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: $2,379 in Hamar versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $3,737 in Hamar versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,095 in Hamar versus $3,723 in Ubud, Bali.

Living in Hamar is roughly 71% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hamar 79% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$25.39 NOK 244

$3.57 Rp 64.6K

611.20%

Three-Course Dinner for Two, Mid-Range

$122 NOK 1,170

$32.32 Rp 584.4K

277.48%

Fast Food Meal (McDonalds, etc)

$15.27 NOK 147

$5.01 Rp 90.5K

204.79%

Cappuccino

$5.07 NOK 48.59

$2.82 Rp 51.1K

79.79%

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

$4.21 NOK 40.39

$1.35 Rp 24.4K

211.85%

Water (0.33 liter bottle)

$3.18 NOK 30.47

$0.73 Rp 13.2K

335.62%

Local Beer (0.5 liter draught)

$11.96 NOK 115

$2.93 Rp 53.0K

308.19%

Imported Beer (0.33 liter bottle)

$8.19 NOK 78.5

$3.94 Rp 71.2K

107.87%

Milk (1 liter)

$2.10 NOK 20.16

$1.78 Rp 32.2K

17.98%

White Bread (500g)

$2.84 NOK 27.29

$2.45 Rp 44.3K

15.92%

Rice (white) (1kg)

$2.05 NOK 19.63

$1.15 Rp 20.8K

78.26%

Eggs

$5.20 NOK 49.84

$2.41 Rp 43.7K

115.77%

Local Cheese (1kg)

$10.42 NOK 99.9

$14.33 Rp 259.1K

-27.29%

Chicken Fillets (1kg)

$12.20 NOK 117

$4.19 Rp 75.7K

191.17%

Beef Round Steak (1kg)

$31.13 NOK 299

$12.06 Rp 218.1K

158.13%

Apples (1kg)

$3.44 NOK 33.04

$3.64 Rp 65.8K

-5.49%

Banana (1kg)

$2.50 NOK 23.96

$1.57 Rp 28.3K

59.24%

Oranges (1kg)

$2.89 NOK 27.69

$2.79 Rp 50.4K

3.58%

Tomato (1kg)

$5.08 NOK 48.77

$2.24 Rp 40.5K

126.79%

Potato (1kg)

$2.38 NOK 22.81

$1.98 Rp 35.8K

20.20%

Onion (1kg)

$2.39 NOK 22.95

$2.28 Rp 41.2K

4.82%

Lettuce (1 head)

$2.00 NOK 19.18

$1.05 Rp 19.1K

90.48%

Water (1.5 liter bottle)

$1.89 NOK 18.12

$0.79 Rp 14.2K

139.24%

Cigarettes 20 Pack (Marlboro, Camel)

$17.40 NOK 167

$3.19 Rp 57.7K

445.45%

Wine (Bottle)

$18.04 NOK 173

$23.49 Rp 424.8K

-23.20%

Local Beer (0.5 liter bottle)

$3.52 NOK 33.75

$2.90 Rp 52.4K

21.38%

Imported Beer (0.33 liter bottle)

$4.25 NOK 40.80

$2.76 Rp 49.8K

53.99%

One-way Ticket (Public Transport)

$4.48 NOK 43.02

$0.27 Rp 4,821

1559.26%

Public Transport Monthly Pass (Regular Price)

$64.5 NOK 619

$8.37 Rp 151.3K

670.49%

Taxi Start (Normal Tariff)

$9.97 NOK 95.7

$0.45 Rp 8,180

2115.56%

Taxi (Normal Tariff) (1km)

$1.38 NOK 13.27

$0.46 Rp 8,311

200.00%

Taxi 1hour Waiting (Normal Tariff)

$42.66 NOK 409

$6.07 Rp 109.7K

602.80%

Gasoline (1 liter)

$2.11 NOK 20.20

$0.86 Rp 15.6K

145.35%

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

$35.9K NOK 344.4K

$26.6K Rp 480.7M

35.03%

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

$43.2K NOK 414.6K

$32.5K Rp 588.6M

32.78%

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

$218 NOK 2,096

$79.0 Rp 1.4M

176.49%

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

$31.47 NOK 302

$4.09 Rp 74.0K

669.44%

Internet (50+ Mbps, Unlimited Data)

$56.2 NOK 539

$23.85 Rp 431.2K

135.60%

Gym Membership (Monthly)

$55.7 NOK 534

$98.8 Rp 1.8M

-43.62%

Tennis Court (1 Hour on Weekend)

$27.97 NOK 268

$6.35 Rp 114.9K

340.47%

Cinema Ticket

$18.02 NOK 173

$4.01 Rp 72.5K

349.38%

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

$203 NOK 1,944

$297 Rp 5.4M

-31.83%

International Primary School, 1 Child (Yearly)

$14.6K NOK 140.2K

$6,602 Rp 119.4M

121.40%

Jeans (Levis 501 Or Similar)

$106 NOK 1,014

$53.4 Rp 966.0K

97.87%

Summer Dress (H&M, Zara, etc)

$60.4 NOK 580

$38.11 Rp 689.2K

58.59%

Sport Shoes (Adidas, Nike)

$121 NOK 1,161

$88.7 Rp 1.6M

36.57%

Men's Leather Business Shoes

$103 NOK 988

$76.6 Rp 1.4M

34.39%

1-bedroom Apartment, City Center (Monthly)

$1,160 NOK 11.1K

$1,020 Rp 18.4M

13.78%

1-bedroom Apartment, Outside City Center (Monthly)

$824 NOK 7,902

$680 Rp 12.3M

21.09%

3-bedroom Apartment, City Center (Monthly)

$1,496 NOK 14.3K

$3,469 Rp 62.7M

-56.88%

3-bedroom Apartment, Outside City Center (Monthly)

$1,445 NOK 13.9K

$2,090 Rp 37.8M

-30.86%

Buy Apartment in City Center (m2)

$4,211 NOK 40.4K

$2,729 Rp 49.3M

54.30%

Buy Apartment Outside City Center (m2)

$3,448 NOK 33.1K

$2,295 Rp 41.5M

50.21%

Average Monthly Net Salary (After Tax)

$4,111 NOK 39.4K

$164 Rp 3.0M

2411.63%

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: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,160 in Hamar and $1,020 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: $122 in Hamar vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $438 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 71% in total monthly costs ($2,379 vs $1,392 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2412% 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: $1,160 in Hamar versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 47% 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 $32.00 versus $122 in Hamar. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,392 in Ubud, Bali versus $2,379 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 71% less than in Hamar. Beyond cost, consider language, visa policies, and how big the international community is in each city.