Prices vary significantly depending on the resort, distance to the sea, and the class of the complex. Below are current ranges for the most popular locations among Russian-speaking buyers:
Current ranges for popular resorts. Exchange rate: 1 € ≈ 97 RUB
| Location | Studio / 1-bedroom | 2 bedrooms | In RUB (studio) |
|---|---|---|---|
| Sunny Beach | 35,000 – 65,000 € | 65,000 – 110,000 € | ≈ 3.4 – 6.3 million RUB |
| Sveti Vlas | 45,000 – 85,000 € | 80,000 – 140,000 € | ≈ 4.4 – 8.2 million RUB |
| Nessebar | 55,000 – 100,000 € | 90,000 – 160,000 € | ≈ 5.3 – 9.7 million RUB |
| Pomorie | 30,000 – 55,000 € | 55,000 – 90,000 € | ≈ 2.9 – 5.3 million RUB |
| Burgas | 50,000 – 90,000 € | 85,000 – 150,000 € | ≈ 4.9 – 8.7 million RUB |
| Varna | 60,000 – 120,000 € | 100,000 – 200,000 € | ≈ 5.8 – 11.6 million RUB |
| Sozopol | 45,000 – 80,000 € | 75,000 – 130,000 € | ≈ 4.4 – 7.8 million RUB |
| Elenite | 35,000 – 60,000 € | 60,000 – 95,000 € | ≈ 3.4 – 5.8 million RUB |
* Prices are a range of current listings on the secondary market and new constructions (May 2026). The cost depends on the floor, distance to the sea, and the class of the complex. Detailed price analysis by region →
From property selection to obtaining ownership — on average 30–45 business days
Step 1
After agreeing on the property, a preliminary contract is signed. The seller removes the apartment from the market for up to 30 days.
Deposit: 1,000 – 2,000 € (non-refundable)
Step 2
A lawyer checks the property in the Property Register (Imoten registar — analogue of the Russian Rosreestr): absence of encumbrances, mortgages, seizures, and utility debts.
Due diligence fee: 200 – 400 €
Step 3
The buyer opens an account in a Bulgarian bank (DSK Bank, UniCredit, Fibank) — a passport is sufficient. Funds transfer via SWIFT from any country without restrictions.
Bank fee: 0.3 – 1% of the amount
Step 4
The notarial deed — the main title document. Signed before a notary in person or by power of attorney.
State fee: 0.1 – 3% · Notary fee: ~0.5%
Step 5
The notary submits the deed to the Property Register independently. Within 1–3 business days you become a full owner. Annual property tax — ~0.15% of the cadastral value.
Registration period: 1 – 3 business days
Total additional expenses beyond the property price: state fee (0.1–3%) + notary (~0.5%) + lawyer (0.5–1%) + funds transfer (~0.3–1%) = 2–5% of the apartment price.
Bulgaria remains one of the few European markets where citizens of Russia, Belarus or Ukraine can legally buy property on the coast without restrictions based on citizenship. Discount-House has been operating on the Bulgarian market with an office in Nessebar — we handle turnkey transactions: from property selection to notarial registration.
Why Russians, Belarusians, Ukrainians and residents of the former CIS choose Bulgaria • The EU without high prices. Bulgaria is a member of the European Union. Property owners receive a simplified visa regime and the possibility to apply for a residence permit when the property value starts from 300,000 BGN (~150,000 €).
Belarusians are increasingly choosing Bulgaria to buy seaside property. Reasons: mild climate, clean coast, developed infrastructure, modern complexes and some of the lowest real estate prices in Europe — from 35,000 €.
• Minimal language barrier. Cyrillic alphabet, similar vocabulary, large Russian-speaking community — especially in Sunny Beach and Nessebar.
• Rental yield. Apartments in Sunny Beach are rented out during the high season (June–September) for 40–80 € per day. Annual rental income — from 3 to 6% per year with self-management.
• Mortgage for non-residents. Bulgarian banks (UniCredit Bulbank, DSK Bank) provide mortgages to citizens of Russia and Belarus. Down payment — from 30%, interest rate — from 3.9% per annum in euros, term — up to 20 years.
• Transparent jurisdiction. The registration procedure takes 30–60 days. The notarial deed is analogous to a Russian purchase and sale agreement. Foreigners buy apartments without restrictions. Discount-House accompanies the transaction from the first viewing until the notarial deed is issued. Our office is located directly in Nessebar — we show properties live, not from photographs.
In Bulgarian law, apartments are residential premises in a multi-family building, most often as part of a tourist or residential complex. Legally, the terms "apartment" and "flat" are interchangeable: both grant full ownership rights and are registered in the Property Register.
The practical difference lies in the purpose and infrastructure of the complex. Apartments in resort complexes often have a pool, restaurant, and a management company that rents them out in your absence. A studio — an apartment of 25–40 m² with a combined living room and bedroom — is the most affordable option in terms of price.
The choice depends on the purpose of the purchase. Sunny Beach — the most popular resort, maximum tourist flow in summer, best short-term rental yield. Sveti Vlas — quieter and greener, suitable for family holidays, prices slightly higher. Nessebar (historical center — a UNESCO site) — more prestigious and liquid, good for long-term living. Varna — the second largest city in the country, developed infrastructure, seaport, suitable for permanent residence. Burgas — more affordable in price, close to the airport, good transport links. Pomorie and Primorsko — less touristy, quiet, prices below the coastal average.
The most affordable resorts are Pomorie (from 30,000 €) and Elenite (from 35,000 €). In Sunny Beach, a studio can also be found from 35,000 €, with higher property liquidity due to tourist demand. In Varna and Nessebar, the minimum budget starts from 55,000–60,000 €.
The most budget-friendly housing by the Black Sea is secondary apartments in Pomorie and the Nessebar municipality, located 500–800 meters from the first line. Compared to resorts in Croatia, Montenegro, or Spain, prices in Bulgaria are on average 2–3 times lower.
New constructions: the possibility of an installment plan from the developer (usually until the property is completed without interest), new utilities, modern layouts. Downside — risk of construction delays and the need to wait for completion.
Secondary housing: you can move in immediately or rent it out, the price is negotiable, the real condition of the apartment is visible. Downside — possible hidden defects, outdated engineering systems in older complexes. For renting out from the first season, the secondary market is preferable. For long-term ownership — a new construction with a developer's warranty.
Yes. Developers of new constructions offer installment plans — as a rule, until the property is completed and without any additional interest. The down payment is usually 20–30%, with the remaining amount paid in equal installments over 12–24 months.
Mortgage loans for foreign citizens are provided by Bulgarian banks: UniCredit Bulbank, DSK Bank, Fibank. Terms: down payment from 30%, interest rate from 3.9% per annum in euros, term up to 20 years. Proof of income and a bank statement are required. Banks work with buyers from most countries.
Yes, especially Varna and Burgas — they are full-fledged urban centers with developed infrastructure, universities, hospitals, and business life all year round. Resort towns (Sunny Beach, Sveti Vlas) are significantly quieter outside the season — most services operate only in summer.
For permanent residence, it is important to consider: proximity to medical facilities, transport links to the airport (Burgas and Varna have international airports), and the presence of an international community. Bulgaria is an EU member; with a residence permit, European services and freedom of movement within the Schengen area are available.
The purchase of any real estate grants the right to obtain a long-term D visa — this is not a residence permit, but it allows you to stay in the country for up to 1 year. For a full residence permit through investment, a property worth at least 300,000 BGN (about 153,000 €) is required.
An exception is pensioners: they can obtain a residence permit by purchasing real estate of any value, provided they confirm a pension income. For other categories — remote workers, self-employed individuals — a residence permit is issued on other grounds not related to real estate.
Annual property tax — about 0.15% of the cadastral value. For a studio worth 40,000 €, that is approximately 60–80 € per year. Maintenance fee for the complex — from 5 to 25 € per m² per year depending on the infrastructure: complexes with a pool and security are more expensive.
Utility bills for permanent residence (water, electricity, internet) — 80–150 € per month for a 50 m² apartment. If the apartment is closed for the winter, expenses are minimal: only tax and maintenance fee.
According to the National Statistical Institute of Bulgaria, housing prices in the resort areas of the Black Sea coast increased by 60–80% between 2020 and 2024. Short-term rental during the high season (June–September) brings 40–80 € per day for a studio in Sunny Beach. Annual yield with self-management — 3–5%, when transferred to a management company — 2–4% after deducting the commission (usually 20–30% of income).
The main risk is high seasonality: outside the summer season, rental demand drops sharply. For year-round income, Varna and Burgas with long-term rental are better suited.
Main expenses: taxes, maintenance fee and insurance
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