Last update: Oct 2026

Cost of Living Comparison Between Hanko and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,845 in Hanko, rent and utilities included – about $5,900 less a year. Other living expenses account for most of the difference.

89

Cost of Living Index in Hanko
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Hanko Living Index
66

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

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Hanko

🇫🇮 Finland

$1,845

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,845 in Hanko versus $1,353 in Ubud, Bali.

Hanko $1,845
Ubud, Bali $1,353

Estimated couple costs with rent: $2,870 in Hanko versus $2,297 in Ubud, Bali.

Hanko $2,870
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $3,894 in Hanko versus $3,241 in Ubud, Bali.

Hanko $3,894
Ubud, Bali $3,241

Living in Hanko is roughly 36% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Hanko 36% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$16.24 €14.45

$3.23 Rp 58.1K

402.79%

Three-Course Dinner for Two, Mid-Range

$88.7 €78.9

$34.88 Rp 627.8K

154.24%

Fast Food Meal (McDonalds, etc)

$11.59 €10.31

$5.70 Rp 102.5K

103.33%

Cappuccino

$5.32 €4.73

$2.62 Rp 47.1K

103.05%

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

$3.00 €2.67

$1.72 Rp 31.0K

74.42%

Water (0.33 liter bottle)

$1.92 €1.71

$0.81 Rp 14.6K

137.04%

Local Beer (0.5 liter draught)

$7.61 €6.77

$2.65 Rp 47.7K

187.17%

Imported Beer (0.33 liter bottle)

$8.91 €7.92

$4.37 Rp 78.6K

103.89%

Milk (1 liter)

$1.29 €1.15

$1.57 Rp 28.3K

-17.83%

White Bread (500g)

$2.67 €2.37

$2.19 Rp 39.5K

21.92%

Rice (white) (1kg)

$2.49 €2.22

$1.18 Rp 21.2K

111.02%

Eggs

$3.19 €2.84

$2.16 Rp 38.8K

47.69%

Local Cheese (1kg)

$9.05 €8.05

$17.65 Rp 317.7K

-48.73%

Chicken Fillets (1kg)

$13.99 €12.44

$3.78 Rp 68.0K

270.11%

Beef Round Steak (1kg)

$21.10 €18.77

$11.95 Rp 215.1K

76.57%

Apples (1kg)

$2.34 €2.08

$3.60 Rp 64.8K

-35.00%

Banana (1kg)

$2.12 €1.89

$1.59 Rp 28.6K

33.33%

Oranges (1kg)

$2.54 €2.26

$2.31 Rp 41.6K

9.96%

Tomato (1kg)

$3.90 €3.47

$1.91 Rp 34.3K

104.19%

Potato (1kg)

$1.26 €1.12

$1.78 Rp 32.1K

-29.21%

Onion (1kg)

$1.92 €1.71

$2.33 Rp 41.9K

-17.60%

Lettuce (1 head)

$2.81 €2.50

$1.00 Rp 18.0K

181.00%

Water (1.5 liter bottle)

$1.96 €1.74

$0.53 Rp 9,509

269.81%

Cigarettes 20 Pack (Marlboro, Camel)

$12.95 €11.52

$2.29 Rp 41.1K

465.50%

Wine (Bottle)

$16.10 €14.32

$22.07 Rp 397.3K

-27.05%

Local Beer (0.5 liter bottle)

$3.04 €2.71

$2.35 Rp 42.2K

29.36%

Imported Beer (0.33 liter bottle)

$3.40 €3.02

$2.98 Rp 53.6K

14.09%

One-way Ticket (Public Transport)

$3.25 €2.89

$0.23 Rp 4,112

1313.04%

Public Transport Monthly Pass (Regular Price)

$64.7 €57.5

$8.90 Rp 160.2K

626.74%

Taxi Start (Normal Tariff)

$4.29 €3.82

$0.47 Rp 8,466

812.77%

Taxi (Normal Tariff) (1km)

$1.31 €1.16

$0.43 Rp 7,737

204.65%

Taxi 1hour Waiting (Normal Tariff)

$66.6 €59.3

$5.47 Rp 98.4K

1118.10%

Gasoline (1 liter)

$2.35 €2.09

$0.83 Rp 14.9K

183.13%

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

$36.4K €32.3K

$23.9K Rp 429.8M

52.25%

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

$36.4K €32.3K

$32.8K Rp 590.1M

10.93%

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

$130 €116

$80.0 Rp 1.4M

62.47%

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

$24.93 €22.17

$6.56 Rp 118.1K

280.03%

Internet (50+ Mbps, Unlimited Data)

$23.64 €21.02

$18.60 Rp 334.8K

27.10%

Gym Membership (Monthly)

$43.34 €38.55

$54.1 Rp 974.1K

-19.92%

Tennis Court (1 Hour on Weekend)

$22.16 €19.71

$18.28 Rp 329.0K

21.23%

Cinema Ticket

$17.97 €15.99

$4.25 Rp 76.5K

322.82%

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

$335 €298

$493 Rp 8.9M

-32.01%

International Primary School, 1 Child (Yearly)

$12.4K €11.1K

$5,597 Rp 100.7M

122.38%

Jeans (Levis 501 Or Similar)

$96.8 €86.1

$45.58 Rp 820.4K

112.33%

Summer Dress (H&M, Zara, etc)

$48.95 €43.54

$34.96 Rp 629.4K

40.02%

Sport Shoes (Adidas, Nike)

$102 €91.0

$77.7 Rp 1.4M

31.65%

Men's Leather Business Shoes

$151 €134

$78.5 Rp 1.4M

91.95%

1-bedroom Apartment, City Center (Monthly)

$785 €698

$1,131 Rp 20.4M

-30.62%

1-bedroom Apartment, Outside City Center (Monthly)

$642 €571

$673 Rp 12.1M

-4.60%

3-bedroom Apartment, City Center (Monthly)

$1,225 €1,090

$3,613 Rp 65.0M

-66.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,032 €918

$1,702 Rp 30.6M

-39.37%

Buy Apartment in City Center (m2)

$4,038 €3,592

$2,717 Rp 48.9M

48.61%

Buy Apartment Outside City Center (m2)

$2,106 €1,874

$2,241 Rp 40.3M

-6.01%

Average Monthly Net Salary (After Tax)

$4,380 €3,896

$166 Rp 3.0M

2532.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.51

13.78

-74.53%

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

Last update for Hanko: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Hanko

$642 34.8%

Ubud, Bali

$673 49.7% 4.8% $31

Groceries & Markets

Hanko

$373 20.2%

Ubud, Bali

$287 21.2% 23.1% $86

Eating Out

Hanko

$304 16.5%

Ubud, Bali

$106 7.9% 65% $198

Clothing & Footwear

Hanko

$179 9.7%

Ubud, Bali

$107 7.9% 40.6% $73

Monthly Utilities & Internet

Hanko

$179 9.7%

Ubud, Bali

$105 7.8% 41.1% $73

Getting Around

Hanko

$89 4.8%

Ubud, Bali

$12 0.9% 86% $76

Sport & Entertainment

Hanko

$79 4.3%

Ubud, Bali

$63 4.6% 21% $17

Cost Breakdown

A one-bedroom apartment in the center runs $785 in Hanko and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hanko pays 2533% 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: $89.0 in Hanko vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $373 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Hanko

🇮🇩 Ubud, Bali

🕒 Local time

16:17 4:17 PM

21:17 9:17 PM

5 h ahead of Hanko

🌤 Weather

👥 Population

8,000

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Hanko Ubud, Bali 10,950 km ≈ 14 h nonstop flight

From you

Hanko
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 36% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2533% higher in Hanko, 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: $785 in Hanko versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $335 in Hanko versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 30% higher in Hanko. For households that cook at home regularly, that difference adds up over a month.

At $1,353 in Ubud, Bali versus $1,845 in Hanko, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hanko. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Hanko, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hanko 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 36% less than in Hanko. Beyond cost, consider language, visa policies, and how big the international community is in each city.