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: $2,370 in Hamar versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $3,691 in Hamar versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,011 in Hamar versus $3,732 in Ubud, Bali.

Living in Hamar is roughly 65% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hamar 77% above, Ubud, Bali 7% above.

Meal at Budget Restaurant

$25.45 NOK 237

$3.57 Rp 61.9K

612.89%

Three-Course Dinner for Two, Mid-Range

$121 NOK 1,128

$32.58 Rp 564.7K

271.52%

Fast Food Meal (McDonalds, etc)

$14.88 NOK 139

$5.07 Rp 87.8K

193.49%

Cappuccino

$5.05 NOK 47.02

$2.83 Rp 49.0K

78.45%

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

$4.10 NOK 38.25

$1.34 Rp 23.2K

205.97%

Water (0.33 liter bottle)

$3.18 NOK 29.62

$0.69 Rp 12.0K

360.87%

Local Beer (0.5 liter draught)

$12.08 NOK 113

$2.99 Rp 51.8K

304.01%

Imported Beer (0.33 liter bottle)

$7.94 NOK 74.0

$3.85 Rp 66.7K

106.23%

Milk (1 liter)

$2.07 NOK 19.32

$1.74 Rp 30.2K

18.97%

White Bread (500g)

$2.87 NOK 26.79

$2.54 Rp 44.0K

12.99%

Rice (white) (1kg)

$2.07 NOK 19.30

$1.19 Rp 20.6K

73.95%

Eggs

$4.97 NOK 46.29

$2.43 Rp 42.0K

104.53%

Local Cheese (1kg)

$10.69 NOK 99.6

$14.66 Rp 254.1K

-27.08%

Chicken Fillets (1kg)

$11.99 NOK 112

$4.18 Rp 72.4K

186.84%

Beef Round Steak (1kg)

$31.44 NOK 293

$11.94 Rp 206.9K

163.32%

Apples (1kg)

$3.48 NOK 32.45

$3.69 Rp 63.9K

-5.69%

Banana (1kg)

$2.61 NOK 24.32

$1.61 Rp 27.8K

62.11%

Oranges (1kg)

$2.88 NOK 26.81

$2.69 Rp 46.5K

7.06%

Tomato (1kg)

$5.16 NOK 48.05

$2.33 Rp 40.4K

121.46%

Potato (1kg)

$2.39 NOK 22.24

$1.91 Rp 33.0K

25.13%

Onion (1kg)

$2.45 NOK 22.84

$2.19 Rp 37.9K

11.87%

Lettuce (1 head)

$2.01 NOK 18.73

$1.06 Rp 18.3K

89.62%

Water (1.5 liter bottle)

$1.94 NOK 18.10

$0.72 Rp 12.5K

169.44%

Cigarettes 20 Pack (Marlboro, Camel)

$16.88 NOK 157

$3.13 Rp 54.3K

439.30%

Wine (Bottle)

$18.77 NOK 175

$23.49 Rp 407.1K

-20.09%

Local Beer (0.5 liter bottle)

$3.40 NOK 31.68

$2.74 Rp 47.5K

24.09%

Imported Beer (0.33 liter bottle)

$4.16 NOK 38.80

$2.88 Rp 49.9K

44.44%

One-way Ticket (Public Transport)

$4.48 NOK 41.76

$0.29 Rp 5,029

1444.83%

Public Transport Monthly Pass (Regular Price)

$65.2 NOK 607

$8.17 Rp 141.6K

697.67%

Taxi Start (Normal Tariff)

$10.20 NOK 95.1

$0.45 Rp 7,863

2166.67%

Taxi (Normal Tariff) (1km)

$1.40 NOK 13.07

$0.42 Rp 7,305

233.33%

Taxi 1hour Waiting (Normal Tariff)

$42.35 NOK 395

$6.16 Rp 106.7K

587.50%

Gasoline (1 liter)

$2.10 NOK 19.60

$0.84 Rp 14.6K

150.00%

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

$36.9K NOK 344.0K

$26.2K Rp 454.9M

40.63%

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

$43.4K NOK 404.4K

$32.5K Rp 562.9M

33.60%

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

$215 NOK 2,007

$78.4 Rp 1.4M

174.66%

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

$31.45 NOK 293

$3.95 Rp 68.5K

696.20%

Internet (50+ Mbps, Unlimited Data)

$56.0 NOK 521

$24.40 Rp 423.0K

129.30%

Gym Membership (Monthly)

$55.9 NOK 521

$96.5 Rp 1.7M

-42.12%

Tennis Court (1 Hour on Weekend)

$27.85 NOK 260

$6.35 Rp 110.0K

338.58%

Cinema Ticket

$17.91 NOK 167

$4.04 Rp 70.0K

343.32%

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

$199 NOK 1,856

$303 Rp 5.2M

-34.20%

International Primary School, 1 Child (Yearly)

$14.9K NOK 138.5K

$6,523 Rp 113.1M

127.79%

Jeans (Levis 501 Or Similar)

$105 NOK 982

$53.8 Rp 933.1K

95.73%

Summer Dress (H&M, Zara, etc)

$61.6 NOK 574

$37.98 Rp 658.3K

62.30%

Sport Shoes (Adidas, Nike)

$124 NOK 1,157

$86.8 Rp 1.5M

43.08%

Men's Leather Business Shoes

$99.8 NOK 930

$78.9 Rp 1.4M

26.59%

1-bedroom Apartment, City Center (Monthly)

$1,168 NOK 10.9K

$1,012 Rp 17.5M

15.42%

1-bedroom Apartment, Outside City Center (Monthly)

$847 NOK 7,898

$674 Rp 11.7M

25.64%

3-bedroom Apartment, City Center (Monthly)

$1,489 NOK 13.9K

$3,390 Rp 58.8M

-56.06%

3-bedroom Apartment, Outside City Center (Monthly)

$1,435 NOK 13.4K

$2,098 Rp 36.4M

-31.62%

Buy Apartment in City Center (m2)

$4,391 NOK 40.9K

$2,985 Rp 51.7M

47.13%

Buy Apartment Outside City Center (m2)

$3,528 NOK 32.9K

$2,339 Rp 40.5M

50.84%

Average Monthly Net Salary (After Tax)

$4,348 NOK 40.5K

$173 Rp 3.0M

2411.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.08

13.28

-61.75%

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

Last update for Hamar: April 27, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,168 in Hamar and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamar pays 2412% 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: $121 in Hamar vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $441 vs $298 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 65% in total monthly costs ($2,370 vs $1,438 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Hamar pays 2412% 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: $1,168 in Hamar versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 48% 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 $33.00 versus $121 in Hamar. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,438 in Ubud, Bali versus $2,370 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 65% less than in Hamar. Beyond cost, consider language, visa policies, and how big the international community is in each city.