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

Monthly Cost of Living

A single person spends $1,034 per month in Erbil vs $1,419 in Ubud, Bali, rent included.

A couple spends around $1,548 per month in Erbil vs $2,540 in Ubud, Bali, rent included.

A family of three spends $2,061 per month in Erbil vs $3,660 in Ubud, Bali, rent included.

Erbil is about 27% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Erbil sits 23% below the global median, while Ubud, Bali is 6% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.72 IQD 10.1K

$3.56 Rp 63.7K

116.85%

Three-Course Dinner for Two, Mid-Range

$22.83 IQD 29.9K

$32.73 Rp 584.5K

-30.25%

Fast Food Meal (McDonalds, etc)

$8.98 IQD 11.8K

$4.95 Rp 88.4K

81.41%

Cappuccino

$3.13 IQD 4,096

$2.71 Rp 48.4K

15.50%

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

$0.49 IQD 640

$1.34 Rp 24.0K

-63.43%

Water (0.33 liter bottle)

$0.20 IQD 261

$0.70 Rp 12.5K

-71.43%

Local Beer (0.5 liter draught)

$2.00 IQD 2,624

$2.92 Rp 52.1K

-31.51%

Imported Beer (0.33 liter bottle)

$2.14 IQD 2,797

$3.96 Rp 70.7K

-45.96%

Milk (1 liter)

$1.32 IQD 1,730

$1.81 Rp 32.3K

-27.07%

White Bread (500g)

$0.84 IQD 1,103

$2.52 Rp 45.0K

-66.67%

Rice (white) (1kg)

$1.80 IQD 2,355

$1.16 Rp 20.7K

55.17%

Eggs

$1.98 IQD 2,599

$2.46 Rp 43.9K

-19.51%

Local Cheese (1kg)

$7.54 IQD 9,879

$14.71 Rp 262.7K

-48.74%

Chicken Fillets (1kg)

$4.80 IQD 6,282

$4.32 Rp 77.1K

11.11%

Beef Round Steak (1kg)

$14.29 IQD 18.7K

$12.14 Rp 216.7K

17.71%

Apples (1kg)

$1.14 IQD 1,491

$3.84 Rp 68.6K

-70.31%

Banana (1kg)

$1.20 IQD 1,567

$1.56 Rp 27.8K

-23.08%

Oranges (1kg)

$1.19 IQD 1,561

$2.83 Rp 50.6K

-57.95%

Tomato (1kg)

$0.76 IQD 994

$2.33 Rp 41.5K

-67.38%

Potato (1kg)

$0.70 IQD 918

$1.91 Rp 34.2K

-63.35%

Onion (1kg)

$0.72 IQD 938

$2.20 Rp 39.3K

-67.27%

Lettuce (1 head)

$0.78 IQD 1,018

$1.01 Rp 18.1K

-22.77%

Water (1.5 liter bottle)

$0.53 IQD 688

$0.78 Rp 13.8K

-32.05%

Cigarettes 20 Pack (Marlboro, Camel)

$2.63 IQD 3,449

$3.32 Rp 59.2K

-20.78%

Wine (Bottle)

$12.55 IQD 16.4K

$23.74 Rp 423.9K

-47.14%

Local Beer (0.5 liter bottle)

$1.45 IQD 1,899

$2.79 Rp 49.8K

-48.03%

Imported Beer (0.33 liter bottle)

$2.01 IQD 2,633

$2.86 Rp 51.1K

-29.72%

One-way Ticket (Public Transport)

$0.54 IQD 709

$0.27 Rp 4,800

100.00%

Public Transport Monthly Pass (Regular Price)

$34.09 IQD 44.6K

$8.03 Rp 143.4K

324.53%

Taxi Start (Normal Tariff)

$2.35 IQD 3,084

$0.46 Rp 8,150

410.87%

Taxi (Normal Tariff) (1km)

$2.20 IQD 2,885

$0.45 Rp 8,037

388.89%

Taxi 1hour Waiting (Normal Tariff)

$6.87 IQD 8,999

$6.10 Rp 108.9K

12.62%

Gasoline (1 liter)

$0.70 IQD 911

$0.79 Rp 14.2K

-11.39%

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

$19.1K IQD 25.0M

$26.1K Rp 467.0M

-26.96%

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

$20.7K IQD 27.1M

$32.1K Rp 573.6M

-35.58%

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

$102 IQD 134.1K

$79.9 Rp 1.4M

28.15%

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

$17.93 IQD 23.5K

$4.06 Rp 72.6K

341.63%

Internet (50+ Mbps, Unlimited Data)

$29.33 IQD 38.4K

$23.52 Rp 420.0K

24.70%

Gym Membership (Monthly)

$72.7 IQD 95.2K

$98.7 Rp 1.8M

-26.30%

Tennis Court (1 Hour on Weekend)

$11.77 IQD 15.4K

$6.63 Rp 118.4K

77.53%

Cinema Ticket

$11.62 IQD 15.2K

$4.15 Rp 74.1K

180.00%

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

$269 IQD 352.1K

$304 Rp 5.4M

-11.55%

International Primary School, 1 Child (Yearly)

$3,278 IQD 4.3M

$6,613 Rp 118.1M

-50.43%

Jeans (Levis 501 Or Similar)

$32.74 IQD 42.9K

$55.5 Rp 991.8K

-41.05%

Summer Dress (H&M, Zara, etc)

$48.36 IQD 63.3K

$38.31 Rp 684.1K

26.23%

Sport Shoes (Adidas, Nike)

$81.0 IQD 106.0K

$88.6 Rp 1.6M

-8.61%

Men's Leather Business Shoes

$76.8 IQD 100.5K

$77.9 Rp 1.4M

-1.44%

1-bedroom Apartment, City Center (Monthly)

$426 IQD 557.6K

$1,006 Rp 18.0M

-57.69%

1-bedroom Apartment, Outside City Center (Monthly)

$278 IQD 364.4K

$675 Rp 12.1M

-58.79%

3-bedroom Apartment, City Center (Monthly)

$726 IQD 951.1K

$3,442 Rp 61.5M

-78.90%

3-bedroom Apartment, Outside City Center (Monthly)

$485 IQD 635.3K

$2,039 Rp 36.4M

-76.21%

Buy Apartment in City Center (m2)

$1,123 IQD 1.5M

$2,841 Rp 50.7M

-60.47%

Buy Apartment Outside City Center (m2)

$658 IQD 862.2K

$2,264 Rp 40.4M

-70.91%

Average Monthly Net Salary (After Tax)

$584 IQD 765.0K

$165 Rp 3.0M

253.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

14.33

13.28

7.91%

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

Last update for Erbil: May 31, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A central one-bedroom costs $426 in Erbil versus $1,006 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 254% higher in Erbil, 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 Erbil versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $197 vs $302 – making Erbil 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

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

Yes – Ubud, Bali is pricier by about 37%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,551 per month in Erbil and $2,129 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 53% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $23.00 in Erbil and $33.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Erbil, where all-in costs run around $1,034, than in Ubud, Bali at $1,419. In Erbil it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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 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 Erbil. 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.