Living in Bulgaria: Cost of Living, Healthcare and What to Know About Living in Bulgaria

Summary: The approximate population of Bulgaria is 7 million people. The largest cities in Bulgaria are Sofia (the capital), Plovdiv, Varna, Burgas, and Ruse. Expats love living in Bulgaria for its low cost of living, beautiful scenery, and friendly people. Life in Bulgaria is described as relaxed and laid-back, with a strong sense of community. Foods popular in Bulgaria include banitsa (a pastry filled with cheese and eggs), shopska salad (a salad made with tomatoes, cucumbers, onions, and feta cheese), and tarator (a cold soup made with yogurt, cucumbers, and dill). The cons of living in Bulgaria include the lack of job opportunities, the slow pace of life, and the language barrier. The average cost of living for an expat is around $1,000 to $1,500 per month. This includes rent, utilities, food, and transportation.

What are the pros and cons of living in Bulgaria?

Expats, digital nomads and retirees living in Bulgaria responded:

"Bulgaria is a very historical country. Lots of interesting things to see, but you have to seek them out, so read travel books! Bulgaria is also a very traditional country where traditions are respected. "Martenitsa" is celebrated March 1st all over Bulgaria. Look it up, interesting! The major thing I do not like about Bulgaria is the car drivers who park anywhere and in any position as well as do not seem to respect speed limits. The Bulgarian staff at the U.S. Embassy in Sofia are, for the most part, "snotty", unprofessional, and act as if they are doing you a favor. I guess that living under socialism for so many years had influenced their behavior. I have dealt with embassies in other countries and have not been treated as "shabbily" as the Bulgarian staff at the U.S. Embassy in Sofia. On the other hand, the U.S. citizen employees I have dealt with at the embassy have always been polite, professional and helpful. Fortunately they have never had to live under socialism...yet," explained one expat living in Varna.

"The U.S. Embassy in Sofia! The Bulgarians who work there are "down right snotty"! They give the impression that they are doing you a big favor and are sometimes just "rude". I am a retired U.S. citizen and I pay a lot of income tax, some of this tax goes to pay these embassy employees. So I do not feel that it is too much to expect a more professional attitude from them. However, the Americans I have dealt with at the embassy have been quite the opposite. They are polite, professional, and helpful. And...I continue to thank them. ," said one in Varna.

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What type of social life can someone expect in Bulgaria?

When we asked expats and global nomads about their social experiences in Bulgaria, they replied:

"Expats, retirees and digital nomads living in Bulgaria typically have an active social life. They often join local clubs and organizations, attend cultural events, and make friends with other expats, retirees and digital nomads. They also often take advantage of the many outdoor activities available in Bulgaria, such as hiking, skiing, and swimming. Additionally, they often take part in the vibrant nightlife of the larger cities, such as Sofia and Plovdiv," explained one expat in Bulgaria.

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"Bulgaria is a vibrant and diverse country with a lively social scene. There are plenty of opportunities to meet new people and explore the culture, whether it be through attending festivals, visiting local bars and clubs, or simply taking a stroll through the city streets. Bulgarians are known for their hospitality and are always eager to welcome visitors to their country. There are also plenty of outdoor activities to enjoy, such as hiking, skiing, and swimming, as well as cultural attractions like museums, galleries, and theatres. No matter what your interests are, there is something for everyone in Bulgaria," explained one expat living in Bulgaria.

"Most people you have to deal with speak a little English. So this is not a big problem not knowing Bulgarian," said one expat in living in Varna, Bulgaria.

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What advice to expats in Bulgaria have about housing?

"My wife is a Bulgarian and has her own house. So the questions on housing mostly would not apply to me. Anyway, I ansere them to the best of my knowledge," said one expat in living in Varna, Bulgaria.

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What are medical services in Bulgaria like?

When we asked expats and global nomads about the quality of medical care in Bulgaria, they replied:

"Bulgaria has a well-developed healthcare system, providing a wide range of medical services to its citizens. The country has a network of hospitals, clinics, and medical centers that offer a variety of treatments and services, including general medicine, surgery, dentistry, and specialized care. The quality of care is generally good, and the cost of medical services is relatively low compared to other European countries. In addition, Bulgaria has a number of private medical facilities that offer more advanced treatments and services at a higher cost," remarked one expat in Bulgaria.

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Are healthcare and health insurance expensive in Bulgaria?

"Healthcare and health insurance in Bulgaria can be expensive, depending on the type of coverage and services needed. Generally, public healthcare is available at a lower cost than private healthcare, but the quality of care may not be as high. Health insurance premiums can also be costly, but they can provide access to a wider range of services and better quality care. Additionally, some employers may offer health insurance plans to their employees, which can help to reduce the cost of coverage," explained one expat living in Bulgaria.

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Is the cost of living in Bulgaria high?

We asked people about the cost of living in Bulgaria, they wrote:

"The cost of living in Bulgaria is generally quite affordable compared to other European countries. The cost of living is lower in rural areas than in the larger cities, such as Sofia, Plovdiv, and Varna. Rent for a nice 1 bedroom apartment in Bulgaria is typically around $400 USD per month, while a nice 2 bedroom apartment is around $600 USD per month. Eating dinner at a moderately priced restaurant in Bulgaria will cost around $10 USD per person," wrote one expat in Bulgaria.

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What are the visa & residency requirements in Bulgaria?

"In order to visit Bulgaria, foreign nationals must obtain a visa from a Bulgarian embassy or consulate prior to their arrival. The process of applying for a visa involves submitting a completed application form, a valid passport, two passport-sized photographs, and any other documents required by the embassy or consulate. In order to obtain residency in Bulgaria, foreign nationals must apply for a long-term residence permit. The process of applying for a residence permit involves submitting a completed application form, a valid passport, two passport-sized photographs, proof of financial means, proof of health insurance, and any other documents required by the embassy or consulate. Additionally, applicants must provide proof of a valid reason for residence, such as employment, study, or family reunification," said one expat in Bulgaria.

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Why do people move to Bulgaria?

When we asked people why foreigners move to Bulgaria, they responded:

"Bulgaria is an attractive destination for expats due to its low cost of living, beautiful landscapes, and rich cultural heritage. The country offers a wide range of activities and attractions, from skiing in the winter to exploring the Black Sea coast in the summer. Bulgaria also has a vibrant nightlife and a growing expat community, making it an ideal place to settle down and make new friends. Additionally, the country has a strong economy and a stable political system, making it a safe and secure place to live. With its low taxes and relaxed visa requirements, Bulgaria is an attractive option for expats looking for a new home," explained one expat in Bulgaria.

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What do I need to know about living in Bulgaria?

When we asked people what advice they would give someone preparing to move to Bulgaria, they said:

"Before retiring in Bulgaria, expats should familiarize themselves with the local language, as English is not widely spoken. It is also important to research the cost of living in the area, as prices can vary significantly from city to city. Additionally, expats should be aware of the healthcare system in Bulgaria, as it is not as comprehensive as in some other countries. Furthermore, expats should research the local culture and customs, as well as the climate, to ensure they are prepared for their new home. Finally, expats should ensure they have the necessary paperwork and visas in order to legally retire in Bulgaria," remarked one expat in Bulgaria.

What do I need to know before moving to Bulgaria?

When we asked people what advice they would give someone preparing to move to Bulgaria, they said:

"Bulgaria is a beautiful country with a rich culture and history. It is important to research the local customs and laws before moving to Bulgaria. Expats should also be aware of the language barrier, as Bulgarian is the official language. It is also important to research the cost of living in Bulgaria, as it can vary depending on the city and region. Additionally, expats should be aware of the healthcare system in Bulgaria and make sure they have adequate health insurance. Finally, expats should be aware of the visa requirements for entering and staying in Bulgaria," said one expat in Bulgaria.

"I would find out about a area of the country you like and fly out, drive around to if possible to find a place you like then find a estate agent or a English person to find you some houses to view . I moved out with Oggi who has a removal company, you pack your goods and he arranges the pick up, you have to load it on the lorry his driver will help, had it delivered from door to door in 6 days, great service and cheap, if you would like his email contact me," said a person living in Pleven.

How do I find a place to live in Bulgaria?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One of the best ways to find a place to live in Bulgaria is to use online resources such as real estate websites. These websites typically list a variety of properties for rent or sale in Bulgaria, including apartments, houses, and villas. Additionally, you can search for properties on social media platforms such as Facebook and Instagram, as many landlords and real estate agents post their listings on these sites. You can also contact local real estate agents in Bulgaria to help you find a suitable property. Finally, you can also look for rental properties in newspapers and magazines, as many landlords advertise their properties in these publications," explained one expat.

"Wanted a house in town with land at a good price, but hard to come by. Searched many many estate agents, found 2 luckily in the same area, brought one of these, as don't drive its easy to walk into town, no problems in winter, and am on the main train line so can get anywhere in Bulgaria," said one person in Pleven.

What is a typical expat home or apartment like in Bulgaria?

"Expat homes and apartments in Bulgaria tend to be modern and comfortable, with many featuring modern amenities such as air conditioning, high-speed internet, and cable television. Expats often choose to live in larger cities such as Sofia, where they can find a variety of housing options, from luxury apartments to more affordable options. Many expats also choose to live in smaller towns and villages, where they can enjoy a more relaxed lifestyle and take advantage of the beautiful scenery. No matter where they choose to live, expats in Bulgaria can expect to find a safe and welcoming environment," remarked one expat in Bulgaria.

"I live in an house, most expats who have moved to this area live in houses and not apartments," explained one expat living in Pleven.

What is the average cost of housing in Bulgaria?

If you are thinking about moving to Bulgaria, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Bulgaria is generally quite affordable compared to other European countries. The average cost of renting an apartment in Bulgaria is usually around €200-400 per month, while the average cost of buying a property is around €1,000-2,000 per square meter. Prices vary depending on the location and size of the property," explained one expat.

"House taxes are way way lower, electric is about the same, most heating that people use is by wood, same as mine that heats up the seven radiators to keep the house warm. Water is cheap, and if you have a well like me watering the garden doesn't cost you anything, but I am lucky that mine is drinkable to which a lot isn't," said one person in Pleven.

How do I meet people in Bulgaria?

When we asked people living in Bulgaria about club and activities where newcomers can meet others, they responded:

"Expats in Bulgaria often join clubs and activities such as language exchange groups, hiking clubs, and book clubs. Expats can also meet people by attending local events such as festivals, concerts, and art exhibitions. Additionally, many expats find it helpful to join online forums and social media groups related to their interests, as well as attending networking events and meetups," remarked one expat in Bulgaria.

What should I bring when moving to Bulgaria?

People living in Bulgaria were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Bulgaria, it is important to pack items that will help you adjust to the climate and culture. Pack clothing that is appropriate for the season, such as a light jacket for the cooler months and a hat and sunscreen for the summer. Bring comfortable shoes for walking and exploring the country. It is also important to bring items that will help you feel at home, such as pictures of family and friends, books, and music. Additionally, it is a good idea to bring a few basic toiletries and medications, as well as a first aid kit. Finally, make sure to bring any important documents, such as your passport and visa," explained one expat.

"Dumpling Mix, loads of it. Marmite Oxo's. Some furniture, Husband, some clothes," said one person in Pleven.

Where should I setup a bank account in Bulgaria?

We asked expats in Bulgaria what banks they use and there advice about banking. They advised:

"Before retiring in Bulgaria, expats should familiarize themselves with the local language, as English is not widely spoken. It is also important to research the cost of living in the area, as well as the availability of healthcare and other services. Additionally, expats should be aware of the local laws and regulations, and make sure to obtain the necessary visas and permits. Finally, it is important to research the cultural norms and customs of the area, as well as the climate and weather patterns," said a person living in Bulgaria.

Will I be able to find a job in Bulgaria?

When we asked people about industries and career opportunities in Bulgaria, they reponded:

"Foreigners often have jobs in Bulgaria in the hospitality industry, such as working in hotels, restaurants, and bars. They may also find work in the tourism industry, providing services such as tour guiding and transportation. Other popular jobs for foreigners include teaching English, working in IT, and providing professional services such as accounting and consulting," explained one expat.

What is life like in Bulgaria?

When we asked people living in Bulgaria what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Bulgaria is generally quite pleasant. The country is known for its low cost of living, making it an attractive destination for those looking to stretch their budget. The people are friendly and welcoming, and the country offers a variety of activities and attractions to explore. The country is also well-connected, with good internet access and plenty of coworking spaces available. With its stunning landscapes, vibrant culture, and delicious cuisine, Bulgaria is an ideal destination for those looking to experience a different way of life," remarked one in Bulgaria.

What do expats in Bulgaria appreciate most about the local culture?

"Vinitsa, a "modern" village 12km above Varna is the most delightful place I've lived. #1 is the beautiful simplicity of life. #2 the blue skies and rolling hills overlooking Cherno More. #3 My apartment is like a miniature palace and I feel like a queen in my home. #4 the fresh air #5 the Romani, who in stark contrast to the over-serious Bulgarian are quick to smile, chat, laugh and run barefoot in the rain! #6 the fact that I have every single possible convenience from transportation to veterinarian care; food, restaurants, post, hospital, optician, riding stables, etc..., etc..., etc..., within walking distance - and I mean a few blocks, not kilometers! #7 for me, it is perfect," said a person living in Varna.

"The traditions that are observed most of which are centuries old. One of which is "Martinitza" (probably not spelled correctly). March 1st which celebrates the coming of spring and you wear something red and white. Everyone seems to participate even the dogs and cats. Coffee shops...Bulgarians love to sit inside or outside, talk and drink coffee...very good coffee," explained one expat living in Varna.

What do expats find most challenging?

"Expats in Bulgaria often find the language barrier to be one of the most challenging aspects of the local culture. Additionally, the country's bureaucracy can be difficult to navigate, as many processes are not well-documented or easily accessible. Furthermore, the cultural norms and expectations can be difficult to understand, as they are often quite different from those of other countries. Finally, the cost of living in Bulgaria can be high, making it difficult for expats to adjust to the local lifestyle," remarked one in Bulgaria.

"Initially the Bulgarians do not smile much. They may not have a lot to smile about! But once you get to know them they are very hospitable. A lovely elderly woman who lives across the lane knew I was leaving to go back to the UK. She turned up with salty fried bread, cooked chicken bits in a tray, a glass jar of noodle soup and a small sealed jar of something that had been expertly, I am sure, canned several years before. The written words on the label have escaped translation. I went to wash up a plate in the outside sink only to find that the local cat had eaten the chicken. So it was bread and soup it was! Delicious. The small jar still remains to be eaten, if that is what it is for," explained one expat.

Is there a lot of crime in Bulgaria?

"Crime is a problem in Bulgaria, with reports of organized crime, corruption, and human trafficking. The country has seen an increase in violent crime in recent years, including robberies, burglaries, and assaults. Drug trafficking is also a major issue, with Bulgaria being a transit point for drugs from the Middle East and Asia," remarked one in Bulgaria.

Is there a lot of diversity? Are people in Bulgaria accepting of differences?

"Bulgaria is a diverse country with a population that is made up of many different ethnic and religious backgrounds. People in Bulgaria are generally accepting of differences and strive to create a tolerant and inclusive society. The country has a long history of multiculturalism and is home to a variety of cultures, languages, and religions. Bulgaria is also a member of the European Union, which promotes diversity and acceptance of all people," remarked one expat in Bulgaria.

What are the schools in Bulgaria like?

"The American College of Sofia is one of the best international schools in Bulgaria. It is a private, non-profit, co-educational day school offering an American-style education to students from pre-kindergarten through grade 12. The school is accredited by the Middle States Association of Colleges and Schools and offers a rigorous academic program that prepares students for college and university studies. The school also offers a variety of extracurricular activities, including sports, music, and art. The International School of Sofia is another excellent international school in Bulgaria. It is a private, non-profit, co-educational day school offering an international curriculum to students from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools and offers a comprehensive academic program that prepares students for college and university studies. The school also offers a variety of extracurricular activities, including sports, music, and art. The British School of Sofia is a bilingual school in Bulgaria offering an international curriculum to students from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools and offers a comprehensive academic program that prepares students for college and university studies. The school also offers a variety of extracurricular activities, including sports, music, and art. The school also offers a variety of language courses, including English, French, and Spanish," commented one expat when asked about in Bulgaria.