Cost of Living Comparison Between Arzamas and Ubud, Bali Cost of Living Comparison Between Arzamas and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,011 in Arzamas versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $1,597 in Arzamas versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,182 in Arzamas versus $3,327 in Ubud, Bali.

Living in Arzamas costs roughly 26% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Arzamas is 26% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$10.66 ₽901

$3.44 Rp 60.9K

209.88%

Three-Course Dinner for Two, Mid-Range

$31.71 ₽2,679

$36.31 Rp 643.0K

-12.67%

Fast Food Meal (McDonalds, etc)

$6.90 ₽583

$5.71 Rp 101.0K

20.84%

Cappuccino

$2.42 ₽205

$2.67 Rp 47.3K

-9.36%

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

$1.04 ₽87.6

$1.75 Rp 31.0K

-40.57%

Water (0.33 liter bottle)

$0.56 ₽47.00

$0.87 Rp 15.4K

-35.63%

Local Beer (0.5 liter draught)

$1.91 ₽162

$2.95 Rp 52.3K

-35.25%

Imported Beer (0.33 liter bottle)

$3.14 ₽265

$4.52 Rp 80.0K

-30.53%

Milk (1 liter)

$1.17 ₽98.6

$1.62 Rp 28.7K

-27.78%

White Bread (500g)

$0.75 ₽63.3

$2.33 Rp 41.3K

-67.81%

Rice (white) (1kg)

$1.25 ₽105

$1.11 Rp 19.6K

12.61%

Eggs

$1.37 ₽116

$2.20 Rp 39.0K

-37.73%

Local Cheese (1kg)

$10.29 ₽869

$17.69 Rp 313.3K

-41.83%

Chicken Fillets (1kg)

$5.12 ₽433

$4.10 Rp 72.5K

24.88%

Beef Round Steak (1kg)

$10.12 ₽855

$12.18 Rp 215.6K

-16.91%

Apples (1kg)

$1.70 ₽144

$3.71 Rp 65.6K

-54.18%

Banana (1kg)

$1.59 ₽134

$1.59 Rp 28.1K

Oranges (1kg)

$1.65 ₽139

$2.28 Rp 40.4K

-27.63%

Tomato (1kg)

$2.76 ₽234

$1.95 Rp 34.6K

41.54%

Potato (1kg)

$0.69 ₽58.0

$1.91 Rp 33.7K

-63.87%

Onion (1kg)

$0.61 ₽51.8

$2.33 Rp 41.3K

-73.82%

Lettuce (1 head)

$1.41 ₽119

$1.01 Rp 17.8K

39.60%

Water (1.5 liter bottle)

$0.66 ₽55.9

$0.55 Rp 9,773

20.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.16 ₽267

$2.23 Rp 39.5K

41.70%

Wine (Bottle)

$7.78 ₽657

$23.07 Rp 408.6K

-66.28%

Local Beer (0.5 liter bottle)

$1.05 ₽89.1

$2.42 Rp 42.8K

-56.61%

Imported Beer (0.33 liter bottle)

$2.05 ₽173

$3.00 Rp 53.1K

-31.67%

One-way Ticket (Public Transport)

$0.49 ₽41.65

$0.27 Rp 4,814

81.48%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

Taxi Start (Normal Tariff)

$2.40 ₽203

$0.48 Rp 8,566

400.00%

Taxi (Normal Tariff) (1km)

$0.28 ₽23.96

$0.43 Rp 7,679

-34.88%

Taxi 1hour Waiting (Normal Tariff)

$6.20 ₽524

$5.64 Rp 99.9K

9.93%

Gasoline (1 liter)

$0.85 ₽72.1

$0.80 Rp 14.2K

6.25%

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

$30.0K ₽2.5M

$24.9K Rp 441.7M

20.42%

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

$32.7K ₽2.8M

$31.7K Rp 561.5M

3.20%

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

$114 ₽9,661

$81.5 Rp 1.4M

40.38%

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

$6.21 ₽524

$6.49 Rp 115.0K

-4.31%

Internet (50+ Mbps, Unlimited Data)

$8.09 ₽684

$18.77 Rp 332.4K

-56.90%

Gym Membership (Monthly)

$38.88 ₽3,285

$56.9 Rp 1.0M

-31.63%

Tennis Court (1 Hour on Weekend)

$22.50 ₽1,901

$18.73 Rp 331.7K

20.13%

Cinema Ticket

$5.12 ₽432

$4.54 Rp 80.4K

12.78%

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

$289 ₽24.4K

$481 Rp 8.5M

-39.83%

International Primary School, 1 Child (Yearly)

$7,150 ₽604.1K

$5,711 Rp 101.1M

25.19%

Jeans (Levis 501 Or Similar)

$65.5 ₽5,533

$45.52 Rp 806.0K

43.87%

Summer Dress (H&M, Zara, etc)

$56.6 ₽4,782

$35.88 Rp 635.4K

57.75%

Sport Shoes (Adidas, Nike)

$112 ₽9,447

$80.4 Rp 1.4M

39.10%

Men's Leather Business Shoes

$94.1 ₽7,946

$78.7 Rp 1.4M

19.55%

1-bedroom Apartment, City Center (Monthly)

$298 ₽25.2K

$1,115 Rp 19.7M

-73.28%

1-bedroom Apartment, Outside City Center (Monthly)

$317 ₽26.8K

$698 Rp 12.4M

-54.53%

3-bedroom Apartment, City Center (Monthly)

$481 ₽40.6K

$3,637 Rp 64.4M

-86.78%

3-bedroom Apartment, Outside City Center (Monthly)

$568 ₽48.0K

$1,737 Rp 30.8M

-67.33%

Buy Apartment in City Center (m2)

$2,219 ₽187.5K

$2,784 Rp 49.3M

-20.30%

Buy Apartment Outside City Center (m2)

$1,399 ₽118.2K

$2,290 Rp 40.5M

-38.91%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

52.39%

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

Last update for Arzamas: September 14, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $298 in Arzamas and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Arzamas vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $197 vs $295 per month, with Arzamas cheaper across the board.

City Median Internet Speeds Comparison (Updated March 2026)

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

Digital Nomad Cost of Living Index

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

Arzamas and Ubud, Bali differ by about 35% in total monthly costs ($1,011 vs $1,368 including rent). Arzamas is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,516 in Arzamas and $2,052 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $298 in Arzamas versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 50% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,011 per month in Arzamas versus $1,368 in Ubud, Bali – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,011 in Arzamas versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in Arzamas but tight or insufficient in Ubud, Bali. The gap between the two cities makes Arzamas the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Arzamas and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Arzamas gentler on the wallet – expenses run 35% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.