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 $677 per month in An Najaf vs $1,404 in Ubud, Bali, rent included.

A couple spends around $997 per month in An Najaf vs $2,549 in Ubud, Bali, rent included.

A family of three spends $1,317 per month in An Najaf vs $3,694 in Ubud, Bali, rent included.

An Najaf is about 52% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

An Najaf sits 50% below the global median, while Ubud, Bali is 4% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.01 IQD 5,251

$3.57 Rp 64.0K

12.32%

Three-Course Dinner for Two, Mid-Range

$23.23 IQD 30.4K

$32.50 Rp 582.3K

-28.52%

Fast Food Meal (McDonalds, etc)

$4.82 IQD 6,311

$4.86 Rp 87.1K

-0.82%

Cappuccino

$2.67 IQD 3,500

$2.75 Rp 49.2K

-2.91%

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

$0.36 IQD 476

$1.32 Rp 23.7K

-72.73%

Water (0.33 liter bottle)

$0.18 IQD 233

$0.70 Rp 12.6K

-74.29%

Local Beer (0.5 liter draught)

$3.41 IQD 4,462

$2.91 Rp 52.2K

17.18%

Imported Beer (0.33 liter bottle)

$2.93 IQD 3,840

$3.79 Rp 68.0K

-22.69%

Milk (1 liter)

$1.38 IQD 1,804

$1.71 Rp 30.6K

-19.30%

White Bread (500g)

$0.78 IQD 1,021

$2.47 Rp 44.3K

-68.42%

Rice (white) (1kg)

$1.57 IQD 2,058

$1.20 Rp 21.5K

30.83%

Eggs

$1.72 IQD 2,258

$2.44 Rp 43.8K

-29.51%

Local Cheese (1kg)

$2.38 IQD 3,121

$14.38 Rp 257.7K

-83.45%

Chicken Fillets (1kg)

$4.80 IQD 6,281

$4.31 Rp 77.1K

11.37%

Beef Round Steak (1kg)

$10.53 IQD 13.8K

$12.21 Rp 218.7K

-13.76%

Apples (1kg)

$1.27 IQD 1,658

$3.68 Rp 66.0K

-65.49%

Banana (1kg)

$1.16 IQD 1,513

$1.55 Rp 27.8K

-25.16%

Oranges (1kg)

$1.06 IQD 1,387

$2.79 Rp 49.9K

-62.01%

Tomato (1kg)

$0.74 IQD 963

$2.33 Rp 41.8K

-68.24%

Potato (1kg)

$0.69 IQD 905

$1.97 Rp 35.3K

-64.97%

Onion (1kg)

$0.68 IQD 889

$2.31 Rp 41.4K

-70.56%

Lettuce (1 head)

$0.62 IQD 806

$1.06 Rp 19.1K

-41.51%

Water (1.5 liter bottle)

$0.37 IQD 479

$0.73 Rp 13.1K

-49.32%

Cigarettes 20 Pack (Marlboro, Camel)

$1.49 IQD 1,951

$3.28 Rp 58.8K

-54.57%

Wine (Bottle)

$13.65 IQD 17.9K

$22.79 Rp 408.4K

-40.11%

Local Beer (0.5 liter bottle)

$1.84 IQD 2,404

$2.81 Rp 50.3K

-34.52%

Imported Beer (0.33 liter bottle)

$2.08 IQD 2,719

$2.78 Rp 49.9K

-25.18%

One-way Ticket (Public Transport)

$0.40 IQD 522

$0.29 Rp 5,217

37.93%

Public Transport Monthly Pass (Regular Price)

$34.74 IQD 45.5K

$8.06 Rp 144.4K

331.02%

Taxi Start (Normal Tariff)

$1.92 IQD 2,515

$0.45 Rp 8,047

326.67%

Taxi (Normal Tariff) (1km)

$1.48 IQD 1,939

$0.45 Rp 8,094

228.89%

Taxi 1hour Waiting (Normal Tariff)

$4.89 IQD 6,398

$6.24 Rp 111.7K

-21.63%

Gasoline (1 liter)

$0.48 IQD 632

$0.85 Rp 15.2K

-43.53%

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

$11.6K IQD 15.2M

$26.0K Rp 465.4M

-55.36%

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

$19.6K IQD 25.7M

$31.7K Rp 567.2M

-37.95%

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

$59.8 IQD 78.3K

$80.8 Rp 1.4M

-25.99%

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

$22.94 IQD 30.0K

$4.06 Rp 72.7K

465.02%

Internet (50+ Mbps, Unlimited Data)

$34.50 IQD 45.2K

$24.42 Rp 437.6K

41.28%

Gym Membership (Monthly)

$29.33 IQD 38.4K

$97.7 Rp 1.7M

-69.97%

Tennis Court (1 Hour on Weekend)

$15.05 IQD 19.7K

$6.45 Rp 115.5K

133.33%

Cinema Ticket

$7.67 IQD 10.0K

$4.04 Rp 72.4K

89.85%

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

$165 IQD 216.6K

$304 Rp 5.4M

-45.59%

International Primary School, 1 Child (Yearly)

$917 IQD 1.2M

$6,621 Rp 118.6M

-86.14%

Jeans (Levis 501 Or Similar)

$16.27 IQD 21.3K

$54.2 Rp 971.7K

-70.00%

Summer Dress (H&M, Zara, etc)

$25.45 IQD 33.3K

$38.78 Rp 694.7K

-34.37%

Sport Shoes (Adidas, Nike)

$64.7 IQD 84.8K

$86.1 Rp 1.5M

-24.85%

Men's Leather Business Shoes

$42.71 IQD 55.9K

$76.7 Rp 1.4M

-44.29%

1-bedroom Apartment, City Center (Monthly)

$238 IQD 311.7K

$986 Rp 17.7M

-75.85%

1-bedroom Apartment, Outside City Center (Monthly)

$132 IQD 173.4K

$658 Rp 11.8M

-79.87%

3-bedroom Apartment, City Center (Monthly)

$383 IQD 501.1K

$3,369 Rp 60.4M

-88.64%

3-bedroom Apartment, Outside City Center (Monthly)

$151 IQD 198.2K

$2,066 Rp 37.0M

-92.67%

Buy Apartment in City Center (m2)

$1,276 IQD 1.7M

$2,741 Rp 49.1M

-53.44%

Buy Apartment Outside City Center (m2)

$480 IQD 628.7K

$2,228 Rp 39.9M

-78.45%

Average Monthly Net Salary (After Tax)

$752 IQD 984.2K

$163 Rp 2.9M

359.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.67

13.28

-57.30%

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

Last update for An Najaf: June 7, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A central one-bedroom costs $238 in An Najaf versus $986 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 360% 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 $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $170 vs $297 – 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 107% 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 $1,016 per month in An Najaf and $2,106 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 $677 in An Najaf and $1,404 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 331% 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 $677, than in Ubud, Bali at $1,404. 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 $677 versus $1,404 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.