Last update: Oct 2026

Cost of Living Comparison Between Espoo and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,227 in Espoo, rent and utilities included – about $10,500 less a year. Other living expenses account for most of the difference.

107

Cost of Living Index in Espoo
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Espoo Living Index
65

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

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Espoo

🇫🇮 Finland

$2,227

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $2,227 per month in Espoo vs $1,349 in Ubud, Bali, rent included.

Espoo $2,227
Ubud, Bali $1,349

A couple spends around $3,547 per month in Espoo vs $2,305 in Ubud, Bali, rent included.

Espoo $3,547
Ubud, Bali $2,305

A family of three spends $4,866 per month in Espoo vs $3,261 in Ubud, Bali, rent included.

Espoo $4,866
Ubud, Bali $3,261

Espoo costs about 65% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$15.68 €14.05

$3.32 Rp 60.4K

372.29%

Three-Course Dinner for Two, Mid-Range

$100 €89.6

$35.64 Rp 648.1K

180.67%

Fast Food Meal (McDonalds, etc)

$12.52 €11.22

$5.53 Rp 100.6K

126.40%

Cappuccino

$5.51 €4.94

$2.72 Rp 49.4K

102.57%

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

$3.55 €3.18

$1.70 Rp 30.9K

108.82%

Water (0.33 liter bottle)

$2.73 €2.45

$0.76 Rp 13.8K

259.21%

Local Beer (0.5 liter draught)

$9.16 €8.21

$2.65 Rp 48.3K

245.66%

Imported Beer (0.33 liter bottle)

$8.42 €7.54

$4.38 Rp 79.7K

92.24%

Milk (1 liter)

$1.40 €1.25

$1.49 Rp 27.1K

-6.04%

White Bread (500g)

$2.93 €2.62

$2.28 Rp 41.4K

28.51%

Rice (white) (1kg)

$3.64 €3.26

$1.19 Rp 21.6K

205.88%

Eggs

$4.18 €3.74

$2.04 Rp 37.0K

104.90%

Local Cheese (1kg)

$10.51 €9.42

$17.70 Rp 321.9K

-40.62%

Chicken Fillets (1kg)

$16.61 €14.88

$3.96 Rp 72.1K

319.44%

Beef Round Steak (1kg)

$20.82 €18.65

$12.19 Rp 221.7K

70.80%

Apples (1kg)

$2.60 €2.33

$3.66 Rp 66.5K

-28.96%

Banana (1kg)

$2.08 €1.86

$1.52 Rp 27.6K

36.84%

Oranges (1kg)

$3.44 €3.08

$2.23 Rp 40.5K

54.26%

Tomato (1kg)

$4.95 €4.44

$1.97 Rp 35.9K

151.27%

Potato (1kg)

$1.20 €1.08

$1.85 Rp 33.6K

-35.14%

Onion (1kg)

$1.82 €1.63

$2.42 Rp 44.1K

-24.79%

Lettuce (1 head)

$2.38 €2.13

$0.99 Rp 18.0K

140.40%

Water (1.5 liter bottle)

$1.88 €1.68

$0.51 Rp 9,336

268.63%

Cigarettes 20 Pack (Marlboro, Camel)

$12.41 €11.12

$2.22 Rp 40.4K

459.01%

Wine (Bottle)

$13.34 €11.95

$22.24 Rp 404.4K

-40.02%

Local Beer (0.5 liter bottle)

$3.79 €3.39

$2.26 Rp 41.1K

67.70%

Imported Beer (0.33 liter bottle)

$4.90 €4.39

$2.97 Rp 54.0K

64.98%

One-way Ticket (Public Transport)

$3.56 €3.19

$0.25 Rp 4,564

1324.00%

Public Transport Monthly Pass (Regular Price)

$80.0 €71.7

$7.82 Rp 142.3K

923.15%

Taxi Start (Normal Tariff)

$9.59 €8.59

$0.44 Rp 7,992

2079.55%

Taxi (Normal Tariff) (1km)

$1.75 €1.57

$0.43 Rp 7,821

306.98%

Taxi 1hour Waiting (Normal Tariff)

$51.5 €46.17

$5.41 Rp 98.4K

852.50%

Gasoline (1 liter)

$2.33 €2.09

$0.82 Rp 15.0K

184.15%

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

$36.1K €32.4K

$23.8K Rp 433.5M

51.47%

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

$37.3K €33.4K

$31.7K Rp 577.3M

17.41%

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

$107 €95.9

$79.1 Rp 1.4M

35.30%

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

$26.05 €23.35

$6.45 Rp 117.2K

303.88%

Internet (50+ Mbps, Unlimited Data)

$29.80 €26.70

$18.58 Rp 337.8K

60.39%

Gym Membership (Monthly)

$54.1 €48.47

$49.48 Rp 899.8K

9.32%

Tennis Court (1 Hour on Weekend)

$42.92 €38.46

$17.65 Rp 320.9K

143.17%

Cinema Ticket

$17.65 €15.82

$4.27 Rp 77.7K

313.35%

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

$730 €654

$491 Rp 8.9M

48.83%

International Primary School, 1 Child (Yearly)

$19.2K €17.2K

$5,674 Rp 103.2M

237.62%

Jeans (Levis 501 Or Similar)

$123 €110

$44.64 Rp 811.7K

176.01%

Summer Dress (H&M, Zara, etc)

$56.7 €50.8

$34.95 Rp 635.6K

62.29%

Sport Shoes (Adidas, Nike)

$89.5 €80.2

$79.9 Rp 1.5M

11.95%

Men's Leather Business Shoes

$176 €158

$79.4 Rp 1.4M

122.10%

1-bedroom Apartment, City Center (Monthly)

$1,111 €996

$1,125 Rp 20.5M

-1.20%

1-bedroom Apartment, Outside City Center (Monthly)

$935 €838

$671 Rp 12.2M

39.22%

3-bedroom Apartment, City Center (Monthly)

$2,168 €1,943

$3,565 Rp 64.8M

-39.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,719 €1,540

$1,723 Rp 31.3M

-0.25%

Buy Apartment in City Center (m2)

$6,070 €5,439

$2,732 Rp 49.7M

122.20%

Buy Apartment Outside City Center (m2)

$4,158 €3,726

$2,284 Rp 41.5M

82.06%

Average Monthly Net Salary (After Tax)

$3,301 €2,958

$164 Rp 3.0M

1914.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.59

13.78

-73.95%

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

Last update for Espoo: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Espoo

$935 42%

Ubud, Bali

$672 49.8% 28.2% $263

Groceries & Markets

Espoo

$410 18.4%

Ubud, Bali

$288 21.4% 29.7% $122

Eating Out

Espoo

$317 14.2%

Ubud, Bali

$108 8% 66% $209

Clothing & Footwear

Espoo

$201 9%

Ubud, Bali

$108 8% 46.4% $93

Monthly Utilities & Internet

Espoo

$163 7.3%

Ubud, Bali

$104 7.7% 36.1% $59

Getting Around

Espoo

$113 5.1%

Ubud, Bali

$11 0.9% 89.9% $101

Sport & Entertainment

Espoo

$89 4%

Ubud, Bali

$58 4.3% 35.1% $31

Cost Breakdown

A central one-bedroom costs $1,111 in Espoo versus $1,125 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 Espoo are about 20 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $100 in Espoo versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $410 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇫🇮 Espoo

🇮🇩 Ubud, Bali

🕒 Local time

06:02 6:02 AM

12:02 12:02 PM

6 h ahead of Espoo

🌤 Weather

👥 Population

314,152

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 29, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,242 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Espoo Ubud, Bali 10,860 km ≈ 14 h nonstop flight

From you

Espoo
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

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

Yes – Espoo is pricier by about 65%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $3,341 per month in Espoo and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,111 in Espoo and $1,125 in Ubud, Bali. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Monthly expenses with rent come to $2,227 in Espoo and $1,349 in Ubud, Bali. That makes Ubud, Bali about 39% cheaper.

Public transport costs about 90% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $2,227 in Espoo and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $2,227 in Espoo. Climate, culture, job market, and personal taste all factor in.

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

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Espoo makes more sense. Both are solid long-term options with distinct trade-offs.