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: $954 in Arzamas versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $1,466 in Arzamas versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,978 in Arzamas versus $3,723 in Ubud, Bali.

Living in Arzamas costs roughly 31% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Arzamas is 28% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$9.35 ₽745

$3.57 Rp 64.5K

161.90%

Three-Course Dinner for Two, Mid-Range

$37.43 ₽2,979

$32.32 Rp 583.4K

15.81%

Fast Food Meal (McDonalds, etc)

$5.73 ₽456

$5.01 Rp 90.4K

14.37%

Cappuccino

$2.25 ₽179

$2.82 Rp 51.0K

-20.21%

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

$1.12 ₽88.8

$1.35 Rp 24.4K

-17.04%

Water (0.33 liter bottle)

$0.51 ₽40.67

$0.73 Rp 13.2K

-30.14%

Local Beer (0.5 liter draught)

$1.40 ₽112

$2.93 Rp 53.0K

-52.22%

Imported Beer (0.33 liter bottle)

$2.49 ₽198

$3.94 Rp 71.1K

-36.80%

Milk (1 liter)

$1.12 ₽88.8

$1.78 Rp 32.1K

-37.08%

White Bread (500g)

$0.65 ₽52.1

$2.45 Rp 44.2K

-73.47%

Rice (white) (1kg)

$1.37 ₽109

$1.15 Rp 20.7K

19.13%

Eggs

$1.70 ₽135

$2.41 Rp 43.6K

-29.46%

Local Cheese (1kg)

$10.80 ₽859

$14.33 Rp 258.7K

-24.63%

Chicken Fillets (1kg)

$4.92 ₽391

$4.19 Rp 75.6K

17.42%

Beef Round Steak (1kg)

$8.71 ₽693

$12.06 Rp 217.7K

-27.78%

Apples (1kg)

$1.72 ₽137

$3.64 Rp 65.7K

-52.75%

Banana (1kg)

$1.88 ₽150

$1.57 Rp 28.3K

19.75%

Oranges (1kg)

$1.98 ₽157

$2.79 Rp 50.3K

-29.03%

Tomato (1kg)

$2.71 ₽215

$2.24 Rp 40.5K

20.98%

Potato (1kg)

$0.83 ₽66.2

$1.98 Rp 35.7K

-58.08%

Onion (1kg)

$0.66 ₽52.9

$2.28 Rp 41.1K

-71.05%

Lettuce (1 head)

$1.40 ₽112

$1.05 Rp 19.0K

33.33%

Water (1.5 liter bottle)

$0.72 ₽57.3

$0.79 Rp 14.2K

-8.86%

Cigarettes 20 Pack (Marlboro, Camel)

$2.85 ₽227

$3.19 Rp 57.6K

-10.66%

Wine (Bottle)

$6.46 ₽514

$23.49 Rp 424.1K

-72.50%

Local Beer (0.5 liter bottle)

$1.01 ₽80.0

$2.90 Rp 52.3K

-65.17%

Imported Beer (0.33 liter bottle)

$1.88 ₽150

$2.76 Rp 49.7K

-31.88%

One-way Ticket (Public Transport)

$0.53 ₽42.05

$0.27 Rp 4,813

96.30%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

Taxi Start (Normal Tariff)

$1.91 ₽152

$0.45 Rp 8,167

324.44%

Taxi (Normal Tariff) (1km)

$0.33 ₽26.23

$0.46 Rp 8,298

-28.26%

Taxi 1hour Waiting (Normal Tariff)

$6.51 ₽518

$6.07 Rp 109.6K

7.25%

Gasoline (1 liter)

$0.77 ₽61.3

$0.86 Rp 15.6K

-10.47%

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

$33.9K ₽2.7M

$26.6K Rp 480.0M

27.43%

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

$35.4K ₽2.8M

$32.5K Rp 587.6M

8.63%

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

$107 ₽8,553

$79.0 Rp 1.4M

35.99%

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

$5.82 ₽463

$4.09 Rp 73.9K

42.30%

Internet (50+ Mbps, Unlimited Data)

$7.94 ₽632

$23.85 Rp 430.5K

-66.71%

Gym Membership (Monthly)

$35.86 ₽2,854

$98.8 Rp 1.8M

-63.70%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$5.11 ₽407

$4.01 Rp 72.3K

27.43%

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

$325 ₽25.9K

$297 Rp 5.4M

9.37%

International Primary School, 1 Child (Yearly)

$7,044 ₽560.7K

$6,602 Rp 119.2M

6.70%

Jeans (Levis 501 Or Similar)

$70.2 ₽5,587

$53.4 Rp 964.5K

31.37%

Summer Dress (H&M, Zara, etc)

$45.06 ₽3,586

$38.11 Rp 688.1K

18.24%

Sport Shoes (Adidas, Nike)

$114 ₽9,058

$88.7 Rp 1.6M

28.38%

Men's Leather Business Shoes

$106 ₽8,408

$76.6 Rp 1.4M

37.88%

1-bedroom Apartment, City Center (Monthly)

$448 ₽35.6K

$1,020 Rp 18.4M

-56.09%

1-bedroom Apartment, Outside City Center (Monthly)

$300 ₽23.9K

$680 Rp 12.3M

-55.91%

3-bedroom Apartment, City Center (Monthly)

$758 ₽60.3K

$3,469 Rp 62.6M

-78.15%

3-bedroom Apartment, Outside City Center (Monthly)

$501 ₽39.9K

$2,090 Rp 37.7M

-76.04%

Buy Apartment in City Center (m2)

$2,008 ₽159.8K

$2,729 Rp 49.3M

-26.40%

Buy Apartment Outside City Center (m2)

$1,434 ₽114.1K

$2,295 Rp 41.4M

-37.55%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

15.33

13.28

15.44%

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

Last update for Arzamas: July 25, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $448 in Arzamas and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $37.00 in Arzamas vs $32.00 in Ubud, Bali. Groceries flip the comparison at $194 vs $298, with Arzamas cheaper for home cooking.

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 46% in total monthly costs ($954 vs $1,392 including rent). Arzamas is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,431 in Arzamas and $2,088 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: $448 in Arzamas versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $954 per month in Arzamas versus $1,392 in Ubud, Bali – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

At $954 in Arzamas versus $1,392 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 46% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.