Last update: Oct 2026

Cost of Living Comparison Between Varna and Ubud, Bali

For one person, living costs are similar in Varna and in Ubud, Bali: $1,408 and $1,349 a month, rent and utilities included.

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Cost of Living Index in Varna
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Varna Living Index
65

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

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Varna

🇧🇬 Bulgaria

$1,408

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Varna and in Ubud, Bali

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 Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,408 in Varna versus $1,349 in Ubud, Bali.

Varna $1,408
Ubud, Bali $1,349

Estimated couple costs with rent: $2,217 in Varna versus $2,305 in Ubud, Bali.

Varna $2,217
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,026 in Varna versus $3,261 in Ubud, Bali.

Varna $3,026
Ubud, Bali $3,261

Living in Varna is roughly 4% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$12.46 BGN 21.94

$3.32 Rp 60.4K

275.30%

Three-Course Dinner for Two, Mid-Range

$59.9 BGN 106

$35.64 Rp 647.8K

68.18%

Fast Food Meal (McDonalds, etc)

$10.16 BGN 17.87

$5.53 Rp 100.6K

83.73%

Cappuccino

$2.87 BGN 5.05

$2.72 Rp 49.4K

5.51%

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

$1.89 BGN 3.32

$1.70 Rp 30.9K

11.18%

Water (0.33 liter bottle)

$1.62 BGN 2.85

$0.76 Rp 13.8K

113.16%

Local Beer (0.5 liter draught)

$2.81 BGN 4.94

$2.65 Rp 48.2K

6.04%

Imported Beer (0.33 liter bottle)

$3.50 BGN 6.15

$4.38 Rp 79.6K

-20.09%

Milk (1 liter)

$1.92 BGN 3.38

$1.49 Rp 27.1K

28.86%

White Bread (500g)

$1.24 BGN 2.18

$2.28 Rp 41.4K

-45.61%

Rice (white) (1kg)

$2.58 BGN 4.55

$1.19 Rp 21.6K

116.81%

Eggs

$3.53 BGN 6.21

$2.04 Rp 37.0K

73.04%

Local Cheese (1kg)

$11.53 BGN 20.30

$17.70 Rp 321.7K

-34.86%

Chicken Fillets (1kg)

$9.28 BGN 16.34

$3.96 Rp 72.0K

134.34%

Beef Round Steak (1kg)

$13.97 BGN 24.60

$12.19 Rp 221.6K

14.60%

Apples (1kg)

$1.90 BGN 3.34

$3.66 Rp 66.4K

-48.09%

Banana (1kg)

$2.16 BGN 3.81

$1.52 Rp 27.6K

42.11%

Oranges (1kg)

$2.12 BGN 3.74

$2.23 Rp 40.5K

-4.93%

Tomato (1kg)

$3.00 BGN 5.28

$1.97 Rp 35.9K

52.28%

Potato (1kg)

$1.30 BGN 2.29

$1.85 Rp 33.6K

-29.73%

Onion (1kg)

$1.04 BGN 1.83

$2.42 Rp 44.1K

-57.02%

Lettuce (1 head)

$1.05 BGN 1.85

$0.99 Rp 18.0K

6.06%

Water (1.5 liter bottle)

$0.78 BGN 1.37

$0.51 Rp 9,332

52.94%

Cigarettes 20 Pack (Marlboro, Camel)

$4.03 BGN 7.08

$2.22 Rp 40.4K

81.53%

Wine (Bottle)

$8.90 BGN 15.66

$22.24 Rp 404.2K

-59.98%

Local Beer (0.5 liter bottle)

$1.17 BGN 2.06

$2.26 Rp 41.1K

-48.23%

Imported Beer (0.33 liter bottle)

$1.80 BGN 3.17

$2.97 Rp 54.0K

-39.39%

One-way Ticket (Public Transport)

$1.13 BGN 1.99

$0.25 Rp 4,562

352.00%

Public Transport Monthly Pass (Regular Price)

$28.11 BGN 49.47

$7.82 Rp 142.2K

259.46%

Taxi Start (Normal Tariff)

$1.56 BGN 2.75

$0.44 Rp 7,989

254.55%

Taxi (Normal Tariff) (1km)

$0.88 BGN 1.55

$0.43 Rp 7,817

104.65%

Taxi 1hour Waiting (Normal Tariff)

$12.19 BGN 21.46

$5.41 Rp 98.3K

125.32%

Gasoline (1 liter)

$1.74 BGN 3.07

$0.82 Rp 15.0K

112.20%

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

$29.6K BGN 52.0K

$23.8K Rp 433.3M

23.96%

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

$24.7K BGN 43.5K

$31.7K Rp 577.0M

-22.06%

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

$176 BGN 310

$79.1 Rp 1.4M

122.68%

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

$20.41 BGN 35.91

$6.45 Rp 117.2K

216.43%

Internet (50+ Mbps, Unlimited Data)

$15.68 BGN 27.59

$18.58 Rp 337.7K

-15.61%

Gym Membership (Monthly)

$51.4 BGN 90.5

$49.48 Rp 899.4K

3.92%

Tennis Court (1 Hour on Weekend)

$19.47 BGN 34.26

$17.65 Rp 320.8K

10.31%

Cinema Ticket

$9.06 BGN 15.95

$4.27 Rp 77.7K

112.18%

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

$498 BGN 877

$491 Rp 8.9M

1.58%

International Primary School, 1 Child (Yearly)

$6,292 BGN 11.1K

$5,674 Rp 103.1M

10.90%

Jeans (Levis 501 Or Similar)

$65.3 BGN 115

$44.64 Rp 811.4K

46.37%

Summer Dress (H&M, Zara, etc)

$33.01 BGN 58.1

$34.95 Rp 635.3K

-5.55%

Sport Shoes (Adidas, Nike)

$102 BGN 180

$79.9 Rp 1.5M

28.04%

Men's Leather Business Shoes

$99.7 BGN 175

$79.4 Rp 1.4M

25.48%

1-bedroom Apartment, City Center (Monthly)

$640 BGN 1,126

$1,125 Rp 20.4M

-43.12%

1-bedroom Apartment, Outside City Center (Monthly)

$482 BGN 848

$671 Rp 12.2M

-28.28%

3-bedroom Apartment, City Center (Monthly)

$1,362 BGN 2,397

$3,565 Rp 64.8M

-61.80%

3-bedroom Apartment, Outside City Center (Monthly)

$916 BGN 1,612

$1,723 Rp 31.3M

-46.87%

Buy Apartment in City Center (m2)

$2,998 BGN 5,276

$2,732 Rp 49.6M

9.74%

Buy Apartment Outside City Center (m2)

$2,090 BGN 3,678

$2,284 Rp 41.5M

-8.51%

Average Monthly Net Salary (After Tax)

$1,286 BGN 2,263

$164 Rp 3.0M

684.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.82

13.78

-79.54%

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

Last update for Varna: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Varna

$482 34.2%

Ubud, Bali

$672 49.8% 39.4% $190

Groceries & Markets

Varna

$272 19.3%

Ubud, Bali

$288 21.4% 6.2% $17

Monthly Utilities & Internet

Varna

$212 15.1%

Ubud, Bali

$104 7.7% 50.9% $108

Eating Out

Varna

$200 14.2%

Ubud, Bali

$108 8% 46.1% $92

Clothing & Footwear

Varna

$135 9.6%

Ubud, Bali

$108 8% 20.4% $28

Sport & Entertainment

Varna

$70 4.9%

Ubud, Bali

$58 4.3% 16.6% $12

Getting Around

Varna

$39 2.7%

Ubud, Bali

$11 0.9% 70.4% $27

Cost Breakdown

A one-bedroom apartment in the center runs $640 in Varna and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varna pays about 7.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $60 in Varna vs $36 in Ubud, Bali. Groceries flip the comparison at $272 vs $288, with Varna cheaper for home cooking.

Good to know

🇧🇬 Varna

🇮🇩 Ubud, Bali

🕒 Local time

21:02 9:02 PM

03:02 3:02 AM

6 h ahead of Varna

🌤 Weather

👥 Population

348,058

74,800

💱 Currency

Bulgarian Lev BGN лв.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BGN = 0.568 USD

1 BGN = 0.51 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to BGN – Bulgarian Lev Converter

🇺🇸 United States Dollar ($)

🇧🇬 Bulgarian Lev (лв.)

Bulgarian Lev exchange rates as of October 28, 2026: 1 USD = 1.76 BGN (1 BGN = 0.568 USD). 1 EUR = 1.96 BGN (1 BGN = 0.51 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to BGN in detail →

On the map

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Between locations

Varna Ubud, Bali 10,440 km ≈ 14 h nonstop flight

From you

Varna
Ubud, Bali

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 Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 4% 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 in Varna is about 7.8 times higher, 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: $640 in Varna versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $498 in Varna versus $491 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 6% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 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.

It comes down to priorities – Ubud, Bali wins on affordability, Varna on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.