Last update: Oct 2026

Cost of Living Comparison Between Hamar and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,461 in Hamar, rent and utilities included – about $13,300 less a year. Other living expenses account for most of the difference.

118

Cost of Living Index in Hamar
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Hamar Living Index
65

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

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Hamar

🇳🇴 Norway

$2,461

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,461 in Hamar versus $1,349 in Ubud, Bali.

Hamar $2,461
Ubud, Bali $1,349

Estimated couple costs with rent: $3,857 in Hamar versus $2,305 in Ubud, Bali.

Hamar $3,857
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $5,253 in Hamar versus $3,261 in Ubud, Bali.

Hamar $5,253
Ubud, Bali $3,261

Living in Hamar is roughly 82% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$21.67 NOK 201

$3.32 Rp 60.4K

552.71%

Three-Course Dinner for Two, Mid-Range

$129 NOK 1,201

$35.64 Rp 647.8K

262.71%

Fast Food Meal (McDonalds, etc)

$16.21 NOK 151

$5.53 Rp 100.6K

193.13%

Cappuccino

$5.89 NOK 54.7

$2.72 Rp 49.4K

116.54%

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

$4.52 NOK 42.00

$1.70 Rp 30.9K

165.88%

Water (0.33 liter bottle)

$3.39 NOK 31.48

$0.76 Rp 13.8K

346.05%

Local Beer (0.5 liter draught)

$12.04 NOK 112

$2.65 Rp 48.2K

354.34%

Imported Beer (0.33 liter bottle)

$8.70 NOK 80.9

$4.38 Rp 79.6K

98.63%

Milk (1 liter)

$2.56 NOK 23.79

$1.49 Rp 27.1K

71.81%

White Bread (500g)

$3.10 NOK 28.82

$2.28 Rp 41.4K

35.96%

Rice (white) (1kg)

$2.10 NOK 19.47

$1.19 Rp 21.6K

76.47%

Eggs

$6.23 NOK 57.9

$2.04 Rp 37.0K

205.39%

Local Cheese (1kg)

$11.12 NOK 103

$17.70 Rp 321.7K

-37.18%

Chicken Fillets (1kg)

$12.62 NOK 117

$3.96 Rp 72.0K

218.69%

Beef Round Steak (1kg)

$31.47 NOK 292

$12.19 Rp 221.6K

158.16%

Apples (1kg)

$3.36 NOK 31.23

$3.66 Rp 66.4K

-8.20%

Banana (1kg)

$2.77 NOK 25.76

$1.52 Rp 27.6K

82.24%

Oranges (1kg)

$3.08 NOK 28.66

$2.23 Rp 40.5K

38.12%

Tomato (1kg)

$6.17 NOK 57.3

$1.97 Rp 35.9K

213.20%

Potato (1kg)

$2.50 NOK 23.26

$1.85 Rp 33.6K

35.14%

Onion (1kg)

$2.61 NOK 24.28

$2.42 Rp 44.1K

7.85%

Lettuce (1 head)

$2.19 NOK 20.39

$0.99 Rp 18.0K

121.21%

Water (1.5 liter bottle)

$2.01 NOK 18.66

$0.51 Rp 9,332

294.12%

Cigarettes 20 Pack (Marlboro, Camel)

$19.50 NOK 181

$2.22 Rp 40.4K

778.38%

Wine (Bottle)

$16.93 NOK 157

$22.24 Rp 404.2K

-23.88%

Local Beer (0.5 liter bottle)

$3.55 NOK 33.03

$2.26 Rp 41.1K

57.08%

Imported Beer (0.33 liter bottle)

$4.38 NOK 40.69

$2.97 Rp 54.0K

47.47%

One-way Ticket (Public Transport)

$4.66 NOK 43.25

$0.25 Rp 4,562

1764.00%

Public Transport Monthly Pass (Regular Price)

$69.2 NOK 643

$7.82 Rp 142.2K

784.91%

Taxi Start (Normal Tariff)

$12.31 NOK 114

$0.44 Rp 7,989

2697.73%

Taxi (Normal Tariff) (1km)

$1.93 NOK 17.94

$0.43 Rp 7,817

348.84%

Taxi 1hour Waiting (Normal Tariff)

$72.8 NOK 677

$5.41 Rp 98.3K

1246.40%

Gasoline (1 liter)

$2.39 NOK 22.20

$0.82 Rp 15.0K

191.46%

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

$49.6K NOK 460.7K

$23.8K Rp 433.3M

107.98%

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

$46.3K NOK 429.9K

$31.7K Rp 577.0M

45.76%

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

$230 NOK 2,137

$79.1 Rp 1.4M

190.97%

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

$34.38 NOK 319

$6.45 Rp 117.2K

433.02%

Internet (50+ Mbps, Unlimited Data)

$55.1 NOK 512

$18.58 Rp 337.7K

196.34%

Gym Membership (Monthly)

$59.1 NOK 549

$49.48 Rp 899.4K

19.46%

Tennis Court (1 Hour on Weekend)

$29.46 NOK 274

$17.65 Rp 320.8K

66.91%

Cinema Ticket

$20.16 NOK 187

$4.27 Rp 77.7K

372.13%

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

$217 NOK 2,013

$491 Rp 8.9M

-55.82%

International Primary School, 1 Child (Yearly)

$16.1K NOK 149.1K

$5,674 Rp 103.1M

182.93%

Jeans (Levis 501 Or Similar)

$104 NOK 968

$44.64 Rp 811.4K

133.38%

Summer Dress (H&M, Zara, etc)

$60.5 NOK 562

$34.95 Rp 635.3K

73.05%

Sport Shoes (Adidas, Nike)

$136 NOK 1,264

$79.9 Rp 1.5M

70.30%

Men's Leather Business Shoes

$106 NOK 983

$79.4 Rp 1.4M

33.24%

1-bedroom Apartment, City Center (Monthly)

$1,270 NOK 11.8K

$1,125 Rp 20.4M

12.86%

1-bedroom Apartment, Outside City Center (Monthly)

$884 NOK 8,214

$671 Rp 12.2M

31.67%

3-bedroom Apartment, City Center (Monthly)

$1,595 NOK 14.8K

$3,565 Rp 64.8M

-55.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,517 NOK 14.1K

$1,723 Rp 31.3M

-11.97%

Buy Apartment in City Center (m2)

$4,359 NOK 40.5K

$2,732 Rp 49.6M

59.57%

Buy Apartment Outside City Center (m2)

$3,609 NOK 33.5K

$2,284 Rp 41.5M

58.00%

Average Monthly Net Salary (After Tax)

$4,415 NOK 41.0K

$164 Rp 3.0M

2594.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

13.78

-64.15%

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

Last update for Hamar: 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

Hamar

$884 35.9%

Ubud, Bali

$672 49.8% 24.1% $213

Groceries & Markets

Hamar

$463 18.8%

Ubud, Bali

$288 21.4% 37.8% $175

Eating Out

Hamar

$402 16.3%

Ubud, Bali

$108 8% 73.2% $294

Monthly Utilities & Internet

Hamar

$319 13%

Ubud, Bali

$104 7.7% 67.4% $215

Clothing & Footwear

Hamar

$183 7.4%

Ubud, Bali

$108 8% 41.2% $75

Getting Around

Hamar

$110 4.5%

Ubud, Bali

$11 0.9% 89.6% $98

Sport & Entertainment

Hamar

$99 4%

Ubud, Bali

$58 4.3% 41.6% $41

Cost Breakdown

A one-bedroom apartment in the center runs $1,270 in Hamar and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamar pays about 27 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $129 in Hamar vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $463 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇴 Hamar

🇮🇩 Ubud, Bali

🕒 Local time

03:50 3:50 AM

10:50 10:50 AM

7 h ahead of Hamar

🌤 Weather

👥 Population

33,059

74,800

💱 Currency

Norwegian Krone NOK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NOK = 10.76 USD

100 NOK = 9.67 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 29, 2026: 1 USD = 9.29 NOK (1 NOK = 0.108 USD). 1 EUR = 10.34 NOK (100 NOK = 9.67 EUR).

Indonesian Rupiah exchange rates as of October 29, 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 NOK in detail →

On the map

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Highest

Between locations

Hamar Ubud, Bali 11,590 km ≈ 15 h nonstop flight

From you

Hamar
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

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

Total monthly costs including rent come to $2,461 in Hamar and $1,349 in Ubud, Bali, so Ubud, Bali is about 45% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Hamar is about 27 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: $1,270 in Hamar versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 61% 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 versus $129 in Hamar. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 45% less than in Hamar. Beyond cost, consider language, visa policies, and how big the international community is in each city.