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

Monthly Cost of Living

Monthly costs for one person with rent: $2,432 in Hamar versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $3,812 in Hamar versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,191 in Hamar versus $3,275 in Ubud, Bali.

Living in Hamar is roughly 77% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hamar 76% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$21.31 NOK 198

$3.33 Rp 58.7K

539.94%

Three-Course Dinner for Two, Mid-Range

$132 NOK 1,222

$35.82 Rp 630.7K

267.84%

Fast Food Meal (McDonalds, etc)

$16.33 NOK 152

$5.63 Rp 99.1K

190.05%

Cappuccino

$6.11 NOK 56.6

$2.82 Rp 49.7K

116.67%

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

$4.19 NOK 38.87

$1.75 Rp 30.8K

139.43%

Water (0.33 liter bottle)

$3.49 NOK 32.35

$0.80 Rp 14.0K

336.25%

Local Beer (0.5 liter draught)

$11.95 NOK 111

$3.04 Rp 53.6K

293.09%

Imported Beer (0.33 liter bottle)

$8.59 NOK 79.7

$4.30 Rp 75.7K

99.77%

Milk (1 liter)

$2.58 NOK 23.97

$1.61 Rp 28.3K

60.25%

White Bread (500g)

$3.03 NOK 28.15

$2.27 Rp 39.9K

33.48%

Rice (white) (1kg)

$2.11 NOK 19.57

$1.17 Rp 20.6K

80.34%

Eggs

$6.15 NOK 57.1

$2.17 Rp 38.2K

183.41%

Local Cheese (1kg)

$11.28 NOK 105

$17.63 Rp 310.5K

-36.02%

Chicken Fillets (1kg)

$12.96 NOK 120

$4.05 Rp 71.4K

220.00%

Beef Round Steak (1kg)

$29.84 NOK 277

$12.18 Rp 214.5K

144.99%

Apples (1kg)

$3.33 NOK 30.86

$3.62 Rp 63.7K

-8.01%

Banana (1kg)

$2.66 NOK 24.70

$1.64 Rp 28.8K

62.20%

Oranges (1kg)

$3.12 NOK 28.91

$2.31 Rp 40.6K

35.06%

Tomato (1kg)

$5.93 NOK 55.0

$1.96 Rp 34.5K

202.55%

Potato (1kg)

$2.55 NOK 23.65

$1.84 Rp 32.5K

38.59%

Onion (1kg)

$2.61 NOK 24.22

$2.37 Rp 41.7K

10.13%

Lettuce (1 head)

$2.21 NOK 20.51

$1.05 Rp 18.5K

110.48%

Water (1.5 liter bottle)

$2.09 NOK 19.37

$0.54 Rp 9,560

287.04%

Cigarettes 20 Pack (Marlboro, Camel)

$19.10 NOK 177

$2.30 Rp 40.6K

730.43%

Wine (Bottle)

$16.83 NOK 156

$23.08 Rp 406.4K

-27.08%

Local Beer (0.5 liter bottle)

$3.51 NOK 32.52

$2.34 Rp 41.2K

50.00%

Imported Beer (0.33 liter bottle)

$4.31 NOK 39.94

$3.07 Rp 54.0K

40.39%

One-way Ticket (Public Transport)

$4.71 NOK 43.66

$0.25 Rp 4,365

1784.00%

Public Transport Monthly Pass (Regular Price)

$70.0 NOK 649

$9.42 Rp 165.9K

642.89%

Taxi Start (Normal Tariff)

$12.43 NOK 115

$0.49 Rp 8,631

2436.73%

Taxi (Normal Tariff) (1km)

$1.92 NOK 17.81

$0.47 Rp 8,349

308.51%

Taxi 1hour Waiting (Normal Tariff)

$72.0 NOK 668

$5.60 Rp 98.6K

1185.18%

Gasoline (1 liter)

$2.29 NOK 21.29

$0.81 Rp 14.2K

182.72%

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

$50.3K NOK 466.4K

$25.0K Rp 440.3M

101.04%

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

$45.4K NOK 420.9K

$31.1K Rp 547.0M

46.06%

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

$229 NOK 2,128

$82.7 Rp 1.5M

177.27%

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

$33.05 NOK 307

$6.49 Rp 114.2K

409.24%

Internet (50+ Mbps, Unlimited Data)

$58.2 NOK 540

$18.79 Rp 330.8K

209.85%

Gym Membership (Monthly)

$58.8 NOK 545

$55.2 Rp 972.6K

6.44%

Tennis Court (1 Hour on Weekend)

$29.84 NOK 277

$18.21 Rp 320.6K

63.87%

Cinema Ticket

$19.63 NOK 182

$4.30 Rp 75.7K

356.51%

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

$212 NOK 1,969

$494 Rp 8.7M

-57.04%

International Primary School, 1 Child (Yearly)

$16.2K NOK 150.5K

$5,917 Rp 104.2M

174.13%

Jeans (Levis 501 Or Similar)

$102 NOK 942

$46.28 Rp 814.8K

119.34%

Summer Dress (H&M, Zara, etc)

$61.7 NOK 573

$36.44 Rp 641.6K

69.37%

Sport Shoes (Adidas, Nike)

$134 NOK 1,240

$80.7 Rp 1.4M

65.61%

Men's Leather Business Shoes

$108 NOK 998

$78.8 Rp 1.4M

36.50%

1-bedroom Apartment, City Center (Monthly)

$1,250 NOK 11.6K

$1,114 Rp 19.6M

12.20%

1-bedroom Apartment, Outside City Center (Monthly)

$885 NOK 8,209

$693 Rp 12.2M

27.65%

3-bedroom Apartment, City Center (Monthly)

$1,637 NOK 15.2K

$3,639 Rp 64.1M

-55.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,519 NOK 14.1K

$1,712 Rp 30.1M

-11.29%

Buy Apartment in City Center (m2)

$4,488 NOK 41.6K

$2,761 Rp 48.6M

62.56%

Buy Apartment Outside City Center (m2)

$3,585 NOK 33.3K

$2,293 Rp 40.4M

56.37%

Average Monthly Net Salary (After Tax)

$4,278 NOK 39.7K

$167 Rp 2.9M

2460.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.96

13.78

-64.01%

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

Last update for Hamar: September 7, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,250 in Hamar and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamar pays 2460% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $132 in Hamar vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $459 vs $294 per month, with Ubud, Bali cheaper across the board.

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

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

Hamar and Ubud, Bali differ by about 77% in total monthly costs ($2,432 vs $1,378 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2460% higher in Hamar, 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: $1,250 in Hamar versus $1,114 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 56% higher in Hamar. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36.00 versus $132 in Hamar. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,378 in Ubud, Bali versus $2,432 in Hamar, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hamar. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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, Hamar 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 Ubud, Bali gentler on the wallet – expenses run 77% less than in Hamar. Beyond cost, consider language, visa policies, and how big the international community is in each city.