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

Monthly Cost of Living

A single person spends $3,883 per month in Hafnarfjordur vs $1,368 in Ubud, Bali, rent included.

A couple spends around $5,451 per month in Hafnarfjordur vs $2,348 in Ubud, Bali, rent included.

A family of three spends $7,020 per month in Hafnarfjordur vs $3,327 in Ubud, Bali, rent included.

Hafnarfjordur costs about 184% more than Ubud, Bali, driven mainly by Eating Out.

Both Hafnarfjordur and Ubud, Bali sit above the global median – Hafnarfjordur by 184%, Ubud, Bali by 0%.

Meal at Budget Restaurant

$29.94 ISK 3,646

$3.44 Rp 60.9K

770.35%

Three-Course Dinner for Two, Mid-Range

$138 ISK 16.8K

$36.31 Rp 643.0K

279.92%

Fast Food Meal (McDonalds, etc)

$16.77 ISK 2,043

$5.71 Rp 101.0K

193.70%

Cappuccino

$6.76 ISK 824

$2.67 Rp 47.3K

153.18%

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

$3.40 ISK 414

$1.75 Rp 31.0K

94.29%

Water (0.33 liter bottle)

$3.19 ISK 389

$0.87 Rp 15.4K

266.67%

Local Beer (0.5 liter draught)

$14.25 ISK 1,735

$2.95 Rp 52.3K

383.05%

Imported Beer (0.33 liter bottle)

$12.40 ISK 1,510

$4.52 Rp 80.0K

174.34%

Milk (1 liter)

$1.71 ISK 209

$1.62 Rp 28.7K

5.56%

White Bread (500g)

$4.27 ISK 521

$2.33 Rp 41.3K

83.26%

Rice (white) (1kg)

$3.68 ISK 448

$1.11 Rp 19.6K

231.53%

Eggs

$7.36 ISK 896

$2.20 Rp 39.0K

234.55%

Local Cheese (1kg)

$21.02 ISK 2,560

$17.69 Rp 313.3K

18.82%

Chicken Fillets (1kg)

$25.05 ISK 3,051

$4.10 Rp 72.5K

510.98%

Beef Round Steak (1kg)

$42.64 ISK 5,193

$12.18 Rp 215.6K

250.08%

Apples (1kg)

$3.36 ISK 410

$3.71 Rp 65.6K

-9.43%

Banana (1kg)

$2.49 ISK 303

$1.59 Rp 28.1K

56.60%

Oranges (1kg)

$3.21 ISK 391

$2.28 Rp 40.4K

40.79%

Tomato (1kg)

$6.43 ISK 783

$1.95 Rp 34.6K

229.74%

Potato (1kg)

$3.98 ISK 484

$1.91 Rp 33.7K

108.38%

Onion (1kg)

$1.65 ISK 201

$2.33 Rp 41.3K

-29.18%

Lettuce (1 head)

$3.79 ISK 461

$1.01 Rp 17.8K

275.25%

Water (1.5 liter bottle)

$1.82 ISK 221

$0.55 Rp 9,773

230.91%

Cigarettes 20 Pack (Marlboro, Camel)

$14.15 ISK 1,724

$2.23 Rp 39.5K

534.53%

Wine (Bottle)

$23.99 ISK 2,922

$23.07 Rp 408.6K

3.99%

Local Beer (0.5 liter bottle)

$3.86 ISK 471

$2.42 Rp 42.8K

59.50%

Imported Beer (0.33 liter bottle)

$3.45 ISK 421

$3.00 Rp 53.1K

15.00%

One-way Ticket (Public Transport)

$5.33 ISK 649

$0.27 Rp 4,814

1874.07%

Public Transport Monthly Pass (Regular Price)

$85.0 ISK 10.4K

$8.98 Rp 159.1K

846.44%

Taxi Start (Normal Tariff)

$6.72 ISK 818

$0.48 Rp 8,566

1300.00%

Taxi (Normal Tariff) (1km)

$2.80 ISK 341

$0.43 Rp 7,679

551.16%

Taxi 1hour Waiting (Normal Tariff)

$73.9 ISK 8,997

$5.64 Rp 99.9K

1209.75%

Gasoline (1 liter)

$1.93 ISK 235

$0.80 Rp 14.2K

141.25%

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

$50.3K ISK 6.1M

$24.9K Rp 441.7M

101.66%

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

$53.7K ISK 6.5M

$31.7K Rp 561.5M

69.42%

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

$68.8 ISK 8,382

$81.5 Rp 1.4M

-15.52%

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

$33.41 ISK 4,070

$6.49 Rp 115.0K

414.79%

Internet (50+ Mbps, Unlimited Data)

$84.7 ISK 10.3K

$18.77 Rp 332.4K

351.41%

Gym Membership (Monthly)

$66.2 ISK 8,067

$56.9 Rp 1.0M

16.46%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

Cinema Ticket

$16.76 ISK 2,042

$4.54 Rp 80.4K

269.16%

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

$1,190 ISK 145.0K

$481 Rp 8.5M

147.63%

International Primary School, 1 Child (Yearly)

$31.5K ISK 3.8M

$5,711 Rp 101.1M

451.58%

Jeans (Levis 501 Or Similar)

$124 ISK 15.1K

$45.52 Rp 806.0K

171.95%

Summer Dress (H&M, Zara, etc)

$66.9 ISK 8,152

$35.88 Rp 635.4K

86.54%

Sport Shoes (Adidas, Nike)

$122 ISK 14.8K

$80.4 Rp 1.4M

51.19%

Men's Leather Business Shoes

$254 ISK 31.0K

$78.7 Rp 1.4M

223.02%

1-bedroom Apartment, City Center (Monthly)

$2,445 ISK 297.8K

$1,115 Rp 19.7M

119.38%

1-bedroom Apartment, Outside City Center (Monthly)

$2,055 ISK 250.4K

$698 Rp 12.4M

194.63%

3-bedroom Apartment, City Center (Monthly)

$3,353 ISK 408.4K

$3,637 Rp 64.4M

-7.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,683 ISK 326.7K

$1,737 Rp 30.8M

54.41%

Buy Apartment in City Center (m2)

$7,113 ISK 866.4K

$2,784 Rp 49.3M

155.46%

Buy Apartment Outside City Center (m2)

$7,146 ISK 870.4K

$2,290 Rp 40.5M

212.10%

Average Monthly Net Salary (After Tax)

$4,674 ISK 569.3K

$168 Rp 3.0M

2681.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.88

13.78

-35.56%

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

Last update for Hafnarfjordur: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A central one-bedroom costs $2,445 in Hafnarfjordur versus $1,115 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 2682% higher in Hafnarfjordur, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $138 in Hafnarfjordur versus $36.00 in Ubud, Bali. Monthly groceries follow the same trend: $623 vs $295 – making Ubud, Bali 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

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

Hafnarfjordur costs about 184% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $5,824 per month in Hafnarfjordur and $2,052 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $3,883 in Hafnarfjordur and $1,368 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 846% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Hafnarfjordur at $3,883. In Ubud, Bali it covers expenses comfortably, while in Hafnarfjordur it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,368 versus $3,883 in Hafnarfjordur. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Hafnarfjordur makes more sense. Both are solid long-term options with distinct trade-offs.