.jpg)
Are you considering Europe for your new home, but high prices and complex bureaucracy seem like major hurdles? Bulgaria, an EU member state, offers a unique combination of affordability and European quality of life. Many citizens of Kazakhstan want to live in the European Union, provide their children with a European education, and secure a stable future, but they fear the risks associated with buying property abroad and the immigration process.
In this article, acting as your personal consultants, we will meticulously break down the entire journey – from selecting a property to obtaining a residence permit card in Bulgaria. You will learn how to legally buy a house with land, what taxes to expect, and how to avoid costly mistakes, saving you time and money.
| Section | What You Will Get |
|---|---|
| Objectively compare the cost and quality of life, safety, climate, and education in Bulgaria and Kazakhstan based on specific figures and ratings. | |
| Understand every legal and financial stage of the transaction – from the deposit to receiving the notary deed and registering ownership. | |
| Learn not only about investment options but also about more accessible grounds for legalization, such as a financially secure pensioner or a trade representative office. | |
| Plan your budget for utilities, learn more about the healthcare system, and get practical advice on adaptation and integration. |
Comparative Analysis – Bulgaria vs. Kazakhstan for Relocation
Making the decision to emigrate requires cold calculation. Let's objectively compare the key aspects of life in Bulgaria and Kazakhstan so you can make an informed choice.
Cost of Living – A Detailed Budget Breakdown
One of Bulgaria's main advantages is its reputation as one of the most budget-friendly countries in the European Union. This provides access to a European quality of life with a low financial entry threshold.
| Comparison of Estimated Cost of Living (in EUR) | Sofia (Bulgaria) | Varna (Bulgaria) | Astana (Kazakhstan) | Almaty (Kazakhstan) |
|---|---|---|---|---|
|
1-bed apt. rent (city center)
|
450–700
|
350–550
|
400–600
|
500–750
|
|
1-bed apt. rent (outside center)
|
300–500
|
250–400
|
250–400
|
300–500
|
|
Utilities (85m², incl. heating)
|
100–180
|
90–160
|
70–120
|
80–140
|
|
Internet (60 Mbps+, unlimited)
|
10–20
|
10–20
|
10–15
|
10–15
|
|
Public transport pass
|
25–30
|
20–25
|
15–20
|
15–20
|
|
Dinner for two in a mid-range restaurant
|
25–40
|
20–35
|
20–35
|
25–40
|
Prices for Astana and Almaty are provided in their EUR equivalent for ease of comparison and may vary depending on the exchange rate. Data is based on information from the Numbeo portal and is averaged.
When planning your budget, consider that prices for quality European goods, clothing, and electronics in Bulgaria are often lower than in Kazakhstan, thanks to the absence of high import duties within the EU.
Safety and Quality of Life – What Global Ratings Say
Safety is a priority for any family. Although Kazakhstan is considered one of the safest countries in the CIS, global indexes offer a broader perspective.
Safety and Quality of Life – An Objective Comparison by Indexes
| Indicator | Comparative Data (Bulgaria vs. Kazakhstan) |
| Quality of Life Index (Numbeo, 2025) | Bulgaria holds higher positions, indicating a better overall quality of life. In the 2025 ranking, Kazakhstan was ranked 73rd out of 88 countries. |
| Safety Index (Numbeo, 2024) | Bulgaria has a higher Safety Index – 62.9 versus 54.1 for Kazakhstan. The Crime Index, conversely, is lower – 37.1 versus 45.9 (the lower, the better). |
| Global Peace Index (GPI, 2024) | Bulgaria is in 26th place, while Kazakhstan is in 59th. This is a comprehensive indicator that addresses the level of internal and external security. |
Bulgaria's high rankings in international ratings do not mean that Kazakhstan is unsafe. They simply indicate that Bulgaria, as an EU country with an established legal system, offers an even higher level of predictability and protection.
Climate, Ecology, and Education – Intangible Assets
Climate: Bulgaria has a mild climate. Summers here are warm (+28-30°C), and winters are comfortable (around +2°C in the lowlands). This is a stark contrast to the sharply continental climate of Kazakhstan and creates ideal conditions for living, recreation, and health improvement.
Education: The Bulgarian education system is integrated into the European space, which provides key advantages:
- Kindergartens: Since 2022, public kindergartens have become free for children of residents with a residence permit.
- Schools: Education in public schools is also free. There are schools with in-depth study of the Russian language.
- Higher Education: Diplomas from Bulgarian universities are recognized in all EU countries. The cost of tuition for foreigners is relatively low (e.g., at Sofia University, from 1900 EUR per year).
For many families, moving to Bulgaria is primarily a strategic investment in their children's future. The opportunity to give them a quality European education and open up career paths in the EU is a decisive factor.
The Property Buying Process in Bulgaria – A Step-by-Step Guide
Purchasing a home abroad requires a clear understanding of the procedure. Below is a detailed algorithm for citizens of Kazakhstan that will help avoid "pitfalls."
It is strongly not recommended to make a purchase remotely ("sight unseen") without a personal viewing or without involving a trusted person with a notarized power of attorney. The risk of disappointment and losing the deposit is too high.
Legal Aspects and Property Selection
Foreigners' Rights: Citizens of Kazakhstan can freely acquire ownership of apartments, studios, and houses (buildings) without any restrictions.
Land Ownership Restriction and Its Solution
- The Problem: Foreigners (non-EU citizens) do not have the right to directly own land. This means that a citizen of Kazakhstan cannot buy property in Bulgaria in the form of a house with a plot of land or just a plot of land as an individual.
-
The Solution: The most common and legal method is to register a
Bulgarian company (usually an EOOD – an analogue of a single-member LLC).
A company, as a Bulgarian legal entity, has the full right to buy land.
- Cost: 150–400 EUR.
- Timeline: about 5 working days.
- Share Capital: minimal (from 1 EUR).
Prices and Regions:
| Property Type | Region/City | Price Range (EUR) / Average Price per m² |
|---|---|---|
|
Studio (up to 40 m²)
|
Sunny Beach
|
25 000 – 35 000
|
|
Studio (30-40 m²)
|
Bansko (ski resort)
|
29 000 – 40 000
|
|
House (rural, needs renovation)
|
Rural areas
|
15 000 – 25 000
|
|
1-bedroom apt (50-70 m²)
|
Sofia (center)
|
1 800 – 2 600 /m² (property ~90-150k)
|
|
1-bedroom apt (50-70 m²)
|
Burgas/Varna
|
1 200 – 1 800 /m² (property ~60-120k)
|
|
2-bedroom apt (70-100 m²)
|
Sofia (center)
|
1 700 – 2 500 /m² (property ~120-250k)
|
An unrealistically low price (e.g., an apartment for 15,000 EUR) almost always indicates serious problems – hidden defects, legal encumbrances, poor location, or fraud.
Transaction Stages and Financial Matters
The purchase and sale procedure is clearly regulated and safe with the right approach.
| Stage | Action and Estimated Costs |
| Reservation | Making a deposit of 1000–2000 EUR to take the property off the market. |
| Preliminary Contract | Signing a legally binding contract that fixes all conditions. Drafted by your lawyer. |
| Final Payment | The main cost of the property is paid via bank transfer in Euros (EUR). |
| Signing the Notary Deed | The main title document is signed at a notary's office. The price in the deed cannot be lower than the tax assessment value. |
| One-time Taxes and Fees | Local tax (2-5%) + Notary fees (~1%) + Registration fee (0.1%). Total: about 3-5% of the value. |
| Annual Taxes | Property tax (~0.15-0.2%) + Waste collection tax (~0.1-0.3%). Total: for an apartment worth 50,000 EUR, this would be approx. 150-250 EUR per year. |
| Maintenance Fee (for complexes) | If the property is in a gated complex, an annual service fee is charged (pool, security) – 6-15 EUR per m² per year. |
Mortgage lending for foreigners in Bulgaria is possible, but the conditions are strict and rates are higher (can reach 12% per annum). It is more realistic to rely on your own funds.
Obtaining a Residence Permit in Bulgaria – All Legal Pathways
Buying a home is not, by itself, a sufficient basis for a residence permit (except for investments from 307,000 EUR). However, it is a mandatory condition for many other, more accessible grounds. The first step is always to obtain a long-term immigration visa D.
The legalization process requires patience. Collecting documents, translation, legalization, and waiting for a decision can take several months. It is important to start preparing in advance.
Comparison of Grounds for a Residence Permit – Which One is Right for You?
| Ground for Residence Permit | Key Requirements to Qualify |
| Financially Secure Pensioner | You must confirm official pensioner status, show sufficient funds in a Bulgarian bank account (from 4500 EUR), and have accommodation (owned or rented). This is the easiest and most popular route for pensioners. |
| Trade Representative | Requires registering a representative office of a Kazakh company at the Bulgarian Chamber of Commerce and Industry (BCCI), as well as having accommodation and funds to live on. This method is suitable for entrepreneurs who want to legalize their stay and create a basis for business. |
| Financially Independent Person | You need to confirm having sufficient funds for living (equivalent to 12 minimum salaries) in a Bulgarian bank account. This option is ideal for individuals with a stable passive income or remote earnings. |
| Business Investor | Involves opening a Bulgarian company and creating at least 10 jobs for Bulgarian citizens. This path is intended for serious business people ready for real investments in the country's economy. |
After obtaining a D visa and entering Bulgaria, you apply for a residence permit at the local migration office. After 5 years of legal residence with a temporary permit, you can apply for permanent residence, and later, for citizenship.
More detailed information about the visa application procedure and the list of necessary documents for different categories of citizens can be obtained from the website of the Bulgarian Visa Application Centre in Kazakhstan.
Before choosing a basis for your application, consult with an immigration lawyer. They will help assess your chances and choose the optimal and least costly path.
Take These 5 Steps Before Moving to Bulgaria
Moving to Bulgaria and buying property is an absolutely real and achievable goal for citizens of Kazakhstan. It offers a unique balance of European quality of life, affordability, safety, and a favorable climate. The process requires careful preparation, but it is logical and transparent. Here is your final checklist before you start:
Define your goals and budget.
Clearly articulate why you need the property and assess your financial capabilities, including additional costs (3-5% for closing and services).
Plan an exploratory trip.
A personal visit to Bulgaria is the best way to get a feel for the country and see properties in person.
Find an independent lawyer.
This is a key investment in the security of your transaction. Do not rely solely on the real estate agent.
Start preparing your documents.
Clarify the requirements for certificates, translations, and apostilles in advance.
Start learning the language.
Even basic knowledge of Bulgarian will open many doors and earn you the respect of local residents.
Bulgaria can become not just a home by the sea for you, but a starting point for a new life in Europe.
If you are ready to move from planning to action and need professional assistance in assessing your situation, contact us. We will help you avoid mistakes and make your path to the European dream as short and safe as possible.
We use data from international ratings and open sources to provide the most objective picture possible, helping you see the situation more broadly than it is covered in local news.