1.68 BGN 2.93

-6.55%

Taxi (Normal Tariff) (1km)

$0.90 BGN 1.56

$0.72 BGN 1.26

25.00%

Taxi 1hour Waiting (Normal Tariff)

$12.06 BGN 20.99

$11.84 BGN 20.60

1.86%

Gasoline (1 liter)

$1.74 BGN 3.03

$1.67 BGN 2.90

4.19%

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

$30.4K BGN 52.9K

$30.5K BGN 53.1K

-0.35%

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

$24.5K BGN 42.7K

$22.7K BGN 39.5K

8.04%

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

$177 BGN 307

$101 BGN 176

75.00%

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

$21.08 BGN 36.67

$13.94 BGN 24.25

51.22%

Internet (50+ Mbps, Unlimited Data)

$15.97 BGN 27.80

$12.02 BGN 20.92

32.86%

Gym Membership (Monthly)

$51.2 BGN 89.0

$29.79 BGN 51.8

71.80%

Tennis Court (1 Hour on Weekend)

$19.51 BGN 33.94

$17.28 BGN 30.06

12.91%

Cinema Ticket

$9.52 BGN 16.56

$8.70 BGN 15.14

9.43%

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

$511 BGN 890

$227 BGN 394

125.70%

International Primary School, 1 Child (Yearly)

$6,289 BGN 10.9K

$5,829 BGN 10.1K

7.88%

Jeans (Levis 501 Or Similar)

$65.1 BGN 113

$57.0 BGN 99.2

14.21%

Summer Dress (H&M, Zara, etc)

$33.59 BGN 58.5

$29.41 BGN 51.2

14.21%

Sport Shoes (Adidas, Nike)

$102 BGN 178

$70.2 BGN 122

45.45%

Men's Leather Business Shoes

$103 BGN 179

$72.9 BGN 127

41.02%

1-bedroom Apartment, City Center (Monthly)

$645 BGN 1,122

$326 BGN 568

97.61%

1-bedroom Apartment, Outside City Center (Monthly)

$477 BGN 830

$249 BGN 433

91.87%

3-bedroom Apartment, City Center (Monthly)

$1,365 BGN 2,376

$545 BGN 948

150.61%

3-bedroom Apartment, Outside City Center (Monthly)

$914 BGN 1,590

$398 BGN 693

129.45%

Buy Apartment in City Center (m2)

$2,941 BGN 5,118

$1,307 BGN 2,275

125.00%

Buy Apartment Outside City Center (m2)

$2,142 BGN 3,726

$1,060 BGN 1,845

101.97%

Average Monthly Net Salary (After Tax)

$1,271 BGN 2,211

$618 BGN 1,075

105.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.82

3.25

-13.23%

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

Last update for Varna: October 18, 2026

Last update for Lovech: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Varna

$477 33.8%

Lovech

$249 25.7% 47.9% $228

Groceries & Markets

Varna

$272 19.3%

Lovech

$249 25.7% 8.6% $23

Monthly Utilities & Internet

Varna

$214 15.1%

Lovech

$127 13.1% 40.6% $87

Eating Out

Varna

$203 14.4%

Lovech

$160 16.5% 21.2% $43

Clothing & Footwear

Varna

$137 9.7%

Lovech

$103 10.7% 24.4% $33

Sport & Entertainment

Varna

$70 5%

Lovech

$47 4.9% 32.8% $23

Getting Around

Varna

$38 2.7%

Lovech

$33 3.4% 13.7% $5.3

Cost Breakdown

A one-bedroom apartment in the center runs $645 in Varna and $326 in Lovech. Housing cost is often the main lever when comparing two cities.

Varna pays 106% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $59.0 in Varna vs $34.00 in Lovech for a mid-range dinner for two. Groceries echo the gap at $272 vs $249 per month, with Lovech cheaper across the board.

Good to know

🇧🇬 Varna

🇧🇬 Lovech

🕒 Local time

19:56 7:56 PM

Same time as Varna

🌤 Weather

👥 Population

348,058

37,297

💱 Currency

Bulgarian Lev BGN лв.

📈 Exchange rate

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Varna Lovech 260 km

From you

Varna
Lovech

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

Varna vs Lovech: Cost of Living - Frequently Asked Questions

Varna and Lovech differ by about 46% in total monthly costs ($1,411 vs $968 including rent). Lovech is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 106% higher in Varna, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $645 in Varna versus $326 in Lovech. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,411 per month in Varna versus $968 in Lovech – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Lovech runs roughly 18% less than in Varna. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $968 in Lovech versus $1,411 in Varna, a $2,000 budget is realistic in Lovech but tight or insufficient in Varna. The gap between the two cities makes Lovech the clear choice for anyone on this budget.

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, Varna and Lovech 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 Lovech gentler on the wallet – expenses run 46% less than in Varna. Beyond cost, consider language, visa policies, and how big the international community is in each city.