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

Monthly Cost of Living

Monthly costs for one person with rent: $893 in Gyumri versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $1,391 in Gyumri versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,890 in Gyumri versus $3,732 in Ubud, Bali.

Living in Gyumri costs roughly 38% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Gyumri is 33% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$9.72 ֏3,610

$3.57 Rp 61.6K

172.27%

Three-Course Dinner for Two, Mid-Range

$41.59 ֏15.4K

$32.58 Rp 562.6K

27.66%

Fast Food Meal (McDonalds, etc)

$7.71 ֏2,862

$5.07 Rp 87.5K

52.07%

Cappuccino

$1.99 ֏740

$2.83 Rp 48.8K

-29.68%

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

$0.76 ֏284

$1.34 Rp 23.1K

-43.28%

Water (0.33 liter bottle)

$0.41 ֏151

$0.69 Rp 12.0K

-40.58%

Local Beer (0.5 liter draught)

$1.27 ֏473

$2.99 Rp 51.6K

-57.53%

Imported Beer (0.33 liter bottle)

$1.81 ֏672

$3.85 Rp 66.4K

-52.99%

Milk (1 liter)

$1.57 ֏581

$1.74 Rp 30.1K

-9.77%

White Bread (500g)

$0.49 ֏181

$2.54 Rp 43.8K

-80.71%

Rice (white) (1kg)

$1.75 ֏649

$1.19 Rp 20.6K

47.06%

Eggs

$1.92 ֏713

$2.43 Rp 41.9K

-20.99%

Local Cheese (1kg)

$7.62 ֏2,832

$14.66 Rp 253.2K

-48.02%

Chicken Fillets (1kg)

$6.62 ֏2,459

$4.18 Rp 72.1K

58.37%

Beef Round Steak (1kg)

$10.01 ֏3,719

$11.94 Rp 206.1K

-16.16%

Apples (1kg)

$1.21 ֏449

$3.69 Rp 63.6K

-67.21%

Banana (1kg)

$1.42 ֏526

$1.61 Rp 27.7K

-11.80%

Oranges (1kg)

$1.08 ֏400

$2.69 Rp 46.4K

-59.85%

Tomato (1kg)

$1.42 ֏526

$2.33 Rp 40.2K

-39.06%

Potato (1kg)

$0.77 ֏288

$1.91 Rp 32.9K

-59.69%

Onion (1kg)

$0.71 ֏265

$2.19 Rp 37.7K

-67.58%

Lettuce (1 head)

$0.76 ֏281

$1.06 Rp 18.3K

-28.30%

Water (1.5 liter bottle)

$0.36 ֏134

$0.72 Rp 12.5K

-50.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.00 ֏742

$3.13 Rp 54.1K

-36.10%

Wine (Bottle)

$7.92 ֏2,942

$23.49 Rp 405.6K

-66.28%

Local Beer (0.5 liter bottle)

$1.28 ֏475

$2.74 Rp 47.3K

-53.28%

Imported Beer (0.33 liter bottle)

$1.74 ֏646

$2.88 Rp 49.7K

-39.58%

One-way Ticket (Public Transport)

$0.25 ֏91.9

$0.29 Rp 5,010

-13.79%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.0K

Taxi Start (Normal Tariff)

$0.77 ֏285

$0.45 Rp 7,834

71.11%

Taxi (Normal Tariff) (1km)

$0.31 ֏116

$0.42 Rp 7,278

-26.19%

Taxi 1hour Waiting (Normal Tariff)

$4.81 ֏1,787

$6.16 Rp 106.3K

-21.92%

Gasoline (1 liter)

$1.12 ֏415

$0.84 Rp 14.5K

33.33%

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

$31.0K ֏11.5M

$26.2K Rp 453.1M

17.95%

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

$36.8K ֏13.6M

$32.5K Rp 560.8M

13.17%

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

$109 ֏40.6K

$78.4 Rp 1.4M

39.47%

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

$8.22 ֏3,053

$3.95 Rp 68.2K

108.10%

Internet (50+ Mbps, Unlimited Data)

$14.14 ֏5,250

$24.40 Rp 421.4K

-42.05%

Gym Membership (Monthly)

$37.20 ֏13.8K

$96.5 Rp 1.7M

-61.47%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 109.6K

Cinema Ticket

$3.83 ֏1,421

$4.04 Rp 69.7K

-5.20%

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

$174 ֏64.4K

$303 Rp 5.2M

-42.66%

International Primary School, 1 Child (Yearly)

$7,635 ֏2.8M

$6,523 Rp 112.6M

17.05%

Jeans (Levis 501 Or Similar)

$31.22 ֏11.6K

$53.8 Rp 929.5K

-42.01%

Summer Dress (H&M, Zara, etc)

$39.97 ֏14.8K

$37.98 Rp 655.8K

5.24%

Sport Shoes (Adidas, Nike)

$144 ֏53.6K

$86.8 Rp 1.5M

66.44%

Men's Leather Business Shoes

$31.27 ֏11.6K

$78.9 Rp 1.4M

-60.35%

1-bedroom Apartment, City Center (Monthly)

$440 ֏163.5K

$1,012 Rp 17.5M

-56.49%

1-bedroom Apartment, Outside City Center (Monthly)

$274 ֏101.7K

$674 Rp 11.6M

-59.40%

3-bedroom Apartment, City Center (Monthly)

$853 ֏316.7K

$3,390 Rp 58.5M

-74.84%

3-bedroom Apartment, Outside City Center (Monthly)

$457 ֏169.8K

$2,098 Rp 36.2M

-78.21%

Buy Apartment in City Center (m2)

$712 ֏264.5K

$2,985 Rp 51.5M

-76.14%

Buy Apartment Outside City Center (m2)

$493 ֏183.0K

$2,339 Rp 40.4M

-78.93%

Average Monthly Net Salary (After Tax)

$475 ֏176.2K

$173 Rp 3.0M

174.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-2.11%

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

Last update for Gyumri: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $440 in Gyumri and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Gyumri pays 174% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $42.00 in Gyumri vs $33.00 in Ubud, Bali. Groceries flip the comparison at $184 vs $298, with Gyumri cheaper for home cooking.

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 cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 61% gap adds up to real monthly savings that compound significantly over time.

Gyumri pays 174% more on average, 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: $440 in Gyumri versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $174 in Gyumri versus $303 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 $42.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $893 in Gyumri versus $1,438 in Ubud, Bali, a $1,500 budget is realistic in Gyumri but tight or insufficient in Ubud, Bali. The gap between the two cities makes Gyumri the clear choice for anyone on this budget.

For families, Gyumri is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Gyumri and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Gyumri gentler on the wallet – expenses run 61% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.