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

Monthly Cost of Living

Monthly costs for one person with rent: $2,626 in Harstad versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $3,908 in Harstad versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,189 in Harstad versus $3,327 in Ubud, Bali.

Living in Harstad is roughly 92% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Harstad 92% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$14.17 NOK 134

$3.44 Rp 60.9K

311.92%

Three-Course Dinner for Two, Mid-Range

$109 NOK 1,027

$36.31 Rp 643.0K

200.08%

Fast Food Meal (McDonalds, etc)

$16.17 NOK 152

$5.71 Rp 101.0K

183.19%

Cappuccino

$6.56 NOK 61.9

$2.67 Rp 47.3K

145.69%

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

$3.84 NOK 36.18

$1.75 Rp 31.0K

119.43%

Water (0.33 liter bottle)

$3.18 NOK 29.98

$0.87 Rp 15.4K

265.52%

Local Beer (0.5 liter draught)

$12.72 NOK 120

$2.95 Rp 52.3K

331.19%

Imported Beer (0.33 liter bottle)

$13.91 NOK 131

$4.52 Rp 80.0K

207.74%

Milk (1 liter)

$2.58 NOK 24.32

$1.62 Rp 28.7K

59.26%

White Bread (500g)

$3.48 NOK 32.77

$2.33 Rp 41.3K

49.36%

Rice (white) (1kg)

$3.30 NOK 31.06

$1.11 Rp 19.6K

197.30%

Eggs

$4.58 NOK 43.18

$2.20 Rp 39.0K

108.18%

Local Cheese (1kg)

$11.19 NOK 105

$17.69 Rp 313.3K

-36.74%

Chicken Fillets (1kg)

$15.09 NOK 142

$4.10 Rp 72.5K

268.05%

Beef Round Steak (1kg)

$42.47 NOK 400

$12.18 Rp 215.6K

248.69%

Apples (1kg)

$4.24 NOK 39.94

$3.71 Rp 65.6K

14.29%

Banana (1kg)

$2.94 NOK 27.73

$1.59 Rp 28.1K

84.91%

Oranges (1kg)

$3.82 NOK 35.95

$2.28 Rp 40.4K

67.54%

Tomato (1kg)

$4.79 NOK 45.12

$1.95 Rp 34.6K

145.64%

Potato (1kg)

$2.16 NOK 20.37

$1.91 Rp 33.7K

13.09%

Onion (1kg)

$2.17 NOK 20.48

$2.33 Rp 41.3K

-6.87%

Lettuce (1 head)

$3.02 NOK 28.50

$1.01 Rp 17.8K

199.01%

Water (1.5 liter bottle)

$2.41 NOK 22.71

$0.55 Rp 9,773

338.18%

Cigarettes 20 Pack (Marlboro, Camel)

$16.82 NOK 158

$2.23 Rp 39.5K

654.26%

Wine (Bottle)

$15.81 NOK 149

$23.07 Rp 408.6K

-31.47%

Local Beer (0.5 liter bottle)

$4.04 NOK 38.03

$2.42 Rp 42.8K

66.94%

Imported Beer (0.33 liter bottle)

$4.98 NOK 46.97

$3.00 Rp 53.1K

66.00%

One-way Ticket (Public Transport)

$6.22 NOK 58.6

$0.27 Rp 4,814

2203.70%

Public Transport Monthly Pass (Regular Price)

$84.4 NOK 796

$8.98 Rp 159.1K

840.31%

Taxi Start (Normal Tariff)

$16.02 NOK 151

$0.48 Rp 8,566

3237.50%

Taxi (Normal Tariff) (1km)

$1.84 NOK 17.32

$0.43 Rp 7,679

327.91%

Taxi 1hour Waiting (Normal Tariff)

$56.9 NOK 536

$5.64 Rp 99.9K

909.40%

Gasoline (1 liter)

$2.25 NOK 21.20

$0.80 Rp 14.2K

181.25%

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

$37.6K NOK 354.3K

$24.9K Rp 441.7M

50.73%

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

$32.0K NOK 301.4K

$31.7K Rp 561.5M

0.87%

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

$168 NOK 1,582

$81.5 Rp 1.4M

106.08%

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

$34.80 NOK 328

$6.49 Rp 115.0K

436.21%

Internet (50+ Mbps, Unlimited Data)

$81.9 NOK 771

$18.77 Rp 332.4K

336.07%

Gym Membership (Monthly)

$51.1 NOK 482

$56.9 Rp 1.0M

-10.09%

Tennis Court (1 Hour on Weekend)

$37.78 NOK 356

$18.73 Rp 331.7K

101.71%

Cinema Ticket

$17.55 NOK 165

$4.54 Rp 80.4K

286.56%

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

$246 NOK 2,319

$481 Rp 8.5M

-48.80%

International Primary School, 1 Child (Yearly)

$5,377 NOK 50.7K

$5,711 Rp 101.1M

-5.84%

Jeans (Levis 501 Or Similar)

$68.7 NOK 647

$45.52 Rp 806.0K

50.81%

Summer Dress (H&M, Zara, etc)

$36.02 NOK 339

$35.88 Rp 635.4K

0.39%

Sport Shoes (Adidas, Nike)

$124 NOK 1,170

$80.4 Rp 1.4M

54.42%

Men's Leather Business Shoes

$168 NOK 1,580

$78.7 Rp 1.4M

113.16%

1-bedroom Apartment, City Center (Monthly)

$1,387 NOK 13.1K

$1,115 Rp 19.7M

24.48%

1-bedroom Apartment, Outside City Center (Monthly)

$1,092 NOK 10.3K

$698 Rp 12.4M

56.57%

3-bedroom Apartment, City Center (Monthly)

$2,321 NOK 21.9K

$3,637 Rp 64.4M

-36.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,530 NOK 14.4K

$1,737 Rp 30.8M

-11.94%

Buy Apartment in City Center (m2)

$6,192 NOK 58.3K

$2,784 Rp 49.3M

122.37%

Buy Apartment Outside City Center (m2)

$4,126 NOK 38.9K

$2,290 Rp 40.5M

80.20%

Average Monthly Net Salary (After Tax)

$3,607 NOK 34.0K

$168 Rp 3.0M

2046.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-63.72%

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

Last update for Harstad: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,387 in Harstad and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Harstad pays 2047% 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: $109 in Harstad vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $520 vs $295 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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Getting Around, Monthly Utilities & Internet. The 92% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2047% higher in Harstad, 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: $1,387 in Harstad versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 76% higher in Harstad. 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 $109 in Harstad. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $2,626 in Harstad, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Harstad. 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 Harstad, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Harstad 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 92% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.