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: $1,486 in Varna versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $2,323 in Varna versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,161 in Varna versus $3,275 in Ubud, Bali.

Living in Varna is roughly 8% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Varna 8% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$14.23 BGN 23.67

$3.33 Rp 58.7K

327.33%

Three-Course Dinner for Two, Mid-Range

$59.9 BGN 99.6

$35.82 Rp 630.7K

67.09%

Fast Food Meal (McDonalds, etc)

$10.72 BGN 17.83

$5.63 Rp 99.1K

90.41%

Cappuccino

$2.97 BGN 4.94

$2.82 Rp 49.7K

5.32%

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

$1.96 BGN 3.27

$1.75 Rp 30.8K

12.00%

Water (0.33 liter bottle)

$1.67 BGN 2.79

$0.80 Rp 14.0K

108.75%

Local Beer (0.5 liter draught)

$2.89 BGN 4.80

$3.04 Rp 53.6K

-4.93%

Imported Beer (0.33 liter bottle)

$3.70 BGN 6.16

$4.30 Rp 75.7K

-13.95%

Milk (1 liter)

$2.01 BGN 3.34

$1.61 Rp 28.3K

24.84%

White Bread (500g)

$1.28 BGN 2.14

$2.27 Rp 39.9K

-43.61%

Rice (white) (1kg)

$2.70 BGN 4.49

$1.17 Rp 20.6K

130.77%

Eggs

$3.72 BGN 6.18

$2.17 Rp 38.2K

71.43%

Local Cheese (1kg)

$11.67 BGN 19.42

$17.63 Rp 310.5K

-33.81%

Chicken Fillets (1kg)

$9.35 BGN 15.56

$4.05 Rp 71.4K

130.86%

Beef Round Steak (1kg)

$14.86 BGN 24.72

$12.18 Rp 214.5K

22.00%

Apples (1kg)

$2.07 BGN 3.45

$3.62 Rp 63.7K

-42.82%

Banana (1kg)

$2.27 BGN 3.78

$1.64 Rp 28.8K

38.41%

Oranges (1kg)

$2.21 BGN 3.68

$2.31 Rp 40.6K

-4.33%

Tomato (1kg)

$3.19 BGN 5.31

$1.96 Rp 34.5K

62.76%

Potato (1kg)

$1.30 BGN 2.16

$1.84 Rp 32.5K

-29.35%

Onion (1kg)

$1.08 BGN 1.80

$2.37 Rp 41.7K

-54.43%

Lettuce (1 head)

$1.05 BGN 1.75

$1.05 Rp 18.5K

Water (1.5 liter bottle)

$0.86 BGN 1.43

$0.54 Rp 9,560

59.26%

Cigarettes 20 Pack (Marlboro, Camel)

$4.24 BGN 7.06

$2.30 Rp 40.6K

84.35%

Wine (Bottle)

$8.94 BGN 14.87

$23.08 Rp 406.4K

-61.27%

Local Beer (0.5 liter bottle)

$1.28 BGN 2.12

$2.34 Rp 41.2K

-45.30%

Imported Beer (0.33 liter bottle)

$1.95 BGN 3.24

$3.07 Rp 54.0K

-36.48%

One-way Ticket (Public Transport)

$1.04 BGN 1.72

$0.25 Rp 4,365

316.00%

Public Transport Monthly Pass (Regular Price)

$29.45 BGN 48.99

$9.42 Rp 165.9K

212.63%

Taxi Start (Normal Tariff)

$1.58 BGN 2.62

$0.49 Rp 8,631

222.45%

Taxi (Normal Tariff) (1km)

$0.93 BGN 1.54

$0.47 Rp 8,349

97.87%

Taxi 1hour Waiting (Normal Tariff)

$12.45 BGN 20.71

$5.60 Rp 98.6K

122.32%

Gasoline (1 liter)

$1.75 BGN 2.90

$0.81 Rp 14.2K

116.05%

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

$31.6K BGN 52.6K

$25.0K Rp 440.3M

26.36%

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

$26.2K BGN 43.7K

$31.1K Rp 547.0M

-15.51%

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

$179 BGN 297

$82.7 Rp 1.5M

116.09%

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

$21.82 BGN 36.30

$6.49 Rp 114.2K

236.21%

Internet (50+ Mbps, Unlimited Data)

$17.25 BGN 28.70

$18.79 Rp 330.8K

-8.20%

Gym Membership (Monthly)

$53.8 BGN 89.5

$55.2 Rp 972.6K

-2.59%

Tennis Court (1 Hour on Weekend)

$20.59 BGN 34.25

$18.21 Rp 320.6K

13.07%

Cinema Ticket

$9.10 BGN 15.14

$4.30 Rp 75.7K

111.63%

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

$536 BGN 892

$494 Rp 8.7M

8.54%

International Primary School, 1 Child (Yearly)

$6,573 BGN 10.9K

$5,917 Rp 104.2M

11.08%

Jeans (Levis 501 Or Similar)

$67.2 BGN 112

$46.28 Rp 814.8K

45.14%

Summer Dress (H&M, Zara, etc)

$34.37 BGN 57.2

$36.44 Rp 641.6K

-5.68%

Sport Shoes (Adidas, Nike)

$104 BGN 173

$80.7 Rp 1.4M

29.21%

Men's Leather Business Shoes

$106 BGN 176

$78.8 Rp 1.4M

34.56%

1-bedroom Apartment, City Center (Monthly)

$636 BGN 1,059

$1,114 Rp 19.6M

-42.88%

1-bedroom Apartment, Outside City Center (Monthly)

$489 BGN 813

$693 Rp 12.2M

-29.51%

3-bedroom Apartment, City Center (Monthly)

$1,359 BGN 2,261

$3,639 Rp 64.1M

-62.66%

3-bedroom Apartment, Outside City Center (Monthly)

$927 BGN 1,542

$1,712 Rp 30.1M

-45.86%

Buy Apartment in City Center (m2)

$3,327 BGN 5,534

$2,761 Rp 48.6M

20.50%

Buy Apartment Outside City Center (m2)

$2,199 BGN 3,659

$2,293 Rp 40.4M

-4.07%

Average Monthly Net Salary (After Tax)

$1,297 BGN 2,158

$167 Rp 2.9M

676.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.9

13.78

-78.96%

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

Last update for Varna: September 6, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $636 in Varna and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varna pays 676% 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: $60.0 in Varna vs $36.00 in Ubud, Bali. Groceries flip the comparison at $283 vs $294, 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

Ubud, Bali wins on cost – living expenses run 8% 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.

Average pay runs 676% 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: $636 in Varna versus $1,114 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $536 in Varna versus $494 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Varna pay roughly 4% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,378 in Ubud, Bali versus $1,486 in Varna, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Varna. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,378 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali 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 Ubud, Bali gentler on the wallet – expenses run 8% less than in Varna. Beyond cost, consider language, visa policies, and how big the international community is in each city.