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

Monthly Cost of Living

Monthly costs for one person with rent: $2,212 in Helsinki versus $1,395 in Ubud, Bali.

Estimated couple costs with rent: $3,422 in Helsinki versus $2,559 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,631 in Helsinki versus $3,724 in Ubud, Bali.

Living in Helsinki is roughly 59% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Helsinki 64% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$17.67 €15.00

$3.48 Rp 59.7K

407.76%

Three-Course Dinner for Two, Mid-Range

$104 €88.1

$32.88 Rp 563.4K

215.75%

Fast Food Meal (McDonalds, etc)

$12.92 €10.97

$5.09 Rp 87.2K

153.83%

Cappuccino

$5.26 €4.47

$2.75 Rp 47.1K

91.27%

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

$3.04 €2.58

$1.38 Rp 23.7K

120.29%

Water (0.33 liter bottle)

$2.36 €2.01

$0.71 Rp 12.2K

232.39%

Local Beer (0.5 liter draught)

$8.33 €7.07

$2.88 Rp 49.3K

189.24%

Imported Beer (0.33 liter bottle)

$8.06 €6.85

$3.87 Rp 66.3K

108.27%

Milk (1 liter)

$1.32 €1.12

$1.79 Rp 30.7K

-26.26%

White Bread (500g)

$2.59 €2.20

$2.45 Rp 41.9K

5.71%

Rice (white) (1kg)

$2.69 €2.28

$1.21 Rp 20.7K

122.31%

Eggs

$3.62 €3.07

$2.39 Rp 40.9K

51.46%

Local Cheese (1kg)

$9.34 €7.93

$14.70 Rp 251.9K

-36.46%

Chicken Fillets (1kg)

$14.67 €12.46

$4.24 Rp 72.7K

245.99%

Beef Round Steak (1kg)

$22.62 €19.20

$12.08 Rp 206.9K

87.25%

Apples (1kg)

$2.77 €2.35

$3.66 Rp 62.8K

-24.32%

Banana (1kg)

$2.18 €1.85

$1.61 Rp 27.5K

35.40%

Oranges (1kg)

$2.61 €2.22

$2.72 Rp 46.6K

-4.04%

Tomato (1kg)

$4.67 €3.97

$2.27 Rp 38.9K

105.73%

Potato (1kg)

$1.25 €1.06

$1.90 Rp 32.6K

-34.21%

Onion (1kg)

$1.87 €1.59

$2.30 Rp 39.4K

-18.70%

Lettuce (1 head)

$2.06 €1.75

$1.02 Rp 17.4K

101.96%

Water (1.5 liter bottle)

$1.91 €1.62

$0.78 Rp 13.3K

144.87%

Cigarettes 20 Pack (Marlboro, Camel)

$12.79 €10.86

$3.24 Rp 55.6K

294.75%

Wine (Bottle)

$16.14 €13.70

$24.06 Rp 412.3K

-32.92%

Local Beer (0.5 liter bottle)

$3.26 €2.77

$2.84 Rp 48.7K

14.79%

Imported Beer (0.33 liter bottle)

$4.01 €3.40

$2.79 Rp 47.8K

43.73%

One-way Ticket (Public Transport)

$3.62 €3.08

$0.27 Rp 4,606

1240.74%

Public Transport Monthly Pass (Regular Price)

$81.8 €69.4

$8.24 Rp 141.2K

892.48%

Taxi Start (Normal Tariff)

$8.22 €6.98

$0.45 Rp 7,700

1726.67%

Taxi (Normal Tariff) (1km)

$1.13 €0.96

$0.43 Rp 7,298

162.79%

Taxi 1hour Waiting (Normal Tariff)

$68.7 €58.4

$6.02 Rp 103.2K

1041.69%

Gasoline (1 liter)

$2.09 €1.77

$0.86 Rp 14.7K

143.02%

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

$36.6K €31.1K

$26.1K Rp 446.6M

40.54%

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

$38.3K €32.6K

$31.7K Rp 543.2M

20.96%

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

$129 €109

$78.3 Rp 1.3M

64.33%

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

$29.54 €25.08

$4.00 Rp 68.5K

638.50%

Internet (50+ Mbps, Unlimited Data)

$23.90 €20.29

$24.35 Rp 417.3K

-1.85%

Gym Membership (Monthly)

$47.25 €40.12

$95.8 Rp 1.6M

-50.66%

Tennis Court (1 Hour on Weekend)

$33.22 €28.21

$6.46 Rp 110.6K

414.24%

Cinema Ticket

$19.70 €16.73

$4.01 Rp 68.7K

391.27%

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

$404 €343

$302 Rp 5.2M

34.09%

International Primary School, 1 Child (Yearly)

$11.1K €9,403

$6,545 Rp 112.2M

69.23%

Jeans (Levis 501 Or Similar)

$107 €91.2

$53.4 Rp 915.5K

101.05%

Summer Dress (H&M, Zara, etc)

$39.05 €33.15

$38.55 Rp 660.6K

1.30%

Sport Shoes (Adidas, Nike)

$106 €89.6

$89.1 Rp 1.5M

18.45%

Men's Leather Business Shoes

$124 €105

$78.9 Rp 1.4M

56.87%

1-bedroom Apartment, City Center (Monthly)

$1,187 €1,008

$1,016 Rp 17.4M

16.86%

1-bedroom Apartment, Outside City Center (Monthly)

$941 €799

$672 Rp 11.5M

39.97%

3-bedroom Apartment, City Center (Monthly)

$2,131 €1,809

$3,368 Rp 57.7M

-36.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,543 €1,310

$2,108 Rp 36.1M

-26.79%

Buy Apartment in City Center (m2)

$9,860 €8,371

$3,001 Rp 51.4M

228.51%

Buy Apartment Outside City Center (m2)

$4,950 €4,203

$2,337 Rp 40.0M

111.87%

Average Monthly Net Salary (After Tax)

$3,199 €2,716

$178 Rp 3.0M

1702.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.09

13.28

-69.20%

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

Last update for Helsinki: April 13, 2026

Last update for Ubud, Bali: April 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,187 in Helsinki and $1,016 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Helsinki pays 1702% 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: $104 in Helsinki vs $33 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $390 vs $300 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

Helsinki 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 59% gap adds up to real monthly savings that compound significantly over time.

Helsinki pays 1702% 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: $1,187 in Helsinki versus $1,016 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $33.00 versus $104 in Helsinki. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,212 per month in Helsinki versus $1,395 in Ubud, Bali – a 59% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,395 in Ubud, Bali versus $2,212 in Helsinki, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Helsinki. 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 Helsinki, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Helsinki 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 59% less than in Helsinki. Beyond cost, consider language, visa policies, and how big the international community is in each city.