Cost of Living Comparison Between Veliko Tarnovo and Ubud, Bali Cost of Living Comparison Between Veliko Tarnovo and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $952 in Veliko Tarnovo versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $1,535 in Veliko Tarnovo versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,118 in Veliko Tarnovo versus $3,660 in Ubud, Bali.

Living in Veliko Tarnovo costs roughly 33% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Veliko Tarnovo is 29% below, Ubud, Bali is 6% above.

Meal at Budget Restaurant

$10.28 BGN 17.10

$3.56 Rp 63.7K

188.76%

Three-Course Dinner for Two, Mid-Range

$41.04 BGN 68.3

$32.73 Rp 584.5K

25.39%

Fast Food Meal (McDonalds, etc)

$8.77 BGN 14.60

$4.95 Rp 88.4K

77.17%

Cappuccino

$1.89 BGN 3.14

$2.71 Rp 48.4K

-30.26%

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

$1.37 BGN 2.27

$1.34 Rp 24.0K

2.24%

Water (0.33 liter bottle)

$0.67 BGN 1.11

$0.70 Rp 12.5K

-4.29%

Local Beer (0.5 liter draught)

$1.96 BGN 3.26

$2.92 Rp 52.1K

-32.88%

Imported Beer (0.33 liter bottle)

$2.87 BGN 4.78

$3.96 Rp 70.7K

-27.53%

Milk (1 liter)

$1.63 BGN 2.70

$1.81 Rp 32.3K

-9.94%

White Bread (500g)

$0.95 BGN 1.59

$2.52 Rp 45.0K

-62.30%

Rice (white) (1kg)

$1.87 BGN 3.12

$1.16 Rp 20.7K

61.21%

Eggs

$3.39 BGN 5.64

$2.46 Rp 43.9K

37.80%

Local Cheese (1kg)

$9.61 BGN 15.99

$14.71 Rp 262.7K

-34.67%

Chicken Fillets (1kg)

$8.04 BGN 13.38

$4.32 Rp 77.1K

86.11%

Beef Round Steak (1kg)

$11.58 BGN 19.26

$12.14 Rp 216.7K

-4.61%

Apples (1kg)

$1.64 BGN 2.73

$3.84 Rp 68.6K

-57.29%

Banana (1kg)

$2.11 BGN 3.50

$1.56 Rp 27.8K

35.26%

Oranges (1kg)

$1.97 BGN 3.28

$2.83 Rp 50.6K

-30.39%

Tomato (1kg)

$2.56 BGN 4.25

$2.33 Rp 41.5K

9.87%

Potato (1kg)

$1.14 BGN 1.90

$1.91 Rp 34.2K

-40.31%

Onion (1kg)

$1.30 BGN 2.16

$2.20 Rp 39.3K

-40.91%

Lettuce (1 head)

$1.06 BGN 1.76

$1.01 Rp 18.1K

4.95%

Water (1.5 liter bottle)

$0.77 BGN 1.29

$0.78 Rp 13.8K

-1.28%

Cigarettes 20 Pack (Marlboro, Camel)

$3.56 BGN 5.92

$3.32 Rp 59.2K

7.23%

Wine (Bottle)

$6.96 BGN 11.59

$23.74 Rp 423.9K

-70.68%

Local Beer (0.5 liter bottle)

$0.96 BGN 1.59

$2.79 Rp 49.8K

-65.59%

Imported Beer (0.33 liter bottle)

$1.68 BGN 2.80

$2.86 Rp 51.1K

-41.26%

One-way Ticket (Public Transport)

$0.89 BGN 1.49

$0.27 Rp 4,800

229.63%

Public Transport Monthly Pass (Regular Price)

$33.54 BGN 55.8

$8.03 Rp 143.4K

317.68%

Taxi Start (Normal Tariff)

$1.17 BGN 1.95

$0.46 Rp 8,150

154.35%

Taxi (Normal Tariff) (1km)

$0.63 BGN 1.05

$0.45 Rp 8,037

40.00%

Taxi 1hour Waiting (Normal Tariff)

$11.58 BGN 19.26

$6.10 Rp 108.9K

89.84%

Gasoline (1 liter)

$1.49 BGN 2.47

$0.79 Rp 14.2K

88.61%

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

$32.7K BGN 54.5K

$26.1K Rp 467.0M

25.21%

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

$25.8K BGN 42.9K

$32.1K Rp 573.6M

-19.65%

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

$93.7 BGN 156

$79.9 Rp 1.4M

17.18%

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

$16.56 BGN 27.56

$4.06 Rp 72.6K

307.88%

Internet (50+ Mbps, Unlimited Data)

$13.12 BGN 21.83

$23.52 Rp 420.0K

-44.22%

Gym Membership (Monthly)

$36.02 BGN 59.9

$98.7 Rp 1.8M

-63.51%

Tennis Court (1 Hour on Weekend)

$22.08 BGN 36.73

$6.63 Rp 118.4K

233.03%

Cinema Ticket

$6.94 BGN 11.54

$4.15 Rp 74.1K

67.23%

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

$232 BGN 386

$304 Rp 5.4M

-23.59%

International Primary School, 1 Child (Yearly)

$4,137 BGN 6,882

$6,613 Rp 118.1M

-37.44%

Jeans (Levis 501 Or Similar)

$45.02 BGN 74.9

$55.5 Rp 991.8K

-18.94%

Summer Dress (H&M, Zara, etc)

$29.43 BGN 48.96

$38.31 Rp 684.1K

-23.18%

Sport Shoes (Adidas, Nike)

$83.2 BGN 138

$88.6 Rp 1.6M

-6.14%

Men's Leather Business Shoes

$70.5 BGN 117

$77.9 Rp 1.4M

-9.41%

1-bedroom Apartment, City Center (Monthly)

$360 BGN 600

$1,006 Rp 18.0M

-64.19%

1-bedroom Apartment, Outside City Center (Monthly)

$261 BGN 434

$675 Rp 12.1M

-61.38%

3-bedroom Apartment, City Center (Monthly)

$572 BGN 952

$3,442 Rp 61.5M

-83.37%

3-bedroom Apartment, Outside City Center (Monthly)

$433 BGN 721

$2,039 Rp 36.4M

-78.75%

Buy Apartment in City Center (m2)

$2,499 BGN 4,157

$2,841 Rp 50.7M

-12.05%

Buy Apartment Outside City Center (m2)

$1,394 BGN 2,320

$2,264 Rp 40.4M

-38.40%

Average Monthly Net Salary (After Tax)

$957 BGN 1,592

$165 Rp 3.0M

479.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.57

13.28

-65.59%

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

Last update for Veliko Tarnovo: May 31, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $360 in Veliko Tarnovo and $1,006 in Ubud, Bali. 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: $41.00 in Veliko Tarnovo vs $33.00 in Ubud, Bali. Groceries flip the comparison at $234 vs $302, with Veliko Tarnovo 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

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

Veliko Tarnovo wins on cost – living expenses run 49% 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.

Veliko Tarnovo pays 479% more on average, 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: $360 in Veliko Tarnovo versus $1,006 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $232 in Veliko Tarnovo versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 29% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $952 in Veliko Tarnovo versus $1,419 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 $952 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Veliko Tarnovo hard to pass up.

Safety-wise, Veliko Tarnovo 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 Veliko Tarnovo gentler on the wallet – expenses run 49% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.