Last update: Oct 2026

Cost of Living Comparison Between Helsinki and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,212 in Helsinki, rent and utilities included – about $10,400 less a year. Other living expenses account for most of the difference.

106

Cost of Living Index in Helsinki
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Helsinki Living Index
65

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

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Helsinki

🇫🇮 Finland

$2,212

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,212 in Helsinki versus $1,349 in Ubud, Bali.

Helsinki $2,212
Ubud, Bali $1,349

Estimated couple costs with rent: $3,519 in Helsinki versus $2,305 in Ubud, Bali.

Helsinki $3,519
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,827 in Helsinki versus $3,261 in Ubud, Bali.

Helsinki $4,827
Ubud, Bali $3,261

Living in Helsinki is roughly 64% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$17.99 €16.16

$3.32 Rp 60.4K

441.87%

Three-Course Dinner for Two, Mid-Range

$113 €102

$35.64 Rp 647.8K

217.03%

Fast Food Meal (McDonalds, etc)

$13.47 €12.10

$5.53 Rp 100.6K

143.58%

Cappuccino

$5.03 €4.52

$2.72 Rp 49.4K

84.93%

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

$3.42 €3.07

$1.70 Rp 30.9K

101.18%

Water (0.33 liter bottle)

$2.57 €2.30

$0.76 Rp 13.8K

238.16%

Local Beer (0.5 liter draught)

$9.60 €8.63

$2.65 Rp 48.2K

262.26%

Imported Beer (0.33 liter bottle)

$8.86 €7.96

$4.38 Rp 79.6K

102.28%

Milk (1 liter)

$1.38 €1.24

$1.49 Rp 27.1K

-7.38%

White Bread (500g)

$2.80 €2.51

$2.28 Rp 41.4K

22.81%

Rice (white) (1kg)

$2.58 €2.32

$1.19 Rp 21.6K

116.81%

Eggs

$3.96 €3.56

$2.04 Rp 37.0K

94.12%

Local Cheese (1kg)

$9.81 €8.81

$17.70 Rp 321.7K

-44.58%

Chicken Fillets (1kg)

$13.01 €11.69

$3.96 Rp 72.0K

228.54%

Beef Round Steak (1kg)

$25.18 €22.62

$12.19 Rp 221.6K

106.56%

Apples (1kg)

$2.73 €2.46

$3.66 Rp 66.4K

-25.41%

Banana (1kg)

$2.16 €1.94

$1.52 Rp 27.6K

42.11%

Oranges (1kg)

$2.51 €2.26

$2.23 Rp 40.5K

12.56%

Tomato (1kg)

$3.97 €3.56

$1.97 Rp 35.9K

101.52%

Potato (1kg)

$1.24 €1.12

$1.85 Rp 33.6K

-32.97%

Onion (1kg)

$1.67 €1.50

$2.42 Rp 44.1K

-30.99%

Lettuce (1 head)

$2.15 €1.93

$0.99 Rp 18.0K

117.17%

Water (1.5 liter bottle)

$1.67 €1.50

$0.51 Rp 9,332

227.45%

Cigarettes 20 Pack (Marlboro, Camel)

$14.16 €12.72

$2.22 Rp 40.4K

537.84%

Wine (Bottle)

$15.50 €13.92

$22.24 Rp 404.2K

-30.31%

Local Beer (0.5 liter bottle)

$3.92 €3.52

$2.26 Rp 41.1K

73.45%

Imported Beer (0.33 liter bottle)

$3.86 €3.46

$2.97 Rp 54.0K

29.97%

One-way Ticket (Public Transport)

$3.66 €3.29

$0.25 Rp 4,562

1364.00%

Public Transport Monthly Pass (Regular Price)

$82.5 €74.1

$7.82 Rp 142.2K

955.50%

Taxi Start (Normal Tariff)

$16.35 €14.69

$0.44 Rp 7,989

3615.91%

Taxi (Normal Tariff) (1km)

$1.28 €1.15

$0.43 Rp 7,817

197.67%

Taxi 1hour Waiting (Normal Tariff)

$75.3 €67.6

$5.41 Rp 98.3K

1290.94%

Gasoline (1 liter)

$2.41 €2.16

$0.82 Rp 15.0K

193.90%

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

$36.5K €32.8K

$23.8K Rp 433.3M

53.21%

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

$38.2K €34.3K

$31.7K Rp 577.0M

20.44%

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

$137 €123

$79.1 Rp 1.4M

73.65%

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

$25.56 €22.96

$6.45 Rp 117.2K

296.28%

Internet (50+ Mbps, Unlimited Data)

$24.00 €21.56

$18.58 Rp 337.7K

29.17%

Gym Membership (Monthly)

$44.44 €39.92

$49.48 Rp 899.4K

-10.19%

Tennis Court (1 Hour on Weekend)

$38.23 €34.34

$17.65 Rp 320.8K

116.60%

Cinema Ticket

$17.52 €15.74

$4.27 Rp 77.7K

310.30%

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

$517 €464

$491 Rp 8.9M

5.38%

International Primary School, 1 Child (Yearly)

$12.8K €11.5K

$5,674 Rp 103.1M

125.02%

Jeans (Levis 501 Or Similar)

$88.8 €79.7

$44.64 Rp 811.4K

98.86%

Summer Dress (H&M, Zara, etc)

$43.34 €38.93

$34.95 Rp 635.3K

24.01%

Sport Shoes (Adidas, Nike)

$103 €92.9

$79.9 Rp 1.5M

29.36%

Men's Leather Business Shoes

$148 €133

$79.4 Rp 1.4M

86.70%

1-bedroom Apartment, City Center (Monthly)

$1,307 €1,174

$1,125 Rp 20.4M

16.16%

1-bedroom Apartment, Outside City Center (Monthly)

$930 €836

$671 Rp 12.2M

38.53%

3-bedroom Apartment, City Center (Monthly)

$2,286 €2,053

$3,565 Rp 64.8M

-35.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,673 €1,503

$1,723 Rp 31.3M

-2.94%

Buy Apartment in City Center (m2)

$9,307 €8,360

$2,732 Rp 49.6M

240.71%

Buy Apartment Outside City Center (m2)

$4,408 €3,959

$2,284 Rp 41.5M

92.98%

Average Monthly Net Salary (After Tax)

$3,184 €2,860

$164 Rp 3.0M

1843.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.65

13.78

-73.51%

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

Last update for Helsinki: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Helsinki

$930 42.1%

Ubud, Bali

$672 49.8% 27.8% $259

Groceries & Markets

Helsinki

$388 17.6%

Ubud, Bali

$288 21.4% 25.7% $100

Eating Out

Helsinki

$334 15.1%

Ubud, Bali

$108 8% 67.8% $227

Monthly Utilities & Internet

Helsinki

$187 8.5%

Ubud, Bali

$104 7.7% 44.3% $83

Clothing & Footwear

Helsinki

$173 7.8%

Ubud, Bali

$108 8% 37.7% $65

Getting Around

Helsinki

$120 5.4%

Ubud, Bali

$11 0.9% 90.5% $109

Sport & Entertainment

Helsinki

$79 3.6%

Ubud, Bali

$58 4.3% 27% $21

Cost Breakdown

A one-bedroom apartment in the center runs $1,307 in Helsinki and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Helsinki pays about 19 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $113 in Helsinki vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $388 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Helsinki

🇮🇩 Ubud, Bali

🕒 Local time

22:36 10:36 PM

04:36 4:36 AM

6 h ahead of Helsinki

🌤 Weather

👥 Population

674,963 Capital

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.5 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 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Between locations

Helsinki Ubud, Bali 10,840 km ≈ 14 h nonstop flight

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Helsinki
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

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

Ubud, Bali is about 39% cheaper overall, especially in eating out, transport, and groceries. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Helsinki is about 19 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: $1,307 in Helsinki versus $1,125 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 $36 versus $113 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 $1,349 in Ubud, Bali – Ubud, Bali is about 39% cheaper, which adds up to real savings over time.

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.

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 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 39% less than in Helsinki. Beyond cost, consider language, visa policies, and how big the international community is in each city.