Cost of Living Comparison Between Varna and Ubud, Bali Cost of Living Comparison Between Varna and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,223 in Varna versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $1,849 in Varna versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,476 in Varna versus $3,723 in Ubud, Bali.

Living in Varna costs roughly 12% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: Varna is 8% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$11.69 BGN 19.45

$3.57 Rp 64.6K

227.45%

Three-Course Dinner for Two, Mid-Range

$47.30 BGN 78.7

$32.32 Rp 584.4K

46.35%

Fast Food Meal (McDonalds, etc)

$9.07 BGN 15.09

$5.01 Rp 90.5K

81.04%

Cappuccino

$2.47 BGN 4.12

$2.82 Rp 51.1K

-12.41%

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

$1.73 BGN 2.87

$1.35 Rp 24.4K

28.15%

Water (0.33 liter bottle)

$1.32 BGN 2.19

$0.73 Rp 13.2K

80.82%

Local Beer (0.5 liter draught)

$2.89 BGN 4.80

$2.93 Rp 53.0K

-1.37%

Imported Beer (0.33 liter bottle)

$2.93 BGN 4.88

$3.94 Rp 71.2K

-25.63%

Milk (1 liter)

$1.79 BGN 2.98

$1.78 Rp 32.2K

0.56%

White Bread (500g)

$1.03 BGN 1.71

$2.45 Rp 44.3K

-57.96%

Rice (white) (1kg)

$2.44 BGN 4.05

$1.15 Rp 20.8K

112.17%

Eggs

$3.44 BGN 5.73

$2.41 Rp 43.7K

42.74%

Local Cheese (1kg)

$10.79 BGN 17.95

$14.33 Rp 259.1K

-24.70%

Chicken Fillets (1kg)

$8.10 BGN 13.47

$4.19 Rp 75.7K

93.32%

Beef Round Steak (1kg)

$12.26 BGN 20.40

$12.06 Rp 218.1K

1.66%

Apples (1kg)

$1.69 BGN 2.80

$3.64 Rp 65.8K

-53.57%

Banana (1kg)

$2.04 BGN 3.40

$1.57 Rp 28.3K

29.94%

Oranges (1kg)

$1.87 BGN 3.10

$2.79 Rp 50.4K

-32.97%

Tomato (1kg)

$2.73 BGN 4.54

$2.24 Rp 40.5K

21.87%

Potato (1kg)

$1.20 BGN 2.00

$1.98 Rp 35.8K

-39.39%

Onion (1kg)

$1.14 BGN 1.89

$2.28 Rp 41.2K

-50.00%

Lettuce (1 head)

$1.00 BGN 1.66

$1.05 Rp 19.1K

-4.76%

Water (1.5 liter bottle)

$0.74 BGN 1.23

$0.79 Rp 14.2K

-6.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.74 BGN 6.22

$3.19 Rp 57.7K

17.24%

Wine (Bottle)

$8.68 BGN 14.44

$23.49 Rp 424.8K

-63.05%

Local Beer (0.5 liter bottle)

$1.11 BGN 1.85

$2.90 Rp 52.4K

-61.72%

Imported Beer (0.33 liter bottle)

$1.91 BGN 3.18

$2.76 Rp 49.8K

-30.80%

One-way Ticket (Public Transport)

$1.16 BGN 1.93

$0.27 Rp 4,821

329.63%

Public Transport Monthly Pass (Regular Price)

$29.23 BGN 48.62

$8.37 Rp 151.3K

249.22%

Taxi Start (Normal Tariff)

$1.35 BGN 2.25

$0.45 Rp 8,180

200.00%

Taxi (Normal Tariff) (1km)

$0.72 BGN 1.19

$0.46 Rp 8,311

56.52%

Taxi 1hour Waiting (Normal Tariff)

$12.42 BGN 20.67

$6.07 Rp 109.7K

104.61%

Gasoline (1 liter)

$1.50 BGN 2.50

$0.86 Rp 15.6K

74.42%

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

$32.3K BGN 53.8K

$26.6K Rp 480.7M

21.65%

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

$29.5K BGN 49.1K

$32.5K Rp 588.6M

-9.36%

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

$124 BGN 207

$79.0 Rp 1.4M

57.50%

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

$18.60 BGN 30.94

$4.09 Rp 74.0K

354.77%

Internet (50+ Mbps, Unlimited Data)

$15.89 BGN 26.43

$23.85 Rp 431.2K

-33.38%

Gym Membership (Monthly)

$41.68 BGN 69.3

$98.8 Rp 1.8M

-57.81%

Tennis Court (1 Hour on Weekend)

$14.85 BGN 24.70

$6.35 Rp 114.9K

133.86%

Cinema Ticket

$8.94 BGN 14.87

$4.01 Rp 72.5K

122.94%

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

$413 BGN 687

$297 Rp 5.4M

38.96%

International Primary School, 1 Child (Yearly)

$5,503 BGN 9,156

$6,602 Rp 119.4M

-16.64%

Jeans (Levis 501 Or Similar)

$60.4 BGN 100

$53.4 Rp 966.0K

13.01%

Summer Dress (H&M, Zara, etc)

$33.21 BGN 55.3

$38.11 Rp 689.2K

-12.86%

Sport Shoes (Adidas, Nike)

$92.6 BGN 154

$88.7 Rp 1.6M

4.40%

Men's Leather Business Shoes

$102 BGN 170

$76.6 Rp 1.4M

32.99%

1-bedroom Apartment, City Center (Monthly)

$510 BGN 848

$1,020 Rp 18.4M

-50.01%

1-bedroom Apartment, Outside City Center (Monthly)

$389 BGN 647

$680 Rp 12.3M

-42.83%

3-bedroom Apartment, City Center (Monthly)

$893 BGN 1,485

$3,469 Rp 62.7M

-74.26%

3-bedroom Apartment, Outside City Center (Monthly)

$650 BGN 1,082

$2,090 Rp 37.8M

-68.88%

Buy Apartment in City Center (m2)

$3,269 BGN 5,438

$2,729 Rp 49.3M

19.78%

Buy Apartment Outside City Center (m2)

$2,167 BGN 3,606

$2,295 Rp 41.5M

-5.57%

Average Monthly Net Salary (After Tax)

$1,207 BGN 2,008

$164 Rp 3.0M

637.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.71

13.28

-64.53%

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

Last update for Varna: July 28, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $510 in Varna and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varna pays 638% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $47.00 in Varna vs $32.00 in Ubud, Bali. Groceries flip the comparison at $249 vs $298, with Varna 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

Varna vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Varna wins on cost – living expenses run 14% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Varna the obvious pick if budget is a priority.

Average pay runs 638% 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: $510 in Varna versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $413 in Varna versus $297 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 20% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,223 in Varna versus $1,392 in Ubud, Bali, a $2,000 budget is realistic in Varna but tight or insufficient in Ubud, Bali. The gap between the two cities makes Varna the clear choice for anyone on this budget.

Both work as nomad bases, but Varna delivers better value – similar infrastructure at $1,223 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Varna hard to pass up.

Safety-wise, Varna and Ubud, Bali 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 Varna gentler on the wallet – expenses run 14% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.