Last update: Nov 2026

Cost of Living Comparison Between Erbil and Ubud, Bali

For one person, living is cheaper in Erbil: $960 a month against $1,331 in Ubud, Bali, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

46

Cost of Living Index in Erbil
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Erbil Living Index
64

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

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Erbil

🇮🇶 Iraq

$960

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $960 per month in Erbil vs $1,331 in Ubud, Bali, rent included.

Erbil $960
Ubud, Bali $1,331

A couple spends around $1,439 per month in Erbil vs $2,255 in Ubud, Bali, rent included.

Erbil $1,439
Ubud, Bali $2,255

A family of three spends $1,918 per month in Erbil vs $3,180 in Ubud, Bali, rent included.

Erbil $1,918
Ubud, Bali $3,180

Erbil is about 28% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both Erbil and Ubud, Bali are more affordable than the global median – Erbil 29% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$6.65 IQD 10.1K

$3.38 Rp 61.0K

96.75%

Three-Course Dinner for Two, Mid-Range

$37.28 IQD 56.3K

$34.65 Rp 626.3K

7.59%

Fast Food Meal (McDonalds, etc)

$7.27 IQD 11.0K

$5.57 Rp 100.7K

30.52%

Cappuccino

$3.25 IQD 4,914

$2.62 Rp 47.3K

24.05%

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

$0.89 IQD 1,350

$1.54 Rp 27.8K

-42.21%

Water (0.33 liter bottle)

$0.36 IQD 545

$0.64 Rp 11.6K

-43.75%

Local Beer (0.5 liter draught)

$5.76 IQD 8,706

$2.67 Rp 48.2K

115.73%

Imported Beer (0.33 liter bottle)

$4.52 IQD 6,834

$4.26 Rp 77.1K

6.10%

Milk (1 liter)

$1.05 IQD 1,587

$1.46 Rp 26.4K

-28.08%

White Bread (500g)

$0.64 IQD 970

$2.29 Rp 41.4K

-72.05%

Rice (white) (1kg)

$1.44 IQD 2,180

$1.11 Rp 20.0K

29.73%

Eggs

$1.52 IQD 2,298

$2.10 Rp 38.0K

-27.62%

Local Cheese (1kg)

$7.04 IQD 10.6K

$15.94 Rp 288.1K

-55.83%

Chicken Fillets (1kg)

$4.41 IQD 6,661

$3.88 Rp 70.2K

13.66%

Beef Round Steak (1kg)

$12.64 IQD 19.1K

$11.40 Rp 206.1K

10.88%

Apples (1kg)

$0.99 IQD 1,501

$3.55 Rp 64.2K

-72.11%

Banana (1kg)

$0.99 IQD 1,493

$1.54 Rp 27.8K

-35.71%

Oranges (1kg)

$1.07 IQD 1,612

$2.23 Rp 40.3K

-52.02%

Tomato (1kg)

$0.69 IQD 1,050

$1.97 Rp 35.6K

-64.97%

Potato (1kg)

$0.64 IQD 972

$1.86 Rp 33.6K

-65.59%

Onion (1kg)

$0.57 IQD 865

$2.42 Rp 43.7K

-76.45%

Lettuce (1 head)

$0.66 IQD 998

$1.02 Rp 18.5K

-35.29%

Water (1.5 liter bottle)

$0.51 IQD 770

$0.52 Rp 9,441

-1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.12 IQD 3,209

$2.20 Rp 39.7K

-3.64%

Wine (Bottle)

$10.56 IQD 16.0K

$21.79 Rp 393.8K

-51.54%

Local Beer (0.5 liter bottle)

$1.46 IQD 2,209

$2.33 Rp 42.0K

-37.34%

Imported Beer (0.33 liter bottle)

$1.82 IQD 2,750

$2.97 Rp 53.7K

-38.72%

One-way Ticket (Public Transport)

$0.50 IQD 759

$0.25 Rp 4,526

100.00%

Public Transport Monthly Pass (Regular Price)

$39.67 IQD 59.9K

$8.17 Rp 147.8K

385.56%

Taxi Start (Normal Tariff)

$1.67 IQD 2,520

$0.44 Rp 7,912

279.55%

Taxi (Normal Tariff) (1km)

$1.54 IQD 2,325

$0.47 Rp 8,458

227.66%

Taxi 1hour Waiting (Normal Tariff)

$5.48 IQD 8,286

$5.60 Rp 101.2K

-2.14%

Gasoline (1 liter)

$0.58 IQD 884

$0.83 Rp 15.0K

-30.12%

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

$16.7K IQD 25.3M

$24.4K Rp 441.9M

-31.54%

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

$17.0K IQD 25.7M

$31.7K Rp 572.9M

-46.28%

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

$116 IQD 174.8K

$77.5 Rp 1.4M

49.28%

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

$11.96 IQD 18.1K

$6.14 Rp 111.1K

94.79%

Internet (50+ Mbps, Unlimited Data)

$24.50 IQD 37.0K

$18.92 Rp 341.9K

29.49%

Gym Membership (Monthly)

$57.0 IQD 86.1K

$51.0 Rp 921.7K

11.73%

Tennis Court (1 Hour on Weekend)

$13.43 IQD 20.3K

$18.25 Rp 329.8K

-26.41%

Cinema Ticket

$9.99 IQD 15.1K

$4.38 Rp 79.2K

128.08%

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

$297 IQD 448.2K

$492 Rp 8.9M

-39.76%

International Primary School, 1 Child (Yearly)

$4,080 IQD 6.2M

$12.2K Rp 220.9M

-66.61%

Jeans (Levis 501 Or Similar)

$26.29 IQD 39.7K

$45.16 Rp 816.3K

-41.78%

Summer Dress (H&M, Zara, etc)

$38.72 IQD 58.5K

$34.89 Rp 630.6K

10.98%

Sport Shoes (Adidas, Nike)

$60.8 IQD 91.8K

$78.3 Rp 1.4M

-22.41%

Men's Leather Business Shoes

$58.8 IQD 88.9K

$77.9 Rp 1.4M

-24.46%

1-bedroom Apartment, City Center (Monthly)

$441 IQD 666.1K

$1,078 Rp 19.5M

-59.09%

1-bedroom Apartment, Outside City Center (Monthly)

$268 IQD 404.7K

$665 Rp 12.0M

-59.72%

3-bedroom Apartment, City Center (Monthly)

$696 IQD 1.1M

$3,510 Rp 63.4M

-80.17%

3-bedroom Apartment, Outside City Center (Monthly)

$414 IQD 626.0K

$1,671 Rp 30.2M

-75.20%

Buy Apartment in City Center (m2)

$1,047 IQD 1.6M

$2,340 Rp 42.3M

-55.27%

Buy Apartment Outside City Center (m2)

$600 IQD 906.7K

$2,236 Rp 40.4M

-73.16%

Average Monthly Net Salary (After Tax)

$514 IQD 776.4K

$166 Rp 3.0M

208.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.53

13.78

-81.64%

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

Last update for Erbil: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Erbil

$268 27.9%

Ubud, Bali

$665 50% 148% $397

Groceries & Markets

Erbil

$172 18%

Ubud, Bali

$279 21% 62.1% $107

Eating Out

Erbil

$157 16.3%

Ubud, Bali

$106 8% 32.6% $51

Monthly Utilities & Internet

Erbil

$152 15.8%

Ubud, Bali

$103 7.7% 32.6% $50

Clothing & Footwear

Erbil

$83 8.7%

Ubud, Bali

$106 8% 28% $23

Sport & Entertainment

Erbil

$77 8%

Ubud, Bali

$60 4.5% 22.3% $17

Getting Around

Erbil

$51 5.3%

Ubud, Bali

$12 0.9% 76.6% $39

Cost Breakdown

A central one-bedroom costs $441 in Erbil versus $1,078 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 in Erbil are about 3.1 times higher, 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 $37 in Erbil versus $35 in Ubud, Bali. Groceries tell a different story – $172 in Erbil vs $279 in Ubud, Bali – so Erbil wins on supermarket bills even if dining out costs more.

Good to know

🇮🇶 Erbil

🇮🇩 Ubud, Bali

🕒 Local time

21:29 9:29 PM

02:29 2:29 AM

5 h ahead of Erbil

🌤 Weather

👥 Population

1,713,461

74,800

💱 Currency

Iraqi Dinar IQD ع.د

Indonesian Rupiah IDR Rp

📈 Exchange rate

10,000 IQD = 6.62 USD

10,000 IQD = 5.89 EUR

100,000 IDR = 5.53 USD

100,000 IDR = 4.92 EUR

Exchange rates and currency converter

IDR, USD, EUR to IQD – Iraqi Dinar Converter

🇺🇸 United States Dollar ($)

🇮🇶 Iraqi Dinar (ع.د)

Iraqi Dinar exchange rates as of November 5, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,698 IQD (10,000 IQD = 5.89 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,075 IDR (100,000 IDR = 5.53 USD). 1 EUR = 20,311 IDR (100,000 IDR = 4.92 EUR).

USD to IQD in detail →

On the map

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Highest

Between locations

Erbil Ubud, Bali 8,920 km ≈ 12 h nonstop flight

From you

Erbil
Ubud, Bali

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

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

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

Yes – Ubud, Bali is pricier by about 39%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,441 per month in Erbil and $1,996 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Erbil, especially for central apartments: a one-bedroom in the center costs $441 there versus $1,078 in Ubud, Bali.

Groceries cost about 62% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $37 in Erbil and $35 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Families tend to lean toward Erbil – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.