Last update: Oct 2026

Cost of Living Comparison Between Veliko Tarnovo and Ubud, Bali

For one person, living is cheaper in Veliko Tarnovo: $1,006 a month against $1,368 in Ubud, Bali, rent and utilities included – about $4,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

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Cost of Living Index in Veliko Tarnovo
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Veliko Tarnovo Living Index
67

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

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Veliko Tarnovo

🇧🇬 Bulgaria

$1,006

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Veliko Tarnovo 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 Veliko Tarnovo and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,006 in Veliko Tarnovo versus $1,368 in Ubud, Bali.

Veliko Tarnovo $1,006
Ubud, Bali $1,368

Estimated couple costs with rent: $1,574 in Veliko Tarnovo versus $2,314 in Ubud, Bali.

Veliko Tarnovo $1,574
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $2,141 in Veliko Tarnovo versus $3,260 in Ubud, Bali.

Veliko Tarnovo $2,141
Ubud, Bali $3,260

Living in Veliko Tarnovo costs roughly 26% less than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Veliko Tarnovo is 25% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$11.12 BGN 19.35

$3.33 Rp 59.9K

233.93%

Three-Course Dinner for Two, Mid-Range

$39.76 BGN 69.2

$35.18 Rp 633.2K

13.02%

Fast Food Meal (McDonalds, etc)

$9.61 BGN 16.73

$5.80 Rp 104.5K

65.69%

Cappuccino

$1.85 BGN 3.21

$2.73 Rp 49.1K

-32.23%

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

$1.31 BGN 2.29

$1.64 Rp 29.5K

-20.12%

Water (0.33 liter bottle)

$0.88 BGN 1.53

$0.83 Rp 15.0K

6.02%

Local Beer (0.5 liter draught)

$2.03 BGN 3.53

$2.70 Rp 48.6K

-24.81%

Imported Beer (0.33 liter bottle)

$2.79 BGN 4.85

$4.30 Rp 77.4K

-35.12%

Milk (1 liter)

$1.86 BGN 3.23

$1.50 Rp 27.1K

24.00%

White Bread (500g)

$1.05 BGN 1.83

$2.30 Rp 41.4K

-54.35%

Rice (white) (1kg)

$2.48 BGN 4.31

$1.18 Rp 21.2K

110.17%

Eggs

$3.67 BGN 6.39

$2.14 Rp 38.6K

71.50%

Local Cheese (1kg)

$10.17 BGN 17.70

$17.48 Rp 314.6K

-41.82%

Chicken Fillets (1kg)

$8.00 BGN 13.92

$4.03 Rp 72.5K

98.51%

Beef Round Steak (1kg)

$12.43 BGN 21.63

$12.23 Rp 220.1K

1.64%

Apples (1kg)

$1.60 BGN 2.78

$3.55 Rp 63.9K

-54.93%

Banana (1kg)

$2.05 BGN 3.57

$1.57 Rp 28.3K

30.57%

Oranges (1kg)

$1.96 BGN 3.41

$2.24 Rp 40.2K

-12.50%

Tomato (1kg)

$2.58 BGN 4.48

$1.93 Rp 34.7K

33.68%

Potato (1kg)

$1.09 BGN 1.90

$1.88 Rp 33.9K

-42.02%

Onion (1kg)

$1.17 BGN 2.04

$2.29 Rp 41.3K

-48.91%

Lettuce (1 head)

$0.98 BGN 1.70

$0.99 Rp 17.9K

-1.01%

Water (1.5 liter bottle)

$0.73 BGN 1.27

$0.53 Rp 9,475

37.74%

Cigarettes 20 Pack (Marlboro, Camel)

$4.10 BGN 7.13

$2.28 Rp 41.1K

79.82%

Wine (Bottle)

$6.72 BGN 11.69

$23.01 Rp 414.2K

-70.80%

Local Beer (0.5 liter bottle)

$1.21 BGN 2.10

$2.34 Rp 42.2K

-48.29%

Imported Beer (0.33 liter bottle)

$1.61 BGN 2.79

$2.91 Rp 52.4K

-44.67%

One-way Ticket (Public Transport)

$0.90 BGN 1.56

$0.24 Rp 4,315

275.00%

Public Transport Monthly Pass (Regular Price)

$23.23 BGN 40.42

$8.82 Rp 158.7K

163.38%

Taxi Start (Normal Tariff)

$1.16 BGN 2.02

$0.48 Rp 8,684

141.67%

Taxi (Normal Tariff) (1km)

$0.67 BGN 1.17

$0.46 Rp 8,233

45.65%

Taxi 1hour Waiting (Normal Tariff)

$11.18 BGN 19.46

$5.45 Rp 98.2K

105.14%

Gasoline (1 liter)

$1.56 BGN 2.71

$0.88 Rp 15.9K

77.27%

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

$30.5K BGN 53.1K

$24.6K Rp 442.2M

24.21%

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

$30.6K BGN 53.3K

$31.2K Rp 561.4M

-1.83%

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

$95.9 BGN 167

$83.0 Rp 1.5M

15.47%

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

$18.81 BGN 32.73

$6.45 Rp 116.0K

191.63%

Internet (50+ Mbps, Unlimited Data)

$15.86 BGN 27.59

$18.57 Rp 334.2K

-14.59%

Gym Membership (Monthly)

$30.50 BGN 53.1

$55.8 Rp 1.0M

-45.36%

Tennis Court (1 Hour on Weekend)

$19.69 BGN 34.26

$18.11 Rp 326.0K

8.72%

Cinema Ticket

$6.91 BGN 12.02

$4.38 Rp 78.9K

57.76%

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

$493 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

Jeans (Levis 501 Or Similar)

$46.95 BGN 81.7

$46.19 Rp 831.4K

1.65%

Summer Dress (H&M, Zara, etc)

$30.58 BGN 53.2

$35.33 Rp 636.0K

-13.44%

Sport Shoes (Adidas, Nike)

$122 BGN 213

$79.1 Rp 1.4M

54.42%

Men's Leather Business Shoes

$93.1 BGN 162

$78.4 Rp 1.4M

18.80%

1-bedroom Apartment, City Center (Monthly)

$351 BGN 611

$1,142 Rp 20.6M

-69.28%

1-bedroom Apartment, Outside City Center (Monthly)

$260 BGN 453

$676 Rp 12.2M

-61.47%

3-bedroom Apartment, City Center (Monthly)

$572 BGN 995

$3,503 Rp 63.1M

-83.68%

3-bedroom Apartment, Outside City Center (Monthly)

$420 BGN 731

$1,700 Rp 30.6M

-75.29%

Buy Apartment in City Center (m2)

$2,407 BGN 4,187

$2,784 Rp 50.1M

-13.56%

Buy Apartment Outside City Center (m2)

$1,364 BGN 2,373

$2,241 Rp 40.3M

-39.13%

Average Monthly Net Salary (After Tax)

$952 BGN 1,657

$165 Rp 3.0M

478.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.74

13.78

-80.12%

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

Last update for Veliko Tarnovo: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Veliko Tarnovo

$260 25.9%

Ubud, Bali

$676 49.4% 160% $415

Groceries & Markets

Veliko Tarnovo

$244 24.2%

Ubud, Bali

$290 21.2% 19.3% $47

Eating Out

Veliko Tarnovo

$164 16.3%

Ubud, Bali

$109 8% 33.9% $56

Clothing & Footwear

Veliko Tarnovo

$132 13.1%

Ubud, Bali

$108 7.9% 18.4% $24

Monthly Utilities & Internet

Veliko Tarnovo

$131 13%

Ubud, Bali

$108 7.9% 17.2% $22

Sport & Entertainment

Veliko Tarnovo

$44 4.4%

Ubud, Bali

$65 4.7% 45.7% $20

Getting Around

Veliko Tarnovo

$31 3.1%

Ubud, Bali

$13 0.9% 60% $19

Cost Breakdown

A one-bedroom apartment in the center runs $351 in Veliko Tarnovo and $1,142 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: $40.00 in Veliko Tarnovo vs $35.00 in Ubud, Bali. Groceries flip the comparison at $244 vs $290, with Veliko Tarnovo cheaper for home cooking.

Good to know

🇧🇬 Veliko Tarnovo

🇮🇩 Ubud, Bali

🕒 Local time

18:25 6:25 PM

23:25 11:25 PM

5 h ahead of Veliko Tarnovo

🌤 Weather

👥 Population

71,150

74,800

💱 Currency

Bulgarian Lev BGN лв.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BGN = 0.575 USD

1 BGN = 0.511 EUR

100,000 IDR = 5.56 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 19, 2026: 1 USD = 1.74 BGN (1 BGN = 0.575 USD). 1 EUR = 1.96 BGN (1 BGN = 0.511 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to BGN in detail →

On the map

Lowest

Highest

Between locations

Veliko Tarnovo Ubud, Bali 10,620 km ≈ 14 h nonstop flight

From you

Veliko Tarnovo
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

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

Veliko Tarnovo wins on cost – living expenses run 36% 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 479% 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: $351 in Veliko Tarnovo versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 19% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,006 per month in Veliko Tarnovo versus $1,368 in Ubud, Bali – a 36% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,006 in Veliko Tarnovo versus $1,368 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 $1,006 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 36% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.