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 $675 per month in An Najaf vs $1,438 in Ubud, Bali, rent included.

A couple spends around $1,012 per month in An Najaf vs $2,585 in Ubud, Bali, rent included.

A family of three spends $1,349 per month in An Najaf vs $3,732 in Ubud, Bali, rent included.

An Najaf is about 53% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

An Najaf sits 50% below the global median, while Ubud, Bali is 7% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.00 IQD 5,235

$3.57 Rp 61.6K

12.04%

Three-Course Dinner for Two, Mid-Range

$22.73 IQD 29.8K

$32.58 Rp 562.6K

-30.23%

Fast Food Meal (McDonalds, etc)

$4.66 IQD 6,102

$5.07 Rp 87.5K

-8.09%

Cappuccino

$2.74 IQD 3,594

$2.83 Rp 48.8K

-3.18%

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

$0.37 IQD 479

$1.34 Rp 23.1K

-72.39%

Water (0.33 liter bottle)

$0.17 IQD 226

$0.69 Rp 12.0K

-75.36%

Local Beer (0.5 liter draught)

$3.54 IQD 4,638

$2.99 Rp 51.6K

18.39%

Imported Beer (0.33 liter bottle)

$2.82 IQD 3,694

$3.85 Rp 66.4K

-26.75%

Milk (1 liter)

$1.38 IQD 1,805

$1.74 Rp 30.1K

-20.69%

White Bread (500g)

$0.84 IQD 1,102

$2.54 Rp 43.8K

-66.93%

Rice (white) (1kg)

$1.66 IQD 2,173

$1.19 Rp 20.6K

39.50%

Eggs

$1.79 IQD 2,339

$2.43 Rp 41.9K

-26.34%

Local Cheese (1kg)

$2.30 IQD 3,007

$14.66 Rp 253.2K

-84.31%

Chicken Fillets (1kg)

$5.09 IQD 6,663

$4.18 Rp 72.1K

21.77%

Beef Round Steak (1kg)

$10.77 IQD 14.1K

$11.94 Rp 206.1K

-9.80%

Apples (1kg)

$1.27 IQD 1,662

$3.69 Rp 63.6K

-65.58%

Banana (1kg)

$1.16 IQD 1,514

$1.61 Rp 27.7K

-27.95%

Oranges (1kg)

$1.06 IQD 1,387

$2.69 Rp 46.4K

-60.59%

Tomato (1kg)

$0.74 IQD 971

$2.33 Rp 40.2K

-68.24%

Potato (1kg)

$0.65 IQD 850

$1.91 Rp 32.9K

-65.97%

Onion (1kg)

$0.67 IQD 883

$2.19 Rp 37.7K

-69.41%

Lettuce (1 head)

$0.60 IQD 790

$1.06 Rp 18.3K

-43.40%

Water (1.5 liter bottle)

$0.37 IQD 482

$0.72 Rp 12.5K

-48.61%

Cigarettes 20 Pack (Marlboro, Camel)

$1.49 IQD 1,946

$3.13 Rp 54.1K

-52.40%

Wine (Bottle)

$13.42 IQD 17.6K

$23.49 Rp 405.6K

-42.87%

Local Beer (0.5 liter bottle)

$1.76 IQD 2,307

$2.74 Rp 47.3K

-35.77%

Imported Beer (0.33 liter bottle)

$2.16 IQD 2,833

$2.88 Rp 49.7K

-25.00%

One-way Ticket (Public Transport)

$0.36 IQD 476

$0.29 Rp 5,010

24.14%

Public Transport Monthly Pass (Regular Price)

$34.31 IQD 44.9K

$8.17 Rp 141.0K

319.95%

Taxi Start (Normal Tariff)

$1.93 IQD 2,531

$0.45 Rp 7,834

328.89%

Taxi (Normal Tariff) (1km)

$1.53 IQD 2,001

$0.42 Rp 7,278

264.29%

Taxi 1hour Waiting (Normal Tariff)

$4.87 IQD 6,381

$6.16 Rp 106.3K

-20.94%

Gasoline (1 liter)

$0.47 IQD 618

$0.84 Rp 14.5K

-44.05%

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

$11.7K IQD 15.3M

$26.2K Rp 453.1M

-55.39%

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

$20.1K IQD 26.3M

$32.5K Rp 560.8M

-38.12%

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

$59.6 IQD 78.1K

$78.4 Rp 1.4M

-23.95%

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

$23.19 IQD 30.4K

$3.95 Rp 68.2K

487.09%

Internet (50+ Mbps, Unlimited Data)

$34.04 IQD 44.6K

$24.40 Rp 421.4K

39.51%

Gym Membership (Monthly)

$29.85 IQD 39.1K

$96.5 Rp 1.7M

-69.08%

Tennis Court (1 Hour on Weekend)

$15.09 IQD 19.8K

$6.35 Rp 109.6K

137.64%

Cinema Ticket

$7.61 IQD 9,965

$4.04 Rp 69.7K

88.37%

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

$166 IQD 217.3K

$303 Rp 5.2M

-45.17%

International Primary School, 1 Child (Yearly)

$913 IQD 1.2M

$6,523 Rp 112.6M

-86.00%

Jeans (Levis 501 Or Similar)

$16.29 IQD 21.3K

$53.8 Rp 929.5K

-69.74%

Summer Dress (H&M, Zara, etc)

$24.72 IQD 32.4K

$37.98 Rp 655.8K

-34.91%

Sport Shoes (Adidas, Nike)

$65.4 IQD 85.6K

$86.8 Rp 1.5M

-24.67%

Men's Leather Business Shoes

$42.68 IQD 55.9K

$78.9 Rp 1.4M

-45.88%

1-bedroom Apartment, City Center (Monthly)

$239 IQD 312.5K

$1,012 Rp 17.5M

-76.43%

1-bedroom Apartment, Outside City Center (Monthly)

$134 IQD 175.8K

$674 Rp 11.6M

-80.10%

3-bedroom Apartment, City Center (Monthly)

$380 IQD 498.2K

$3,390 Rp 58.5M

-88.78%

3-bedroom Apartment, Outside City Center (Monthly)

$153 IQD 200.0K

$2,098 Rp 36.2M

-92.72%

Buy Apartment in City Center (m2)

$1,266 IQD 1.7M

$2,985 Rp 51.5M

-57.60%

Buy Apartment Outside City Center (m2)

$481 IQD 629.9K

$2,339 Rp 40.4M

-79.44%

Average Monthly Net Salary (After Tax)

$746 IQD 976.6K

$173 Rp 3.0M

330.64%

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: April 27, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A central one-bedroom costs $239 in An Najaf versus $1,012 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 331% 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: $172 vs $298 – 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 113% 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 $1,013 per month in An Najaf and $2,158 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 $675 in An Najaf and $1,438 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 320% 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 $675, than in Ubud, Bali at $1,438. 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 $675 versus $1,438 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.