Last update: Oct 2026

Cost of Living Comparison Between Jakobstad and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,823 in Jakobstad, rent and utilities included – about $5,600 less a year. Other living expenses account for most of the difference.

88

Cost of Living Index in Jakobstad
Learn more

Jakobstad Living Index
66

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Jakobstad

🇫🇮 Finland

$1,823

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,823 in Jakobstad versus $1,353 in Ubud, Bali.

Jakobstad $1,823
Ubud, Bali $1,353

Estimated couple costs with rent: $2,826 in Jakobstad versus $2,297 in Ubud, Bali.

Jakobstad $2,826
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $3,830 in Jakobstad versus $3,241 in Ubud, Bali.

Jakobstad $3,830
Ubud, Bali $3,241

Living in Jakobstad is roughly 35% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Jakobstad 35% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$13.22 €11.75

$3.23 Rp 58.1K

309.29%

Three-Course Dinner for Two, Mid-Range

$87.0 €77.4

$34.88 Rp 627.8K

149.37%

Fast Food Meal (McDonalds, etc)

$11.84 €10.53

$5.70 Rp 102.5K

107.72%

Cappuccino

$5.07 €4.51

$2.62 Rp 47.1K

93.51%

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

$3.04 €2.71

$1.72 Rp 31.0K

76.74%

Water (0.33 liter bottle)

$2.02 €1.79

$0.81 Rp 14.6K

149.38%

Local Beer (0.5 liter draught)

$7.58 €6.74

$2.65 Rp 47.7K

186.04%

Imported Beer (0.33 liter bottle)

$8.88 €7.90

$4.37 Rp 78.6K

103.20%

Milk (1 liter)

$1.24 €1.11

$1.57 Rp 28.3K

-21.02%

White Bread (500g)

$2.73 €2.43

$2.19 Rp 39.5K

24.66%

Rice (white) (1kg)

$2.38 €2.12

$1.18 Rp 21.2K

101.69%

Eggs

$3.29 €2.92

$2.16 Rp 38.8K

52.31%

Local Cheese (1kg)

$8.80 €7.83

$17.65 Rp 317.7K

-50.14%

Chicken Fillets (1kg)

$14.39 €12.80

$3.78 Rp 68.0K

280.69%

Beef Round Steak (1kg)

$21.61 €19.22

$11.95 Rp 215.1K

80.84%

Apples (1kg)

$2.29 €2.04

$3.60 Rp 64.8K

-36.39%

Banana (1kg)

$2.01 €1.79

$1.59 Rp 28.6K

26.42%

Oranges (1kg)

$2.49 €2.22

$2.31 Rp 41.6K

7.79%

Tomato (1kg)

$3.84 €3.42

$1.91 Rp 34.3K

101.05%

Potato (1kg)

$1.25 €1.12

$1.78 Rp 32.1K

-29.78%

Onion (1kg)

$1.91 €1.70

$2.33 Rp 41.9K

-18.03%

Lettuce (1 head)

$2.77 €2.46

$1.00 Rp 18.0K

177.00%

Water (1.5 liter bottle)

$1.95 €1.74

$0.53 Rp 9,509

267.92%

Cigarettes 20 Pack (Marlboro, Camel)

$11.43 €10.17

$2.29 Rp 41.1K

399.13%

Wine (Bottle)

$16.13 €14.35

$22.07 Rp 397.3K

-26.91%

Local Beer (0.5 liter bottle)

$3.17 €2.82

$2.35 Rp 42.2K

34.89%

Imported Beer (0.33 liter bottle)

$3.26 €2.90

$2.98 Rp 53.6K

9.40%

One-way Ticket (Public Transport)

$3.36 €2.99

$0.23 Rp 4,112

1360.87%

Public Transport Monthly Pass (Regular Price)

$64.9 €57.8

$8.90 Rp 160.2K

629.55%

Taxi Start (Normal Tariff)

$4.27 €3.80

$0.47 Rp 8,466

808.51%

Taxi (Normal Tariff) (1km)

$1.35 €1.20

$0.43 Rp 7,737

213.95%

Taxi 1hour Waiting (Normal Tariff)

$65.7 €58.4

$5.47 Rp 98.4K

1100.37%

Gasoline (1 liter)

$2.38 €2.12

$0.83 Rp 14.9K

186.75%

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

$35.9K €32.0K

$23.9K Rp 429.8M

50.57%

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

$36.6K €32.6K

$32.8K Rp 590.1M

11.64%

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

$131 €116

$80.0 Rp 1.4M

63.40%

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

$24.58 €21.86

$6.56 Rp 118.1K

274.70%

Internet (50+ Mbps, Unlimited Data)

$23.74 €21.12

$18.60 Rp 334.8K

27.63%

Gym Membership (Monthly)

$43.74 €38.90

$54.1 Rp 974.1K

-19.18%

Tennis Court (1 Hour on Weekend)

$21.83 €19.42

$18.28 Rp 329.0K

19.42%

Cinema Ticket

$18.14 €16.14

$4.25 Rp 76.5K

326.82%

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

$332 €295

$493 Rp 8.9M

-32.59%

International Primary School, 1 Child (Yearly)

$12.4K €11.0K

$5,597 Rp 100.7M

121.66%

Jeans (Levis 501 Or Similar)

$94.5 €84.1

$45.58 Rp 820.4K

107.39%

Summer Dress (H&M, Zara, etc)

$48.41 €43.06

$34.96 Rp 629.4K

38.47%

Sport Shoes (Adidas, Nike)

$103 €91.9

$77.7 Rp 1.4M

32.87%

Men's Leather Business Shoes

$156 €139

$78.5 Rp 1.4M

98.68%

1-bedroom Apartment, City Center (Monthly)

$788 €701

$1,131 Rp 20.4M

-30.33%

1-bedroom Apartment, Outside City Center (Monthly)

$640 €569

$673 Rp 12.1M

-4.85%

3-bedroom Apartment, City Center (Monthly)

$1,222 €1,087

$3,613 Rp 65.0M

-66.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,024 €911

$1,702 Rp 30.6M

-39.82%

Buy Apartment in City Center (m2)

$4,117 €3,662

$2,717 Rp 48.9M

51.49%

Buy Apartment Outside City Center (m2)

$2,155 €1,917

$2,241 Rp 40.3M

-3.85%

Average Monthly Net Salary (After Tax)

$2,276 €2,024

$166 Rp 3.0M

1267.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.51

13.78

-74.53%

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

Last update for Jakobstad: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Jakobstad

$640 35.1%

Ubud, Bali

$673 49.7% 5.1% $33

Groceries & Markets

Jakobstad

$375 20.6%

Ubud, Bali

$287 21.2% 23.4% $88

Eating Out

Jakobstad

$278 15.3%

Ubud, Bali

$106 7.9% 61.7% $172

Clothing & Footwear

Jakobstad

$181 9.9%

Ubud, Bali

$107 7.9% 41.1% $74

Monthly Utilities & Internet

Jakobstad

$179 9.8%

Ubud, Bali

$105 7.8% 41.3% $74

Getting Around

Jakobstad

$89 4.9%

Ubud, Bali

$12 0.9% 86.1% $77

Sport & Entertainment

Jakobstad

$80 4.4%

Ubud, Bali

$63 4.6% 21.7% $17

Cost Breakdown

A one-bedroom apartment in the center runs $788 in Jakobstad and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Jakobstad pays 1268% 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: $87.0 in Jakobstad vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $375 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Jakobstad

🇮🇩 Ubud, Bali

🕒 Local time

11:17 11:17 AM

16:17 4:17 PM

5 h ahead of Jakobstad

🌤 Weather

👥 Population

19,436

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 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 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Jakobstad Ubud, Bali 10,980 km ≈ 14 h nonstop flight

From you

Jakobstad
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

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

Jakobstad and Ubud, Bali differ by about 35% in total monthly costs ($1,823 vs $1,353 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1268% higher in Jakobstad, 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: $788 in Jakobstad versus $1,131 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 630% less than in Jakobstad. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $332 in Jakobstad versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,353 in Ubud, Bali versus $1,823 in Jakobstad, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Jakobstad. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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, Jakobstad 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 35% less than in Jakobstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.