Expats will enjoy a low cost of living in Bulgaria, although the salaries are equally low. Though not the best place for working expats, Bulgaria is a good pick for retirees from Western Europe or the US. Thanks to currency conversions, they can buy property more cheaply while extending the purchasing power of their pensions. Retired expats living in Bulgaria can thus enjoy a European lifestyle at a cheaper cost.
The Mercer Cost of Living Survey for 2023 ranked Sofia, Bulgaria's capital, as the 168th most expensive city in the world out of 227 cities. This places the cost of living somewhere between Budapest, Hungary and Warsaw, Poland.
Cost of accommodation in Bulgaria
The cost of accommodation in Bulgaria is generally inexpensive, especially compared to larger cities in Western Europe or the US. Renting an apartment in the city centre is more affordable than one might expect, and even more so in the suburbs and smaller towns. Expats can choose from various options, including modern apartments, houses, or more traditional homes with a unique Bulgarian charm.
When securing a lease, expats are expected to pay agent fees, the first month's rent in advance, and a refundable security deposit, usually equivalent to one month's rent.
Cost of transport in Bulgaria
The cost of public transport in Bulgaria is affordable, and its general reliability makes it easy for expats to get around the city and the country without spending a fortune. Most Bulgarians in cities commute by bus, which is similarly priced to the tram systems that run in some city centres.
Buses, trams, and metro systems are all available, with tickets costing a fraction of what one might expect in Western Europe or the US. Taxis are also relatively cheap, though it's important to use reputable companies to avoid being overcharged.
Cost of groceries in Bulgaria
The relatively low cost of living in Bulgaria also extends to grocery shopping. Locally produced fruits, vegetables and dairy products are typically inexpensive and of excellent quality, and many expats will find that their weekly shopping bill is significantly lower than in their home country. For the best prices, it's worth visiting local markets, where the produce is not only fresher but also cheaper than in supermarkets. Naturally, imported foods will be pricier than local items.
Cost of entertainment and eating out in Bulgaria
Eating out in Bulgaria is fairly cheap relative to most countries in the EU, making it easy for expats to enjoy a night out without overspending. There are numerous local restaurants serving traditional Bulgarian cuisine at highly reasonable prices. Expats from Western Europe or the US will find that even mid-range and high-end restaurants are more affordable than in their home countries.
The same can be said for entertainment, with cinemas, theatres, and other cultural events being accessible at a lower cost. Alcohol is also affordable, and Bulgaria's cities have an active nightlife scene.
Cost of education in Bulgaria
The cost of public education in Bulgaria is appealing to expats with children. However, it's only really an option if the little ones either already know Bulgarian or are young enough to pick it up, since it's the language of instruction. If this isn't an issue, expat families can enjoy free and compulsory schooling available at public schools until the age of 16.
On the other hand, most expats opt to send their children to private or international schools, which offer education in English or other foreign languages, but at a higher cost. Expats sending their children to international schools will find that school fees are their most significant expense.
Cost of healthcare in Bulgaria
The cost of healthcare in Bulgaria varies depending on whether expats choose to use public or private options. Public healthcare is free for residents, but the quality and waiting times can be inconsistent. Private healthcare offers a higher standard of care but comes with a higher price tag. Even so, private healthcare costs are still lower than in many Western countries, making it a viable option for expats who require regular medical attention or prefer a higher standard of care.
Cost of living chart for Bulgaria
Prices may vary depending on the product and service provider. The list below shows average prices for Sofia in August 2023.
Accommodation (monthly rent) |
|
Three-bedroom apartment in the city centre |
BGN 1,530 |
Three-bedroom apartment outside the city centre |
BGN 1,050 |
One-bedroom apartment in the city centre |
BGN 860 |
One-bedroom apartment outside the city centre |
BGN 660 |
Food and drink |
|
Dozen eggs |
BGN 8 |
Milk (1 litre) |
BGN 3.20 |
Rice (1kg) |
BGN 3.66 |
Loaf of white bread |
BGN 1.88 |
Chicken breasts (1kg) |
BGN 18 |
Pack of cigarettes (Marlboro) |
BGN 6 |
Eating out |
|
Three-course meal for two at a mid-range restaurant |
BGN 83 |
Big Mac meal |
BGN 15 |
Coca-Cola (330ml) |
BGN 2.53 |
Cappuccino |
BGN 4.01 |
Bottle of beer (local) |
BGN 1.54 |
Utilities/household |
|
Mobile call rate (per minute – mobile to mobile) |
BGN 0.38 |
Internet (uncapped ADSL or cable – average per month) |
BGN 16 |
Basic utilities (average per month for a standard household) |
BGN 240 |
Transportation |
|
Taxi rate/km |
BGN 1.22 |
City-centre public transport fare |
BGN 1.60 |
Gasoline (per litre) |
BGN 2.93 |
Further reading
►For expat money matters, see Banking, Money and Taxes in Bulgaria.
►Read about Accommodation in Bulgaria to learn more about the property market in the country.
Expat Experiences
"Most things are cheaper in Bulgaria than they are in the UK. Property is certainly cheaper. If you shop at the local markets, food is pretty cheap (supermarkets, on the other hand, are more expensive here than in the UK). Eating out, beer, wine, public transport, building supplies, monthly bills, car repairs… they’re all cheaper here. Petrol is also cheaper here, although not by much."
Learn more about Claire, a British expat, and her experience of life in Bulgaria.
Are you an expat living in Bulgaria?
Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Bulgaria. Please contact us if you'd like to contribute.
Expat Health Insurance
Cigna Global Health Insurance - 10% off any plans bought in November and December 2023
With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider. Cigna is currently offering a 10% discount for seniors (over 60) on their Silver package.
Moving Internationally?
International Movers. Get Quotes. Compare Prices.
Sirelo has a network of more than 500 international removal companies that can move your furniture and possessions to your new home. By filling in a form, you’ll get up to 5 quotes from recommended movers. This service is free of charge and will help you select an international moving company that suits your needs and budget.
Get your free no-obligation quotes from select removal companies now!