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: $971 in Veliko Tarnovo versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $1,528 in Veliko Tarnovo versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,085 in Veliko Tarnovo versus $3,763 in Ubud, Bali.

Living in Veliko Tarnovo costs roughly 31% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Veliko Tarnovo is 27% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$10.37 BGN 17.25

$3.45 Rp 62.0K

200.58%

Three-Course Dinner for Two, Mid-Range

$40.59 BGN 67.5

$32.34 Rp 580.1K

25.51%

Fast Food Meal (McDonalds, etc)

$9.09 BGN 15.11

$4.84 Rp 86.9K

87.81%

Cappuccino

$1.87 BGN 3.10

$2.75 Rp 49.3K

-32.00%

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

$1.38 BGN 2.29

$1.38 Rp 24.8K

Water (0.33 liter bottle)

$0.66 BGN 1.10

$0.75 Rp 13.5K

-12.00%

Local Beer (0.5 liter draught)

$1.93 BGN 3.22

$2.99 Rp 53.7K

-35.45%

Imported Beer (0.33 liter bottle)

$2.99 BGN 4.97

$3.85 Rp 69.1K

-22.34%

Milk (1 liter)

$1.68 BGN 2.80

$1.74 Rp 31.1K

-3.45%

White Bread (500g)

$0.91 BGN 1.51

$2.46 Rp 44.1K

-63.01%

Rice (white) (1kg)

$1.97 BGN 3.28

$1.17 Rp 21.0K

68.38%

Eggs

$3.28 BGN 5.46

$2.43 Rp 43.6K

34.98%

Local Cheese (1kg)

$9.50 BGN 15.80

$14.50 Rp 260.2K

-34.48%

Chicken Fillets (1kg)

$7.88 BGN 13.10

$4.35 Rp 78.0K

81.15%

Beef Round Steak (1kg)

$11.50 BGN 19.14

$11.98 Rp 214.9K

-4.01%

Apples (1kg)

$1.65 BGN 2.75

$3.72 Rp 66.7K

-55.65%

Banana (1kg)

$2.06 BGN 3.42

$1.63 Rp 29.2K

26.38%

Oranges (1kg)

$2.01 BGN 3.35

$2.74 Rp 49.2K

-26.64%

Tomato (1kg)

$2.49 BGN 4.14

$2.24 Rp 40.2K

11.16%

Potato (1kg)

$1.20 BGN 2.00

$1.92 Rp 34.4K

-37.50%

Onion (1kg)

$1.35 BGN 2.25

$2.28 Rp 40.8K

-40.79%

Lettuce (1 head)

$1.01 BGN 1.67

$1.06 Rp 19.1K

-4.72%

Water (1.5 liter bottle)

$0.80 BGN 1.32

$0.72 Rp 12.9K

11.11%

Cigarettes 20 Pack (Marlboro, Camel)

$3.58 BGN 5.95

$3.29 Rp 58.9K

8.81%

Wine (Bottle)

$6.64 BGN 11.04

$23.19 Rp 416.1K

-71.37%

Local Beer (0.5 liter bottle)

$0.95 BGN 1.58

$2.78 Rp 49.8K

-65.83%

Imported Beer (0.33 liter bottle)

$1.61 BGN 2.68

$2.73 Rp 49.0K

-41.03%

One-way Ticket (Public Transport)

$0.86 BGN 1.43

$0.27 Rp 4,778

218.52%

Public Transport Monthly Pass (Regular Price)

$34.46 BGN 57.3

$8.11 Rp 145.4K

324.91%

Taxi Start (Normal Tariff)

$1.21 BGN 2.01

$0.48 Rp 8,659

152.08%

Taxi (Normal Tariff) (1km)

$0.62 BGN 1.02

$0.42 Rp 7,532

47.62%

Taxi 1hour Waiting (Normal Tariff)

$11.97 BGN 19.91

$6.22 Rp 111.6K

92.44%

Gasoline (1 liter)

$1.56 BGN 2.60

$0.81 Rp 14.6K

92.59%

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

$32.0K BGN 53.3K

$26.6K Rp 477.4M

20.32%

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

$26.1K BGN 43.4K

$32.2K Rp 577.4M

-18.96%

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

$93.9 BGN 156

$78.4 Rp 1.4M

19.86%

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

$16.63 BGN 27.67

$4.07 Rp 73.0K

308.60%

Internet (50+ Mbps, Unlimited Data)

$13.38 BGN 22.26

$24.33 Rp 436.4K

-45.01%

Gym Membership (Monthly)

$35.95 BGN 59.8

$98.6 Rp 1.8M

-63.54%

Tennis Court (1 Hour on Weekend)

$21.78 BGN 36.24

$6.34 Rp 113.7K

243.53%

Cinema Ticket

$7.00 BGN 11.65

$3.99 Rp 71.5K

75.44%

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

$233 BGN 388

$305 Rp 5.5M

-23.63%

International Primary School, 1 Child (Yearly)

$4,168 BGN 6,934

$6,642 Rp 119.2M

-37.25%

Jeans (Levis 501 Or Similar)

$43.83 BGN 72.9

$54.1 Rp 971.2K

-19.04%

Summer Dress (H&M, Zara, etc)

$29.93 BGN 49.78

$37.81 Rp 678.2K

-20.84%

Sport Shoes (Adidas, Nike)

$82.4 BGN 137

$86.8 Rp 1.6M

-5.08%

Men's Leather Business Shoes

$71.5 BGN 119

$76.4 Rp 1.4M

-6.34%

1-bedroom Apartment, City Center (Monthly)

$364 BGN 606

$992 Rp 17.8M

-63.28%

1-bedroom Apartment, Outside City Center (Monthly)

$254 BGN 422

$673 Rp 12.1M

-62.30%

3-bedroom Apartment, City Center (Monthly)

$577 BGN 960

$3,375 Rp 60.5M

-82.90%

3-bedroom Apartment, Outside City Center (Monthly)

$435 BGN 724

$2,050 Rp 36.8M

-78.77%

Buy Apartment in City Center (m2)

$2,514 BGN 4,182

$2,805 Rp 50.3M

-10.38%

Buy Apartment Outside City Center (m2)

$1,388 BGN 2,309

$2,227 Rp 39.9M

-37.68%

Average Monthly Net Salary (After Tax)

$923 BGN 1,536

$167 Rp 3.0M

453.01%

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: July 12, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $364 in Veliko Tarnovo and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Veliko Tarnovo pays 453% 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 $32.00 in Ubud, Bali. Groceries flip the comparison at $232 vs $297, 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 45% 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 453% 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: $364 in Veliko Tarnovo versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $233 in Veliko Tarnovo versus $305 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $971 in Veliko Tarnovo versus $1,408 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 $971 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 45% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.