Cost of Living Comparison Between An Najaf and Ubud, Bali Cost of Living Comparison Between An Najaf and Ubud, Bali

Monthly Cost of Living

A single person spends $637 per month in An Najaf vs $1,379 in Ubud, Bali, rent included.

A couple spends around $972 per month in An Najaf vs $2,363 in Ubud, Bali, rent included.

A family of three spends $1,307 per month in An Najaf vs $3,347 in Ubud, Bali, rent included.

An Najaf is about 54% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

An Najaf sits 53% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.64 IQD 6,074

$3.31 Rp 58.9K

40.18%

Three-Course Dinner for Two, Mid-Range

$22.73 IQD 29.8K

$39.08 Rp 694.5K

-41.84%

Fast Food Meal (McDonalds, etc)

$4.90 IQD 6,422

$5.62 Rp 99.8K

-12.81%

Cappuccino

$2.59 IQD 3,394

$2.64 Rp 46.9K

-1.89%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.40 IQD 521

$1.58 Rp 28.2K

-74.68%

Water (0.33 liter bottle)

$0.24 IQD 314

$0.71 Rp 12.6K

-66.20%

Local Beer (0.5 liter draught)

$3.71 IQD 4,860

$2.73 Rp 48.5K

35.90%

Imported Beer (0.33 liter bottle)

$1.99 IQD 2,604

$4.32 Rp 76.8K

-53.94%

Milk (1 liter)

$1.06 IQD 1,389

$1.54 Rp 27.4K

-31.17%

White Bread (500g)

$0.83 IQD 1,092

$2.30 Rp 40.8K

-63.91%

Rice (white) (1kg)

$1.53 IQD 2,000

$1.03 Rp 18.3K

48.54%

Eggs

$1.73 IQD 2,270

$2.12 Rp 37.7K

-18.40%

Local Cheese (1kg)

$3.61 IQD 4,728

$17.30 Rp 307.5K

-79.13%

Chicken Fillets (1kg)

$4.70 IQD 6,154

$4.03 Rp 71.6K

16.63%

Beef Round Steak (1kg)

$10.75 IQD 14.1K

$12.42 Rp 220.8K

-13.45%

Apples (1kg)

$1.11 IQD 1,453

$3.70 Rp 65.7K

-70.00%

Banana (1kg)

$1.08 IQD 1,417

$1.62 Rp 28.7K

-33.33%

Oranges (1kg)

$1.00 IQD 1,309

$2.27 Rp 40.3K

-55.95%

Tomato (1kg)

$0.73 IQD 958

$1.99 Rp 35.4K

-63.32%

Potato (1kg)

$0.65 IQD 854

$1.83 Rp 32.5K

-64.48%

Onion (1kg)

$0.65 IQD 852

$2.25 Rp 40.1K

-71.11%

Lettuce (1 head)

$0.62 IQD 817

$1.04 Rp 18.6K

-40.38%

Water (1.5 liter bottle)

$0.53 IQD 696

$0.56 Rp 10.0K

-5.36%

Cigarettes 20 Pack (Marlboro, Camel)

$1.69 IQD 2,212

$2.22 Rp 39.5K

-23.87%

Wine (Bottle)

$13.45 IQD 17.6K

$23.22 Rp 412.7K

-42.08%

Local Beer (0.5 liter bottle)

$2.15 IQD 2,810

$2.39 Rp 42.5K

-10.04%

Imported Beer (0.33 liter bottle)

$2.18 IQD 2,857

$2.87 Rp 51.1K

-24.04%

One-way Ticket (Public Transport)

$0.35 IQD 462

$0.25 Rp 4,416

40.00%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$1.51 IQD 1,973

$0.46 Rp 8,163

228.26%

Taxi (Normal Tariff) (1km)

$1.52 IQD 1,988

$0.46 Rp 8,235

230.43%

Taxi 1hour Waiting (Normal Tariff)

$5.38 IQD 7,043

$5.70 Rp 101.2K

-5.61%

Gasoline (1 liter)

$0.48 IQD 627

$0.76 Rp 13.6K

-36.84%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$11.9K IQD 15.6M

$24.6K Rp 436.7M

-51.43%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$18.4K IQD 24.1M

$31.0K Rp 551.5M

-40.72%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$37.65 IQD 49.3K

$82.2 Rp 1.5M

-54.18%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$17.15 IQD 22.5K

$6.33 Rp 112.5K

170.93%

Internet (50+ Mbps, Unlimited Data)

$37.09 IQD 48.6K

$18.54 Rp 329.6K

100.05%

Gym Membership (Monthly)

$29.17 IQD 38.2K

$56.1 Rp 996.2K

-47.96%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$9.76 IQD 12.8K

$4.26 Rp 75.8K

129.11%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$166 IQD 217.3K

$489 Rp 8.7M

-66.09%

International Primary School, 1 Child (Yearly)

$902 IQD 1.2M

$5,793 Rp 103.0M

-84.43%

Jeans (Levis 501 Or Similar)

$16.74 IQD 21.9K

$45.98 Rp 817.3K

-63.59%

Summer Dress (H&M, Zara, etc)

$26.64 IQD 34.9K

$35.86 Rp 637.4K

-25.71%

Sport Shoes (Adidas, Nike)

$73.3 IQD 96.0K

$79.5 Rp 1.4M

-7.82%

Men's Leather Business Shoes

$51.6 IQD 67.5K

$80.9 Rp 1.4M

-36.28%

1-bedroom Apartment, City Center (Monthly)

$255 IQD 333.7K

$1,144 Rp 20.3M

-77.72%

1-bedroom Apartment, Outside City Center (Monthly)

$137 IQD 179.8K

$692 Rp 12.3M

-80.16%

3-bedroom Apartment, City Center (Monthly)

$334 IQD 437.3K

$3,532 Rp 62.8M

-90.54%

3-bedroom Apartment, Outside City Center (Monthly)

$201 IQD 262.7K

$1,709 Rp 30.4M

-88.26%

Buy Apartment in City Center (m2)

$1,250 IQD 1.6M

$2,785 Rp 49.5M

-55.09%

Buy Apartment Outside City Center (m2)

$493 IQD 645.9K

$2,261 Rp 40.2M

-78.19%

Average Monthly Net Salary (After Tax)

$725 IQD 949.9K

$169 Rp 3.0M

328.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.12

13.78

-70.10%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for An Najaf: August 16, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A central one-bedroom costs $255 in An Najaf versus $1,144 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 328% higher in An Najaf, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $23.00 in An Najaf versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $172 vs $293 – making An Najaf the more affordable choice for daily food spending.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

An Najaf vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 116% more than An Najaf, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $956 per month in An Najaf and $2,069 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in An Najaf, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $637 in An Najaf and $1,379 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $166 per month in An Najaf and $489 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in An Najaf, where all-in costs run around $637, than in Ubud, Bali at $1,379. In An Najaf it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. An Najaf costs $637 versus $1,379 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with An Najaf. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.