Last update: Oct 2026

Cost of Living Comparison Between Hyvinkaa and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,712 in Hyvinkaa, rent and utilities included – about $4,400 less a year. The total is higher in Hyvinkaa despite lower rent and utilities.

82

Cost of Living Index in Hyvinkaa
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Hyvinkaa Living Index
65

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

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Hyvinkaa

🇫🇮 Finland

$1,712

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,712 in Hyvinkaa versus $1,349 in Ubud, Bali.

Hyvinkaa $1,712
Ubud, Bali $1,349

Estimated couple costs with rent: $2,743 in Hyvinkaa versus $2,305 in Ubud, Bali.

Hyvinkaa $2,743
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,774 in Hyvinkaa versus $3,261 in Ubud, Bali.

Hyvinkaa $3,774
Ubud, Bali $3,261

Living in Hyvinkaa is roughly 27% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$15.78 €14.08

$3.32 Rp 60.3K

375.30%

Three-Course Dinner for Two, Mid-Range

$88.3 €78.8

$35.64 Rp 646.7K

147.87%

Fast Food Meal (McDonalds, etc)

$12.84 €11.45

$5.53 Rp 100.4K

132.19%

Cappuccino

$4.06 €3.63

$2.72 Rp 49.3K

49.26%

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

$2.42 €2.15

$1.70 Rp 30.9K

42.35%

Water (0.33 liter bottle)

$2.68 €2.39

$0.76 Rp 13.8K

252.63%

Local Beer (0.5 liter draught)

$8.76 €7.82

$2.65 Rp 48.2K

230.57%

Imported Beer (0.33 liter bottle)

$7.72 €6.89

$4.38 Rp 79.5K

76.26%

Milk (1 liter)

$1.46 €1.30

$1.49 Rp 27.1K

-2.01%

White Bread (500g)

$2.58 €2.30

$2.28 Rp 41.3K

13.16%

Rice (white) (1kg)

$3.01 €2.69

$1.19 Rp 21.6K

152.94%

Eggs

$2.77 €2.47

$2.04 Rp 36.9K

35.78%

Local Cheese (1kg)

$6.22 €5.55

$17.70 Rp 321.2K

-64.86%

Chicken Fillets (1kg)

$13.19 €11.77

$3.96 Rp 71.9K

233.08%

Beef Round Steak (1kg)

$23.62 €21.07

$12.19 Rp 221.2K

93.77%

Apples (1kg)

$2.46 €2.19

$3.66 Rp 66.3K

-32.79%

Banana (1kg)

$2.18 €1.94

$1.52 Rp 27.5K

43.42%

Oranges (1kg)

$2.18 €1.95

$2.23 Rp 40.4K

-2.24%

Tomato (1kg)

$3.40 €3.03

$1.97 Rp 35.8K

72.59%

Potato (1kg)

$1.46 €1.31

$1.85 Rp 33.5K

-21.08%

Onion (1kg)

$2.16 €1.92

$2.42 Rp 44.0K

-10.74%

Lettuce (1 head)

$1.53 €1.37

$0.99 Rp 18.0K

54.55%

Water (1.5 liter bottle)

$1.83 €1.63

$0.51 Rp 9,316

258.82%

Cigarettes 20 Pack (Marlboro, Camel)

$11.29 €10.07

$2.22 Rp 40.3K

408.56%

Wine (Bottle)

$13.65 €12.18

$22.24 Rp 403.6K

-38.62%

Local Beer (0.5 liter bottle)

$3.21 €2.86

$2.26 Rp 41.0K

42.04%

Imported Beer (0.33 liter bottle)

$2.99 €2.67

$2.97 Rp 53.9K

0.67%

One-way Ticket (Public Transport)

$3.31 €2.95

$0.25 Rp 4,555

1224.00%

Public Transport Monthly Pass (Regular Price)

$43.77 €39.05

$7.82 Rp 142.0K

459.72%

Taxi Start (Normal Tariff)

$8.22 €7.34

$0.44 Rp 7,975

1768.18%

Taxi (Normal Tariff) (1km)

$1.44 €1.28

$0.43 Rp 7,804

234.88%

Taxi 1hour Waiting (Normal Tariff)

$64.1 €57.2

$5.41 Rp 98.2K

1084.29%

Gasoline (1 liter)

$2.33 €2.08

$0.82 Rp 15.0K

184.15%

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

$22.8K €20.3K

$23.8K Rp 432.6M

-4.40%

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

$37.0K €33.0K

$31.7K Rp 576.1M

16.56%

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

$140 €125

$79.1 Rp 1.4M

76.69%

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

$31.77 €28.34

$6.45 Rp 117.0K

392.56%

Internet (50+ Mbps, Unlimited Data)

$21.69 €19.35

$18.58 Rp 337.1K

16.74%

Gym Membership (Monthly)

$30.37 €27.09

$49.48 Rp 897.9K

-38.62%

Tennis Court (1 Hour on Weekend)

$15.84 €14.14

$17.65 Rp 320.2K

-10.25%

Cinema Ticket

$16.78 €14.97

$4.27 Rp 77.6K

292.97%

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

$113 €101

$491 Rp 8.9M

-76.90%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

Jeans (Levis 501 Or Similar)

$85.3 €76.1

$44.64 Rp 810.0K

91.15%

Summer Dress (H&M, Zara, etc)

$55.4 €49.43

$34.95 Rp 634.2K

58.51%

Sport Shoes (Adidas, Nike)

$99.9 €89.1

$79.9 Rp 1.4M

24.97%

Men's Leather Business Shoes

$114 €102

$79.4 Rp 1.4M

43.50%

1-bedroom Apartment, City Center (Monthly)

$736 €657

$1,125 Rp 20.4M

-34.56%

1-bedroom Apartment, Outside City Center (Monthly)

$573 €512

$671 Rp 12.2M

-14.62%

3-bedroom Apartment, City Center (Monthly)

$1,212 €1,082

$3,565 Rp 64.7M

-65.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,064 €950

$1,723 Rp 31.3M

-38.24%

Buy Apartment in City Center (m2)

$2,420 €2,159

$2,732 Rp 49.6M

-11.40%

Buy Apartment Outside City Center (m2)

$1,534 €1,369

$2,284 Rp 41.4M

-32.82%

Average Monthly Net Salary (After Tax)

$2,533 €2,260

$164 Rp 3.0M

1446.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.33

13.78

-68.58%

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

Last update for Hyvinkaa: 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

Hyvinkaa

$573 33.5%

Ubud, Bali

$672 49.8% 17.1% $98

Groceries & Markets

Hyvinkaa

$356 20.8%

Ubud, Bali

$288 21.4% 19% $68

Eating Out

Hyvinkaa

$293 17.1%

Ubud, Bali

$108 8% 63.3% $186

Monthly Utilities & Internet

Hyvinkaa

$193 11.3%

Ubud, Bali

$104 7.7% 46.1% $89

Clothing & Footwear

Hyvinkaa

$160 9.3%

Ubud, Bali

$108 8% 32.6% $52

Getting Around

Hyvinkaa

$72 4.2%

Ubud, Bali

$11 0.9% 84.2% $61

Sport & Entertainment

Hyvinkaa

$64 3.7%

Ubud, Bali

$58 4.3% 9.2% $5.9

Cost Breakdown

A one-bedroom apartment in the center runs $736 in Hyvinkaa and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hyvinkaa pays about 15 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $88 in Hyvinkaa vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $356 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Hyvinkaa

🇮🇩 Ubud, Bali

🕒 Local time

23:01 11:01 PM

05:01 5:01 AM

6 h ahead of Hyvinkaa

🌤 Weather

👥 Population

46,903

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 2, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

USD to EUR in detail →

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Hyvinkaa Ubud, Bali 10,850 km ≈ 14 h nonstop flight

From you

Hyvinkaa
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

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

Total monthly costs including rent come to $1,712 in Hyvinkaa and $1,349 in Ubud, Bali, so Ubud, Bali is about 21% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Hyvinkaa is about 15 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: $736 in Hyvinkaa versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 82% less than in Hyvinkaa. The price difference matters if you commute daily and watch your budget.

Childcare runs $113 in Hyvinkaa versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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, Hyvinkaa 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, Hyvinkaa on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.