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Welcome to the land of roses, ancient history, and an incredibly affordable lifestyle – Bulgaria! Join me as I spill the beans on how I uncovered the secrets of living the good life without busting my budget in this charming European gem. I'm about to dish out all the details on the cost of living in Bulgaria, and let me tell you, it's a journey you'll absolutely love.
Housing Cost in Bulgaria
Rental Homes
In bustling cities like Sofia, a one-bedroom apartment in the city center can go for around €450 to €550 per month. But here's the real insider tip: journey a bit further from the city center, and you can find equally fantastic spots for approximately €300 to €400 per month.
Sofia, the Vibrant Capital: Sofia is a vibrant treasure chest of rental options. If you fancy living it up in the city center, a one-bedroom apartment there will set you back around €450 to €550 per month. Venture a little further out, and you can find equally charming spots for about €300 to €400 a month.
Beyond Sofia: In cities like Plovdiv or the coastal haven of Varna, a one-bedroom apartment can be yours for approximately €300 to €400 per month.
My Personal Experience: When I started my Bulgarian adventure, I decided to call Sofia home. My cozy one-bedroom apartment set me back €500 a month. It felt like a slice of heaven, complete with friendly neighbors, buzzing local markets, and vibrant cafes.
Hotels
In Sofia, you can find mid-range hotel rooms starting at €60 to €80 per night. Upscale options are available for around €120 to €180 per night.
Outside Sofia, boutique hotels in Plovdiv and Varna cost around €40 to €70 per night. High-end stays go for €100 to €150.
My Seaside Bliss: My stay at the Modus Hotel in Varna was a coastal dream brought to life. With rates starting at €75 per night, the Modus Hotel turned my Varna getaway into affordable luxury by the sea.
Hostels
Sofia: Dorm beds range from €15 to €30 per night.
Beyond Sofia: Plovdiv and Varna offer dorm beds typically between €15 to €30 per night.
Co-living Spaces
Sofia: Monthly rates range from €400 to €600.
Plovdiv and Varna: Monthly rates range from €350 to €500.
WorkNomads Lab Adventure in Sofia: At WorkNomads Lab in Sofia, I didn’t just find a place to stay; I found a community. Cozy rooms, a coworking space, and weekly events made it unforgettable.
Food and Grocery Shopping Cost in Bulgaria
- 1 liter of milk: €1.00
- 1 kg of bread: €1.50
- 1 kg of rice: €2.50
- 1 kg of chicken breast: €6.00
- 1 kg of local cheese: €7.00
- 1 kg of tomatoes: €2.00
- 1 kg of apples: €2.00
Local Markets: Regional markets like the one in Troyan offer fresh produce at great prices.
Budget-Friendly Markets: Lidl remains a staple, offering weekly groceries for €35 to €45.
Mid-Range Markets: At chains like Fantastico, expect to spend around €45 to €55 per week.
Luxury Markets: High-end shops like BILLA offer gourmet selections, with weekly costs around €60 to €70.
Restaurant Dining Costs
- Inexpensive restaurant meal: €10 to €12
- Three-course meal for two at mid-range restaurant: €30 to €50
- Upscale restaurants: €60 to €90
Must-Try Restaurants: Shtastlivetza in Veliko Tarnovo, and The Little Things in Sofia.
Transportation Cost in Bulgaria
Ready to discover the ins and outs of getting around Bulgaria? Let's break down the nitty-gritty of transportation in this captivating country.
Public Transportation
Public transportation in Bulgaria is both easy on your wallet and efficient. A single ticket for local transport typically costs around 0.70 Euros. Whether you're cruising through Sofia, Varna, or Plovdiv, it's an affordable and convenient way to explore the city. And don't forget about the trams – they're not just a mode of transport; they're a delightful way to soak in the local atmosphere at your own pace. 🚌
If you're seeking adventure, hop aboard one of Bulgaria's scenic train rides. One-way train tickets generally run between 5 to 10 Euros. These journeys are more than just transportation; they're a visual treat, taking you through breathtaking mountains, charming villages, and the very essence of Bulgaria.
When you need to get around the city quickly, taxis are a dependable choice. A typical 5-kilometer ride in Sofia will cost you around 5 to 7 Euros.
Rental Cars
Renting a car in Bulgaria is your passport to exploration, a chance to venture off the beaten path and uncover hidden treasures. Here's the lowdown on rental car options and what you can expect in terms of prices:
-Economy Cars: If you're looking for budget-friendly options, economy cars are a great choice. These nifty little vehicles will cost you around 20 to 30 Euros per day, making them an economical way to zip around the country. They're perfect for city driving and shorter trips.
-Compact Cars: Need a bit more space but still want to keep costs down? Compact cars are the way to go. You can rent one for approximately 25 to 35 Euros per day. They're versatile, fuel-efficient, and can comfortably handle both city and highway driving.
-SUVs and Crossovers: For those seeking a bit more room and capability, renting an SUV or crossover is an option. Prices for these vehicles range from 30 to 50 Euros per day. They offer extra space for passengers and luggage, making them ideal for longer journeys or exploring Bulgaria's diverse terrains.
-Luxury Cars: If you want to travel in style, Bulgaria has options for luxury car rentals. These come at a higher price, typically starting at 70 Euros per day. You can cruise through the country in comfort and elegance, enjoying the finer things in life.
🚗For my adventure, I opted for a Peugeot 208, a nimble and efficient compact car that cost close to 30 Euros per day for a week. It provided the freedom to make spontaneous stops around the green landspaces.
Entertainment and Cultural Activity Costs in Bulgaria
Bulgaria – where the joy of entertainment and culture meets my budget, creating unforgettable memories. Let me share my experiences and top suggestions with you!
The Arts and Culture: Bulgaria is a haven for art lovers. Museums and galleries seem to pop up around every corner, offering a glimpse into the country's rich heritage. The best part? A ticket usually costs anywhere between €5 and €12. But let me share one unforgettable evening. I found myself at Sofia's Ivan Vazov National Theater, and it was like stepping into a world of enchantment. The atmosphere was electric as I enjoyed a world-class performance for just €15. The culture and history in the air were priceless. If you find yourself in Sofia, catch a show at this historic theater – you won't be disappointed!
Music to Your Ears: When it comes to music, Bulgaria is a treasure trove of diverse sounds and talents. Gigs, concerts, and music events are a regular thing, and they usually won't cost you a fortune. A ticket typically falls between €12 and €30. My personal favorite was Sofia Live Club, a place where music came to life. The rock, jazz, and blues gigs were my jam, and the €20 to €30 ticket price was music to my ears. If you're a music enthusiast, make sure to check out a live gig while you're here. You're in for a fantastic night!
Festivals and Traditions: Bulgaria loves to celebrate, and their festivals and traditional events are both lively and affordable. Many are even free or come with a token entrance fee. One experience that etched itself into my memory was attending the Kukeri Festival in Pernik. The traditional masks, the vibrant energy – it was like stepping into another world, and the €7 entrance fee felt like a steal. If you find yourself in Bulgaria during a festival, don't hesitate to dive right in – it's a true Bulgarian experience!
Outdoor Adventures: Bulgaria's natural beauty is a playground for adventurers. Hiking, skiing, and exploring historical sites are not only thrilling but also budget-friendly. A day in the great outdoors can cost as little as €15 to €25. One of my most cherished memories was a hike in the Rila Mountains that led me to the breathtaking Seven Rila Lakes. It cost me around €18 for the day, and the views were worth every penny.
Education and Healthcare Services
In Bulgaria, affordable access to education and healthcare is a cornerstone of the country's commitment to the well-being of its residents and visitors. Here's a closer look at both sectors, complete with average costs:
Education
Higher Education: Studying at Bulgarian universities is known for its affordability, with tuition fees typically ranging from €1,500 to €6,000 per academic year. This wallet-friendly approach extends an inviting hand to international students seeking quality education without breaking the bank.
Primary and Secondary Education: Bulgaria's education system emphasizes compulsory primary and secondary education, with public schools offering this service for free to Bulgarian citizens and legal residents. If you opt for a private school, tuition fees can range from €2,000 to €6,500 annually. The choice is yours based on your child's needs and your budget.
Healthcare
Health Insurance: Bulgaria's healthcare system operates through mandatory health insurance contributions, which are typically around 8.2% of an employee's salary, with both employers and employees sharing the cost. To supplement their coverage, many residents and expats invest in private health insurance, offering added peace of mind.
Medical Services: Quality medical care in Bulgaria is relatively affordable when compared to many Western countries. A standard doctor's visit might set you back around €25 to €40, ensuring accessible healthcare services for residents and visitors alike.
Life as a Freelancer in Bulgaria
Bulgaria is a freelancer's paradise, no doubt about it. The affordable cost of living here lets me spread my wings without worrying about my wallet.
And when it comes to the digital world, Bulgaria knows the score. Lightning-fast Wi-Fi is everywhere, making it feel like the country is cheering, “Work away, we’ve got your back.”
Sofia, the vibrant capital, has become my professional stomping ground. Co-working spaces are sprouting up all over the place, and the entrepreneurial buzz is infectious. And when I need a breather, the city's cultural scene is the perfect icing on the cake.
So, Bulgaria isn’t just a place to work; it’s a haven for freelancers. The supportive atmosphere, budget-friendly living, and the freedom to explore—both professionally and personally—have combined to create a truly unforgettable journey.
Taxes in Bulgaria: What Freelancers and Entrepreneurs Should Know in 2025
If you're considering living or working in Bulgaria as a freelancer, remote worker, or small business owner, one of the biggest advantages you'll find is the country’s remarkably simple and favorable tax system. Bulgaria continues to attract digital nomads and entrepreneurs from across Europe and beyond, not only for its affordable living costs and fast internet, but also for its low taxes and transparent regulations.
Personal Income Tax: A Flat and Fair System
Bulgaria offers a flat personal income tax rate of 10%, regardless of your income level. This means whether you earn €10,000 or €100,000 per year, you pay the same low rate. For freelancers and remote workers coming from countries with progressive tax systems that can reach 30% or higher, this flat tax can lead to significant savings.
This simple structure not only supports better financial planning, but also reduces the administrative burden—no complex tax brackets or confusing thresholds to deal with. For many location-independent professionals, this predictability is a major plus when deciding where to settle.
Corporate Tax: Ideal for Setting Up a Business
Thinking of registering your own company in Bulgaria? The country offers one of the most attractive corporate tax regimes in Europe. The corporate income tax rate is also a flat 10%, making it easier to reinvest profits into growing your business.
Many freelancers and consultants choose to set up a limited company (OOD) to benefit from this rate, especially when their income grows. The incorporation process is relatively straightforward, and ongoing compliance requirements are minimal compared to other EU countries.
VAT (Value Added Tax): What You Need to Know
The standard VAT rate in Bulgaria is 20%, applied to most goods and services. However, there is a reduced rate of 9% for specific categories such as:
- Hotel accommodations
- Books and printed media
- Certain medical and pharmaceutical products
If you're offering services to EU clients or selling digital products, it’s essential to understand how Bulgarian VAT rules apply to cross-border transactions. Depending on your business model, you may benefit from VAT exemptions or be required to register under OSS (One-Stop Shop) for EU-wide VAT compliance.
Property Tax: Low and Predictable
For those planning to stay long-term and invest in real estate, Bulgaria also offers low annual property taxes, typically ranging between 0.1% and 0.15% of the assessed property value. This makes homeownership more accessible and manageable compared to many Western European countries.
Whether you're buying a small apartment in Sofia or a countryside house near Plovdiv, property-related costs tend to remain budget-friendly, even when factoring in additional municipal fees.
A Freelancer-Friendly Tax Landscape
Overall, Bulgaria's tax system is one of the most advantageous in the European Union for freelancers, remote workers, and small business owners. The combination of flat tax rates, low compliance burden, and clear regulations creates an ideal environment for building a financially sustainable freelance career or growing your company.
If you're already working with international clients and seeking a base that respects your earnings, Bulgaria delivers both on cost and clarity.
And when it comes to managing your global payments as a freelancer, tools like Juuli can help you invoice and receive money without dealing with high platform commissions or hidden fees. Pairing Bulgaria’s tax simplicity with Juuli’s payment flexibility could be the smartest move for your financial future.
Recommended Monthly Income for a Comfortable Life in Bulgaria
Bulgaria continues to be one of Europe’s most affordable and rewarding countries for freelancers, remote workers, and expats. Whether you're just getting started or enjoying a more established lifestyle, the country offers great value for your money.
So, how much do you actually need each month to live comfortably in Bulgaria in 2025?
Basic Living Expenses
If you're living modestly—renting a small apartment, cooking at home, using public transport, and enjoying the occasional meal out—you can expect to live comfortably on a monthly income of around €900 to €1,200. This budget covers:
- Rent for a 1-bedroom apartment (€300–€500 depending on location)
- Utilities and internet (€100–€150)
- Groceries (€200–€300)
- Public transport or occasional taxis (€50–€100)
- Modest dining and entertainment (€100–€150)
This range allows you to meet your basic needs without financial stress, especially if you’re based outside Sofia or share housing.
Comfortable Lifestyle
For those who prefer a more flexible lifestyle—with more dining out, co-working memberships, short trips, and upgraded housing—a monthly budget of €1,400 to €1,800 will offer plenty of comfort. With this range, you can afford:
- A central or larger apartment
- Private healthcare and insurance
- Regular entertainment and cultural events
- Weekend travel within Bulgaria or nearby countries
This is the sweet spot for many freelancers and digital nomads who value both work-life balance and financial ease.
Premium Lifestyle
If you’re seeking a premium living experience, complete with top-tier amenities, high-end restaurants, private clubs, wellness services, and regular travel, then a monthly income of €2,000 to €2,500 or more gives you all the flexibility you need. This level covers:
- Luxury housing or serviced apartments
- Private schooling or childcare (if needed)
- Regular travel abroad
- Premium health insurance
- Higher-end personal services (fitness, beauty, etc.)
The Takeaway
The amount you need depends entirely on your lifestyle, but compared to many Western European cities, Bulgaria allows for an excellent quality of life at a much lower cost. You get to enjoy beautiful nature, rich culture, and modern infrastructure—without the financial pressure.
And if you're earning in foreign currency through freelance work, platforms like Juuli make it easy to manage payments, get paid faster, and avoid high commission fees. Paired with Bulgaria’s affordable living, this creates a smart, sustainable setup for anyone working independently.
Ready to stretch your income further and live well? Bulgaria is still one of the best-kept secrets in Europe.
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