Last update: Oct 2026

Cost of Living Comparison Between Heraklion and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,612 in Heraklion, rent and utilities included – about $3,200 less a year. The total is higher in Heraklion despite lower rent and utilities.

78

Cost of Living Index in Heraklion
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Heraklion Living Index
65

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

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Heraklion

🇬🇷 Greece

$1,612

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,612 in Heraklion versus $1,349 in Ubud, Bali.

Heraklion $1,612
Ubud, Bali $1,349

Estimated couple costs with rent: $2,516 in Heraklion versus $2,305 in Ubud, Bali.

Heraklion $2,516
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,420 in Heraklion versus $3,261 in Ubud, Bali.

Heraklion $3,420
Ubud, Bali $3,261

Living in Heraklion is roughly 20% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$12.90 €11.56

$3.32 Rp 60.4K

288.55%

Three-Course Dinner for Two, Mid-Range

$55.5 €49.75

$35.64 Rp 648.1K

55.78%

Fast Food Meal (McDonalds, etc)

$10.19 €9.13

$5.53 Rp 100.6K

84.27%

Cappuccino

$3.69 €3.31

$2.72 Rp 49.4K

35.66%

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

$2.45 €2.19

$1.70 Rp 30.9K

44.12%

Water (0.33 liter bottle)

$0.75 €0.67

$0.76 Rp 13.8K

-1.32%

Local Beer (0.5 liter draught)

$5.47 €4.90

$2.65 Rp 48.3K

106.42%

Imported Beer (0.33 liter bottle)

$5.27 €4.72

$4.38 Rp 79.7K

20.32%

Milk (1 liter)

$1.73 €1.55

$1.49 Rp 27.1K

16.11%

White Bread (500g)

$1.45 €1.30

$2.28 Rp 41.4K

-36.40%

Rice (white) (1kg)

$2.57 €2.30

$1.19 Rp 21.6K

115.97%

Eggs

$4.50 €4.03

$2.04 Rp 37.0K

120.59%

Local Cheese (1kg)

$15.89 €14.24

$17.70 Rp 321.9K

-10.23%

Chicken Fillets (1kg)

$10.49 €9.40

$3.96 Rp 72.1K

164.90%

Beef Round Steak (1kg)

$15.31 €13.72

$12.19 Rp 221.7K

25.59%

Apples (1kg)

$2.13 €1.91

$3.66 Rp 66.5K

-41.80%

Banana (1kg)

$2.07 €1.85

$1.52 Rp 27.6K

36.18%

Oranges (1kg)

$1.41 €1.26

$2.23 Rp 40.5K

-36.77%

Tomato (1kg)

$1.68 €1.51

$1.97 Rp 35.9K

-14.72%

Potato (1kg)

$1.18 €1.06

$1.85 Rp 33.6K

-36.22%

Onion (1kg)

$1.17 €1.05

$2.42 Rp 44.1K

-51.65%

Lettuce (1 head)

$0.95 €0.86

$0.99 Rp 18.0K

-4.04%

Water (1.5 liter bottle)

$0.75 €0.67

$0.51 Rp 9,336

47.06%

Cigarettes 20 Pack (Marlboro, Camel)

$4.88 €4.37

$2.22 Rp 40.4K

119.82%

Wine (Bottle)

$8.04 €7.21

$22.24 Rp 404.4K

-63.85%

Local Beer (0.5 liter bottle)

$2.22 €1.99

$2.26 Rp 41.1K

-1.77%

Imported Beer (0.33 liter bottle)

$2.88 €2.58

$2.97 Rp 54.0K

-3.03%

One-way Ticket (Public Transport)

$1.46 €1.31

$0.25 Rp 4,564

484.00%

Public Transport Monthly Pass (Regular Price)

$68.9 €61.7

$7.82 Rp 142.3K

780.82%

Taxi Start (Normal Tariff)

$4.36 €3.90

$0.44 Rp 7,992

890.91%

Taxi (Normal Tariff) (1km)

$1.10 €0.99

$0.43 Rp 7,821

155.81%

Taxi 1hour Waiting (Normal Tariff)

$11.35 €10.17

$5.41 Rp 98.4K

109.80%

Gasoline (1 liter)

$2.20 €1.97

$0.82 Rp 15.0K

168.29%

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

$28.5K €25.5K

$23.8K Rp 433.5M

19.36%

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

$24.5K €22.0K

$31.7K Rp 577.3M

-22.76%

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

$194 €174

$79.1 Rp 1.4M

145.33%

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

$29.91 €26.80

$6.45 Rp 117.2K

363.72%

Internet (50+ Mbps, Unlimited Data)

$38.16 €34.20

$18.58 Rp 337.8K

105.38%

Gym Membership (Monthly)

$54.7 €49.03

$49.48 Rp 899.8K

10.57%

Tennis Court (1 Hour on Weekend)

$39.02 €34.97

$17.65 Rp 320.9K

121.08%

Cinema Ticket

$9.07 €8.13

$4.27 Rp 77.7K

112.41%

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

$412 €370

$491 Rp 8.9M

-15.91%

International Primary School, 1 Child (Yearly)

$4,013 €3,596

$5,674 Rp 103.2M

-29.27%

Jeans (Levis 501 Or Similar)

$91.0 €81.5

$44.64 Rp 811.7K

103.74%

Summer Dress (H&M, Zara, etc)

$43.15 €38.67

$34.95 Rp 635.6K

23.46%

Sport Shoes (Adidas, Nike)

$83.2 €74.6

$79.9 Rp 1.5M

4.17%

Men's Leather Business Shoes

$133 €119

$79.4 Rp 1.4M

67.73%

1-bedroom Apartment, City Center (Monthly)

$666 €597

$1,125 Rp 20.5M

-40.76%

1-bedroom Apartment, Outside City Center (Monthly)

$511 €458

$671 Rp 12.2M

-23.85%

3-bedroom Apartment, City Center (Monthly)

$1,209 €1,084

$3,565 Rp 64.8M

-66.07%

3-bedroom Apartment, Outside City Center (Monthly)

$997 €893

$1,723 Rp 31.3M

-42.17%

Buy Apartment in City Center (m2)

$3,562 €3,192

$2,732 Rp 49.7M

30.39%

Buy Apartment Outside City Center (m2)

$2,653 €2,378

$2,284 Rp 41.5M

16.17%

Average Monthly Net Salary (After Tax)

$1,108 €993

$164 Rp 3.0M

576.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

13.78

-67.78%

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

Last update for Heraklion: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Heraklion

$511 31.7%

Ubud, Bali

$672 49.8% 31.3% $160

Groceries & Markets

Heraklion

$295 18.3%

Ubud, Bali

$288 21.4% 2.2% $6.5

Monthly Utilities & Internet

Heraklion

$262 16.3%

Ubud, Bali

$104 7.7% 60.3% $158

Eating Out

Heraklion

$229 14.2%

Ubud, Bali

$108 8% 52.9% $121

Clothing & Footwear

Heraklion

$158 9.8%

Ubud, Bali

$108 8% 31.8% $50

Getting Around

Heraklion

$85 5.3%

Ubud, Bali

$11 0.9% 86.5% $73

Sport & Entertainment

Heraklion

$73 4.5%

Ubud, Bali

$58 4.3% 20.3% $15

Cost Breakdown

A one-bedroom apartment in the center runs $666 in Heraklion and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Heraklion pays about 6.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $56 in Heraklion vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $295 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇷 Heraklion

🇮🇩 Ubud, Bali

🕒 Local time

09:12 9:12 AM

15:12 3:12 PM

6 h ahead of Heraklion

🌤 Weather

👥 Population

140,730

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 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 29, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,242 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Heraklion Ubud, Bali 10,560 km ≈ 14 h nonstop flight

From you

Heraklion
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

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

Ubud, Bali is about 16% cheaper overall, especially in eating out, transport, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Heraklion is about 6.8 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: $666 in Heraklion versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $412 in Heraklion versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $56 in Heraklion. 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.

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

It comes down to priorities – Ubud, Bali wins on affordability, Heraklion on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.