Last update: Oct 2026

Cost of Living Comparison Between An Najaf and Ubud, Bali

For one person, living is cheaper in An Najaf: $586 a month against $1,368 in Ubud, Bali, rent and utilities included – about $9,400 less a year. Rent and utilities account for most of the difference.

29

Cost of Living Index in An Najaf
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An Najaf Living Index
67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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An Najaf

🇮🇶 Iraq

$586

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in An Najaf and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in An Najaf and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $586 per month in An Najaf vs $1,368 in Ubud, Bali, rent included.

An Najaf $586
Ubud, Bali $1,368

A couple spends around $888 per month in An Najaf vs $2,314 in Ubud, Bali, rent included.

An Najaf $888
Ubud, Bali $2,314

A family of three spends $1,190 per month in An Najaf vs $3,260 in Ubud, Bali, rent included.

An Najaf $1,190
Ubud, Bali $3,260

An Najaf is about 57% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

An Najaf sits 57% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.06 IQD 6,132

$3.33 Rp 59.8K

21.92%

Three-Course Dinner for Two, Mid-Range

$19.68 IQD 29.7K

$35.18 Rp 631.2K

-44.06%

Fast Food Meal (McDonalds, etc)

$4.25 IQD 6,429

$5.80 Rp 104.1K

-26.72%

Cappuccino

$2.29 IQD 3,455

$2.73 Rp 49.0K

-16.12%

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

$0.33 IQD 494

$1.64 Rp 29.4K

-79.88%

Water (0.33 liter bottle)

$0.20 IQD 302

$0.83 Rp 14.9K

-75.90%

Local Beer (0.5 liter draught)

$3.22 IQD 4,872

$2.70 Rp 48.4K

19.26%

Imported Beer (0.33 liter bottle)

$1.98 IQD 2,989

$4.30 Rp 77.1K

-53.95%

Milk (1 liter)

$0.90 IQD 1,363

$1.50 Rp 27.0K

-40.00%

White Bread (500g)

$0.68 IQD 1,022

$2.30 Rp 41.2K

-70.43%

Rice (white) (1kg)

$1.31 IQD 1,981

$1.18 Rp 21.1K

11.02%

Eggs

$1.48 IQD 2,240

$2.14 Rp 38.5K

-30.84%

Local Cheese (1kg)

$3.41 IQD 5,154

$17.48 Rp 313.6K

-80.49%

Chicken Fillets (1kg)

$4.07 IQD 6,157

$4.03 Rp 72.3K

0.99%

Beef Round Steak (1kg)

$9.27 IQD 14.0K

$12.23 Rp 219.4K

-24.20%

Apples (1kg)

$1.01 IQD 1,530

$3.55 Rp 63.7K

-71.55%

Banana (1kg)

$0.96 IQD 1,445

$1.57 Rp 28.2K

-38.85%

Oranges (1kg)

$0.88 IQD 1,333

$2.24 Rp 40.1K

-60.71%

Tomato (1kg)

$0.63 IQD 950

$1.93 Rp 34.6K

-67.36%

Potato (1kg)

$0.58 IQD 880

$1.88 Rp 33.8K

-69.15%

Onion (1kg)

$0.56 IQD 841

$2.29 Rp 41.1K

-75.55%

Lettuce (1 head)

$0.58 IQD 875

$0.99 Rp 17.8K

-41.41%

Water (1.5 liter bottle)

$0.49 IQD 742

$0.53 Rp 9,445

-7.55%

Cigarettes 20 Pack (Marlboro, Camel)

$1.70 IQD 2,564

$2.28 Rp 41.0K

-25.44%

Wine (Bottle)

$11.66 IQD 17.6K

$23.01 Rp 412.9K

-49.33%

Local Beer (0.5 liter bottle)

$1.92 IQD 2,907

$2.34 Rp 42.0K

-17.95%

Imported Beer (0.33 liter bottle)

$1.93 IQD 2,923

$2.91 Rp 52.2K

-33.68%

One-way Ticket (Public Transport)

$0.33 IQD 492

$0.24 Rp 4,301

37.50%

Public Transport Monthly Pass (Regular Price)

$18.92 IQD 28.6K

$8.82 Rp 158.2K

114.51%

Taxi Start (Normal Tariff)

$1.34 IQD 2,022

$0.48 Rp 8,657

179.17%

Taxi (Normal Tariff) (1km)

$1.29 IQD 1,942

$0.46 Rp 8,207

180.43%

Taxi 1hour Waiting (Normal Tariff)

$5.36 IQD 8,095

$5.45 Rp 97.9K

-1.65%

Gasoline (1 liter)

$0.39 IQD 584

$0.88 Rp 15.9K

-55.68%

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

$12.0K IQD 18.1M

$24.6K Rp 440.8M

-51.19%

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

$16.7K IQD 25.3M

$31.2K Rp 559.6M

-46.35%

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

$34.90 IQD 52.7K

$83.0 Rp 1.5M

-57.96%

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

$14.79 IQD 22.3K

$6.45 Rp 115.7K

129.30%

Internet (50+ Mbps, Unlimited Data)

$32.93 IQD 49.8K

$18.57 Rp 333.1K

77.33%

Gym Membership (Monthly)

$25.24 IQD 38.1K

$55.8 Rp 1.0M

-54.78%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.9K

Cinema Ticket

$8.38 IQD 12.7K

$4.38 Rp 78.6K

91.32%

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

$147 IQD 222.3K

$493 Rp 8.8M

-70.16%

International Primary School, 1 Child (Yearly)

$799 IQD 1.2M

$5,754 Rp 103.2M

-86.11%

Jeans (Levis 501 Or Similar)

$14.90 IQD 22.5K

$46.19 Rp 828.8K

-67.74%

Summer Dress (H&M, Zara, etc)

$23.76 IQD 35.9K

$35.33 Rp 634.0K

-32.75%

Sport Shoes (Adidas, Nike)

$60.5 IQD 91.5K

$79.1 Rp 1.4M

-23.47%

Men's Leather Business Shoes

$41.72 IQD 63.0K

$78.4 Rp 1.4M

-46.78%

1-bedroom Apartment, City Center (Monthly)

$235 IQD 354.8K

$1,142 Rp 20.5M

-79.45%

1-bedroom Apartment, Outside City Center (Monthly)

$124 IQD 187.9K

$676 Rp 12.1M

-81.60%

3-bedroom Apartment, City Center (Monthly)

$319 IQD 481.5K

$3,503 Rp 62.9M

-90.90%

3-bedroom Apartment, Outside City Center (Monthly)

$194 IQD 292.4K

$1,700 Rp 30.5M

-88.61%

Buy Apartment in City Center (m2)

$1,118 IQD 1.7M

$2,784 Rp 50.0M

-59.86%

Buy Apartment Outside City Center (m2)

$455 IQD 687.3K

$2,241 Rp 40.2M

-79.70%

Average Monthly Net Salary (After Tax)

$659 IQD 996.4K

$165 Rp 3.0M

300.75%

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: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

An Najaf

$151 25.7%

Ubud, Bali

$290 21.2% 92.7% $140

Accommodation & Living

An Najaf

$124 21.2%

Ubud, Bali

$676 49.4% 444% $551

Eating Out

An Najaf

$95 16.2%

Ubud, Bali

$109 8% 14.7% $14

Monthly Utilities & Internet

An Najaf

$83 14.1%

Ubud, Bali

$108 7.9% 30.8% $25

Clothing & Footwear

An Najaf

$63 10.8%

Ubud, Bali

$108 7.9% 69.6% $44

Sport & Entertainment

An Najaf

$42 7.2%

Ubud, Bali

$65 4.7% 53.8% $23

Getting Around

An Najaf

$28 4.8%

Ubud, Bali

$13 0.9% 55.1% $15

Cost Breakdown

A central one-bedroom costs $235 in An Najaf versus $1,142 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 301% 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 $20.00 in An Najaf versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $151 vs $290 – making An Najaf the more affordable choice for daily food spending.

Good to know

🇮🇶 An Najaf

🇮🇩 Ubud, Bali

🕒 Local time

20:05 8:05 PM

01:05 1:05 AM

5 h ahead of An Najaf

🌤 Weather

👥 Population

1,221,248

74,800

💱 Currency

Iraqi Dinar IQD ع.د

Indonesian Rupiah IDR Rp

📈 Exchange rate

10,000 IQD = 6.62 USD

10,000 IQD = 5.89 EUR

100,000 IDR = 5.57 USD

100,000 IDR = 4.96 EUR

Exchange rates and currency converter

IDR, USD, EUR to IQD – Iraqi Dinar Converter

🇺🇸 United States Dollar ($)

🇮🇶 Iraqi Dinar (ع.د)

Iraqi Dinar exchange rates as of October 17, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,699 IQD (10,000 IQD = 5.89 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 17,943 IDR (100,000 IDR = 5.57 USD). 1 EUR = 20,174 IDR (100,000 IDR = 4.96 EUR).

USD to IQD in detail →

On the map

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Highest

Between locations

An Najaf Ubud, Bali 8,750 km ≈ 11 h nonstop flight

From you

An Najaf
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

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 133% more than An Najaf, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $879 per month in An Najaf and $2,051 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 $586 in An Najaf and $1,368 in Ubud, Bali. That's a gap of about 133%.

Public transport costs about 115% less in An Najaf. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in An Najaf, where all-in costs run around $586, than in Ubud, Bali at $1,368. 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 $586 versus $1,368 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.