Last update: Oct 2026

Cost of Living Comparison Between Harstad and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,611 in Harstad, rent and utilities included – about $15,100 less a year. Other living expenses account for most of the difference.

127

Cost of Living Index in Harstad
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Harstad Living Index
65

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

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Harstad

🇳🇴 Norway

$2,611

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,611 in Harstad versus $1,349 in Ubud, Bali.

Harstad $2,611
Ubud, Bali $1,349

Estimated couple costs with rent: $3,888 in Harstad versus $2,305 in Ubud, Bali.

Harstad $3,888
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $5,164 in Harstad versus $3,261 in Ubud, Bali.

Harstad $5,164
Ubud, Bali $3,261

Living in Harstad is roughly 94% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$14.27 NOK 131

$3.32 Rp 60.2K

329.82%

Three-Course Dinner for Two, Mid-Range

$106 NOK 971

$35.64 Rp 645.8K

196.60%

Fast Food Meal (McDonalds, etc)

$15.97 NOK 147

$5.53 Rp 100.3K

188.79%

Cappuccino

$6.27 NOK 57.6

$2.72 Rp 49.3K

130.51%

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

$3.70 NOK 34.03

$1.70 Rp 30.8K

117.65%

Water (0.33 liter bottle)

$3.18 NOK 29.18

$0.76 Rp 13.8K

318.42%

Local Beer (0.5 liter draught)

$12.77 NOK 117

$2.65 Rp 48.1K

381.89%

Imported Beer (0.33 liter bottle)

$14.04 NOK 129

$4.38 Rp 79.4K

220.55%

Milk (1 liter)

$2.54 NOK 23.33

$1.49 Rp 27.0K

70.47%

White Bread (500g)

$3.39 NOK 31.10

$2.28 Rp 41.2K

48.68%

Rice (white) (1kg)

$3.14 NOK 28.83

$1.19 Rp 21.6K

163.87%

Eggs

$4.42 NOK 40.61

$2.04 Rp 36.9K

116.67%

Local Cheese (1kg)

$11.37 NOK 104

$17.70 Rp 320.8K

-35.76%

Chicken Fillets (1kg)

$15.31 NOK 141

$3.96 Rp 71.8K

286.62%

Beef Round Steak (1kg)

$41.97 NOK 386

$12.19 Rp 220.9K

244.30%

Apples (1kg)

$4.28 NOK 39.30

$3.66 Rp 66.2K

16.94%

Banana (1kg)

$2.87 NOK 26.38

$1.52 Rp 27.5K

88.82%

Oranges (1kg)

$3.87 NOK 35.55

$2.23 Rp 40.4K

73.54%

Tomato (1kg)

$4.79 NOK 43.97

$1.97 Rp 35.7K

143.15%

Potato (1kg)

$2.21 NOK 20.33

$1.85 Rp 33.5K

19.46%

Onion (1kg)

$2.18 NOK 20.03

$2.42 Rp 43.9K

-9.92%

Lettuce (1 head)

$3.00 NOK 27.55

$0.99 Rp 17.9K

203.03%

Water (1.5 liter bottle)

$2.34 NOK 21.49

$0.51 Rp 9,303

358.82%

Cigarettes 20 Pack (Marlboro, Camel)

$16.41 NOK 151

$2.22 Rp 40.3K

639.19%

Wine (Bottle)

$15.93 NOK 146

$22.24 Rp 403.0K

-28.37%

Local Beer (0.5 liter bottle)

$3.90 NOK 35.82

$2.26 Rp 41.0K

72.57%

Imported Beer (0.33 liter bottle)

$4.89 NOK 44.90

$2.97 Rp 53.8K

64.65%

One-way Ticket (Public Transport)

$6.17 NOK 56.7

$0.25 Rp 4,548

2368.00%

Public Transport Monthly Pass (Regular Price)

$84.1 NOK 772

$7.82 Rp 141.8K

974.94%

Taxi Start (Normal Tariff)

$15.98 NOK 147

$0.44 Rp 7,964

3531.82%

Taxi (Normal Tariff) (1km)

$1.91 NOK 17.52

$0.43 Rp 7,793

344.19%

Taxi 1hour Waiting (Normal Tariff)

$58.0 NOK 533

$5.41 Rp 98.0K

972.46%

Gasoline (1 liter)

$2.34 NOK 21.48

$0.82 Rp 14.9K

185.37%

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

$36.9K NOK 339.4K

$23.8K Rp 432.0M

54.96%

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

$31.6K NOK 290.4K

$31.7K Rp 575.3M

-0.44%

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

$173 NOK 1,587

$79.1 Rp 1.4M

118.50%

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

$35.51 NOK 326

$6.45 Rp 116.8K

450.54%

Internet (50+ Mbps, Unlimited Data)

$79.5 NOK 731

$18.58 Rp 336.7K

327.93%

Gym Membership (Monthly)

$49.72 NOK 457

$49.48 Rp 896.7K

0.49%

Tennis Court (1 Hour on Weekend)

$36.95 NOK 339

$17.65 Rp 319.8K

109.35%

Cinema Ticket

$17.75 NOK 163

$4.27 Rp 77.4K

315.69%

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

$325 NOK 2,985

$491 Rp 8.9M

-33.77%

International Primary School, 1 Child (Yearly)

$5,295 NOK 48.6K

$5,674 Rp 102.8M

-6.67%

Jeans (Levis 501 Or Similar)

$68.8 NOK 632

$44.64 Rp 808.9K

54.01%

Summer Dress (H&M, Zara, etc)

$35.70 NOK 328

$34.95 Rp 633.4K

2.15%

Sport Shoes (Adidas, Nike)

$121 NOK 1,115

$79.9 Rp 1.4M

51.96%

Men's Leather Business Shoes

$170 NOK 1,563

$79.4 Rp 1.4M

114.20%

1-bedroom Apartment, City Center (Monthly)

$1,411 NOK 13.0K

$1,125 Rp 20.4M

25.39%

1-bedroom Apartment, Outside City Center (Monthly)

$1,053 NOK 9,673

$671 Rp 12.2M

56.79%

3-bedroom Apartment, City Center (Monthly)

$2,352 NOK 21.6K

$3,565 Rp 64.6M

-34.03%

3-bedroom Apartment, Outside City Center (Monthly)

$1,537 NOK 14.1K

$1,723 Rp 31.2M

-10.79%

Buy Apartment in City Center (m2)

$6,396 NOK 58.8K

$2,732 Rp 49.5M

134.15%

Buy Apartment Outside City Center (m2)

$4,354 NOK 40.0K

$2,284 Rp 41.4M

90.61%

Average Monthly Net Salary (After Tax)

$3,511 NOK 32.3K

$164 Rp 3.0M

2042.79%

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: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Harstad

$1.1K 40.3%

Ubud, Bali

$672 49.8% 36.2% $381

Groceries & Markets

Harstad

$516 19.8%

Ubud, Bali

$288 21.4% 44.1% $228

Eating Out

Harstad

$357 13.7%

Ubud, Bali

$108 8% 69.8% $249

Monthly Utilities & Internet

Harstad

$288 11%

Ubud, Bali

$104 7.7% 63.8% $184

Clothing & Footwear

Harstad

$178 6.8%

Ubud, Bali

$108 8% 39.7% $71

Getting Around

Harstad

$134 5.1%

Ubud, Bali

$11 0.9% 91.5% $123

Sport & Entertainment

Harstad

$85 3.3%

Ubud, Bali

$58 4.3% 31.9% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,411 in Harstad and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Harstad pays about 21 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $106 in Harstad vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $516 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇴 Harstad

🇮🇩 Ubud, Bali

🕒 Local time

07:35 7:35 AM

14:35 2:35 PM

7 h ahead of Harstad

🌤 Weather

👥 Population

25,119

74,800

💱 Currency

Norwegian Krone NOK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NOK = 10.88 USD

100 NOK = 9.75 EUR

100,000 IDR = 5.52 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 November 1, 2026: 1 USD = 9.19 NOK (1 NOK = 0.109 USD). 1 EUR = 10.26 NOK (100 NOK = 9.75 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to NOK in detail →

On the map

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Highest

Between locations

Harstad Ubud, Bali 11,240 km ≈ 15 h nonstop flight

From you

Harstad
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

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

Ubud, Bali is about 48% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Harstad is about 21 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: $1,411 in Harstad 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 79% 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 versus $106 in Harstad. 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.

Safety-wise, Harstad and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 48% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.