Cost of Living in Bulgaria

Although salaries are equally low, the cost of living in Bulgaria is affordable, especially for expats who are often paid generously. The Mercer Cost of Living Survey for 2024 ranked Sofia, Bulgaria’s capital, as the 162nd most expensive city in the world out of 226 cities.

Bulgaria may not always be ideal for working professionals, but it shines as a destination for retirees from Western Europe or the US. Retiring in Bulgaria means enjoying a European lifestyle without the hefty price tag. With favourable currency exchange rates, you can buy property more affordably and make the most of your pension.

Cost of accommodation in Bulgaria

The cost of accommodation in Bulgaria is generally affordable, especially compared to larger cities in Western Europe or the US. Renting an apartment even in Sofia’s city centre is often more budget-friendly than you might expect, and the costs drop even further in the suburbs and smaller towns.

When securing a lease, you should be prepared to pay agent fees ranging from half to one month’s rent, the first month’s rent in advance, and a refundable security deposit, usually equivalent to one month’s rent. You can choose from various housing options, including sleek, modern apartments, spacious houses, or charming traditional homes, each offering something unique.

Sofia and Varna remain the most popular cities for expats, offering lively cultural scenes and all the conveniences of modern city living. Alternatively, if you prefer a more coastal or historical atmosphere, cities like Burgas and Plovdiv might be just what you’re after.

Ready to find your new home? Learn more in our guide to Accommodation in Bulgaria.

Cost of transport in Bulgaria

The cost of public transport in Bulgaria is very affordable, making it practical to get around a city and even travel across the country. Public transport options include buses, trams, trolleybuses, and the metro, all of which provide extensive coverage and are generally reliable. Monthly or yearly passes can save even more, making moving about without a car easy.

Buses, like the trams running in several city centres, are a budget-friendly option for your daily commute. Sofia also has a widely used metro system, with fares significantly cheaper than those in Western Europe or the US. For convenience, taxis are also quite affordable, although it is best to use reputable companies to avoid any unexpected costs.

Want to learn more about getting around? Read our guide to Public Transport in Bulgaria.

Cost of groceries in Bulgaria

Bulgaria’s relatively low cost of living also extends to grocery shopping. Numerous supermarket chains are popular in Bulgaria, including BILLA, Lidl, Kaufland, Metro, and Fantastico. These offer various options, from discount groceries to a wider selection of imported products.

While prices at large grocery shops are competitive, local markets tend to be the best place for bargains, especially when it comes to fruits and vegetables. Imported foods like cheese, dairy, and certain meats can be quite expensive, largely due to limited local production and reliance on imports.

Cost of entertainment and eating out in Bulgaria

Eating out in Bulgaria is very affordable, making it easy to enjoy a night out without breaking the bank. Local restaurants offer traditional Bulgarian dishes like shopska salad, moussaka, and kebapche at highly reasonable prices. Even mid-range and high-end restaurants are considerably cheaper than those in Western Europe or the US, allowing you to dine well for less.

Entertainment in Bulgaria is equally accessible, with cinemas, theatres, and cultural events all offering excellent value. The National Palace of Culture (NDK) in Sofia regularly hosts concerts and exhibitions, and the Sofia Opera and Ballet provide incredible performances at a fraction of the cost of similar venues elsewhere in Europe.

The cost of nightlife is also a big draw, with drinks in bars and clubs much cheaper than in many other EU countries. Whether it’s a pint of beer or a cocktail, enjoying a night out is far less costly than in cities like London, UK, Paris, France, or Berlin, Germany.

Cost of education in Bulgaria

If you have children, Bulgaria's public education cost is appealing. Public schools are free and compulsory up to the age of 16, but the language of instruction is Bulgarian, which can be challenging for non-native speakers.

Many public schools provide Bulgarian language classes for international students, which can help with the transition. The quality of education in public schools can vary greatly depending on the region, with urban schools often having better resources than rural areas.

Private and international schools are a popular choice among expats, especially those who want their children to learn in English or another foreign language. These schools generally offer smaller classes, modern teaching methods, and a more personalised learning experience.

They usually follow foreign curricula, such as the British or American systems, and include advanced language programmes, making them an excellent option if you want a higher standard of education for your children. Be prepared, though, as the fees for these schools can be a significant part of your budget.

Interested in learning more about schooling options? Check out our guide to Education in Bulgaria.

Cost of healthcare in Bulgaria

The cost of healthcare in Bulgaria depends on whether you use public or private services. Public healthcare is available to all residents through the National Health Insurance Fund (NHIF), but public hospitals can be hit-or-miss, frequently struggling with longer wait times and less modern facilities. Emergency care is covered, but it can be a bit of a mixed bag for routine or specialist appointments.

On the other hand, private healthcare offers faster service and better quality facilities, which is why many expats choose this option. Private clinics and hospitals also typically have English-speaking staff, making the process smoother if you don’t speak Bulgarian.

Private healthcare costs are relatively low compared to Western Europe, which means you get high-quality care without the premium price tag. Health insurance is mandatory, and it’s a good idea to look into expat-friendly insurance providers to cover private medical costs.

Need more information on medical services? Read our comprehensive guide to Healthcare in Bulgaria.

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 October 2024.