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: $1,070 in Veliko Tarnovo versus $1,396 in Ubud, Bali.

Estimated couple costs with rent: $1,686 in Veliko Tarnovo versus $2,334 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,302 in Veliko Tarnovo versus $3,273 in Ubud, Bali.

Living in Veliko Tarnovo costs roughly 23% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: Veliko Tarnovo is 22% below, Ubud, Bali is 2% above.

Meal at Budget Restaurant

$11.80 BGN 19.62

$3.37 Rp 59.7K

250.15%

Three-Course Dinner for Two, Mid-Range

$48.39 BGN 80.5

$38.59 Rp 682.4K

25.40%

Fast Food Meal (McDonalds, etc)

$10.21 BGN 16.99

$5.52 Rp 97.6K

84.96%

Cappuccino

$2.06 BGN 3.43

$2.64 Rp 46.8K

-21.97%

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

$1.33 BGN 2.22

$1.67 Rp 29.6K

-20.36%

Water (0.33 liter bottle)

$1.08 BGN 1.80

$0.77 Rp 13.6K

40.26%

Local Beer (0.5 liter draught)

$1.82 BGN 3.03

$2.63 Rp 46.6K

-30.80%

Imported Beer (0.33 liter bottle)

$3.04 BGN 5.06

$4.28 Rp 75.7K

-28.97%

Milk (1 liter)

$1.98 BGN 3.30

$1.55 Rp 27.3K

27.74%

White Bread (500g)

$1.04 BGN 1.74

$2.22 Rp 39.3K

-53.15%

Rice (white) (1kg)

$2.74 BGN 4.56

$1.13 Rp 19.9K

142.48%

Eggs

$3.43 BGN 5.71

$2.09 Rp 36.9K

64.11%

Local Cheese (1kg)

$10.86 BGN 18.07

$17.39 Rp 307.6K

-37.55%

Chicken Fillets (1kg)

$8.45 BGN 14.05

$3.87 Rp 68.4K

118.35%

Beef Round Steak (1kg)

$13.24 BGN 22.03

$12.55 Rp 221.9K

5.50%

Apples (1kg)

$1.68 BGN 2.79

$3.62 Rp 63.9K

-53.59%

Banana (1kg)

$2.02 BGN 3.36

$1.56 Rp 27.6K

29.49%

Oranges (1kg)

$2.04 BGN 3.40

$2.35 Rp 41.6K

-13.19%

Tomato (1kg)

$2.74 BGN 4.56

$2.06 Rp 36.4K

33.01%

Potato (1kg)

$1.13 BGN 1.88

$1.90 Rp 33.6K

-40.53%

Onion (1kg)

$1.24 BGN 2.07

$2.34 Rp 41.3K

-47.01%

Lettuce (1 head)

$1.05 BGN 1.75

$1.03 Rp 18.2K

1.94%

Water (1.5 liter bottle)

$0.80 BGN 1.33

$0.55 Rp 9,809

45.45%

Cigarettes 20 Pack (Marlboro, Camel)

$4.11 BGN 6.83

$2.25 Rp 39.8K

82.67%

Wine (Bottle)

$6.72 BGN 11.18

$23.81 Rp 421.0K

-71.78%

Local Beer (0.5 liter bottle)

$1.20 BGN 2.00

$2.31 Rp 40.9K

-48.05%

Imported Beer (0.33 liter bottle)

$1.71 BGN 2.85

$2.80 Rp 49.5K

-38.93%

One-way Ticket (Public Transport)

$0.91 BGN 1.52

$0.27 Rp 4,816

237.04%

Public Transport Monthly Pass (Regular Price)

$23.67 BGN 39.37

$8.66 Rp 153.2K

173.33%

Taxi Start (Normal Tariff)

$1.21 BGN 2.01

$0.48 Rp 8,515

152.08%

Taxi (Normal Tariff) (1km)

$0.72 BGN 1.20

$0.45 Rp 7,887

60.00%

Taxi 1hour Waiting (Normal Tariff)

$12.05 BGN 20.04

$5.72 Rp 101.1K

110.66%

Gasoline (1 liter)

$1.52 BGN 2.52

$0.76 Rp 13.4K

100.00%

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

$31.7K BGN 52.7K

$24.5K Rp 433.0M

29.35%

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

$31.8K BGN 53.0K

$32.1K Rp 568.0M

-0.90%

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

$107 BGN 179

$83.6 Rp 1.5M

28.56%

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

$19.33 BGN 32.16

$6.46 Rp 114.2K

199.23%

Internet (50+ Mbps, Unlimited Data)

$14.59 BGN 24.27

$18.99 Rp 335.9K

-23.17%

Gym Membership (Monthly)

$31.04 BGN 51.6

$56.0 Rp 989.8K

-44.54%

Tennis Court (1 Hour on Weekend)

$21.21 BGN 35.28

$18.62 Rp 329.2K

13.91%

Cinema Ticket

$7.34 BGN 12.21

$4.28 Rp 75.7K

71.50%

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

$487 Rp 8.6M

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

Jeans (Levis 501 Or Similar)

$49.30 BGN 82.0

$45.56 Rp 805.6K

8.21%

Summer Dress (H&M, Zara, etc)

$32.21 BGN 53.6

$36.38 Rp 643.3K

-11.46%

Sport Shoes (Adidas, Nike)

$128 BGN 213

$82.0 Rp 1.4M

55.91%

Men's Leather Business Shoes

$99.4 BGN 165

$80.4 Rp 1.4M

23.58%

1-bedroom Apartment, City Center (Monthly)

$365 BGN 608

$1,117 Rp 19.7M

-67.28%

1-bedroom Apartment, Outside City Center (Monthly)

$272 BGN 452

$701 Rp 12.4M

-61.25%

3-bedroom Apartment, City Center (Monthly)

$593 BGN 987

$3,537 Rp 62.5M

-83.22%

3-bedroom Apartment, Outside City Center (Monthly)

$438 BGN 729

$1,762 Rp 31.2M

-75.15%

Buy Apartment in City Center (m2)

$2,510 BGN 4,176

$2,826 Rp 50.0M

-11.18%

Buy Apartment Outside City Center (m2)

$1,386 BGN 2,305

$2,292 Rp 40.5M

-39.53%

Average Monthly Net Salary (After Tax)

$953 BGN 1,586

$170 Rp 3.0M

461.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.18

13.78

-76.92%

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

Last update for Veliko Tarnovo: August 29, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $365 in Veliko Tarnovo and $1,117 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Veliko Tarnovo pays 461% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $48.00 in Veliko Tarnovo vs $39.00 in Ubud, Bali. Groceries flip the comparison at $254 vs $293, 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 31% 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.

Average pay runs 461% higher in Veliko Tarnovo, 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: $365 in Veliko Tarnovo versus $1,117 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 15% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,070 per month in Veliko Tarnovo versus $1,396 in Ubud, Bali – a 31% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,070 in Veliko Tarnovo versus $1,396 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 $1,070 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 31% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.