Last update: Oct 2026

Cost of Living Comparison Between Gyumri and Ubud, Bali

For one person, living is cheaper in Gyumri: $941 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,900 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Gyumri
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Gyumri Living Index
65

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

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Gyumri

🇦🇲 Armenia

$941

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $941 in Gyumri versus $1,349 in Ubud, Bali.

Gyumri $941
Ubud, Bali $1,349

Estimated couple costs with rent: $1,439 in Gyumri versus $2,305 in Ubud, Bali.

Gyumri $1,439
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,936 in Gyumri versus $3,261 in Ubud, Bali.

Gyumri $1,936
Ubud, Bali $3,261

Living in Gyumri costs roughly 30% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$10.56 ֏3,807

$3.32 Rp 60.4K

218.07%

Three-Course Dinner for Two, Mid-Range

$34.61 ֏12.5K

$35.64 Rp 647.8K

-2.89%

Fast Food Meal (McDonalds, etc)

$9.04 ֏3,259

$5.53 Rp 100.6K

63.47%

Cappuccino

$2.35 ֏846

$2.72 Rp 49.4K

-13.60%

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

$0.86 ֏310

$1.70 Rp 30.9K

-49.41%

Water (0.33 liter bottle)

$0.44 ֏158

$0.76 Rp 13.8K

-42.11%

Local Beer (0.5 liter draught)

$1.44 ֏519

$2.65 Rp 48.2K

-45.66%

Imported Beer (0.33 liter bottle)

$2.42 ֏871

$4.38 Rp 79.6K

-44.75%

Milk (1 liter)

$1.67 ֏601

$1.49 Rp 27.1K

12.08%

White Bread (500g)

$0.52 ֏187

$2.28 Rp 41.4K

-77.19%

Rice (white) (1kg)

$1.79 ֏645

$1.19 Rp 21.6K

50.42%

Eggs

$2.03 ֏731

$2.04 Rp 37.0K

-0.49%

Local Cheese (1kg)

$7.90 ֏2,849

$17.70 Rp 321.7K

-55.37%

Chicken Fillets (1kg)

$7.42 ֏2,675

$3.96 Rp 72.0K

87.37%

Beef Round Steak (1kg)

$10.54 ֏3,797

$12.19 Rp 221.6K

-13.54%

Apples (1kg)

$1.28 ֏460

$3.66 Rp 66.4K

-65.03%

Banana (1kg)

$1.50 ֏539

$1.52 Rp 27.6K

-1.32%

Oranges (1kg)

$1.17 ֏422

$2.23 Rp 40.5K

-47.53%

Tomato (1kg)

$1.50 ֏542

$1.97 Rp 35.9K

-23.86%

Potato (1kg)

$0.71 ֏257

$1.85 Rp 33.6K

-61.62%

Onion (1kg)

$0.70 ֏253

$2.42 Rp 44.1K

-71.07%

Lettuce (1 head)

$0.76 ֏272

$0.99 Rp 18.0K

-23.23%

Water (1.5 liter bottle)

$0.53 ֏192

$0.51 Rp 9,332

3.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.03 ֏730

$2.22 Rp 40.4K

-8.56%

Wine (Bottle)

$9.00 ֏3,243

$22.24 Rp 404.2K

-59.53%

Local Beer (0.5 liter bottle)

$1.49 ֏537

$2.26 Rp 41.1K

-34.07%

Imported Beer (0.33 liter bottle)

$1.87 ֏675

$2.97 Rp 54.0K

-37.04%

One-way Ticket (Public Transport)

$0.29 ֏105

$0.25 Rp 4,562

16.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$0.29 ֏105

$0.44 Rp 7,989

-34.09%

Taxi (Normal Tariff) (1km)

$0.38 ֏137

$0.43 Rp 7,817

-11.63%

Taxi 1hour Waiting (Normal Tariff)

$9.91 ֏3,572

$5.41 Rp 98.3K

83.18%

Gasoline (1 liter)

$1.49 ֏539

$0.82 Rp 15.0K

81.71%

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

$35.4K ֏12.8M

$23.8K Rp 433.3M

48.64%

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

$28.8K ֏10.4M

$31.7K Rp 577.0M

-9.37%

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

$117 ֏42.3K

$79.1 Rp 1.4M

48.52%

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

$6.87 ֏2,477

$6.45 Rp 117.2K

6.51%

Internet (50+ Mbps, Unlimited Data)

$14.33 ֏5,166

$18.58 Rp 337.7K

-22.87%

Gym Membership (Monthly)

$40.30 ֏14.5K

$49.48 Rp 899.4K

-18.55%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.11 ֏1,481

$4.27 Rp 77.7K

-3.75%

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

$179 ֏64.4K

$491 Rp 8.9M

-63.57%

International Primary School, 1 Child (Yearly)

$10.2K ֏3.7M

$5,674 Rp 103.1M

78.98%

Jeans (Levis 501 Or Similar)

$33.03 ֏11.9K

$44.64 Rp 811.4K

-26.01%

Summer Dress (H&M, Zara, etc)

$41.05 ֏14.8K

$34.95 Rp 635.3K

17.45%

Sport Shoes (Adidas, Nike)

$130 ֏47.0K

$79.9 Rp 1.5M

63.28%

Men's Leather Business Shoes

$41.33 ֏14.9K

$79.4 Rp 1.4M

-47.96%

1-bedroom Apartment, City Center (Monthly)

$479 ֏172.7K

$1,125 Rp 20.4M

-57.39%

1-bedroom Apartment, Outside City Center (Monthly)

$284 ֏102.3K

$671 Rp 12.2M

-57.73%

3-bedroom Apartment, City Center (Monthly)

$899 ֏323.9K

$3,565 Rp 64.8M

-74.79%

3-bedroom Apartment, Outside City Center (Monthly)

$488 ֏175.8K

$1,723 Rp 31.3M

-71.70%

Buy Apartment in City Center (m2)

$734 ֏264.5K

$2,732 Rp 49.6M

-73.14%

Buy Apartment Outside City Center (m2)

$503 ֏181.4K

$2,284 Rp 41.5M

-77.97%

Average Monthly Net Salary (After Tax)

$496 ֏178.8K

$164 Rp 3.0M

202.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-5.66%

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

Last update for Gyumri: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Gyumri

$284 30.2%

Ubud, Bali

$672 49.8% 137% $388

Groceries & Markets

Gyumri

$199 21.2%

Ubud, Bali

$288 21.4% 44.8% $89

Eating Out

Gyumri

$157 16.7%

Ubud, Bali

$108 8% 31.4% $49

Monthly Utilities & Internet

Gyumri

$139 14.7%

Ubud, Bali

$104 7.7% 24.9% $35

Clothing & Footwear

Gyumri

$111 11.8%

Ubud, Bali

$108 8% 2.8% $3.1

Sport & Entertainment

Gyumri

$49 5.2%

Ubud, Bali

$58 4.3% 19.6% $9.5

Getting Around

Gyumri

$3.4 * 0.4%

Ubud, Bali

$11 0.9% 241% $8.1

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $479 in Gyumri and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Gyumri pays about 3 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35 in Gyumri vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $199 vs $288 per month, with Gyumri cheaper across the board.

Good to know

🇦🇲 Gyumri

🇮🇩 Ubud, Bali

🕒 Local time

00:50 12:50 AM

04:50 4:50 AM

4 h ahead of Gyumri

🌤 Weather

👥 Population

111,138

74,800

💱 Currency

Armenian Dram AMD ֏

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 AMD = 2.77 USD

1,000 AMD = 2.49 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AMD – Armenian Dram Converter

🇺🇸 United States Dollar ($)

🇦🇲 Armenian Dram (֏)

Armenian Dram exchange rates as of October 28, 2026: 1 USD = 360 AMD (1,000 AMD = 2.77 USD). 1 EUR = 401 AMD (1,000 AMD = 2.49 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to AMD in detail →

On the map

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Highest

Between locations

Gyumri Ubud, Bali 9,100 km ≈ 12 h nonstop flight

From you

Gyumri
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

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

Gyumri is about 30% cheaper overall, especially in groceries, leisure, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Gyumri is about 3 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $479 in Gyumri versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $179 in Gyumri versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Gyumri – a meal for two runs $35 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

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, Gyumri and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.