Last update: Oct 2026

Cost of Living Comparison Between Arzamas and Ubud, Bali

For one person, living is cheaper in Arzamas: $1,117 a month against $1,349 in Ubud, Bali, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

53

Cost of Living Index in Arzamas
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Arzamas Living Index
65

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

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Arzamas

🇷🇺 Russia

$1,117

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Arzamas 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 Arzamas and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,117 in Arzamas versus $1,349 in Ubud, Bali.

Arzamas $1,117
Ubud, Bali $1,349

Estimated couple costs with rent: $1,737 in Arzamas versus $2,305 in Ubud, Bali.

Arzamas $1,737
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,357 in Arzamas versus $3,261 in Ubud, Bali.

Arzamas $2,357
Ubud, Bali $3,261

Living in Arzamas costs roughly 17% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$12.60 ₽1,015

$3.32 Rp 60.3K

279.52%

Three-Course Dinner for Two, Mid-Range

$38.36 ₽3,090

$35.64 Rp 646.5K

7.63%

Fast Food Meal (McDonalds, etc)

$6.10 ₽491

$5.53 Rp 100.4K

10.31%

Cappuccino

$2.65 ₽214

$2.72 Rp 49.3K

-2.57%

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

$1.08 ₽86.9

$1.70 Rp 30.9K

-36.47%

Water (0.33 liter bottle)

$0.66 ₽52.9

$0.76 Rp 13.8K

-13.16%

Local Beer (0.5 liter draught)

$1.90 ₽153

$2.65 Rp 48.1K

-28.30%

Imported Beer (0.33 liter bottle)

$3.22 ₽260

$4.38 Rp 79.5K

-26.48%

Milk (1 liter)

$1.30 ₽105

$1.49 Rp 27.0K

-12.75%

White Bread (500g)

$0.79 ₽63.8

$2.28 Rp 41.3K

-65.35%

Rice (white) (1kg)

$1.57 ₽127

$1.19 Rp 21.6K

31.93%

Eggs

$1.68 ₽136

$2.04 Rp 36.9K

-17.65%

Local Cheese (1kg)

$9.96 ₽802

$17.70 Rp 321.1K

-43.73%

Chicken Fillets (1kg)

$5.69 ₽458

$3.96 Rp 71.9K

43.69%

Beef Round Steak (1kg)

$12.43 ₽1,001

$12.19 Rp 221.1K

1.97%

Apples (1kg)

$1.79 ₽144

$3.66 Rp 66.3K

-51.09%

Banana (1kg)

$1.79 ₽144

$1.52 Rp 27.5K

17.76%

Oranges (1kg)

$1.58 ₽127

$2.23 Rp 40.4K

-29.15%

Tomato (1kg)

$3.03 ₽244

$1.97 Rp 35.8K

53.81%

Potato (1kg)

$0.77 ₽61.9

$1.85 Rp 33.5K

-58.38%

Onion (1kg)

$0.54 ₽43.79

$2.42 Rp 44.0K

-77.69%

Lettuce (1 head)

$1.31 ₽105

$0.99 Rp 18.0K

32.32%

Water (1.5 liter bottle)

$0.73 ₽59.0

$0.51 Rp 9,313

43.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₽216

$2.22 Rp 40.3K

21.17%

Wine (Bottle)

$8.28 ₽667

$22.24 Rp 403.4K

-62.77%

Local Beer (0.5 liter bottle)

$1.20 ₽97.0

$2.26 Rp 41.0K

-46.90%

Imported Beer (0.33 liter bottle)

$2.06 ₽166

$2.97 Rp 53.9K

-30.64%

One-way Ticket (Public Transport)

$0.51 ₽40.90

$0.25 Rp 4,553

104.00%

Public Transport Monthly Pass (Regular Price)

$26.27 ₽2,115

$7.82 Rp 141.9K

235.93%

Taxi Start (Normal Tariff)

$2.27 ₽183

$0.44 Rp 7,972

415.91%

Taxi (Normal Tariff) (1km)

$0.34 ₽27.10

$0.43 Rp 7,801

-20.93%

Taxi 1hour Waiting (Normal Tariff)

$5.64 ₽454

$5.41 Rp 98.1K

4.25%

Gasoline (1 liter)

$0.92 ₽74.5

$0.82 Rp 15.0K

12.20%

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

$60.6K ₽4.9M

$23.8K Rp 432.4M

154.12%

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

$41.2K ₽3.3M

$31.7K Rp 575.9M

29.72%

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

$143 ₽11.5K

$79.1 Rp 1.4M

80.43%

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

$7.06 ₽568

$6.45 Rp 116.9K

9.46%

Internet (50+ Mbps, Unlimited Data)

$7.59 ₽611

$18.58 Rp 337.0K

-59.15%

Gym Membership (Monthly)

$36.06 ₽2,904

$49.48 Rp 897.5K

-27.12%

Tennis Court (1 Hour on Weekend)

$25.44 ₽2,049

$17.65 Rp 320.1K

44.14%

Cinema Ticket

$6.94 ₽559

$4.27 Rp 77.5K

62.53%

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

$373 ₽30.1K

$491 Rp 8.9M

-23.92%

International Primary School, 1 Child (Yearly)

$7,263 ₽584.9K

$5,674 Rp 102.9M

28.00%

Jeans (Levis 501 Or Similar)

$76.4 ₽6,156

$44.64 Rp 809.7K

71.24%

Summer Dress (H&M, Zara, etc)

$51.3 ₽4,128

$34.95 Rp 634.0K

46.67%

Sport Shoes (Adidas, Nike)

$116 ₽9,369

$79.9 Rp 1.4M

45.61%

Men's Leather Business Shoes

$113 ₽9,109

$79.4 Rp 1.4M

42.42%

1-bedroom Apartment, City Center (Monthly)

$303 ₽24.4K

$1,125 Rp 20.4M

-73.02%

1-bedroom Apartment, Outside City Center (Monthly)

$328 ₽26.4K

$671 Rp 12.2M

-51.11%

3-bedroom Apartment, City Center (Monthly)

$497 ₽40.0K

$3,565 Rp 64.7M

-86.07%

3-bedroom Apartment, Outside City Center (Monthly)

$596 ₽48.0K

$1,723 Rp 31.3M

-65.43%

Buy Apartment in City Center (m2)

$2,238 ₽180.2K

$2,732 Rp 49.5M

-18.07%

Buy Apartment Outside City Center (m2)

$1,752 ₽141.1K

$2,284 Rp 41.4M

-23.27%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

21.45

13.78

55.66%

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

Last update for Arzamas: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Arzamas

$328 29.4%

Ubud, Bali

$672 49.8% 105% $343

Groceries & Markets

Arzamas

$215 19.2%

Ubud, Bali

$288 21.4% 34.3% $74

Eating Out

Arzamas

$174 15.6%

Ubud, Bali

$108 8% 38% $66

Clothing & Footwear

Arzamas

$161 14.4%

Ubud, Bali

$108 8% 33.1% $53

Monthly Utilities & Internet

Arzamas

$157 14.1%

Ubud, Bali

$104 7.7% 33.8% $53

Sport & Entertainment

Arzamas

$50 4.5%

Ubud, Bali

$58 4.3% 16.2% $8.1

Getting Around

Arzamas

$32 2.9%

Ubud, Bali

$11 0.9% 64.6% $21

Cost Breakdown

A one-bedroom apartment in the center runs $303 in Arzamas and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $38 in Arzamas vs $36 in Ubud, Bali. Groceries flip the comparison at $215 vs $288, with Arzamas cheaper for home cooking.

Good to know

🇷🇺 Arzamas

🇮🇩 Ubud, Bali

🕒 Local time

04:07 4:07 AM

09:07 9:07 AM

5 h ahead of Arzamas

🌤 Weather

👥 Population

103,396

74,800

💱 Currency

Russian Ruble RUB ₽

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 RUB = 1.24 USD

100 RUB = 1.11 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to RUB – Russian Ruble Converter

🇺🇸 United States Dollar ($)

🇷🇺 Russian Ruble (₽)

Russian Ruble exchange rates as of November 2, 2026: 1 USD = 80.53 RUB (100 RUB = 1.24 USD). 1 EUR = 89.92 RUB (100 RUB = 1.11 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to RUB in detail →

On the map

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Highest

Between locations

Arzamas Ubud, Bali 9,640 km ≈ 13 h nonstop flight

From you

Arzamas
Ubud, Bali

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

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

Total monthly costs including rent come to $1,117 in Arzamas and $1,349 in Ubud, Bali, so Arzamas is about 17% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,676 in Arzamas and $2,023 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: $303 in Arzamas versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,117 per month in Arzamas versus $1,349 in Ubud, Bali – Arzamas is about 17% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 70% less than in Arzamas. The price difference matters if you commute daily and watch your budget.

Either city works on $2,000 a month, though Arzamas gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.